Terms and Conditions

1. Acceptance of Terms

By accessing, browsing, or using the services provided by Global Trust Bank ("the Bank," "we," "us," or "our"), you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions and to comply with all applicable laws and regulations.

Eligibility

To use our services, you must:

• Be at least 18 years of age or the age of majority in your jurisdiction
• Have the legal capacity to enter into binding contracts
• Provide accurate and complete information during registration
• Not be prohibited from receiving financial services under applicable laws

2. Account Agreement

When you open an account with Global Trust Bank, you agree to the following terms:

Account Opening

• You must provide accurate and complete information during the account opening process
• We reserve the right to verify the information you provide and may request additional documentation
• We may decline to open an account at our sole discretion

Account Usage

• You are responsible for all activities that occur under your account
• You must maintain the security and confidentiality of your account credentials
• You must immediately notify us of any unauthorized access or suspicious activity
• Accounts are for personal or business use as specified during account opening

Account Maintenance

• You must maintain minimum balances as required for your account type
• You are responsible for keeping your contact information current
• We may place holds on funds as permitted by law and our policies

3. Electronic Services

Our electronic services include online banking, mobile banking, and other digital platforms.

Online and Mobile Banking

• You consent to receive electronic communications and disclosures
• You are responsible for ensuring your devices meet system requirements
• We may suspend or terminate electronic services for security or maintenance

Electronic Funds Transfers

By using our electronic funds transfer services, you agree to the following:

• Transfers are subject to cut-off times and processing delays
• We may establish limits on transaction amounts and frequency
• You authorize us to process transfers according to your instructions

4. Fees and Charges

You agree to pay all applicable fees and charges associated with your accounts and services.

Fee Schedule

• Fees are detailed in our Schedule of Fees and Charges
• We may change fees with proper notice as required by law
• You authorize us to deduct fees directly from your accounts

Overdrafts and Insufficient Funds

• Overdraft fees may apply when transactions exceed available funds
• We may pay or return items at our discretion
• You are responsible for any negative balances in your accounts

Tax Reporting

We will report interest earnings and other required information to tax authorities as required by law.

5. Liability and Limitations

This section outlines the limitations of our liability and your responsibilities.

Bank Liability

• We are not liable for delays or failures caused by circumstances beyond our control
• Our liability is limited to direct damages in most circumstances
• We are not responsible for third-party services or products

Your Liability

• You are liable for unauthorized transactions if you fail to report lost/stolen credentials promptly
• You are responsible for fraudulent activity if you fail to maintain security
• You may be liable for losses resulting from violation of these terms

Limitation of Liability

To the extent permitted by law, our total liability for any claim related to these terms or our services shall not exceed the total fees you paid to us in the six months preceding the claim.

6. Privacy and Data Protection

We are committed to protecting your privacy and personal information.

Privacy Policy

Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms and Conditions by reference.

Data Usage

• We collect and use data to provide, improve, and secure our services
• We may use data for regulatory compliance and fraud prevention
• We may share data with service providers and as required by law

Consent to Communication

You consent to receive communications from us electronically, including emails, text messages, and in-app notifications, for service-related and marketing purposes.

7. Intellectual Property

All content, features, and functionality of our services are owned by Global Trust Bank or our licensors.

Ownership

• Our trademarks, logos, and service marks are our property
• Our website content, software, and technology are protected by copyright
• You may not use our intellectual property without our written permission

License Grant

We grant you a limited, non-exclusive, non-transferable license to access and use our services for personal or business banking purposes in accordance with these terms.

Restrictions

You may not:

• Copy, modify, or create derivative works of our services
• Reverse engineer, decompile, or disassemble our technology
• Use our services for any illegal or unauthorized purpose
• Interfere with or disrupt the integrity or performance of our services

8. Termination

Either party may terminate these Terms and Conditions under certain circumstances.

Termination by You

You may close your accounts and terminate these terms by providing written notice and settling any outstanding balances.

Termination by Us

We may suspend or terminate your access to services:

• If you violate these Terms and Conditions
• For security or fraud prevention reasons
• As required by law or regulatory authorities
• With proper notice as required by applicable laws

Effects of Termination

Upon termination:

• Your right to use our services immediately ceases
• You remain liable for all obligations arising prior to termination
• We may retain your information as required by law

9. Governing Law and Jurisdiction

These Terms and Conditions are governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law principles.

Dispute Resolution

Any dispute arising from these terms shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. The arbitration shall take place in New York, NY.

Class Action Waiver

You agree to resolve disputes on an individual basis and waive any right to participate in class actions or class-wide arbitration.

10. Changes to Terms

We may modify these Terms and Conditions from time to time.

Modification Process

• We will provide notice of material changes as required by law
• Changes will become effective on the date specified in the notice
• Your continued use of our services constitutes acceptance of changes

Notification

We may notify you of changes through:

• Electronic messages within our banking platforms
• Email communications to your registered email address
• Notices on our website or in branch locations
• Account statements or other regular communications

11. Contact Information

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

For customer service inquiries unrelated to these terms, please contact our general customer service department.