{"id":35,"date":"2026-09-07T13:57:35","date_gmt":"2026-09-07T13:57:35","guid":{"rendered":"https:\/\/firsttrust.site\/terms-of-service\/"},"modified":"2026-09-07T13:57:35","modified_gmt":"2026-09-07T13:57:35","slug":"terms-of-service","status":"publish","type":"page","link":"https:\/\/firsttrust.site\/pt\/terms-of-service\/","title":{"rendered":"Terms of Service"},"content":{"rendered":"<script>(function(){try{var t=localStorage.getItem('fc-theme');if(t==='dark')document.documentElement.setAttribute('data-fc-theme','dark');}catch(e){}}());<\/script>\n\n<header class=\"fc-header fc-header--transparent\" id=\"fc-header\" role=\"banner\">\n  <div class=\"fc-container\">\n    <div class=\"fc-header__inner\">\n\n      <!-- \u2500\u2500 Logo \u2500\u2500 -->\n      <a href=\"https:\/\/firsttrust.site\/pt\/\" class=\"fc-header__logo\" aria-label=\"FundCore Bank \u2014 Back to homepage\">\n                  <div class=\"fc-header__logo-mark\">\n            <svg width=\"22\" height=\"22\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\">\n              <path d=\"M3 9l9-7 9 7v11a2 2 0 01-2 2H5a2 2 0 01-2-2z\"\/>\n              <polyline points=\"9 22 9 12 15 12 15 22\"\/>\n            <\/svg>\n          <\/div>\n              <\/a>\n\n      <!-- \u2500\u2500 Sign In (direct flex child so it can sit between logo and hamburger on mobile) \u2500\u2500 -->\n            <button type=\"button\" class=\"fc-btn fc-btn-primary fc-btn-sm fc-header__cta\" id=\"fc-signin-trigger\" aria-haspopup=\"dialog\">\n        <svg width=\"15\" height=\"15\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\" style=\"margin-right:6px;flex-shrink:0;\">\n          <path d=\"M20 21v-2a4 4 0 00-4-4H8a4 4 0 00-4 4v2\"\/><circle cx=\"12\" cy=\"7\" r=\"4\"\/>\n        <\/svg>\n        Sign In\n      <\/button>\n      \n      <!-- \u2500\u2500 Actions \u2500\u2500 -->\n      <div class=\"fc-header__actions\">\n        \n        <button class=\"fc-hamburger\" id=\"fc-hamburger\"\n                aria-label=\"Toggle navigation\"\n                aria-expanded=\"false\"\n                aria-controls=\"fc-nav\">\n          <span><\/span>\n          <span><\/span>\n          <span><\/span>\n        <\/button>\n      <\/div>\n\n    <\/div><!-- \/.fc-header__inner -->\n  <\/div><!-- \/.fc-container -->\n<\/header>\n\n<!-- Navigation \u2014 lives outside <header> so position:fixed on mobile is\n     relative to the viewport, not the header's backdrop-filter stacking context -->\n<nav class=\"fc-nav\" id=\"fc-nav\" role=\"navigation\" aria-label=\"Main navigation\">\n    <a href=\"https:\/\/firsttrust.site\/pt#fc-home\">Home<\/a>\n    <a href=\"https:\/\/firsttrust.site\/pt#fc-services\">Services<\/a>\n    <a href=\"https:\/\/firsttrust.site\/pt#fc-accounts\">Accounts<\/a>\n    <a href=\"https:\/\/firsttrust.site\/pt#fc-loans\">Loans<\/a>\n    <a href=\"https:\/\/firsttrust.site\/pt#fc-about\">About<\/a>\n    <a href=\"https:\/\/firsttrust.site\/pt#fc-news\">News<\/a>\n  <\/nav>\n\n<!-- Mobile slide-out overlay -->\n<div class=\"fc-nav-overlay\" id=\"fc-nav-overlay\" aria-hidden=\"true\"><\/div>\n\n<!-- \u2500\u2500 Sign In Modal \u2500\u2500 -->\n<div class=\"fc-modal-backdrop\" id=\"fc-signin-backdrop\" aria-hidden=\"true\" role=\"dialog\" aria-modal=\"true\" aria-labelledby=\"fc-signin-title\">\n  <div class=\"fc-modal\" id=\"fc-signin-modal\">\n    <button class=\"fc-modal__close\" id=\"fc-signin-close\" aria-label=\"Close sign in\">\n      <svg width=\"18\" height=\"18\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\" stroke-linecap=\"round\"><line x1=\"18\" y1=\"6\" x2=\"6\" y2=\"18\"\/><line x1=\"6\" y1=\"6\" x2=\"18\" y2=\"18\"\/><\/svg>\n    <\/button>\n\n    <div class=\"fc-modal__logo\">\n              <div class=\"fc-header__logo-mark fc-modal__logo-mark\">\n          <svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\">\n            <path d=\"M3 9l9-7 9 7v11a2 2 0 01-2 2H5a2 2 0 01-2-2z\"\/>\n            <polyline points=\"9 22 9 12 15 12 15 22\"\/>\n          <\/svg>\n        <\/div>\n          <\/div>\n\n    <!-- ===== PANEL: Sign In ===== -->\n    <div id=\"fc-modal-panel-login\">\n      <h2 class=\"fc-modal__title\" id=\"fc-signin-title\">Welcome Back<\/h2>\n      <p class=\"fc-modal__subtitle\">Sign in to your account to continue<\/p>\n\n      <form class=\"fc-signin-form\" id=\"fc-signin-form\" novalidate>\n        <div class=\"fc-form-group\">\n          <label class=\"fc-form-label\" for=\"fc-signin-email\">Email Address<\/label>\n          <div class=\"fc-input-wrap\">\n            <svg class=\"fc-input-icon\" width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\"><path d=\"M4 4h16c1.1 0 2 .9 2 2v12c0 1.1-.9 2-2 2H4c-1.1 0-2-.9-2-2V6c0-1.1.9-2 2-2z\"\/><polyline points=\"22,6 12,13 2,6\"\/><\/svg>\n            <input type=\"email\" id=\"fc-signin-email\" name=\"email\" class=\"fc-input\" placeholder=\"you@example.com\" autocomplete=\"email\" required>\n          <\/div>\n        <\/div>\n\n        <div class=\"fc-form-group\">\n          <label class=\"fc-form-label\" for=\"fc-signin-password\">\n            Password\n            <button type=\"button\" id=\"fc-modal-forgot-link\" class=\"fc-form-label__link fc-form-label__btn\">Forgot password?<\/button>\n          <\/label>\n          <div class=\"fc-input-wrap\">\n            <svg class=\"fc-input-icon\" width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\"><rect x=\"3\" y=\"11\" width=\"18\" height=\"11\" rx=\"2\" ry=\"2\"\/><path d=\"M7 11V7a5 5 0 0110 0v4\"\/><\/svg>\n            <input type=\"password\" id=\"fc-signin-password\" name=\"password\" class=\"fc-input\" placeholder=\"\u2022\u2022\u2022\u2022\u2022\u2022\u2022\u2022\" autocomplete=\"current-password\" required>\n            <button type=\"button\" class=\"fc-input-toggle\" id=\"fc-pw-toggle\" aria-label=\"Toggle password visibility\" tabindex=\"-1\">\n              <svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\"><path d=\"M1 12s4-8 11-8 11 8 11 8-4 8-11 8-11-8-11-8z\"\/><circle cx=\"12\" cy=\"12\" r=\"3\"\/><\/svg>\n            <\/button>\n          <\/div>\n        <\/div>\n\n        <p class=\"fc-signin-form__error\" id=\"fc-signin-error\" aria-live=\"polite\"><\/p>\n\n        <button type=\"submit\" class=\"fc-btn fc-btn-primary fc-signin-form__submit\" id=\"fc-signin-submit\">\n          Sign In\n        <\/button>\n      <\/form>\n\n      <div class=\"fc-dash-login-divider\"><span>or<\/span><\/div>\n      <a href=\"https:\/\/firsttrust.site\/pt\/open-account\/\" class=\"fc-btn fc-btn-outline-dark fc-dash-login-register\" id=\"fc-modal-open-account\">\n        <svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\"><path d=\"M16 21v-2a4 4 0 00-4-4H5a4 4 0 00-4 4v2\"\/><circle cx=\"8.5\" cy=\"7\" r=\"4\"\/><line x1=\"20\" y1=\"8\" x2=\"20\" y2=\"14\"\/><line x1=\"23\" y1=\"11\" x2=\"17\" y2=\"11\"\/><\/svg>\n        Open a New Account\n      <\/a>\n    <\/div><!-- \/#fc-modal-panel-login -->\n\n    <!-- ===== PANEL: Forgot Password ===== -->\n    <div id=\"fc-modal-panel-forgot\" hidden>\n      <h2 class=\"fc-modal__title\">Forgot Password<\/h2>\n      <p class=\"fc-modal__subtitle\">Enter your email address and we'll send you a 6-digit verification code.<\/p>\n\n      <form id=\"fc-modal-forgot-form\" class=\"fc-signin-form\" novalidate>\n        <div class=\"fc-form-group\">\n          <label class=\"fc-form-label\" for=\"fc-modal-forgot-email\">Email Address<\/label>\n          <div class=\"fc-input-wrap\">\n            <svg class=\"fc-input-icon\" width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\"><path d=\"M4 4h16c1.1 0 2 .9 2 2v12c0 1.1-.9 2-2 2H4c-1.1 0-2-.9-2-2V6c0-1.1.9-2 2-2z\"\/><polyline points=\"22,6 12,13 2,6\"\/><\/svg>\n            <input type=\"email\" id=\"fc-modal-forgot-email\" name=\"email\" class=\"fc-input\" placeholder=\"you@example.com\" autocomplete=\"email\" required>\n          <\/div>\n        <\/div>\n\n        <p class=\"fc-step-error\" id=\"fc-modal-forgot-error\" role=\"alert\"><\/p>\n\n        <button type=\"submit\" class=\"fc-btn fc-btn-primary fc-signin-form__submit\" id=\"fc-modal-forgot-submit\">\n          <svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\"><line x1=\"22\" y1=\"2\" x2=\"11\" y2=\"13\"\/><polygon points=\"22 2 15 22 11 13 2 9 22 2\"\/><\/svg>\n          Send Verification Code\n        <\/button>\n      <\/form>\n\n      <div class=\"fc-dl-back-wrap\">\n        <button type=\"button\" id=\"fc-modal-forgot-back\" class=\"fc-dl-back-link\">\n          <svg width=\"14\" height=\"14\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\"><line x1=\"19\" y1=\"12\" x2=\"5\" y2=\"12\"\/><polyline points=\"12 19 5 12 12 5\"\/><\/svg>\n          Back to Sign In\n        <\/button>\n      <\/div>\n    <\/div><!-- \/#fc-modal-panel-forgot -->\n\n    <!-- ===== PANEL: OTP Verification ===== -->\n    <div id=\"fc-modal-panel-otp\" hidden>\n      <h2 class=\"fc-modal__title\">Enter Verification Code<\/h2>\n      <p class=\"fc-modal__subtitle\">We sent a 6-digit code to <strong id=\"fc-modal-otp-email-display\"><\/strong>. Enter it below.<\/p>\n\n      <div class=\"fc-otp-boxes\" id=\"fc-modal-otp-boxes\" role=\"group\" aria-label=\"One-time password\">\n        <input type=\"text\" inputmode=\"numeric\" pattern=\"[0-9]\" maxlength=\"1\" class=\"fc-otp-box\" autocomplete=\"one-time-code\" aria-label=\"Digit 1\">\n        <input type=\"text\" inputmode=\"numeric\" pattern=\"[0-9]\" maxlength=\"1\" class=\"fc-otp-box\" aria-label=\"Digit 2\">\n        <input type=\"text\" inputmode=\"numeric\" pattern=\"[0-9]\" maxlength=\"1\" class=\"fc-otp-box\" aria-label=\"Digit 3\">\n        <input type=\"text\" inputmode=\"numeric\" pattern=\"[0-9]\" maxlength=\"1\" class=\"fc-otp-box\" aria-label=\"Digit 4\">\n        <input type=\"text\" inputmode=\"numeric\" pattern=\"[0-9]\" maxlength=\"1\" class=\"fc-otp-box\" aria-label=\"Digit 5\">\n        <input type=\"text\" inputmode=\"numeric\" pattern=\"[0-9]\" maxlength=\"1\" class=\"fc-otp-box\" aria-label=\"Digit 6\">\n      <\/div>\n\n      <p class=\"fc-step-error\" id=\"fc-modal-otp-error\" role=\"alert\"><\/p>\n\n      <button type=\"button\" class=\"fc-btn fc-btn-primary fc-signin-form__submit\" id=\"fc-modal-otp-submit\">\n        <svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\"><polyline points=\"20 6 9 17 4 12\"\/><\/svg>\n        Verify Code\n      <\/button>\n\n      <div class=\"fc-otp-resend-row\">\n        <span class=\"fc-otp-resend-hint\" id=\"fc-modal-otp-resend-hint\">Didn't get it?<\/span>\n        <button type=\"button\" id=\"fc-modal-otp-resend\" class=\"fc-dl-back-link\">Resend code<\/button>\n        <span class=\"fc-otp-countdown\" id=\"fc-modal-otp-countdown\" hidden><\/span>\n      <\/div>\n\n      <div class=\"fc-dl-back-wrap\">\n        <button type=\"button\" id=\"fc-modal-otp-back\" class=\"fc-dl-back-link\">\n          <svg width=\"14\" height=\"14\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\"><line x1=\"19\" y1=\"12\" x2=\"5\" y2=\"12\"\/><polyline points=\"12 19 5 12 12 5\"\/><\/svg>\n          Back to Sign In\n        <\/button>\n      <\/div>\n    <\/div><!-- \/#fc-modal-panel-otp -->\n\n    <!-- ===== PANEL: Reset Password ===== -->\n    <div id=\"fc-modal-panel-reset\" hidden>\n      <h2 class=\"fc-modal__title\">Set New Password<\/h2>\n      <p class=\"fc-modal__subtitle\">Enter and confirm your new password below.<\/p>\n\n      <form id=\"fc-modal-reset-form\" class=\"fc-signin-form\" novalidate>\n        <input type=\"hidden\" id=\"fc-modal-reset-token\" name=\"token\">\n\n        <div class=\"fc-form-group\">\n          <label class=\"fc-form-label\" for=\"fc-modal-reset-new\">New Password<\/label>\n          <div class=\"fc-input-wrap\">\n            <svg class=\"fc-input-icon\" width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\"><rect x=\"3\" y=\"11\" width=\"18\" height=\"11\" rx=\"2\" ry=\"2\"\/><path d=\"M7 11V7a5 5 0 0110 0v4\"\/><\/svg>\n            <input type=\"password\" id=\"fc-modal-reset-new\" name=\"new_password\" class=\"fc-input\" placeholder=\"Min. 8 characters\" autocomplete=\"new-password\" required>\n            <button type=\"button\" class=\"fc-input-toggle\" id=\"fc-modal-reset-toggle1\" aria-label=\"Toggle password visibility\" tabindex=\"-1\">\n              <svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\"><path d=\"M1 12s4-8 11-8 11 8 11 8-4 8-11 8-11-8-11-8z\"\/><circle cx=\"12\" cy=\"12\" r=\"3\"\/><\/svg>\n            <\/button>\n          <\/div>\n        <\/div>\n\n        <div class=\"fc-form-group\">\n          <label class=\"fc-form-label\" for=\"fc-modal-reset-confirm\">Confirm New Password<\/label>\n          <div class=\"fc-input-wrap\">\n            <svg class=\"fc-input-icon\" width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\"><rect x=\"3\" y=\"11\" width=\"18\" height=\"11\" rx=\"2\" ry=\"2\"\/><path d=\"M7 11V7a5 5 0 0110 0v4\"\/><\/svg>\n            <input type=\"password\" id=\"fc-modal-reset-confirm\" name=\"confirm_password\" class=\"fc-input\" placeholder=\"Repeat new password\" autocomplete=\"new-password\" required>\n            <button type=\"button\" class=\"fc-input-toggle\" id=\"fc-modal-reset-toggle2\" aria-label=\"Toggle password visibility\" tabindex=\"-1\">\n              <svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\"><path d=\"M1 12s4-8 11-8 11 8 11 8-4 8-11 8-11-8-11-8z\"\/><circle cx=\"12\" cy=\"12\" r=\"3\"\/><\/svg>\n            <\/button>\n          <\/div>\n        <\/div>\n\n        <p class=\"fc-step-error\" id=\"fc-modal-reset-error\" role=\"alert\"><\/p>\n        <p class=\"fc-dl-success-msg\" id=\"fc-modal-reset-success\" hidden><\/p>\n\n        <button type=\"submit\" class=\"fc-btn fc-btn-primary fc-signin-form__submit\" id=\"fc-modal-reset-submit\">\n          <svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\"><polyline points=\"20 6 9 17 4 12\"\/><\/svg>\n          Reset Password\n        <\/button>\n      <\/form>\n\n      <div class=\"fc-dl-back-wrap\">\n        <button type=\"button\" id=\"fc-modal-reset-back\" class=\"fc-dl-back-link\">\n          <svg width=\"14\" height=\"14\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\"><line x1=\"19\" y1=\"12\" x2=\"5\" y2=\"12\"\/><polyline points=\"12 19 5 12 12 5\"\/><\/svg>\n          Back to Sign In\n        <\/button>\n      <\/div>\n    <\/div><!-- \/#fc-modal-panel-reset -->\n\n    <div class=\"fc-dash-login-security\">\n      <svg width=\"12\" height=\"12\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\"><path d=\"M12 22s8-4 8-10V5l-8-3-8 3v7c0 6 8 10 8 10z\"\/><\/svg>\n      256-bit SSL Encrypted \u00b7 FDIC Insured\n    <\/div>\n\n  <\/div>\n<\/div>\n\n<div class=\"fundcore-page fc-tos-page\">\n\n  <!-- \u2500\u2500 Hero Banner \u2500\u2500 -->\n  <section class=\"fc-tos-hero\" id=\"tos-top\">\n    <div class=\"fc-container\">\n      <nav class=\"fc-tos-breadcrumb\" aria-label=\"Breadcrumb\">\n        <a href=\"https:\/\/firsttrust.site\/pt\/\">FundCore Bank<\/a>\n        <span aria-hidden=\"true\">\u203a<\/span>\n        <span>Terms of Service<\/span>\n      <\/nav>\n      <h1>Terms of Service<\/h1>\n      <p class=\"fc-tos-hero__sub\">Please read these terms carefully before using our banking services<\/p>\n      <p class=\"fc-tos-hero__date\">Last updated: September 7, 2026<\/p>\n    <\/div>\n  <\/section>\n\n  <!-- \u2500\u2500 Main Content \u2500\u2500 -->\n  <section class=\"fc-tos-body\">\n    <div class=\"fc-container fc-tos-layout\">\n\n      <!-- Sticky Table of Contents -->\n      <aside class=\"fc-tos-toc\" aria-label=\"Table of contents\">\n        <h2>Contents<\/h2>\n        <ol>\n          <li><a href=\"#tos-acceptance\">Acceptance of Terms<\/a><\/li>\n          <li><a href=\"#tos-eligibility\">Eligibility<\/a><\/li>\n          <li><a href=\"#tos-accounts\">Account Opening &amp; Management<\/a><\/li>\n          <li><a href=\"#tos-services\">Banking Services<\/a><\/li>\n          <li><a href=\"#tos-fees\">Fees &amp; Charges<\/a><\/li>\n          <li><a href=\"#tos-security\">Security &amp; Access<\/a><\/li>\n          <li><a href=\"#tos-prohibited\">Prohibited Activities<\/a><\/li>\n          <li><a href=\"#tos-liability\">Limitation of Liability<\/a><\/li>\n          <li><a href=\"#tos-termination\">Account Termination<\/a><\/li>\n          <li><a href=\"#tos-disputes\">Dispute Resolution<\/a><\/li>\n          <li><a href=\"#tos-governing\">Governing Law<\/a><\/li>\n          <li><a href=\"#tos-changes\">Changes to Terms<\/a><\/li>\n          <li><a href=\"#tos-contact\">Contact Us<\/a><\/li>\n        <\/ol>\n      <\/aside>\n\n      <!-- Terms Sections -->\n      <article class=\"fc-tos-content\">\n\n        <div class=\"fc-tos-notice\">\n          <svg width=\"20\" height=\"20\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><line x1=\"12\" y1=\"8\" x2=\"12\" y2=\"12\"\/><line x1=\"12\" y1=\"16\" x2=\"12.01\" y2=\"16\"\/><\/svg>\n          By accessing or using FundCore Bank's services, you agree to be bound by these Terms of Service. If you do not agree, please do not use our services.\n        <\/div>\n\n        <!-- 1. Acceptance -->\n        <section id=\"tos-acceptance\" class=\"fc-tos-section\">\n          <h2><span class=\"fc-tos-section__num\">1<\/span> Acceptance of Terms<\/h2>\n                    <p>\n            These Terms of Service (\"Terms\") constitute a legally binding agreement between you (\"Customer,\" \"you,\" or \"your\") and FundCore Bank (\"Bank,\" \"we,\" \"us,\" or \"our\"). By opening an account, accessing our website, or using any of our banking products or services, you confirm that you have read, understood, and agree to be bound by these Terms, our Privacy Policy, and any additional terms applicable to specific services.\n          <\/p>\n          <p>\n            If you are using our services on behalf of a business or legal entity, you represent and warrant that you have the authority to bind that entity to these Terms, and references to \"you\" shall include both you personally and that entity.\n          <\/p>\n          <p>\n            These Terms are effective as of the date you first use our services or the date shown above, whichever is earlier.\n          <\/p>\n                  <\/section>\n\n        <!-- 2. Eligibility -->\n        <section id=\"tos-eligibility\" class=\"fc-tos-section\">\n          <h2><span class=\"fc-tos-section__num\">2<\/span> Eligibility<\/h2>\n                    <p>To be eligible to open and maintain an account with FundCore Bank, you must:<\/p>\n          <ul>\n            <li>Be at least 18 years of age (or the age of majority in your jurisdiction)<\/li>\n            <li>Be a legal resident or citizen of a jurisdiction where we are licensed to operate<\/li>\n            <li>Provide accurate, complete, and current personal identification information as required<\/li>\n            <li>Not be subject to any sanctions, restrictions, or legal prohibitions that would prevent you from banking with us<\/li>\n            <li>Successfully pass our identity verification and Know Your Customer (KYC) process<\/li>\n            <li>Not have had an account with us previously terminated for cause<\/li>\n          <\/ul>\n          <p>\n            We reserve the right to refuse service or close existing accounts at our sole discretion if we determine that eligibility requirements are not met or are no longer met, or where required by law or regulation.\n          <\/p>\n                  <\/section>\n\n        <!-- 3. Account Opening & Management -->\n        <section id=\"tos-accounts\" class=\"fc-tos-section\">\n          <h2><span class=\"fc-tos-section__num\">3<\/span> Account Opening &amp; Management<\/h2>\n                    <h3>3.1 Account Application<\/h3>\n          <p>When applying to open an account, you agree to provide truthful, accurate, and complete information. Any misrepresentation or omission may result in immediate account closure, legal action, and reporting to relevant authorities.<\/p>\n\n          <h3>3.2 Account Ownership<\/h3>\n          <p>Accounts are personal and non-transferable. You may not assign, sell, transfer, or otherwise convey your account or any rights associated with it to any third party without our prior written consent.<\/p>\n\n          <h3>3.3 Account Maintenance<\/h3>\n          <p>You are responsible for maintaining accurate and up-to-date contact information, including your email address, phone number, and mailing address. You must notify us promptly of any changes to your personal or business information. Failure to maintain accurate information may affect your ability to access our services.<\/p>\n\n          <h3>3.4 Minimum Balance<\/h3>\n          <p>Certain account types may require a minimum balance to avoid fees or to remain active. Please refer to our current Schedule of Fees and the specific terms for your account type. We reserve the right to close accounts that fall below the required minimum balance after appropriate notice.<\/p>\n\n          <h3>3.5 Inactive Accounts<\/h3>\n          <p>Accounts with no customer-initiated transactions for a period of 12 consecutive months may be classified as inactive. Inactive accounts may be subject to dormancy fees as outlined in our Schedule of Fees. After an extended period of inactivity as required by applicable law, account funds may be remitted to the relevant government authority as unclaimed property.<\/p>\n                  <\/section>\n\n        <!-- 4. Banking Services -->\n        <section id=\"tos-services\" class=\"fc-tos-section\">\n          <h2><span class=\"fc-tos-section__num\">4<\/span> Banking Services<\/h2>\n                    <div class=\"fc-tos-grid\">\n            <div class=\"fc-tos-service-card\">\n              <div class=\"fc-tos-service-card__icon\">\n                <svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\"><rect x=\"2\" y=\"7\" width=\"20\" height=\"14\" rx=\"2\"\/><path d=\"M16 3H8a2 2 0 00-2 2v2h12V5a2 2 0 00-2-2z\"\/><\/svg>\n              <\/div>\n              <h4>Deposits &amp; Withdrawals<\/h4>\n              <p>Funds may be deposited and withdrawn subject to transaction limits, processing times, and applicable verification requirements.<\/p>\n            <\/div>\n            <div class=\"fc-tos-service-card\">\n              <div class=\"fc-tos-service-card__icon\">\n                <svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\"><polyline points=\"17 1 21 5 17 9\"\/><path d=\"M3 11V9a4 4 0 014-4h14M7 23l-4-4 4-4\"\/><path d=\"M21 13v2a4 4 0 01-4 4H3\"\/><\/svg>\n              <\/div>\n              <h4>Fund Transfers<\/h4>\n              <p>Transfer funds between your accounts or to other account holders. Transfers are subject to daily limits and may require additional verification.<\/p>\n            <\/div>\n            <div class=\"fc-tos-service-card\">\n              <div class=\"fc-tos-service-card__icon\">\n                <svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\"><rect x=\"1\" y=\"4\" width=\"22\" height=\"16\" rx=\"2\" ry=\"2\"\/><line x1=\"1\" y1=\"10\" x2=\"23\" y2=\"10\"\/><\/svg>\n              <\/div>\n              <h4>Payment Cards<\/h4>\n              <p>Virtual and physical debit\/credit cards are issued subject to our card terms. Cards may be suspended or cancelled for suspicious activity.<\/p>\n            <\/div>\n            <div class=\"fc-tos-service-card\">\n              <div class=\"fc-tos-service-card__icon\">\n                <svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\"><line x1=\"12\" y1=\"1\" x2=\"12\" y2=\"23\"\/><path d=\"M17 5H9.5a3.5 3.5 0 000 7h5a3.5 3.5 0 010 7H6\"\/><\/svg>\n              <\/div>\n              <h4>Loans &amp; Credit<\/h4>\n              <p>Loan products are subject to credit assessment, approval criteria, and separate loan agreement terms which will be provided at the time of application.<\/p>\n            <\/div>\n            <div class=\"fc-tos-service-card\">\n              <div class=\"fc-tos-service-card__icon\">\n                <svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\"><path d=\"M14 2H6a2 2 0 00-2 2v16a2 2 0 002 2h12a2 2 0 002-2V8z\"\/><polyline points=\"14 2 14 8 20 8\"\/><line x1=\"16\" y1=\"13\" x2=\"8\" y2=\"13\"\/><line x1=\"16\" y1=\"17\" x2=\"8\" y2=\"17\"\/><polyline points=\"10 9 9 9 8 9\"\/><\/svg>\n              <\/div>\n              <h4>Bill Payments<\/h4>\n              <p>Bill payment services are provided for convenience. We are not responsible for errors arising from incorrect payee information submitted by the customer.<\/p>\n            <\/div>\n            <div class=\"fc-tos-service-card\">\n              <div class=\"fc-tos-service-card__icon\">\n                <svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\"><path d=\"M8 12h.01M12 12h.01M16 12h.01M21 12c0 4.418-4.03 8-9 8a9.863 9.863 0 01-4.255-.949L3 20l1.395-3.72C3.512 15.042 3 13.574 3 12c0-4.418 4.03-8 9-8s9 3.582 9 8z\"\/><\/svg>\n              <\/div>\n              <h4>Customer Support<\/h4>\n              <p>Our support team is available to assist with account inquiries, disputes, and technical issues during published business hours.<\/p>\n            <\/div>\n          <\/div>\n\n          <p style=\"margin-top:20px;\">We reserve the right to modify, suspend, or discontinue any service at any time with reasonable notice to affected customers, except where immediate action is required for security or regulatory reasons.<\/p>\n                  <\/section>\n\n        <!-- 5. Fees & Charges -->\n        <section id=\"tos-fees\" class=\"fc-tos-section\">\n          <h2><span class=\"fc-tos-section__num\">5<\/span> Fees &amp; Charges<\/h2>\n                    <p>\n            By using our services, you authorise FundCore Bank to deduct applicable fees and charges from your account balance. Our current Schedule of Fees is available in your account settings and on our website. Key fee provisions include:\n          <\/p>\n\n          <div class=\"fc-tos-table-wrap\">\n            <table class=\"fc-tos-table\">\n              <thead>\n                <tr>\n                  <th>Fee Type<\/th>\n                  <th>Description<\/th>\n                  <th>When Charged<\/th>\n                <\/tr>\n              <\/thead>\n              <tbody>\n                <tr>\n                  <td><strong>Monthly Maintenance<\/strong><\/td>\n                  <td>Recurring fee for account maintenance and services, waivable with qualifying activity.<\/td>\n                  <td>Monthly<\/td>\n                <\/tr>\n                <tr>\n                  <td><strong>Transaction Fees<\/strong><\/td>\n                  <td>Fees applied to certain transfer types or transactions that exceed included limits.<\/td>\n                  <td>Per transaction<\/td>\n                <\/tr>\n                <tr>\n                  <td><strong>Overdraft Fees<\/strong><\/td>\n                  <td>Charged when a transaction exceeds available account balance (where overdraft protection is not in place).<\/td>\n                  <td>Per occurrence<\/td>\n                <\/tr>\n                <tr>\n                  <td><strong>Wire Transfer<\/strong><\/td>\n                  <td>Fees for domestic and international wire transfers, in addition to any correspondent bank fees.<\/td>\n                  <td>Per transfer<\/td>\n                <\/tr>\n                <tr>\n                  <td><strong>Dormancy Fees<\/strong><\/td>\n                  <td>Applied to accounts classified as inactive after 12 consecutive months without customer-initiated activity.<\/td>\n                  <td>Monthly<\/td>\n                <\/tr>\n              <\/tbody>\n            <\/table>\n          <\/div>\n\n          <p>We will provide at least 30 days' notice before implementing new fees or increasing existing fees, except where required by law or regulation to act sooner. Continued use of our services after the effective date of a fee change constitutes your acceptance of the new fee schedule.<\/p>\n                  <\/section>\n\n        <!-- 6. Security & Access -->\n        <section id=\"tos-security\" class=\"fc-tos-section\">\n          <h2><span class=\"fc-tos-section__num\">6<\/span> Security &amp; Access<\/h2>\n                    <h3>6.1 Credentials<\/h3>\n          <p>You are solely responsible for maintaining the confidentiality and security of your account credentials, including your username, password, PIN, and any multi-factor authentication (MFA) devices. You must not share your credentials with any third party under any circumstances.<\/p>\n\n          <h3>6.2 Unauthorised Access<\/h3>\n          <p>You must notify us immediately and no later than 24 hours upon discovering or suspecting any unauthorised access to your account, suspicious transactions, or loss or theft of credentials. You may be held liable for losses resulting from unauthorised transactions if you fail to notify us promptly.<\/p>\n\n          <h3>6.3 Device &amp; Session Security<\/h3>\n          <p>You are responsible for ensuring that the devices you use to access our services are free from malware, viruses, and keyloggers. Always log out completely after each online banking session, particularly when using shared or public devices. We are not responsible for losses arising from your failure to maintain device security.<\/p>\n\n          <h3>6.4 Multi-Factor Authentication<\/h3>\n          <p>We strongly recommend enabling multi-factor authentication (MFA) on your account. For certain high-value transactions or account changes, MFA may be required. We reserve the right to mandate MFA at any time to protect customer security.<\/p>\n\n          <h3>6.5 Monitoring<\/h3>\n          <p>We continuously monitor accounts for unusual or suspicious activity. We may place temporary holds, request additional verification, or restrict account access if we detect activity that may indicate fraud, money laundering, or other prohibited conduct. We will attempt to contact you promptly if such action is taken.<\/p>\n                  <\/section>\n\n        <!-- 7. Prohibited Activities -->\n        <section id=\"tos-prohibited\" class=\"fc-tos-section\">\n          <h2><span class=\"fc-tos-section__num\">7<\/span> Prohibited Activities<\/h2>\n                    <p>You agree not to use our services for any unlawful, fraudulent, or abusive purpose. Without limitation, the following activities are strictly prohibited:<\/p>\n          <ul>\n            <li>Money laundering, terrorist financing, or any activity that violates anti-money laundering (AML) laws<\/li>\n            <li>Processing payments or transactions related to illegal goods, services, or activities<\/li>\n            <li>Providing false, misleading, or fraudulent information in connection with your account<\/li>\n            <li>Using automated scripts, bots, or tools to access or interact with our services in an unauthorised manner<\/li>\n            <li>Attempting to circumvent, disable, or interfere with our security systems or fraud prevention measures<\/li>\n            <li>Using the account of another person without their knowledge and express consent<\/li>\n            <li>Conducting transactions that violate sanctions laws, trade restrictions, or embargoes<\/li>\n            <li>Facilitating or assisting any third party in conducting any of the above activities<\/li>\n            <li>Engaging in any activity that could damage, disable, or impair our systems, infrastructure, or reputation<\/li>\n          <\/ul>\n          <p>\n            Violation of these prohibitions may result in immediate account suspension or termination, reversal of transactions, reporting to law enforcement or regulatory authorities, and civil or criminal legal action.\n          <\/p>\n                  <\/section>\n\n        <!-- 8. Limitation of Liability -->\n        <section id=\"tos-liability\" class=\"fc-tos-section\">\n          <h2><span class=\"fc-tos-section__num\">8<\/span> Limitation of Liability<\/h2>\n                    <p>\n            To the maximum extent permitted by applicable law, FundCore Bank shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, loss of data, loss of business opportunity, or loss of goodwill, even if advised of the possibility of such damages.\n          <\/p>\n          <p>Our total aggregate liability to you for any claim arising under or in connection with these Terms or your use of our services shall not exceed the total amount of fees you paid to us during the three (3) months immediately preceding the event giving rise to the claim.<\/p>\n          <p>Nothing in these Terms shall exclude or limit our liability for:<\/p>\n          <ul>\n            <li>Fraud or fraudulent misrepresentation by us<\/li>\n            <li>Death or personal injury caused by our negligence<\/li>\n            <li>Any liability that cannot be excluded or limited by applicable law<\/li>\n          <\/ul>\n          <p>\n            We are not liable for service interruptions caused by circumstances outside our reasonable control, including acts of God, natural disasters, power failures, internet outages, cyber attacks, government actions, or third-party service provider failures.\n          <\/p>\n                  <\/section>\n\n        <!-- 9. Account Termination -->\n        <section id=\"tos-termination\" class=\"fc-tos-section\">\n          <h2><span class=\"fc-tos-section__num\">9<\/span> Account Termination<\/h2>\n                    <h3>9.1 Termination by You<\/h3>\n          <p>You may close your account at any time by contacting us through our support channels. Before closure, all outstanding balances, pending transactions, and applicable fees must be settled. Remaining funds will be returned to you via your chosen method within a reasonable timeframe, typically 5\u201310 business days.<\/p>\n\n          <h3>9.2 Termination by Us<\/h3>\n          <p>We reserve the right to suspend or terminate your account and access to our services, with or without prior notice, for any of the following reasons:<\/p>\n          <ul>\n            <li>Violation of these Terms or any applicable law or regulation<\/li>\n            <li>Suspected fraud, money laundering, or other financial crime<\/li>\n            <li>Inaccurate or fraudulent information provided during account opening or maintenance<\/li>\n            <li>Failure to complete required identity verification procedures<\/li>\n            <li>Account inactivity beyond the dormancy period<\/li>\n            <li>Business, legal, or regulatory requirements that necessitate account closure<\/li>\n          <\/ul>\n\n          <h3>9.3 Effect of Termination<\/h3>\n          <p>Upon termination, your right to use our services immediately ceases. Provisions of these Terms that by their nature should survive termination will continue to apply, including but not limited to Sections 7, 8, 10, and 11.<\/p>\n                  <\/section>\n\n        <!-- 10. Dispute Resolution -->\n        <section id=\"tos-disputes\" class=\"fc-tos-section\">\n          <h2><span class=\"fc-tos-section__num\">10<\/span> Dispute Resolution<\/h2>\n                    <h3>10.1 Transaction Disputes<\/h3>\n          <p>If you believe a transaction on your account is unauthorised or erroneous, you must notify us in writing within 60 days of the transaction date. We will investigate and respond within 10 business days, or up to 45 days for complex cases. If we determine the transaction was unauthorised, we will restore your account balance accordingly.<\/p>\n\n          <h3>10.2 Informal Resolution<\/h3>\n          <p>Before initiating any formal dispute process, you agree to first contact our customer support team and allow us a reasonable opportunity (at least 30 days) to resolve the issue informally. Most disputes can be resolved quickly through direct communication.<\/p>\n\n          <h3>10.3 Binding Arbitration<\/h3>\n          <p>Any dispute, claim, or controversy arising out of or relating to these Terms or your use of our services that cannot be resolved informally shall be resolved through binding arbitration in accordance with the rules of a recognised arbitration body. You waive your right to participate in class action lawsuits to the fullest extent permitted by applicable law.<\/p>\n\n          <h3>10.4 Exceptions<\/h3>\n          <p>Notwithstanding the arbitration agreement, either party may seek urgent injunctive or equitable relief in any court of competent jurisdiction to prevent irreparable harm.<\/p>\n                  <\/section>\n\n        <!-- 11. Governing Law -->\n        <section id=\"tos-governing\" class=\"fc-tos-section\">\n          <h2><span class=\"fc-tos-section__num\">11<\/span> Governing Law<\/h2>\n                    <p>\n            These Terms and any dispute or claim arising out of or in connection with them shall be governed by and construed in accordance with the laws of the jurisdiction in which FundCore Bank is registered and holds its primary banking licence, without regard to its conflict of law provisions.\n          <\/p>\n          <p>\n            Subject to the arbitration clause in Section 10, you agree to submit to the exclusive jurisdiction of the courts located in that jurisdiction for the resolution of any disputes not subject to arbitration.\n          <\/p>\n          <p>\n            If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect.\n          <\/p>\n                  <\/section>\n\n        <!-- 12. Changes to Terms -->\n        <section id=\"tos-changes\" class=\"fc-tos-section\">\n          <h2><span class=\"fc-tos-section__num\">12<\/span> Changes to Terms<\/h2>\n                    <p>\n            We may revise these Terms at any time. When we make material changes, we will:\n          <\/p>\n          <ul>\n            <li>Update the \"Last updated\" date at the top of this page<\/li>\n            <li>Send an email notification to your registered email address at least 30 days before the changes take effect<\/li>\n            <li>Display a prominent notice in your online banking portal<\/li>\n          <\/ul>\n          <p>\n            Your continued use of our services after the effective date of any revised Terms constitutes your acceptance of those changes. If you do not agree with the revised Terms, you must close your account before the effective date.\n          <\/p>\n          <p>\n            We encourage you to review these Terms periodically to stay informed of your rights and obligations.\n          <\/p>\n                  <\/section>\n\n        <!-- 13. Contact -->\n        <section id=\"tos-contact\" class=\"fc-tos-section\">\n          <h2><span class=\"fc-tos-section__num\">13<\/span> Contact Us<\/h2>\n                    <p>If you have questions or concerns about these Terms of Service, please contact us:<\/p>\n\n          <div class=\"fc-tos-contact-grid\">\n            <div class=\"fc-tos-contact-card\">\n              <div class=\"fc-tos-contact-card__icon\">\n                <svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\"><path d=\"M3 8l7.89 5.26a2 2 0 002.22 0L21 8M5 19h14a2 2 0 002-2V7a2 2 0 00-2-2H5a2 2 0 00-2 2v10a2 2 0 002 2z\"\/><\/svg>\n              <\/div>\n              <h4>Email<\/h4>\n              <a href=\"mailto:info@fundcorebank.com\">info@fundcorebank.com<\/a>\n            <\/div>\n            <div class=\"fc-tos-contact-card\">\n              <div class=\"fc-tos-contact-card__icon\">\n                <svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\"><path d=\"M22 16.92v3a2 2 0 01-2.18 2 19.79 19.79 0 01-8.63-3.07A19.5 19.5 0 013.07 9.81 19.79 19.79 0 01.87 2.82 2 2 0 012.87.64h3a2 2 0 012 1.72 12.84 12.84 0 00.7 2.81 2 2 0 01-.45 2.11L7.09 8.91a16 16 0 006 6l1.27-1.27a2 2 0 012.11-.45 12.84 12.84 0 002.81.7A2 2 0 0122 16.92z\"\/><\/svg>\n              <\/div>\n              <h4>Phone<\/h4>\n              <a href=\"tel:+18003863267\">+1 (800) 386-3267<\/a>\n            <\/div>\n            <div class=\"fc-tos-contact-card\">\n              <div class=\"fc-tos-contact-card__icon\">\n                <svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\"><path d=\"M21 10c0 7-9 13-9 13s-9-6-9-13a9 9 0 0118 0z\"\/><circle cx=\"12\" cy=\"10\" r=\"3\"\/><\/svg>\n              <\/div>\n              <h4>Address<\/h4>\n              <address>1 Financial Plaza, New York, NY 10004<\/address>\n            <\/div>\n          <\/div>\n\n          <p style=\"margin-top: 2rem;\">\n            For urgent account matters or to report suspected fraud, please call our 24\/7 support line at <strong>+1 (800) 386-3267<\/strong>.\n          <\/p>\n                  <\/section>\n\n        <!-- Back to top -->\n        <div class=\"fc-tos-back-top\">\n          <a href=\"#tos-top\" class=\"fc-tos-back-btn\">\n            <svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\"><polyline points=\"18 15 12 9 6 15\"\/><\/svg>\n            Back to top\n          <\/a>\n          <a href=\"https:\/\/firsttrust.site\/pt\/open-account\/\" class=\"fc-btn fc-btn-primary\">Open an Account<\/a>\n        <\/div>\n\n      <\/article>\n    <\/div>\n  <\/section>\n\n<\/div><!-- \/.fc-tos-page -->\n\n\n<div class=\"fc-footer\" role=\"contentinfo\">\n\n  <!-- \u2500\u2500 Main Footer \u2500\u2500 -->\n  <div class=\"fc-footer__main\">\n    <div class=\"fc-container\">\n      <div class=\"fc-footer__grid\">\n\n        <!-- Brand Column -->\n        <div class=\"fc-footer__brand\">\n          <a href=\"https:\/\/firsttrust.site\/pt\/\" class=\"fc-footer__logo-link\" aria-label=\"FundCore Bank \u2014 back to homepage\">\n                          <div class=\"fc-footer__logo-mark\">\n                <svg width=\"26\" height=\"26\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\">\n                  <path d=\"M3 9l9-7 9 7v11a2 2 0 01-2 2H5a2 2 0 01-2-2z\"\/>\n                  <polyline points=\"9 22 9 12 15 12 15 22\"\/>\n                <\/svg>\n                <span>FundCore Bank<\/span>\n              <\/div>\n                      <\/a>\n\n          <p class=\"fc-footer__tagline\">Banking That Works For You<\/p>\n\n          \n          <a href=\"https:\/\/firsttrust.site\/pt\/open-account\/\" class=\"fc-footer__cta\">\n            Open an Account\n            <svg width=\"14\" height=\"14\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\" stroke-linecap=\"round\" aria-hidden=\"true\"><path d=\"M5 12h14M12 5l7 7-7 7\"\/><\/svg>\n          <\/a>\n        <\/div>\n\n        <!-- Link Columns -->\n                <div class=\"fc-footer__col\">\n          <h4 class=\"fc-footer__col-title\">Quick Links<\/h4>\n          <ul class=\"fc-footer__links\" role=\"list\">\n                        <li>\n              <a href=\"https:\/\/firsttrust.site\/pt#fc-home\"\n                 class=\"fc-footer__link\"\n                 >\n                <svg width=\"12\" height=\"12\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\" stroke-linecap=\"round\" aria-hidden=\"true\"><path d=\"M9 18l6-6-6-6\"\/><\/svg>\n                Home              <\/a>\n            <\/li>\n                        <li>\n              <a href=\"https:\/\/firsttrust.site\/pt#fc-services\"\n                 class=\"fc-footer__link\"\n                 >\n                <svg width=\"12\" height=\"12\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\" stroke-linecap=\"round\" aria-hidden=\"true\"><path d=\"M9 18l6-6-6-6\"\/><\/svg>\n                Services              <\/a>\n            <\/li>\n                        <li>\n              <a href=\"https:\/\/firsttrust.site\/pt#fc-accounts\"\n                 class=\"fc-footer__link\"\n                 >\n                <svg width=\"12\" height=\"12\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\" stroke-linecap=\"round\" aria-hidden=\"true\"><path d=\"M9 18l6-6-6-6\"\/><\/svg>\n                Accounts              <\/a>\n            <\/li>\n                        <li>\n              <a href=\"https:\/\/firsttrust.site\/pt#fc-loans\"\n                 class=\"fc-footer__link\"\n                 >\n                <svg width=\"12\" height=\"12\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\" stroke-linecap=\"round\" aria-hidden=\"true\"><path d=\"M9 18l6-6-6-6\"\/><\/svg>\n                Loans              <\/a>\n            <\/li>\n                        <li>\n              <a href=\"https:\/\/firsttrust.site\/pt#fc-about\"\n                 class=\"fc-footer__link\"\n                 >\n                <svg width=\"12\" height=\"12\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\" stroke-linecap=\"round\" aria-hidden=\"true\"><path d=\"M9 18l6-6-6-6\"\/><\/svg>\n                About Us              <\/a>\n            <\/li>\n                      <\/ul>\n        <\/div>\n                <div class=\"fc-footer__col\">\n          <h4 class=\"fc-footer__col-title\">Our Services<\/h4>\n          <ul class=\"fc-footer__links\" role=\"list\">\n                        <li>\n              <a href=\"https:\/\/firsttrust.site\/pt#fc-accounts\"\n                 class=\"fc-footer__link\"\n                 >\n                <svg width=\"12\" height=\"12\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\" stroke-linecap=\"round\" aria-hidden=\"true\"><path d=\"M9 18l6-6-6-6\"\/><\/svg>\n                Savings Account              <\/a>\n            <\/li>\n                        <li>\n              <a href=\"https:\/\/firsttrust.site\/pt#fc-accounts\"\n                 class=\"fc-footer__link\"\n                 >\n                <svg width=\"12\" height=\"12\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\" stroke-linecap=\"round\" aria-hidden=\"true\"><path d=\"M9 18l6-6-6-6\"\/><\/svg>\n                Fixed Deposit              <\/a>\n            <\/li>\n                        <li>\n              <a href=\"https:\/\/firsttrust.site\/pt#fc-loans\"\n                 class=\"fc-footer__link\"\n                 >\n                <svg width=\"12\" height=\"12\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\" stroke-linecap=\"round\" aria-hidden=\"true\"><path d=\"M9 18l6-6-6-6\"\/><\/svg>\n                Personal Loans              <\/a>\n            <\/li>\n                        <li>\n              <a href=\"https:\/\/firsttrust.site\/pt#fc-loans\"\n                 class=\"fc-footer__link\"\n                 >\n                <svg width=\"12\" height=\"12\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\" stroke-linecap=\"round\" aria-hidden=\"true\"><path d=\"M9 18l6-6-6-6\"\/><\/svg>\n                Home Loans              <\/a>\n            <\/li>\n                        <li>\n              <a href=\"https:\/\/firsttrust.site\/pt#fc-loans\"\n                 class=\"fc-footer__link\"\n                 >\n                <svg width=\"12\" height=\"12\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\" stroke-linecap=\"round\" aria-hidden=\"true\"><path d=\"M9 18l6-6-6-6\"\/><\/svg>\n                Business Loans              <\/a>\n            <\/li>\n                      <\/ul>\n        <\/div>\n                <div class=\"fc-footer__col\">\n          <h4 class=\"fc-footer__col-title\">Company<\/h4>\n          <ul class=\"fc-footer__links\" role=\"list\">\n                        <li>\n              <a href=\"https:\/\/firsttrust.site\/pt#fc-about\"\n                 class=\"fc-footer__link\"\n                 >\n                <svg width=\"12\" height=\"12\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\" stroke-linecap=\"round\" aria-hidden=\"true\"><path d=\"M9 18l6-6-6-6\"\/><\/svg>\n                About Us              <\/a>\n            <\/li>\n                        <li>\n              <a href=\"https:\/\/firsttrust.site\/pt#fc-news\"\n                 class=\"fc-footer__link\"\n                 >\n                <svg width=\"12\" height=\"12\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\" stroke-linecap=\"round\" aria-hidden=\"true\"><path d=\"M9 18l6-6-6-6\"\/><\/svg>\n                News &amp; Updates              <\/a>\n            <\/li>\n                        <li>\n              <a href=\"\/privacy-policy\/\"\n                 class=\"fc-footer__link\"\n                 >\n                <svg width=\"12\" height=\"12\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\" stroke-linecap=\"round\" aria-hidden=\"true\"><path d=\"M9 18l6-6-6-6\"\/><\/svg>\n                Privacy Policy              <\/a>\n            <\/li>\n                        <li>\n              <a href=\"\/terms\/\"\n                 class=\"fc-footer__link\"\n                 >\n                <svg width=\"12\" height=\"12\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\" stroke-linecap=\"round\" aria-hidden=\"true\"><path d=\"M9 18l6-6-6-6\"\/><\/svg>\n                Terms of Service              <\/a>\n            <\/li>\n                      <\/ul>\n        <\/div>\n        \n        <!-- Contact Column -->\n                <div class=\"fc-footer__col\">\n          <h4 class=\"fc-footer__col-title\">Contact Us<\/h4>\n          <ul class=\"fc-footer__links fc-footer__contact\" role=\"list\">\n\n                        <li class=\"fc-footer__contact-item\">\n              <svg width=\"15\" height=\"15\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" aria-hidden=\"true\">\n                <path d=\"M22 16.92v3a2 2 0 01-2.18 2 19.79 19.79 0 01-8.63-3.07A19.5 19.5 0 014.69 11.8a19.79 19.79 0 01-3.07-8.67A2 2 0 013.6 1h3a2 2 0 012 1.72 12.84 12.84 0 00.7 2.81 2 2 0 01-.45 2.11L8.09 8.91a16 16 0 006 6l1.27-1.27a2 2 0 012.11-.45 12.84 12.84 0 002.81.7A2 2 0 0122 16.92z\"\/>\n              <\/svg>\n              <a href=\"tel:+18003863267\" class=\"fc-footer__link\">+1 (800) 386-3267<\/a>\n            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<span>1 Financial Plaza, New York, NY 10004<\/span>\n            <\/li>\n            \n          <\/ul>\n        <\/div>\n        \n      <\/div><!-- \/.fc-footer__grid -->\n    <\/div><!-- \/.fc-container -->\n  <\/div><!-- \/.fc-footer__main -->\n\n  <!-- \u2500\u2500 Divider \u2500\u2500 -->\n  <div class=\"fc-footer__divider\"><\/div>\n\n  <!-- \u2500\u2500 Bottom Bar \u2500\u2500 -->\n  <div class=\"fc-footer__bottom\">\n    <div class=\"fc-container\">\n      <div class=\"fc-footer__bottom-inner\">\n\n        <p class=\"fc-footer__copy\">\u00a9 2026 FundCore Bank. All rights reserved.<\/p>\n\n                <div class=\"fc-footer__badges\">\n          <div class=\"fc-footer__badge\">\n            <svg width=\"13\" height=\"13\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" aria-hidden=\"true\"><path d=\"M12 22s8-4 8-10V5l-8-3-8 3v7c0 6 8 10 8 10z\"\/><\/svg>\n            FDIC Insured\n          <\/div>\n          <div class=\"fc-footer__badge\">\n            <svg width=\"13\" height=\"13\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" aria-hidden=\"true\"><rect x=\"3\" y=\"11\" width=\"18\" height=\"11\" rx=\"2\" ry=\"2\"\/><path d=\"M7 11V7a5 5 0 0110 0v4\"\/><\/svg>\n            256-bit SSL\n          <\/div>\n          <div class=\"fc-footer__badge\">\n            <svg width=\"13\" height=\"13\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" aria-hidden=\"true\"><polyline points=\"9 11 12 14 22 4\"\/><path d=\"M21 12v7a2 2 0 01-2 2H5a2 2 0 01-2-2V5a2 2 0 012-2h11\"\/><\/svg>\n            PCI DSS Certified\n          <\/div>\n          <div class=\"fc-footer__badge\">\n            <svg width=\"13\" height=\"13\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" aria-hidden=\"true\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><polyline points=\"12 6 12 12 16 14\"\/><\/svg>\n            24\/7 Monitoring\n          <\/div>\n        <\/div>\n        \n      <\/div>\n    <\/div>\n  <\/div><!-- \/.fc-footer__bottom -->\n\n<\/div><!-- \/.fc-footer -->\n\n<style>\n\/* \u2500\u2500 Terms of Service Page Styles \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.fc-tos-page {\n  background: #f8f9fc;\n  min-height: 100vh;\n}\n\n\/* Hero *\/\n.fc-tos-hero {\n  background: linear-gradient(135deg, #0f2027 0%, #203a43 50%, #2c5364 100%);\n  color: #fff;\n  padding: 120px 0 60px;\n  position: relative;\n  overflow: hidden;\n}\n.fc-tos-hero::before {\n  content: '';\n  position: absolute;\n  inset: 0;\n  background: url(\"data:image\/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http:\/\/www.w3.org\/2000\/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.03'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'\/%3E%3C\/g%3E%3C\/g%3E%3C\/svg%3E\");\n}\n.fc-tos-breadcrumb {\n  font-size: 13px;\n  color: rgba(255,255,255,0.6);\n  margin-bottom: 16px;\n  display: flex;\n  align-items: center;\n  gap: 8px;\n}\n.fc-tos-breadcrumb a {\n  color: rgba(255,255,255,0.7);\n  text-decoration: none;\n}\n.fc-tos-breadcrumb a:hover { color: #fff; 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}\n\n.fc-tos-notice {\n  display: flex;\n  align-items: flex-start;\n  gap: 12px;\n  background: #fffbeb;\n  border: 1px solid #fde68a;\n  border-radius: 10px;\n  padding: 16px 20px;\n  font-size: 14px;\n  color: #92400e;\n  margin-bottom: 32px;\n  line-height: 1.6;\n}\n.fc-tos-notice svg { flex-shrink: 0; margin-top: 1px; }\n\n\/* Sections *\/\n.fc-tos-section {\n  background: #fff;\n  border-radius: 12px;\n  padding: 32px;\n  margin-bottom: 24px;\n  box-shadow: 0 1px 4px rgba(0,0,0,0.05);\n  border: 1px solid #e8ecf0;\n}\n.fc-tos-section h2 {\n  font-family: 'Playfair Display', Georgia, serif;\n  font-size: 1.4rem;\n  font-weight: 700;\n  color: #111827;\n  margin: 0 0 20px;\n  padding-bottom: 16px;\n  border-bottom: 2px solid #f3f4f6;\n  display: flex;\n  align-items: center;\n  gap: 12px;\n}\n.fc-tos-section__num {\n  display: inline-flex;\n  align-items: center;\n  justify-content: center;\n  width: 32px;\n  height: 32px;\n  background: #0f2027;\n  color: #fff;\n  border-radius: 50%;\n  font-size: 14px;\n  font-weight: 700;\n  flex-shrink: 0;\n  font-family: 'Inter', sans-serif;\n}\n.fc-tos-section h3 {\n  font-size: 1rem;\n  font-weight: 600;\n  color: #374151;\n  margin: 24px 0 8px;\n}\n.fc-tos-section p {\n  font-size: 15px;\n  color: #4b5563;\n  line-height: 1.8;\n  margin: 0 0 14px;\n}\n.fc-tos-section ul, .fc-tos-section ol {\n  font-size: 15px;\n  color: #4b5563;\n  line-height: 1.8;\n  margin: 0 0 14px;\n  padding-left: 24px;\n}\n.fc-tos-section li { margin-bottom: 6px; 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