Last Updated: 05/27/2025

1. Acceptance of Terms
By accessing or using our Services, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you may not use our Services.

2. Eligibility
You must be at least 18 years old and able to form a binding contract to use our Services. By using our Services, you represent and warrant that you meet these eligibility requirements.

3. Account Registration
To access certain features, you must register for an account. You agree to provide accurate and complete information and to keep this information updated. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

4. Permitted Use
You may use our Services only for lawful purposes and in accordance with these Terms. You agree not to misuse our Services, including by:

• Violating any applicable law or regulation

• Engaging in fraud or deceptive practices

• Attempting to gain unauthorized access to our systems

• Interfering with the proper functioning of our Services

5. Intellectual Property
All content, features, and functionality of our Services, including text, graphics, logos, and software, are the property of Royal Exchange Bank or our licensors and are protected by intellectual property laws.

6. Third-Party Links
Our Services may contain links to third-party websites or services. We are not responsible for the content or practices of these third-party sites. Your use of third-party services is at your own risk.

7. Modifications to Services
We reserve the right to modify, suspend, or discontinue any part of our Services at any time without prior notice. We may also revise these Terms from time to time. Continued use of our Services after changes constitutes acceptance of the new Terms.

8. Disclaimer of Warranties
Our Services are provided "as is" without warranties of any kind, either express or implied. We do not guarantee that our Services will be uninterrupted, secure, or error-free.

9. Limitation of Liability
To the fullest extent permitted by law, Royal Exchange Bank shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our Services.

10. Indemnification
You agree to indemnify and hold harmless Royal Exchange Bank from any claims, damages, or expenses arising from your violation of these Terms or your use of our Services.

11. Governing Law
These Terms shall be governed by and construed in accordance with the laws of [Jurisdiction], without regard to its conflict of law principles.

12. Termination
We may suspend or terminate your access to our Services at any time for any reason, including if we suspect you have violated these Terms.

13. Contact Us
If you have any questions about these Terms, please contact us at:

• Email: info@royalexchangebank.com

• Location: 3584 Hickory Heights Drive ,Hanover MD 21076, USA

14. Severability
If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full force and effect.

Thank you for choosing Royal Exchange Bank.