1. Introduction
Welcome to Chesapeake Bank (“we,” “us,” or “our”). By accessing and using the services (“Services”), including those provided through our partnership with Digital Onboarding, Inc., you agree to comply with and be bound by the following Terms of Service (“Terms”). These Terms outline the rights and obligations governing your use of our Services. Please read them carefully and contact us if you have any questions.

2. Services Provided
We offer a variety of digital services to enhance your banking experience. Specific to our partnership with Digital Onboarding, Inc., these include personalized onboarding campaigns and microsites designed to facilitate your introduction to our banking services, as well as direct deposit enrollment widgets that simplify setting up or modifying direct deposits into your accounts. We also provide card on file switching widgets, which allow you to update and manage your card information with various merchants. In addition, you may sign up for optional services such as Mobile Deposit, which enables remote check deposits through our mobile banking app (subject to separate application and agreement), eStatements for paper-free statement delivery, and fee-based treasury services such as Remote Deposit Capture, Positive Pay, and ACH Origination. Please note that certain of these services may require additional applications, agreements, approvals, and/or fees.

3. Use of Services
By choosing to use our Services, you agree to provide accurate and up-to-date information whenever required and to promptly notify us of any changes to your contact details or other relevant personal or financial information. You accept responsibility for maintaining the confidentiality of your account credentials, including any usernames, passwords, or other security measures. If you suspect unauthorized use or a breach of your account, you must notify us immediately. You further agree to use our Services in compliance with all applicable federal, state, and local laws, regulations, and ordinances. Any use of our Services for fraudulent, illegal, or unauthorized purposes is strictly prohibited.

4. Privacy and Data Security
Your privacy is important to us. We adhere to strict data protection policies and use industry-standard security measures, such as encryption and secure servers, to safeguard your personal information. However, no method of electronic transmission or storage can be guaranteed as entirely secure. By using our Services, you acknowledge and accept the inherent risks associated with online communication. For more information about how we collect, use, and share your information, please refer to our Privacy Policy. If you have any concerns about data security, you may contact us directly for more details.

5. Third-Party Services
We may integrate our platform with third-party applications to enhance functionality and streamline your banking experience. While we endeavor to maintain a high standard of security and seamless interaction, we cannot guarantee the security or reliability of services, applications, or websites that are operated by third parties beyond our control. Consequently, you acknowledge and agree that we are not responsible for any data breaches, service interruptions, or other losses arising from your use of third-party services. Before engaging with any third-party application, you are encouraged to carefully review its respective terms and privacy policies.

6. Additional Applications and Agreements
Certain services, including but not limited to Mobile Deposit and Treasury Services, may require the submission of separate applications or the signing of additional agreements. By submitting any such application, you authorize us to review and process your request, which may involve evaluating your eligibility and conducting risk assessments. Approval of these services is at our sole discretion and may be declined. If approved, you may be required to abide by further terms and conditions, and you may incur fees associated with these services.

7. Limitation of Liability
To the fullest extent permitted by law, Chesapeake Bank shall not be liable for any indirect, incidental, consequential, special, or punitive damages arising out of or related to your use of the Services, including any inability to access our platform. The Services are provided on an “as is” and “as available” basis, and we expressly disclaim all warranties, whether express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement. We shall not be responsible for delays or failures to perform resulting from circumstances beyond our reasonable control, including but not limited to natural disasters, acts of third parties, or technological disruptions.

8. Indemnification
To the fullest extent permitted by applicable law, you agree to indemnify, defend, and hold harmless Chesapeake Bank, its affiliates, officers, directors, employees, and agents from and against any and all claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys’ fees) arising out of or in any way related to: (a) your breach or alleged breach of these Terms; (b) your misuse or unauthorized use of the Services; or (c) any violation of law or regulation by you. However, this indemnification obligation does not apply to the extent any claims arise from our own gross negligence or willful misconduct.

9. Modifications to Terms
We reserve the right to modify or update these Terms of Service at any time. If we make any material changes, we will communicate those changes to you and update the “Last Updated” date at the bottom of this document. Your continued use of our Services after the posting or communication of any revisions constitutes acceptance of those changes. We encourage you to review these Terms periodically to stay informed of any modifications.

10. Contact Information
If you have questions or concerns about these Terms of Service, please contact us at 877-436-9032. We welcome your feedback and are committed to addressing any inquiries or issues you may have regarding your banking experience or the Services we provide.

11. Governing Law
These Terms of Service are governed by and construed in accordance with the laws of the State of Virginia, without regard to its conflict of law principles. By using our Services, you agree to submit to the exclusive jurisdiction and venue of the courts located within Lancaster County, Virginia for the resolution of any disputes arising out of or related to these Terms.

12. Acceptance of Terms
By accessing and using our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service. If you do not agree to these Terms, you must discontinue the use of our Services immediately by contacting us at the above number.

Last updated 2/23/26