Welcome to Crest Mount Bank. By accessing or using our services, you agree to comply with and be bound by the following terms and conditions. Please read them carefully to understand your rights and obligations. These terms serve as a binding agreement between you and Crest Mount Bank, ensuring a clear understanding of our services and your responsibilities.

1. Acceptance of Terms

By using our services, you agree to the terms outlined herein. If you do not agree with any part of these terms, you must not use our services. These terms apply to all visitors, users, and others who access or use the services provided by Crest Mount Bank. Your continued use of our services constitutes acceptance of any changes made to these terms.

2. Services Provided

Crest Mount Bank offers a variety of banking services, including but not limited to:

• Personal and Business Loans tailored to meet your financial needs.
• Checking and Savings Accounts with competitive interest rates.
• Credit and Debit Cards designed for convenience and rewards.
• Online Banking Services for easy account management.
• Investment Services to help you grow your wealth.
• Mobile Banking Applications for banking on the go.
• Financial Planning and Advisory Services to secure your future.

3. User Responsibilities

As a user of our services, you agree to:

• Provide accurate and complete information during the application process to ensure a smooth experience.
• Keep your account information secure and confidential to protect against unauthorized access.
• Notify us immediately of any unauthorized use of your account so we can take appropriate action.
• Comply with all applicable laws and regulations while using our services to maintain a safe banking environment.
• Not use our services for any illegal or unauthorized purpose to ensure compliance with all regulations.
• Review and understand all terms associated with any financial product prior to use to make informed decisions.

4. Account Security

You are responsible for maintaining the confidentiality of your account details, including your password. You agree to notify us immediately of any unauthorized access or use of your account. We recommend using strong passwords and changing them regularly to enhance your security.

5. Fees and Charges

Our services may incur fees and charges. These will be clearly outlined at the time of service. By using our services, you agree to pay all applicable fees and charges, including:

• Monthly maintenance fees for checking/savings accounts, which may vary based on account type.
• Transaction fees for international wire transfers, which help cover processing costs.
• Overdraft fees and penalties for accounts that exceed their balances.
• Fees for using out-of-network ATMs, which may apply to certain transactions.

6. Termination of Services

We reserve the right to suspend or terminate your access to our services at our discretion, without notice, for conduct that we believe violates these terms or is harmful to other users or our services. You may also terminate your account at any time by contacting us directly for assistance.

7. Limitation of Liability

In no event shall Crest Mount Bank be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of our services or the inability to use our services, including but not limited to loss of profits, data, or other intangible losses that may occur.

8. Modifications to Terms

We may revise these Terms and Conditions from time to time. Any changes will be effective immediately upon posting on this page. You are encouraged to review these terms periodically for any updates or changes. Continued use of the services after any modifications will constitute your acceptance of the new terms and conditions as outlined.

9. Governing Law

These Terms and Conditions shall be governed by and construed in accordance with the laws of New York. Any disputes arising under or in connection with these terms shall be subject to the exclusive jurisdiction of the courts located in New York.

10. Privacy Policy

Your use of our services is also governed by our Privacy Policy, which outlines how we collect, use, and protect your personal information. Please review our Privacy Policy for more information to understand how your data is handled.

11. Intellectual Property

All content, trademarks, and other intellectual property featured on our website and services are the property of Crest Mount Bank or its licensors. Unauthorized use of any intellectual property may violate copyright, trademark, and other laws, and appropriate action will be taken against violators.

12. Contact Us

If you have any questions about these Terms and Conditions, please contact us:

• Email: support@crestmountbk.com
• Phone: (646) 360-6500
• Address: 285 Vesey Street, New York, NY 10010, United States