Official Terms of Use and Service Agreement

NOTICE: This document constitutes a legally binding agreement between you and Cheston Bank. Your continued use of our services constitutes acceptance of these terms.

Last Revised: November 21, 2025

1. Acceptance of Terms

By accessing or using any services provided by Cheston Bank ("the Bank," "we," or "us"), including our website, mobile applications, and banking services (collectively, the "Services"), you acknowledge that you have read, understood, and agree to be bound by these Terms of Use (the "Terms"). If you do not agree to these Terms, you may not access or use the Services.

2. Modification of Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. We will provide notice of material changes, typically by posting the revised Terms on our website with an updated "Last Revised" date. Your continued use of the Services after any such change constitutes your acceptance of the new Terms.

3. Account Security and Responsibilities

You are responsible for maintaining the confidentiality of your account credentials (username, password, and multi-factor authentication codes). You must immediately notify the Bank of any unauthorized use of your account or any other breach of security. Cheston Bank is not liable for any loss or damage arising from your failure to comply with this security obligation.

4. Intellectual Property Rights (IP)

All content, trademarks, service marks, logos, and intellectual property displayed or used on the Services are the proprietary property of Cheston Bank or its licensors and are protected by copyright, trademark, and other laws. You are granted a non-exclusive, non-transferable, revocable license to use the Services strictly in accordance with these Terms for your personal banking purposes.

5. Limitation of Liability and Disclaimer

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE." CHESTON BANK EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

IN NO EVENT SHALL CHESTON BANK BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING, WITHOUT LIMITATION, LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM (i) YOUR ACCESS TO OR USE OF OR INABILITY TO ACCESS OR USE THE SERVICES; (ii) ANY CONDUCT OR CONTENT OF ANY THIRD PARTY ON THE SERVICES; OR (iii) UNAUTHORIZED ACCESS, USE, OR ALTERATION OF YOUR TRANSMISSIONS OR CONTENT.

6. Governing Law and Dispute Resolution

These Terms shall be governed and construed in accordance with the laws of the State of New York, without regard to its conflict of law provisions.

Mandatory Arbitration and Class Action Waiver

You agree that any disputes arising out of or relating to these Terms or the Services will be resolved solely through binding, individual arbitration and not in a court of law. You and Cheston Bank waive the right to a trial by jury and the right to participate in a class action lawsuit or class-wide arbitration. The arbitration will be conducted in New York, NY, by a single arbitrator appointed by the American Arbitration Association (AAA) under its rules.