Client Agreement

1. Introduction and scope of this Agreement

This Client Agreement (“Agreement”) sets out the legally binding terms for using accounts, payment services, card products and online banking tools provided by Future Funds – B.B. Bank plc. (“the Bank”, “we”, “us”).

By opening an account or using our online portal, you acknowledge that you have read, understood and accepted this Agreement together with:

• Terms & Conditions
• Privacy Policy
• Cookie Policy
• Any product-specific documentation

2. Opening and maintaining your FF account

To open an FF account, you must meet eligibility requirements including age, residency, credit checks, source-of-funds verification and ongoing regulatory compliance. The Bank may require supporting documentation or conduct periodic reviews.

• Accounts may be single or multi-currency (GBP, EUR, USD and others based on profile).
• The Bank may refuse applications without providing a reason where legally permitted.
• You are responsible for keeping your personal and contact information up to date.

3. Payments, transfers and settlement

The Bank enables domestic, SEPA and SWIFT transfers. All outgoing transfers are subject to AML/CTF checks, sanctions screening and internal approval workflows.

• Processing times depend on currency, destination and cut-off times.
• The Bank may delay or reject payments for compliance or security reasons.
• Real-time FX quotes may apply to non-GBP transfers.
• Beneficiary details must be entered accurately; the Bank is not liable for incorrect data provided by you.

4. Cards and digital payments

Card products issued by the Bank can include debit, credit, virtual and travel cards. Usage is governed by card terms and applicable security rules.

• 3-D Secure and strong customer authentication may apply to online payments.
• Limits, currencies and allowed regions may be adjusted based on risk.
• You must report loss or suspected misuse without delay.

5. Online portal access and security

Your login credentials must remain confidential. The Bank may temporarily block access due to suspicious activity, technical maintenance or regulatory requirements.

• You are responsible for devices used to access the portal.
• We may require additional identity verification for sensitive operations.
• Session monitoring and fraud-prevention systems protect your account.

6. Compliance, KYC and source-of-funds rules

As a regulated financial institution, the Bank is obligated to perform KYC checks, monitor account activity and apply enhanced due diligence where necessary. You agree to cooperate with requests for supporting documentation.

• We may freeze or restrict accounts pending compliance verification.
• Transactions may be delayed or rejected based on risk indicators.
• We may be required to report certain activities to authorities.

7. Fees, charges and FX

The Bank publishes fees transparently. Fees may apply to international transfers, card usage, FX conversion, account maintenance or specific service packages.

8. Limitations of liability

The Bank is not liable for losses arising from:

• Delays caused by third-party banks or payment networks.
• Incorrect instructions submitted by the client.
• Regulatory actions, government orders or compliance restrictions.
• Technical interruptions, scheduled maintenance, or force majeure events.

9. Termination of the relationship

Either party may terminate the banking relationship with a written notice unless:

• Regulatory restrictions require immediate action.
• There is evidence of fraud, misuse or non-cooperation.
• Account activity violates AML/CTF laws or sanctions regimes.

10. Governing law and jurisdiction

This Agreement is governed by the laws of the United Kingdom. Any disputes shall be handled by competent UK courts unless stated otherwise.

11. Acceptance

By using the Bank’s services, you acknowledge and accept this Client Agreement, the Terms & Conditions, and all associated legal documents.