Terms of Service

1. Agreement to Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you ("you," "your," or "user") and Bellwick National Bank ("Bellwick," "we," "us," or "our"), a nationally chartered bank headquartered in Washington, D.C.

By accessing or using our website (bellwicknational.com), mobile applications, online banking portal, or any related services (collectively, the "Services"), you agree to be bound by these Terms, our Privacy Policy, and all applicable laws and regulations.

If you do not agree to these Terms, you may not access or use our Services. These Terms apply in addition to any account agreements, loan agreements, or other contracts you may have with Bellwick National Bank.

2. Eligibility

To use our Services, you must:

• •Be at least 18 years of age (or 17 with parental consent for student accounts)
• •Be a legal resident of the United States or a U.S. territory
• •Provide a valid Social Security number or Individual Taxpayer Identification Number
• •Provide a valid government-issued photo identification
• •Have the legal capacity to enter into a binding agreement

We reserve the right to refuse service, close accounts, or terminate access at our sole discretion, consistent with applicable law.

3. Account Terms

When you open an account with Bellwick National Bank, you agree to the following:

4. Electronic Communications

By using our Services, you consent to receive electronic communications from Bellwick National Bank, including:

• •Account statements, disclosures, and notices
• •Transaction confirmations and alerts
• •Security and fraud notifications
• •Changes to these Terms or our Privacy Policy
• •Marketing communications (with opt-out available)

Electronic communications satisfy any legal requirement that such communications be made in writing. You may withdraw consent to electronic statements by contacting us, though paper statement fees may apply.

5. Fees and Charges

Certain Services may be subject to fees as described in our fee schedule, which is available at any branch, on our website, or upon request. Fees may include, but are not limited to:

• •Monthly account maintenance fees (if applicable)
• •Overdraft and non-sufficient funds fees
• •Wire transfer fees (domestic and international)
• •Out-of-network ATM fees
• •Foreign transaction fees
• •Early certificate of deposit withdrawal penalties

We will provide at least 30 days' notice before implementing any new fee or increasing an existing fee on your account, as required by applicable law.

6. Intellectual Property

All content, features, and functionality of the Services — including but not limited to text, graphics, logos, icons, images, software, and the overall design and arrangement — are the exclusive property of Bellwick National Bank or its licensors and are protected by United States and international copyright, trademark, patent, and trade secret laws.

"Bellwick National Bank," the Bellwick logo, and all related names, logos, product and service names, designs, and slogans are trademarks of Bellwick National Bank. You may not use these marks without our prior written permission. All other names, logos, and brands are the property of their respective owners.

7. Limitation of Liability

This limitation does not apply to liability for fraud, willful misconduct, or any liability that cannot be excluded or limited under applicable law, including obligations under the Electronic Fund Transfer Act (Regulation E) and the Truth in Lending Act (Regulation Z).

8. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the federal laws of the United States and, to the extent not preempted by federal law, the laws of the District of Columbia, without regard to its conflict of law provisions.

Any dispute, claim, or controversy arising out of or relating to these Terms or the Services shall first be resolved through good faith negotiation. If the dispute cannot be resolved within 30 days, either party may pursue resolution through binding arbitration administered by the American Arbitration Association in Washington, D.C., or in the federal or state courts located in the District of Columbia.

Nothing in this section limits your right to file a complaint with the Office of the Comptroller of the Currency (OCC), the Consumer Financial Protection Bureau (CFPB), or other applicable regulatory agency.

9. Amendments to These Terms

Bellwick National Bank reserves the right to modify these Terms at any time. We will provide notice of material changes by:

• •Posting the updated Terms on our website with a revised "Last Updated" date
• •Sending a notice to the email address associated with your account
• •Providing a notification through online or mobile banking

Your continued use of the Services following the posting of revised Terms constitutes your acceptance of the changes. If you do not agree to the updated Terms, you must discontinue use of the Services and contact us to close your account.

10. Contact Information

For questions or concerns about these Terms of Service, please contact us: