Terms of Service

1. Acceptance of Terms

These Terms of Service ("Agreement") constitute a legally binding contract between you ("Client", "Account Holder", or "User") and East Trust Holdings Premier Financial Services ("East Trust Holdings", "Bank", "we", or "us"). By creating an account, accessing our digital portals, or transacting funds through East Trust Holdings, you signify that you have read, understood, and consented to these provisions in their entirety.

2. Eligibility & Account Opening

To establish a deposit account or credit wallet with East Trust Holdings, you must:

• Be at least 18 years of age (or the legal age of majority in your jurisdiction).
• Be a citizen or lawful legal resident of an eligible jurisdiction with a valid government taxpayer identification number.
• Provide accurate, verifiable identification materials pursuant to East Trust Holdings's CIP verification guidelines.
• Pass automated fraud, OFAC sanctions, and risk-underwriting screenings.

3. Authorized Use & Restrictions

Account holders agree to utilize East Trust Holdings facilities exclusively for lawful consumer or commercial transactions. You agree NOT to:

• Utilize accounts to facilitate unlawful gambling, narcotics distribution, human trafficking, or cyber extortion.
• Reverse-engineer, disassemble, decompile, or tamper with East Trust Holdings software or underlying cryptographic APIs.
• Permit unvetted third parties to access online credentials or act as an unregistered money transmitter.
• Intentionally trigger artificial overdrafts, kiting schemes, or false dispute claims.

4. Electronic & Mobile Banking

Electronic fund transfers (EFTs) executed via online banking, mobile applications, and ACH settlement networks are subject to Regulation E (12 CFR Part 1005). You are responsible for preserving the confidentiality of your security credentials. East Trust Holdings must be alerted immediately if you suspect credential compromise.

5. Transfers, Limits & Settlements

Internal book transfers between your East Trust Holdings accounts are executed immediately. External ACH transfers typically settle within 1 to 3 federal business days. Domestic and international Fedwire transactions submitted prior to 4:00 PM CST will execute on the same business day, subject to automated risk holds.

6. Fee Schedules & Amendments

All applicable fees (such as expedited wire charges or stop-payment orders) are explicitly published in our Fee Schedule. East Trust Holdings maintains the right to modify service fees and deposit terms upon providing at least thirty (30) days prior electronic notice to account holders.

7. Account Suspension & Termination

Either party may terminate the account relationship at any time upon notice. East Trust Holdings reserves the unilateral right to freeze or close accounts without prior notification if there is reasonable suspicion of fraudulent activity, AML violations, court-ordered attachments, or breaches of this Agreement.

8. Limitations of Liability

To the maximum extent permitted by applicable banking jurisprudence, East Trust Holdings shall not be liable for indirect, incidental, punitive, or consequential damages resulting from system outages, telecommunication failures, or third-party clearing delays outside our direct physical control.

9. Governing Law & Arbitration

This Agreement is governed by the laws of the State of Illinois and federal banking regulations, without regard to conflicts of law principles. Any dispute arising out of this Agreement shall be resolved through binding individual arbitration administered by the American Arbitration Association (AAA).

10. Legal Notice Information

Official legal notices to East Trust Holdings must be served in writing to: