Managing your account effectively and maintaining its security is a shared responsibility between you and Capitalpoint. Here are detailed guidelines to help ensure your account remains secure and your banking experience is smooth:

• Password Security: Use a strong, unique password for your account that includes a combination of letters, numbers, and special characters. Avoid using easily guessable information such as birthdays or common words. Change your password regularly and do not share it with anyone.
• Two-Factor Authentication (2FA): We strongly recommend enabling two-factor authentication for an added layer of security. 2FA requires a second form of identification, such as a code sent to your mobile phone, in addition to your password when logging in.
• Secure Devices: Ensure that the devices you use to access your account are secure. Install and update antivirus software, use a firewall, and keep your operating system and applications up to date to protect against vulnerabilities.
• Monitor Account Activity: Regularly review your account statements and transaction history to ensure all activity is authorized. Report any suspicious or unauthorized transactions to Capitalpoint immediately.
• Logout After Use: Always log out of your account when you have finished your session, especially when using a shared or public computer. This helps prevent unauthorized access to your account.
• Personal Information Protection: Be cautious about sharing personal information online. CapitalPoint will never ask for your password, PIN, or other sensitive information via email or phone. If you receive a suspicious request, contact us directly to verify its authenticity.

Financial Products and Services

Capitalpoint offers a variety of financial products and services to meet your needs. Here are more detailed descriptions and terms related to each service:

• Checking Accounts: Our checking accounts are designed to help you manage your everyday finances efficiently. Features include:
• Online and Mobile Banking: Access your account anytime, anywhere using our online and mobile banking platforms. Pay bills, transfer funds, and monitor transactions with ease.
• Debit Card: Receive a debit card that you can use for purchases and ATM withdrawals. Ensure you report any lost or stolen cards immediately to prevent unauthorized transactions.
• Overdraft Protection: Optional overdraft protection is available to help you avoid fees and declined transactions. Terms and conditions apply.
• Savings Accounts: Our savings accounts help you grow your money with competitive interest rates. Features include:
• Interest Rates: Earn interest on your savings with rates that are designed to help you reach your financial goals. Rates may vary based on account balance and market conditions.
• Automatic Transfers: Set up automatic transfers from your checking account to your savings account to make saving easy and consistent.
• Withdrawal Limits: Federal regulations limit the number of certain types of withdrawals and transfers from savings accounts. Please review our terms for more details.
• Student Loans: Capitalpoint offers student loans to help you finance your education. Our student loan options include:
• Federal Student Loan Refinancing: Refinance your existing federal student loans to potentially lower your interest rate and monthly payment.
• Private Student Loans: Apply for private student loans with competitive rates and flexible repayment options. Co-signers may be required for certain applicants.
• Parent Loans: Parents can apply for loans to help finance their child’s education. These loans offer flexible terms and repayment options.
• Home Loans: Our home loan options cater to various needs, whether you are purchasing a new home or refinancing an existing mortgage. Options include:
• Fixed-Rate Mortgages: Enjoy predictable monthly payments with a fixed interest rate for the life of the loan.
• Adjustable-Rate Mortgages (ARMs): Benefit from lower initial interest rates with ARMs, which adjust periodically based on market conditions.
• FHA Loans: Federal Housing Administration loans offer lower down payment requirements and are designed for first-time homebuyers and those with lower credit scores.
• VA Loans: Veterans Affairs loans provide favorable terms for eligible veterans and active-duty military personnel.
• Jumbo Loans: For higher-value properties, jumbo loans offer financing beyond the conforming loan limits set by the Federal Housing Finance Agency.
• Travel Fund Loans: Planning a trip? Our travel fund loans provide financial support for your travel-related expenses. Features include:
• Competitive Rates: Benefit from attractive interest rates designed to make your travel dreams a reality.
• Flexible Repayment Terms: Choose a repayment plan that fits your budget and travel plans.
• Business Accounts: Manage your business finances effectively with our tailored business account options.

Services include:

• Business Checking and Savings Accounts: Keep your business finances organized with dedicated checking and savings accounts.
• Merchant Services: Accept credit and debit card payments from your customers with our merchant services solutions.
• Cash Management Solutions: Optimize your cash flow with our comprehensive cash management services, including automated clearing house (ACH) transactions, wire transfers, and more.
• Corporate Accounts: Large businesses and corporations can access specialized financial solutions through our corporate accounts. Services include:
• Treasury Management: Manage your company’s liquidity, investments, and risk with our treasury management services.
• Commercial Loans: Obtain financing for your business operations, including working capital loans, equipment financing, and real estate loans.
• Investment Services: Grow your corporate assets with our investment services, including portfolio management, financial planning, and advisory services.
• Asset Financing: Finance the purchase of assets for your business with our asset financing options. Features include:
• Competitive Rates: Access financing at competitive interest rates to acquire the equipment and resources your business needs.
• Flexible Terms: Choose from a variety of repayment terms to fit your business’s cash flow and budget.
• International Business Services: Conduct international business with confidence using our financial solutions. Services include:
• International Wire Transfers: Send and receive funds globally with our secure and efficient wire transfer services.
• Foreign Currency Exchange: Exchange currencies at competitive rates for your international transactions.
• Export Financing: Support your export operations with financing options designed to help you manage risks and grow your business.

Fees and Charges

Understanding the fees and charges associated with your account and services is crucial. Here are more details:

• Account Fees: Some services are subject to fees, which may include:
• Monthly Maintenance Fees: Certain accounts may have monthly maintenance fees. These fees will be disclosed during the account opening process and can be found in our fee schedule on our website.
• Transaction Fees: Some accounts may charge fees for specific transactions, such as ATM withdrawals, wire transfers, and foreign transactions.
• Overdraft Fees: If you opt into overdraft protection, you may be charged a fee each time you overdraw your account. It is important to understand the terms and conditions of your overdraft protection plan.
• Loan Charges: Our loan services may include various fees and charges, such as:
• Origination Fees: These fees are charged to process your loan application and may be a percentage of the loan amount.
• Interest Rates: Interest rates vary based on the type of loan, your creditworthiness, and market conditions. Rates will be disclosed to you during the application process.
• Late Payment Fees: If you miss a payment, you may be charged a late fee. It is important to make payments on time to avoid additional charges.

User Responsibilities

As a user of Capitalpoint services, you have certain responsibilities to ensure the security and proper use of your account. Here are detailed guidelines:

• Compliance: You agree to comply with all applicable laws, regulations, and these Terms when using our services. This includes, but is not limited to, anti-money laundering laws, counter-terrorist financing laws, and other financial regulations.
• Accurate Information: You agree to provide accurate, complete, and up-to-date information when creating your account and during your use of our services. If any of your information changes, you agree to update your account promptly.
• Prohibited Activities: You must not engage in any prohibited activities, including:
• Fraudulent Activities: Engaging in or promoting fraudulent activities, including but not limited to, identity theft, phishing, and false representation.
• Money Laundering: Using our services to launder money or engage in other financial crimes.
• Terrorist Activities: Engaging in or promoting terrorist activities or financing terrorism.
• Malware Distribution: Using our services to distribute malware, viruses, or other harmful software.
• Service Disruption: Interfering with or disrupting the operation of our services or the servers or networks connected to our services.
• Privacy Violation: Violating the privacy of others or infringing on their rights.
• Automated Access: Using automated means, such as bots or scripts, to access or use our services without our permission.