Please read these Terms and Conditions carefully before using Valley Trust Bank's products or services. By accessing or using our products or services, you agree to be bound by these Terms and Conditions. If you do not agree with any part of these Terms and Conditions, you may not use our products or services.

Account Opening and Maintenance: To open an account with Valley Trust Bank, you must provide accurate and complete information as requested by us. You are responsible for maintaining the confidentiality and security of your account information, including your username, password, and other access credentials. You agree to notify us immediately of any unauthorized use or access to your account.

Use of Products and Services: You agree to use Valley Trust Bank's products and services only for lawful purposes and in accordance with these Terms and Conditions, applicable laws, regulations, and industry standards. You shall not use our products or services for any illegal, fraudulent, or unauthorized activities, including but not limited to money laundering, fraud, or identity theft.

Transactions: You authorize Valley Trust Bank to process transactions initiated by you or on your behalf, including but not limited to deposits, withdrawals, transfers, and bill payments. You are responsible for ensuring that you have sufficient funds or credit in your account to cover any transactions you initiate, and for verifying the accuracy of transaction details before submitting them.

Fees and Charges: You are responsible for paying any applicable fees and charges associated with your use of Valley Trust Bank's products and services, as disclosed in our fee schedule or other applicable agreements. Valley Trust Bank reserves the right to change or modify its fees and charges at any time, with prior notice to you as required by law.

Intellectual Property: All content, trademarks, logos, and other intellectual property rights related to Valley Trust Bank's products and services are owned or licensed by Valley Trust Bank. You agree not to use, reproduce, modify, distribute, or otherwise exploit our intellectual property without our prior written consent.

Privacy: Valley Trust Bank's collection, use, and disclosure of your personal information are governed by our Privacy Statement, which is incorporated into these Terms and Conditions by reference. By using our products or services, you consent to the collection, use, and disclosure of your personal information as described in our Privacy Statement.

Termination: Valley Trust Bank reserves the right to terminate or suspend your access to its products or services, in whole or in part, at any time, without prior notice or liability, for any reason, including but not limited to violation of these Terms and Conditions, suspected fraud or unauthorized activity, or as required by law.

Limitation of Liability: Valley Trust Bank shall not be liable for any direct, indirect, incidental, consequential, or special damages arising out of or in connection with your use of its products or services, even if advised of the possibility of such damages. Valley Trust Bank's liability shall be limited to the amount of fees or charges paid by you for the specific product or service giving rise to the claim.

Governing Law and Jurisdiction: These Terms and Conditions shall be governed by and construed in accordance with the laws of the jurisdiction where Valley Trust Bank is located. Any disputes arising out of or in connection with these Terms and Conditions shall be resolved by the competent courts of that jurisdiction.

Amendments: Valley Trust Bank reserves the right to modify or amend these Terms and Conditions at any time, with prior notice to you as required by law. Your continued use of our products or services after such modifications or amendments shall constitute your acceptance of the revised Terms and Conditions.

Entire Agreement: These Terms and Conditions, together with any other agreements, disclosures, or policies provided by Valley Trust Bank, constitute the entire agreement between you and Valley Trust Bank with respect to your use of our products and services, and supersede all