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                                <h2>Terms & Conditions</h2>
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                                    <li class="active">Terms & Conditions</li>
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                                <h2>Terms and Conditions</h2>
                                <p class="text-muted">Last updated: <?php echo date('F d, Y'); ?></p>
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                                <h3>1. Agreement to Terms</h3>
                                <p>By accessing or using <?php echo $app_name; ?>'s online banking services, mobile application, or website (collectively, the "Services"), you agree to be bound by these Terms and Conditions. If you do not agree to these terms, please do not use our Services.</p>
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                                <h3>2. Eligibility</h3>
                                <p>To use our Services, you must:</p>
                                <ul>
                                    <li>Be at least 18 years of age</li>
                                    <li>Be a legal resident of the United States</li>
                                    <li>Have the legal capacity to enter into binding agreements</li>
                                    <li>Provide accurate and complete registration information</li>
                                    <li>Not be prohibited from using financial services under applicable law</li>
                                </ul>
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                                <h3>3. Account Registration and Security</h3>
                                <p>You are responsible for:</p>
                                <ul>
                                    <li>Providing accurate, current, and complete account information</li>
                                    <li>Maintaining the confidentiality of your login credentials</li>
                                    <li>All activities that occur under your account</li>
                                    <li>Notifying us immediately of any unauthorized access or security breaches</li>
                                </ul>
                                <p>We reserve the right to suspend or terminate accounts that violate these terms or engage in suspicious activity.</p>
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                                <h3>4. Banking Services</h3>
                                <h5>Deposits and Withdrawals</h5>
                                <p>All deposits are subject to verification and may be held for clearance. Withdrawal limits apply as specified in your account terms.</p>

                                <h5 class="mt-4">Transfers</h5>
                                <p>Fund transfers are subject to daily and transaction limits. We may delay or refuse transfers that appear fraudulent or violate our policies.</p>

                                <h5 class="mt-4">Bill Payments</h5>
                                <p>Bill payment services are provided for convenience. We are not responsible for late fees or service interruptions due to incorrect billing information provided by you.</p>
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                                <h3>5. Fees and Charges</h3>
                                <p>Current fees are disclosed in our fee schedule and may include:</p>
                                <ul>
                                    <li>Account maintenance fees (if applicable)</li>
                                    <li>Transaction fees for certain services</li>
                                    <li>Wire transfer fees</li>
                                    <li>Card replacement fees</li>
                                    <li>Overdraft or insufficient funds fees</li>
                                </ul>
                                <p>We reserve the right to modify fees with advance notice as required by law.</p>
                            </div>

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                                <h3>6. Prohibited Activities</h3>
                                <p>You agree not to use our Services for:</p>
                                <ul>
                                    <li>Illegal activities including money laundering or terrorist financing</li>
                                    <li>Fraudulent transactions or identity theft</li>
                                    <li>Circumventing security measures</li>
                                    <li>Unauthorized access to other accounts or systems</li>
                                    <li>Commercial purposes without written authorization</li>
                                    <li>Any activity that violates applicable laws or regulations</li>
                                </ul>
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                                <h3>7. Intellectual Property</h3>
                                <p>All content, trademarks, logos, and intellectual property displayed through our Services are the property of <?php echo $app_name; ?> or our licensors. You may not use, reproduce, or distribute any content without our prior written consent.</p>
                            </div>

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                                <h3>8. Limitation of Liability</h3>
                                <p>To the maximum extent permitted by law, <?php echo $app_name; ?> shall not be liable for:</p>
                                <ul>
                                    <li>Indirect, incidental, special, or consequential damages</li>
                                    <li>Loss of profits, data, or business opportunities</li>
                                    <li>Service interruptions or system failures beyond our control</li>
                                    <li>Unauthorized access to your account due to your negligence</li>
                                </ul>
                            </div>

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                                <h3>9. Dispute Resolution</h3>
                                <p>Any disputes arising from these Terms or our Services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. You agree to waive your right to participate in class action lawsuits.</p>
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                                <h3>10. Modifications to Terms</h3>
                                <p>We reserve the right to modify these Terms at any time. Material changes will be communicated via email or notice through our Services. Your continued use after such notice constitutes acceptance of the modified Terms.</p>
                            </div>

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                                <h3>11. Termination</h3>
                                <p>Either party may terminate the account relationship at any time. Upon termination, you remain responsible for all outstanding fees and obligations. We may close your account with notice for violations of these Terms.</p>
                            </div>

                            <div class="terms-section">
                                <h3>12. Contact Information</h3>
                                <p>For questions about these Terms and Conditions:</p>
                                <ul>
                                    <li>Email: <?php echo $support_email; ?></li>
                                    <li>Phone: <?php echo $support_phone; ?></li>
                                    <li>Address: 123 Financial District, New York, NY 10004</li>
                                </ul>
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