How Paxnova Trust operates, in writing.

These Terms of Service (the “Terms”) form a binding agreement between you and Paxnova Trust Bank, N.A. (“Paxnova Trust,” “we,” “us,” or “our”), a national banking association chartered by the Office of the Comptroller of the Currency (OCC) and insured by the Federal Deposit Insurance Corporation (FDIC). By accessing, signing into, or otherwise using our websites, applications, branches, or services (collectively, the “Services”), you accept these Terms.

If you do not agree, you must not use the Services. Some Services may be subject to additional terms (for example, your Deposit Account Agreement, our Wire Transfer Agreement, or our Cardholder Agreement). To the extent of a conflict between these Terms and a product-specific agreement, the product-specific agreement controls for that product.

You must be at least 18 years old (19 in Alabama and Nebraska, 21 in Mississippi and Puerto Rico) and a legal U.S. resident with a valid U.S. taxpayer identification number to open most personal accounts. Business accounts require a U.S.-registered entity in good standing. Some products have additional eligibility criteria disclosed at the point of application.

Federal law (the USA PATRIOT Act, Section 326) requires us to obtain, verify, and record information identifying every person and entity that opens an account. We may decline to open an account, or close an existing account, if we cannot verify your identity or if doing so would conflict with applicable law, our risk policies, or any sanctions program administered by OFAC.

You are responsible for the activity on any account or credential you control. Keep your password, biometric factors, one-time codes, and recovery codes confidential. Never share them with anyone — including someone claiming to be from Paxnova Trust. We will never call, email, or text you and ask for your full password or one-time codes.

Notify us immediately at 1-800-PAXNOVA-1 if you believe your credentials have been compromised, your device lost or stolen, or any unauthorized transaction has occurred. Your potential liability for unauthorized electronic fund transfers is limited under Regulation E when you notify us promptly.

The Services include online and mobile banking, account management, payments, wires, card controls, statements, and customer support. We reserve the right to add, modify, or discontinue features at any time. Scheduled maintenance, service availability, transaction cutoffs, and limits are published in the app and on this site and may change to reflect operating conditions or regulatory requirements.

Deposit accounts (Checking, Savings, CDs), credit cards, lending products, and brokerage and advisory products are governed by their own agreements, disclosures, and fee schedules — including but not limited to:

• Deposit Account Agreement and Truth-in-Savings disclosures
• Electronic Fund Transfer Agreement (Regulation E)
• Cardholder Agreement and Truth-in-Lending disclosures (Regulation Z)
• Wire Transfer Agreement and Funds Availability Policy (Regulation CC)
• Paxnova Trust Wealth Advisors LLC Form ADV and advisory agreement
• Brokerage Customer Agreement (FINRA-member affiliate)

You agree that the terms of those agreements supplement these Terms.

To open an account, you consent to receive disclosures, agreements, tax documents (including 1099-INT, 1098, 1099-DIV), and notices electronically under the federal Electronic Signatures in Global and National Commerce Act (15 U.S.C. § 7001 et seq.). You may withdraw this consent at any time by writing to us — withdrawal does not affect the legal effectiveness, validity, or enforceability of electronic records or signatures predating it. To access electronic documents you need a current browser, a working email address, and (for some documents) PDF-reader software.

Account fees, interest rates, and APYs are disclosed in your product's Truth-in-Savings or Truth-in-Lending disclosure and on our website. Variable rates are tied to externally-published indices and may change without prior notice except where applicable law requires advance notice. Fee schedules are subject to change with 30 days' written notice (or such other period as required by law).

You agree not to use the Services to:

• Violate any applicable law, regulation, or third-party right
• Conduct or facilitate money laundering, terrorist financing, fraud, or sanctioned-country transactions
• Send unsolicited communications, viruses, or other harmful code
• Reverse-engineer, decompile, or attempt to extract source code from any Paxnova Trust software
• Use automated means (scraping, bots, scripts) without our prior written consent
• Impersonate another person or misrepresent your affiliation
• Attempt to interfere with, disrupt, or gain unauthorized access to any account, server, or network

The Services may contain links to third-party sites or content. We do not control and are not responsible for any third-party content or services. Your use of a linked site is governed by that site's terms and privacy policy.

Paxnova Trust, the Paxnova Trust mark, and the Aurora P design are trademarks of Paxnova Trust Bank, N.A. All other trademarks belong to their respective owners. Subject to your compliance with these Terms, we grant you a personal, limited, non-exclusive, non-transferable, revocable license to access and use the Services for your own informational and account-management purposes. All other rights are reserved.

Except as expressly stated in writing, the Services are provided “as is” and “as available.” To the maximum extent permitted by law, we disclaim all warranties — including merchantability, fitness for a particular purpose, accuracy, and non-infringement. Information on the Services is for general informational purposes only and is not financial, tax, or legal advice.

To the maximum extent permitted by law, Paxnova Trust and our affiliates, directors, officers, employees, and agents will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or loss of profits, revenue, data, or goodwill, arising from or related to your use of the Services. Our aggregate liability for any claim arising from the Services will not exceed the greater of (a) the fees we received from you in the twelve months preceding the claim or (b) $100. Nothing in these Terms limits any rights or remedies that cannot be limited under applicable law, including Regulation E for unauthorized electronic fund transfers and Regulation Z for credit card billing errors.

You agree to indemnify and hold harmless Paxnova Trust and our affiliates from any claim, loss, or expense (including reasonable attorneys' fees) arising from your breach of these Terms, your misuse of the Services, or your violation of any law or third-party right.

We may suspend or terminate your access to the Services — and close your account — at any time, with or without cause, in accordance with applicable law. We'll return any balance you are entitled to after deducting outstanding obligations. You may close your account at any time by contacting us.

Any dispute, claim, or controversy arising out of or relating to the Services or these Terms, including their formation, interpretation, breach, or termination (a “Dispute”), will be resolved by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, except that either party may bring a qualifying small-claims action and either party may seek temporary injunctive relief in court.

You and Paxnova Trust each waive any right to a jury trial and any right to participate in a class, collective, or representative action. The arbitrator may not consolidate claims or preside over a representative or class proceeding. You may opt out of this arbitration agreement within 30 days of first accepting these Terms by emailing arbitration-opt-out@paxnovatrust.com with your account email and a clear statement of opt-out intent.

These Terms are governed by the laws of the State of New York and applicable U.S. federal law, without regard to conflict-of-laws rules. Subject to the arbitration provision above, any action must be brought in the state or federal courts located in New York County, New York.

We may update these Terms from time to time. Material changes will be posted on this page and, where required by law, sent to your designated electronic address with at least 30 days' notice before the effective date. Your continued use of the Services after changes take effect constitutes acceptance.

Paxnova Trust Bank, N.A.
Attn: Office of the General Counsel
1000 N Point St, San Francisco, CA 94109
Email: legal@paxnovatrust.com
Phone: 1-800-PAXNOVA-1