Terms and Conditions of Use

Document Information

Policy Title: Terms and Conditions of Use. Policy Number: VBS-POL-003. Version: 1.0. Document Classification: Public. Status: Active. Effective Date: 1 July 2026. Publication Date: 26 June 2026. Approval Date: 26 June 2026. Next Review Date: 1 July 2027. Approved By: Board of Directors. Policy Owner: Legal & Compliance Department.

1. Introduction

Welcome to SENTINEL PEAK BANK ("the Bank", "we", "our", or "us"). These Terms and Conditions govern your access to and use of our website, Internet Banking, Mobile Banking, digital services, products, and any information made available by the Bank. By accessing or using any of our services, you acknowledge that you have read, understood, and agreed to be bound by these Terms and Conditions. If you do not agree with these Terms, you should discontinue use of our services immediately.

2. Eligibility

To use our banking services, you must be legally capable of entering into binding agreements, provide accurate and complete information during registration or account opening, comply with all applicable laws and regulations, and meet any additional eligibility requirements established by the Bank. The Bank reserves the right to refuse or restrict services where permitted by law.

3. Banking Services

SENTINEL PEAK BANK may offer a range of banking services, including savings accounts, current accounts, fixed deposit accounts, personal and business loans, debit and payment cards, Internet Banking, Mobile Banking, domestic and international transfers, bill payments, foreign exchange services, and investment and treasury products. The availability of services may vary by jurisdiction and customer eligibility.

4. Customer Responsibilities

You agree to provide truthful, complete, and up-to-date information, safeguard your account credentials, passwords, PINs, and security devices, notify the Bank immediately of any unauthorized access or suspected fraud, use our services only for lawful purposes, keep your contact information current, and cooperate with identity verification and regulatory requirements. You are responsible for all activities conducted using your account unless otherwise provided by law.

5. Internet and Mobile Banking

When using our digital banking services, you agree not to share your login credentials with any person, to log out after each session, to access services using secure and trusted devices, to install recommended security updates, and to notify the Bank immediately if your device is lost or compromised. The Bank may suspend digital access where suspicious activity is detected.

6. Account Security

The Bank employs industry-standard security measures to protect customer information and transactions. Customers are responsible for maintaining the confidentiality of passwords, PINs, One-Time Passwords (OTPs), security questions, and authentication devices. Failure to protect these credentials may result in unauthorized transactions for which the customer may bear responsibility, subject to applicable law.

7. Fees and Charges

Certain services may be subject to applicable fees, commissions, taxes, or charges. Current fees will be communicated through our website, branch offices, tariff guides, product disclosures, and customer notifications. The Bank reserves the right to amend fees upon reasonable notice where required.

8. Transactions

Transaction instructions submitted through our banking platforms may be processed once authenticated. Customers are responsible for verifying transaction details before submission. Completed transactions may not be reversible unless permitted by law or the Bank's operational procedures.

9. Availability of Services

While we strive to provide uninterrupted access to our services, availability may be affected by scheduled maintenance, system upgrades, telecommunications failures, cybersecurity incidents, power interruptions, and events beyond our reasonable control. The Bank does not guarantee uninterrupted access at all times.

10. Intellectual Property

All content available on our website and digital platforms, including logos, trademarks, graphics, software, text, images, designs, databases, and audio and video materials, is the property of SENTINEL PEAK BANK or its licensors and is protected by applicable intellectual property laws. No content may be copied, reproduced, modified, distributed, or exploited without prior written permission.

11. Privacy

Your use of our services is also governed by our Privacy Policy. By using our services, you consent to the collection, processing, and use of your personal information as described in that policy.

12. Anti-Money Laundering and Compliance

SENTINEL PEAK BANK is committed to preventing financial crime. Customers agree to provide identification documents upon request, cooperate with Know Your Customer (KYC) procedures, comply with Anti-Money Laundering (AML) requirements, and respond to reasonable compliance inquiries. The Bank reserves the right to delay, decline, or report transactions where required by law.

13. Prohibited Activities

You agree not to engage in fraudulent activities, attempt unauthorized access to Bank systems, upload malicious software, interfere with website functionality, use services for illegal purposes, circumvent security controls, misrepresent your identity, or violate applicable laws or regulations. The Bank may suspend or terminate access where prohibited activities are detected.

14. Third-Party Services

Our website may include links to third-party websites or services for customer convenience. The Bank is not responsible for the content, security, availability, or privacy practices of external websites. Access to third-party services is at your own risk.

15. Limitation of Liability

To the maximum extent permitted by applicable law, SENTINEL PEAK BANK shall not be liable for indirect, incidental, consequential, or special damages arising from service interruptions, technical failures, Internet disruptions, delays beyond our reasonable control, customer misuse of services, or unauthorized access resulting from compromised customer credentials. Nothing in these Terms excludes liability where such exclusion is prohibited by law.

16. Indemnity

You agree to indemnify and hold harmless SENTINEL PEAK BANK, its directors, officers, employees, and agents against losses arising from breach of these Terms, misuse of banking services, fraudulent activities, or violation of applicable laws.

17. Suspension and Termination

The Bank may suspend or terminate access to services where fraud is suspected, legal or regulatory requirements require action, customer information cannot be verified, security risks are identified, or these Terms are breached. Termination does not affect obligations incurred before termination.

18. Changes to These Terms

The Bank reserves the right to amend these Terms and Conditions from time to time to reflect changes in law, regulatory requirements, operational improvements, technological developments, and product enhancements. Updated Terms will be published on our website and become effective on the stated effective date. Continued use of our services constitutes acceptance of the revised Terms.

19. Governing Law

These Terms and Conditions shall be governed by and interpreted in accordance with the applicable laws and regulations governing SENTINEL PEAK BANK. Any disputes arising under these Terms shall be subject to the jurisdiction of the competent courts unless otherwise required by applicable law.

20. Contact Information

For questions regarding these Terms and Conditions, please contact: Legal & Compliance Department, SENTINEL PEAK BANK. Email: legal@sentinelpeakbank.com. Telephone: +000 000 000 000. Business Hours: Monday to Friday, 8:00 AM - 5:00 PM.

Revision History

Version 1.0. Effective Date: 1 July 2026. Summary of Changes: Initial Release. Approved By: Board of Directors.

Document Control

Policy Number: VBS-POL-003. Version: 1.0. Document Status: Active. Effective Date: 1 July 2026. Last Reviewed: 26 June 2026. Next Scheduled Review: 1 July 2027. Approved By: Board of Directors. Policy Owner: Legal & Compliance Department. Copyright 2026 SENTINEL PEAK BANK. All Rights Reserved.