diff --git a/src/components/Footer/BottomFooterOne.tsx b/src/components/Footer/BottomFooterOne.tsx
index d7f420f..2819d90 100644
--- a/src/components/Footer/BottomFooterOne.tsx
+++ b/src/components/Footer/BottomFooterOne.tsx
@@ -62,7 +62,7 @@ const CustomerLinks = () => {
     )
   );
   return (
-    <div className="flex-[66.667] flex items-center flex-wrap">
+    <div className="flex-[66.667] flex items-center flex-wrap gap-2">
       {links}
     </div>
   );
diff --git a/src/components/Header/Header.tsx b/src/components/Header/Header.tsx
index 1c95973..21cad3b 100644
--- a/src/components/Header/Header.tsx
+++ b/src/components/Header/Header.tsx
@@ -1,13 +1,15 @@
 import React, { useState, ChangeEvent } from "react";
 import Logo from "../../assets/icons/logo.svg";
 import Button from "../shared/Button";
-import { lowerMenuItems } from "../../utils/data";
+import { _lowerMenuItems } from "../../utils/data";
 import Sidebar from "./Sidebar";
 import { Link } from "react-router-dom";
+import HeaderMenuItem from "./HeaderMenuItem";
 
-type LowerMenuItem = {
-  id: string | number;
+export type LowerMenuItem = {
   name: string;
+  linkPath: string;
+  subItems?: LowerMenuItem[];
 };
 
 type HiddenMenuItems = {
@@ -88,14 +90,9 @@ const Header: React.FC<HiddenMenuItems> = ({
                 />
               </svg>
             </div>
-            <ul className="hidden lg:flex gap-[10px] items-center justify-end flex-wrap">
-              {lowerMenuItems.map((item: LowerMenuItem) => (
-                <li
-                  key={item.id}
-                  className="cursor-pointer text-[13.5px] font-medium text-[#525252] tracking-[1px] leading-[-0.3pt]"
-                >
-                  {item.name}
-                </li>
+            <ul className="hidden lg:flex gap-[10px] items-center justify-end flex-wrap relative">
+              {_lowerMenuItems.map((item: LowerMenuItem, idx: number) => (
+                <HeaderMenuItem key={idx} item={item} />
               ))}
             </ul>
           </div>
diff --git a/src/components/Header/HeaderMenuItem.tsx b/src/components/Header/HeaderMenuItem.tsx
new file mode 100644
index 0000000..2cd44b3
--- /dev/null
+++ b/src/components/Header/HeaderMenuItem.tsx
@@ -0,0 +1,33 @@
+import React, { useState } from "react";
+import { LowerMenuItem } from "./Header";
+
+interface MenuItemProps {
+  item: LowerMenuItem;
+}
+
+const HeaderMenuItem: React.FC<MenuItemProps> = ({ item }) => {
+  const [showSubMenu, setShowSubMenu] = useState<boolean>(false);
+
+  const toggleSubMenu = () => {
+    setShowSubMenu(!showSubMenu);
+  };
+
+  return (
+    <li
+      className="cursor-pointer text-[13.5px] font-medium text-[#525252] tracking-[1px] leading-[-0.3pt]"
+      onMouseEnter={toggleSubMenu}
+      onMouseLeave={toggleSubMenu}
+    >
+      <a href={item.linkPath}>{item.name}</a>
+      {showSubMenu && item.subItems && (
+        <ul className="absolute bg-white shadow-md p-4 z-20">
+          {item.subItems.map((subItem, index) => (
+            <HeaderMenuItem key={index} item={subItem} />
+          ))}
+        </ul>
+      )}
+    </li>
+  );
+};
+
+export default HeaderMenuItem;
diff --git a/src/components/Home/Requirements/FeatureText.tsx b/src/components/Home/Requirements/FeatureText.tsx
index e4e9c44..094cebc 100644
--- a/src/components/Home/Requirements/FeatureText.tsx
+++ b/src/components/Home/Requirements/FeatureText.tsx
@@ -32,9 +32,12 @@ const FeatureText = () => {
       >
         *** <span className="hover:underline">Click here to apply</span>
       </Link>
-      <p className="mt-[.5625rem] font-bold cursor-default">
+      <Link
+        to={RouteHandler.termsAndConditions}
+        className="mt-[.5625rem] font-bold"
+      >
         Terms and conditions apply
-      </p>
+      </Link>
     </div>
   );
 };
diff --git a/src/components/TsAndCs/Main.tsx b/src/components/TsAndCs/Main.tsx
new file mode 100644
index 0000000..d8b30c2
--- /dev/null
+++ b/src/components/TsAndCs/Main.tsx
@@ -0,0 +1,428 @@
+import React from "react";
+
+const Main = () => {
+  return (
+    <div className="w-full my-3">
+      <div className="containerMode">
+        <p className="mb-[15px]">
+          <strong>PRIVACY POLICY</strong>
+        </p>
+        <p className="mb-[15px]">
+          <strong>
+            <span>1.Your Privacy is important to us.</span>
+          </strong>
+        </p>
+        <p className="mb-[15px]">
+          This privacy statement sets out the privacy policy of
+          fcmbgroupplc.com, which provides a portal, or gateway, to the
+          financial services offered by the First City Monument Bank Limited and
+          the other members of the FCMB Group Plc (Collectively, “FCMB”).
+        </p>
+        <p className="mb-[15px]">
+          This policy explains how we collect, share, use, and protect
+          information when you visit or use this website and any other online
+          services, platforms, or products offered by FCMB or any of its banking
+          and non-banking affiliates and subsidiaries that link to or reference
+          this policy (collectively, our “services”).
+        </p>
+        <p className="mb-[15px]">
+          <strong>1.1 FCMB and You</strong>
+        </p>
+        <p className="mb-[15px]">
+          First City Monument Bank Limited is a private limited liability
+          company registered in the Federal Republic of Nigeria under RC No.
+          46713. Its head-office is at Primrose Tower, 17A Tinubu Street, Lagos
+          State, Nigeria.
+        </p>
+        <p className="mb-[15px]">
+          FCMB Group Plc hosts the fcmbgroupplc.com website and provides
+          technical support, access and links to the Local Sites of First City
+          Group members. fcmbgroupplc.com does not offer financial services or
+          products. Financial services and products may only be obtained by
+          registering with a Local Site. The First City Group provides financial
+          products and services to a global clientele through its affiliated
+          companies and branches located in 36 states and the Federal Capital
+          Territory in Nigeria, and in the UK. Privacy and personal data
+          protection principles vary from one country to another. When you
+          access or link to a Local Site, please read the privacy statement
+          issued by the Local Site to determine the policies that apply to
+          information or data maintained by the Local Site.
+        </p>
+        <p className="mb-[15px]">
+          <strong>
+            <span>2. Information we may collect about you </span>
+          </strong>
+        </p>
+        <p className="mb-[15px]">
+          <strong>2.1 Your Personal Information</strong>
+        </p>
+        <p className="mb-[15px]">
+          At FCMB, we strive to meet your needs and provide you with exceptional
+          services. In the course of consuming our services through various
+          channels, such as forms, phone calls, correspondence, service point
+          interfaces, and other available channels, we collect information that
+          you provide to us. This information may include, but is not limited
+          to, contact data, log/Technical information, Financial Data, Marketing
+          and Communications Data, identity verification details (this includes
+          Personally Identifiable Information (PII), otherwise known as Personal
+          Information or Personal Data, which includes email address, phone
+          number, contact address, limited financial information, location data,
+          device data etc.) and documents, services consumed or desired, mode of
+          consumption, preferences, location, general events, and instructions
+          and transactions relating to the services.
+        </p>
+        <p className="mb-[15px]">
+          The lawful basis we rely on for processing your Personal Information
+          are:
+        </p>
+        <ol>
+          <li>
+            Your Consent: Where you agree to us collecting your Personal
+            Information by using our Services.
+          </li>
+          <li>
+            We have a contractual obligation: Without your Personal Information,
+            we cannot provide our Services to you.
+          </li>
+          <li>
+            We have a legal obligation: To ensure we are fully compliant with
+            all applicable financial legislations such as Anti-Money Laundering
+            and Countering the Financing of Terrorism (AML/CFT) Laws, we must
+            collect and store your Personal Information. We protect against
+            fraud by checking your identity with your Personal Information.
+          </li>
+        </ol>
+        <p className="mb-[15px]">
+          Additionally, to better serve your needs, we may utilize information
+          about you collected from third parties and service partners. It is
+          important to note that these third-party sources are not under the
+          control of FCMB, and we are not responsible for how they use the
+          information.
+        </p>
+        <p className="mb-[15px]">
+          <strong>2.2 Usage and other information</strong>
+        </p>
+        <p className="mb-[15px]">
+          In addition to the personal information described above, we may
+          collect certain information about your use of our online services. For
+          example, we may capture the IP address of the device you use to
+          connect to the online service, the type of operating system and
+          browser you use, and information about the site you came from, the
+          parts of our online service you access, and the site you visit next.
+          FCMB or our third-party partners may also use cookies, web beacons or
+          other technologies to collect and store other information about your
+          visit to, or use of, our online services. In addition, we may later
+          associate the usage and other information we collect online with
+          personal information about you.
+        </p>
+        <p className="mb-[15px]">
+          <strong>2.3 FCMB Mobile</strong>
+        </p>
+        <p className="mb-[15px]">
+          For the convenience of our FCMB customers, we provide access to our
+          products and services through our mobile applications and
+          mobile-optimized websites ("FCMB Mobile"). When you engage with us
+          through FCMB Mobile, we may collect certain information to enhance
+          your experience. This information may include unique device
+          identifiers for your mobile device, screen resolution, device
+          settings, location information, and analytical data regarding your
+          mobile device usage. Please note that we may request your permission
+          before collecting specific information, such as precise geo-location
+          data,- contact or image data and other personal identifiable
+          information through FCMB Mobile. Rest assured that any information
+          collected is handled with the utmost care and in accordance with our
+          privacy policy.
+        </p>
+        <p className="mb-[15px]">
+          <strong>2.4 Additional sources of information</strong>
+        </p>
+        <p className="mb-[15px]">
+          We may also collect information about you from additional online and
+          offline sources including from co-branded partner sites or
+          commercially available third-party sources, such as credit reporting
+          agencies. We may combine this information with the personal and other
+          information we have collected about you under this Privacy Policy.
+        </p>
+        <p className="mb-[15px]">
+          <strong>2.5 Non-Personal Information</strong>
+        </p>
+        <p className="mb-[15px]">
+          In order to achieve our goal of providing you with the best-in-class
+          service, we may also collect, store, use and transfer non-personal
+          information or anonymized data such as statistical or demographic
+          data. These may be collected or sourced during your visits to perform
+          certain tasks such as grant you access to some parts of our web site
+          or conduct research on your behaviour on our site in order to improve
+          our services. We will not disclose your information to any person
+          outside our organization except as described in this Privacy Policy.
+        </p>
+        <p className="mb-[15px]">
+          <strong>
+            <span>3. Our Use of Information</span>
+          </strong>
+        </p>
+        <p className="mb-[15px]">
+          FCMB and/or subsidiaries may use or process the information discussed
+          above in a number of ways, such as to:
+        </p>
+        <ol>
+          <li>Manage your preferences;</li>
+          <li>
+            Create and manage any accounts or transactions you may have with us,
+            verify your identity, provide our services, and respond to your
+            inquiries;
+          </li>
+          <li>
+            Process your applications and transactions (including authorization,
+            clearing, chargebacks and other related dispute resolution
+            activities);
+          </li>
+          <li>
+            Protect against and prevent fraud, unauthorized transactions, claims
+            and other liabilities as well as enhance the security of your
+            account or our online services;
+          </li>
+          <li>
+            Provide, administer and communicate with you about our products,
+            services, offers, programs and promotions as well as those of our
+            merchants and partners;
+          </li>
+          <li>
+            Evaluate your interest in employment and contact you regarding
+            possible employment with FCMB;
+          </li>
+          <li>
+            Evaluate and improve our business, including developing new products
+            and services;
+          </li>
+          <li>To target advertisements, newsletters, and service updates;</li>
+          <li>As necessary to establish, exercise and defend legal rights;</li>
+          <li>
+            Perform analytics concerning your use of our online services,
+            including your responses to our emails and the pages and
+            advertisements you view;
+          </li>
+          <li>
+            As may be required by applicable laws and regulations, including for
+            compliance with Know Your Customers and risk assessment, Anti-Money
+            Laundering, anti-corruption and sanctions screening requirements, or
+            as requested by any judicial process, law enforcement or
+            governmental agency having or claiming jurisdiction over FCMB or
+            affiliates;
+          </li>
+          <li>
+            To use data analytics to improve our Website, products, or services,
+            and user experiences;
+          </li>
+          <li>
+            For other purposes for which we provide specific notice at the time
+            you provide or we collect your information.
+          </li>
+        </ol>
+        <p className="mb-[15px]">
+          We may also use data that we collect on an aggregate or anonymous
+          basis (such that it does not identify any individual customers) for
+          various business purposes, where permissible under applicable laws and
+          regulations.
+        </p>
+        <p className="mb-[15px]">
+          <strong>
+            <span>4. Cookies</span>
+          </strong>
+        </p>
+        <p className="mb-[15px]">
+          This website, along with most other major websites, uses cookies.
+          Cookies are pieces of information that a website transfers to the
+          cookie file on your computer’s hard disk. Cookies enable users to
+          navigate around the website and (where appropriate) enable us to
+          tailor the content to fit the needs of visitors who have accessed the
+          site.
+        </p>
+        <p className="mb-[15px]">
+          Firstcitygroup.com uses two types of cookies on this website:
+        </p>
+        <ol>
+          <li>
+            Session cookies, which are temporary cookies that remain in the
+            cookie file of your computer until you close your browser (at which
+            point they are deleted).
+          </li>
+          <li>
+            Persistent or stored cookies that remain permanently on the cookie
+            file of your computer.
+          </li>
+        </ol>
+        <p className="mb-[15px]">
+          Cookies cannot look into your computer and obtain information about
+          you or your family or read any material kept on your hard drive and,
+          unless you have logged onto an authenticated page, cookies cannot be
+          used to identify who you are.
+        </p>
+        <p className="mb-[15px]">
+          Cookies cannot be used by anyone else who has access to the computer
+          to find out anything about you, other than the fact that someone using
+          the computer has visited a certain website. Cookies do not in any way
+          compromise the security of your computer.
+        </p>
+        <p className="mb-[15px]">
+          Cookies will not be used to contact you for marketing purposes other
+          than by means of advertisements offered within this website.
+        </p>
+        <p className="mb-[15px]">
+          Cookies may be used to record details of pages relating to particular
+          products and services that you have visited on this website. This is
+          to provide fcmb.com with generic usage statistics to allow the company
+          to improve this website and to provide you with information that may
+          interest you.
+        </p>
+        <p className="mb-[15px]">
+          The web browsers of most computers are initially set up to accept
+          cookies. If you prefer, you can set your web browser to disable
+          cookies or to inform you when a website is attempting to add a cookie.
+          You can also delete cookies that have previously been added to your
+          computer’s cookie file.
+        </p>
+        <p className="mb-[15px]">
+          You can set your browser to disable persistent cookies and/or session
+          cookies but if you disable session cookies, although you will be able
+          to view this website’s unsecured pages, you may not be able to log
+          onto any authenticated pages.
+        </p>
+        <p className="mb-[15px]">
+          Please visit{" "}
+          <a href="http://www.allaboutcookies.org/manage-cookies/">
+            http://www.allaboutcookies.org/manage-cookies/
+          </a>{" "}
+          to discover how to disable and delete cookies.
+        </p>
+        <p className="mb-[15px]">
+          <strong>
+            <span>5. Disclosures</span>
+          </strong>
+        </p>
+        <p className="mb-[15px]">
+          <strong>5.1 Disclosures</strong>
+        </p>
+        <p className="mb-[15px]">
+          We may divulge individual data to any individual performing review,
+          lawful, operational, or different services for us. We will utilize
+          data which does not identify the person for these exercises at
+          whatever point achievable. Data divulged to vendors or contractors for
+          operational purposes may not be re-disclosed to others by such a
+          vendor or contractor. We may reveal individual data when needed to do
+          as such by a court request, or court order. We may divulge individual
+          data as we esteem it proper to secure the wellbeing of our customers
+          or for an investigation identified with open security or to report an
+          action that has all the earmarks of being disregarding law. We may
+          divulge individual data to ensure the security and dependability of
+          this site and to take safety measures against accountability.
+        </p>
+        <p className="mb-[15px]">
+          <strong>5.2 Disclosures to Third Parties</strong>
+        </p>
+        <p className="mb-[15px]">
+          Data about you that is accessible to you by means of fcmb.com,
+          including your personal data, can become subject to the legal systems
+          and laws in force in the country where the data is held, received or
+          stored by you or us. Such data can become subject to disclosure
+          pursuant to the laws of the country.
+        </p>
+        <p className="mb-[15px]">
+          We may reveal your name and other personal data and other monetary
+          data about you at the request of regulatory agency or in connection
+          with an examination of us as a bank. This information could be
+          revealed to internal and external attorneys or auditors, and to others
+          whom we are required to make such revelations.
+        </p>
+        <p className="mb-[15px]">
+          <strong>
+            <span>6. Information Security and Retention</span>
+          </strong>
+        </p>
+        <p className="mb-[15px]">
+          At FCMB, we are fully committed to protecting the information we
+          collect. We maintain administrative, technical, and physical controls
+          to actively safeguard the Personal Information you provide or we
+          collect. These controls are designed to protect against loss, theft,
+          unauthorized access, disclosure, copying, misuse, or modification.
+        </p>
+        <p className="mb-[15px]">
+          Our security measures actively include secure servers, firewalls, data
+          encryption, and restricted access granted only to employees for
+          fulfilling their job responsibilities.
+        </p>
+        <p className="mb-[15px]">
+          When using a password for any of your accounts, it is essential that
+          you actively ensure its confidentiality and refrain from sharing it
+          with anyone.
+        </p>
+        <p className="mb-[15px]">
+          We actively conduct our business in accordance with these principles
+          to actively ensure the confidentiality and protection of your Personal
+          Information. While transmitting information online may not be entirely
+          secure, we actively take all reasonable steps to ensure the security
+          and protection of your Personal Information.
+        </p>
+        <p className="mb-[15px]">
+          We will only retain personal information on our servers for as long as
+          it is actively necessary while providing services to you. In the event
+          you close your account, we actively store your information on our
+          servers to comply with regulatory obligations and actively monitor,
+          detect, and prevent fraud. Any retention of your Personal Data is
+          solely for such length of time as may be required by law, regulation,
+          and the internal policies of FCMB, her members and/or affiliates.
+        </p>
+        <p className="mb-[15px]">
+          <strong>6.1 Data Protection on the Internet</strong>
+        </p>
+        <p className="mb-[15px]">
+          At FCMB we utilize encryption innovation to ensure the transmission of
+          data to or from you by means of fcmb.com. For security reasons and to
+          protect the security of your information, access to fcmb.com is
+          restricted to authorized users only. However, because information
+          about you, your account data and other transactions can be accessed
+          through a public network, the Internet, there can be no guarantee that
+          your account information will remain secure and you accept the risk
+          that unauthorized persons may view such information. If you believe
+          that an unauthorized person has accessed your information, please
+          contact the Bank immediately.
+        </p>
+        <p className="mb-[15px]">
+          <strong>
+            <span>7. Updates to this Policy</span>
+          </strong>
+        </p>
+        <p className="mb-[15px]">
+          From time to time, we may change, amend or review this Privacy Policy
+          from time to time to reflect new services or changes in our Privacy
+          Policy and place any updates on this page. All changes made will be
+          posted on this page and where changes will materially affect you, we
+          will notify you of this change by placing a notice online or via mail.
+          If you keep using our Services, you consent to all amendments of this
+          Privacy Policy.
+        </p>
+        <p className="mb-[15px]">
+          <strong>
+            <span>8. Contact us</span>
+          </strong>
+        </p>
+        <p className="mb-[15px]">
+          For issues relating to personal data, please contact us via any of the
+          below:
+        </p>
+        <p className="mb-[15px]">
+          Corporate Address: Primrose Tower, 17A, Tinubu Street, Marina, Lagos
+        </p>
+        <p className="mb-[15px]">Telephone: 07003290000, 01-2798800</p>
+        <p className="mb-[15px]">
+          Email: <a href="#">customerservice@fcmb.com</a>
+        </p>
+        <p className="mb-[15px]">
+          Whatsapp: (+234) 09099999814 or (+234) 09099999815
+        </p>
+      </div>
+    </div>
+  );
+};
+
+export default Main;
diff --git a/src/components/TsAndCs/index.ts b/src/components/TsAndCs/index.ts
new file mode 100644
index 0000000..7980d4a
--- /dev/null
+++ b/src/components/TsAndCs/index.ts
@@ -0,0 +1,3 @@
+import Main from "./Main";
+
+export { Main as TsAndCs };
diff --git a/src/components/index.ts b/src/components/index.ts
index c5a1cd8..8423231 100644
--- a/src/components/index.ts
+++ b/src/components/index.ts
@@ -5,5 +5,6 @@ export * from "./shared";
 export * from "./Footer";
 export * from "./DashboardLayout";
 export * from "./Icons";
-export * from './Dashboard'
-export * from './Cards'
+export * from "./Dashboard";
+export * from "./Cards";
+export * from "./TsAndCs";
diff --git a/src/pages/TermsAndConditionPage.tsx b/src/pages/TermsAndConditionPage.tsx
new file mode 100644
index 0000000..a273710
--- /dev/null
+++ b/src/pages/TermsAndConditionPage.tsx
@@ -0,0 +1,13 @@
+import React from "react";
+import { HomeLayout } from "../layouts";
+import { TsAndCs } from "../components";
+
+const TermsAndConditionPage = () => {
+  return (
+    <HomeLayout>
+      <TsAndCs />
+    </HomeLayout>
+  );
+};
+
+export default TermsAndConditionPage;
diff --git a/src/pages/index.ts b/src/pages/index.ts
index 10a23d4..32f4957 100644
--- a/src/pages/index.ts
+++ b/src/pages/index.ts
@@ -6,6 +6,7 @@ import DashboardLegalsPage from "./DashboardLegalsPage";
 import DashboardProfilePage from "./DashboardProfilePage";
 import DashboardVerificationPage from "./DashboardVerificationPage";
 import DashboardpaymentsPage from "./DashboardPaymentsPage";
+import TermsAndConditionPage from "./TermsAndConditionPage";
 
 export {
   HomePage,
@@ -16,4 +17,5 @@ export {
   DashboardProfilePage,
   DashboardVerificationPage,
   DashboardpaymentsPage,
+  TermsAndConditionPage,
 };
diff --git a/src/router/Router.tsx b/src/router/Router.tsx
index 3cbe20f..f03b3e2 100644
--- a/src/router/Router.tsx
+++ b/src/router/Router.tsx
@@ -1,6 +1,16 @@
 import { Route, Routes } from "react-router-dom";
 import { RouteHandler } from "./routes";
-import { GetStartedPage, HomePage, LoginPage, DashboardHomePage,  DashboardLegalsPage, DashboardProfilePage, DashboardVerificationPage, DashboardpaymentsPage } from "../pages";
+import {
+  GetStartedPage,
+  HomePage,
+  LoginPage,
+  DashboardHomePage,
+  DashboardLegalsPage,
+  DashboardProfilePage,
+  DashboardVerificationPage,
+  DashboardpaymentsPage,
+  TermsAndConditionPage,
+} from "../pages";
 import { DashboardAuth } from "../components";
 
 const Routers = () => {
@@ -9,14 +19,33 @@ const Routers = () => {
       <Route path={RouteHandler.homepage} element={<HomePage />} />
       <Route path={RouteHandler.loginpage} element={<LoginPage />} />
       <Route path={RouteHandler.getStarted} element={<GetStartedPage />} />
+      <Route
+        path={RouteHandler.termsAndConditions}
+        element={<TermsAndConditionPage />}
+      />
       <Route element={<DashboardAuth />}>
-          <Route path={RouteHandler.dashboardHome} element={<DashboardHomePage />} />
-          <Route path={RouteHandler.dashboardProfile} element={<DashboardProfilePage />} />
-          <Route path={RouteHandler.dashboardVerification} element={<DashboardVerificationPage />} />
-          <Route path={RouteHandler.dashboardPayments} element={<DashboardpaymentsPage />} />
-          <Route path={RouteHandler.dashboardLegals} element={<DashboardLegalsPage />} />
+        <Route
+          path={RouteHandler.dashboardHome}
+          element={<DashboardHomePage />}
+        />
+        <Route
+          path={RouteHandler.dashboardProfile}
+          element={<DashboardProfilePage />}
+        />
+        <Route
+          path={RouteHandler.dashboardVerification}
+          element={<DashboardVerificationPage />}
+        />
+        <Route
+          path={RouteHandler.dashboardPayments}
+          element={<DashboardpaymentsPage />}
+        />
+        <Route
+          path={RouteHandler.dashboardLegals}
+          element={<DashboardLegalsPage />}
+        />
       </Route>
-      <Route path='*'element={<>Error Page</>} />
+      <Route path="*" element={<>Error Page</>} />
     </Routes>
   );
 };
diff --git a/src/router/routes.tsx b/src/router/routes.tsx
index af17bd3..210eff6 100644
--- a/src/router/routes.tsx
+++ b/src/router/routes.tsx
@@ -1,10 +1,11 @@
 export class RouteHandler {
-    static homepage = "/"
-    static loginpage = '/login'
-    static getStarted = "/get-started"
-    static dashboardHome = '/dashboard/home'
-    static dashboardProfile = '/dashboard/profile'
-    static dashboardVerification = '/dashboard/verification'
-    static dashboardPayments = '/dashboard/payments'
-    static dashboardLegals = '/dashboard/legals'
-}
\ No newline at end of file
+  static homepage = "/";
+  static loginpage = "/login";
+  static getStarted = "/get-started";
+  static dashboardHome = "/dashboard/home";
+  static dashboardProfile = "/dashboard/profile";
+  static dashboardVerification = "/dashboard/verification";
+  static dashboardPayments = "/dashboard/payments";
+  static dashboardLegals = "/dashboard/legals";
+  static termsAndConditions = "/terms-and-conditions";
+}
diff --git a/src/utils/data.tsx b/src/utils/data.tsx
index 3dd7fe5..e3e1a9b 100644
--- a/src/utils/data.tsx
+++ b/src/utils/data.tsx
@@ -48,6 +48,354 @@ export const lowerMenuItems = [
   },
 ];
 
+export const _lowerMenuItems = [
+  {
+    name: "PERSONAL BANKING",
+    linkPath: "/personal-banking",
+    subItems: [
+      {
+        name: "CURRENT ACCOUNTS",
+        linkPath: "/current-accounts",
+        subItems: [
+          {
+            name: "CLASSIC CURRENT ACCOUNT",
+            linkPath: "/personal-classic-current-account",
+          },
+          {
+            name: "PREMIUM CURRENT ACCOUNT",
+            linkPath: "/premium-current-account",
+          },
+          {
+            name: "PERSONAL BUSINESS ACCOUNT",
+            linkPath: "/personal-business-account",
+          },
+          {
+            name: "DOMICILIARY CURRENT ACCOUNT",
+            linkPath: "/domiciliary-current-account",
+          },
+        ],
+      },
+      {
+        name: "SAVINGS ACCOUNTS",
+        linkPath: "/savings-accounts",
+        subItems: [
+          { name: "FCMB EASY ACCOUNT", linkPath: "/easy-account" },
+          { name: "KIDS (0-17 YRS)", linkPath: "/kids" },
+          { name: "FLEXX (18-30 YRS)", linkPath: "/flexx-account" },
+          {
+            name: "CLASSIC SAVINGS ACCOUNT",
+            linkPath: "/classic-savings-account",
+          },
+          {
+            name: "PREMIUM SAVINGS ACCOUNT",
+            linkPath: "/fcmb-premium-savings-account",
+          },
+          {
+            name: "FCMB SALARY SAVINGS ACCOUNT",
+            linkPath: "/fcmb-salary-savings-account",
+          },
+          {
+            name: "DOMICILIARY SAVINGS ACCOUNT",
+            linkPath: "/domiciliary-savings-account",
+          },
+        ],
+      },
+      {
+        name: "INVESTMENTS",
+        linkPath: "/investment-accounts",
+        subItems: [
+          { name: "FIXED DEPOSITS", linkPath: "/fixed-deposits" },
+          { name: "GRO (App)", linkPath: "/GRO" },
+          { name: "GRO (Web)", linkPath: "https://www.investwithgro.com/" },
+          {
+            name: "I-NEST SAVING",
+            linkPath: "https://i-nest.fcmb.com/#/welcome",
+          },
+          { name: "CALL DEPOSITS", linkPath: "/call-deposits" },
+          {
+            name: "EDUCATION INVESTMENT PLAN",
+            linkPath: "/education-investment",
+          },
+          {
+            name: "MUTUAL FUNDS",
+            linkPath: "https://www.fcmbassetmanagement.com/mutual-funds/",
+          },
+        ],
+      },
+      {
+        name: "LOANS AND CREDIT CARDS",
+        linkPath: "/loans-and-credit-cards",
+        subItems: [
+          { name: "FASTCASH", linkPath: "/fastcash" },
+          { name: "SALARY PLUS LOAN", linkPath: "/salary-plus-loan" },
+          { name: "PREMIUM SALARY LOAN", linkPath: "/premium-salary-loan" },
+          { name: "AUTO LOAN", linkPath: "/auto-loan" },
+          { name: "AIRTIME LOAN", linkPath: "/airtime-loan" },
+          { name: "CREDIT CARDS", linkPath: "/credit-cards" },
+          {
+            name: "EASYLIFT LOAN",
+            linkPath: "https://easyliftloanform.fcmb.com",
+          },
+          { name: "MORTGAGE", linkPath: "http://mortgage.fcmb.com/" },
+        ],
+      },
+      {
+        name: "NON-RESIDENT NIGERIAN (NRN) BANKING",
+        linkPath: "https://www.fcmb.com/non-resident-nigerian",
+      },
+      {
+        name: "WAYS TO BANK",
+        linkPath: "/ways-to-bank",
+        subItems: [
+          { name: "FCMB MOBILE", linkPath: "/fcmb-mobile" },
+          {
+            name: "RETAIL INTERNET BANKING",
+            linkPath: "https://ibank.fcmb.com/",
+          },
+          { name: "USSD BANKING", linkPath: "/ussd" },
+          { name: "OUR BRANCH NETWORK", linkPath: "/branch-network" },
+          { name: "OUR ATM NETWORK", linkPath: "/atm-network" },
+          { name: "FLASHMECASH", linkPath: "/flashme-cash" },
+          { name: "OUR CARDS", linkPath: "/our-cards" },
+          { name: "FCMB ELECTRONIC CHANNELS", linkPath: "/e-channels" },
+          { name: "AGENT BANKING", linkPath: "/agent-banking" },
+          {
+            name: "FCMB SECURE COMMUNICATION",
+            linkPath: "/secure-communication",
+          },
+          { name: "TEMI", linkPath: "/temi" },
+        ],
+      },
+      { name: "BANCASSURANCE", linkPath: "/bancassurance" },
+    ],
+  },
+  {
+    name: "BUSINESS BANKING",
+    linkPath: "/business-banking",
+    subItems: [
+      {
+        name: "PROPOSITIONS",
+        linkPath: "",
+        subItems: [
+          { name: "SHEVENTURES", linkPath: "/she-ventures" },
+          { name: "BUSINESS ZONE", linkPath: "https://businesszone.fcmb.com/" },
+          {
+            name: "FOOD BUSINESS SUPPORT",
+            linkPath: "https://www.fcmb.com/food-business-support/",
+          },
+          { name: "SCHOOL BUSINESS SUPPORT", linkPath: "/school-support" },
+        ],
+      },
+      {
+        name: "CURRENT ACCOUNTS",
+        linkPath: "/business-current-accounts",
+        subItems: [
+          {
+            name: "CORPORATE CURRENT ACCOUNT",
+            linkPath: "/corporate-current-account",
+          },
+          { name: "FCMB BUSINESS ACCOUNT", linkPath: "/fcmb-business-account" },
+          {
+            name: "DOMICILIARY CURRENT ACCOUNT",
+            linkPath: "/business-domiciliary-current-account",
+          },
+        ],
+      },
+      {
+        name: "SAVINGS ACCOUNTS",
+        linkPath: "/node/178",
+        subItems: [
+          {
+            name: "BUSINESS SAVINGS ACCOUNT",
+            linkPath: "/business-savings-account",
+          },
+        ],
+      },
+      {
+        name: "LOANS",
+        linkPath: "/business-loans",
+        subItems: [
+          {
+            name: "SME DEVELOPMENT FINANCE FACILITY",
+            linkPath: "/sme-development-finance-facility",
+          },
+          {
+            name: "SME ASSET FINANCE FACILITY",
+            linkPath: "/sme-asset-finance-facility",
+          },
+          {
+            name: "SME WORKING CAPITAL FACILITY",
+            linkPath: "/sme-working-capital-facility",
+          },
+          { name: "QUICK LOAN", linkPath: "/quick-loan" },
+          {
+            name: "SME INVOICE DISCOUNTING FINANCE (IDF) FACILITY",
+            linkPath: "/invoice-discounting-loan",
+          },
+          {
+            name: "SME LOCAL PURCHASE ORDER (LPO) FINANCE FACILITY",
+            linkPath: "/local-purchase-order-loan",
+          },
+        ],
+      },
+      { name: "BONDS & GUARANTEES", linkPath: "/bonds-and-guarantees" },
+      { name: "INTERVENTION FUNDS", linkPath: "/intervention-funds" },
+      { name: "TRADE SERVICE", linkPath: "/trade-service" },
+      {
+        name: "PAYMENT & COLLECTION",
+        linkPath: "/payment-and-collection",
+        subItems: [
+          { name: "COLLECTION SOLUTIONS", linkPath: "/collection-solutions" },
+          { name: "PAYMENT SOLUTIONS", linkPath: "/payment-solutions" },
+        ],
+      },
+      {
+        name: "WAYS TO BANK",
+        linkPath: "/business-ways-to-bank",
+        subItems: [
+          {
+            name: "BUSINESS INTERNET BANKING",
+            linkPath: "https://ibank.fcmb.com/corporate/BbgLoginScreenUI.aspx",
+          },
+          {
+            name: "CORPORATE INTERNET BANKING",
+            linkPath: "https://www.fcmbonline.com/",
+          },
+          { name: "OUR ATM NETWORK", linkPath: "/atm-network2" },
+          { name: "FCMB ONLINE", linkPath: "/fcmb-online-business" },
+          {
+            name: "FCMB ELECTRONIC CHANNELS",
+            linkPath: "https://www.fcmb.com/e-channels",
+          },
+          { name: "FCMB BUSINESS APP", linkPath: "/FCMB-business-app" },
+        ],
+      },
+    ],
+  },
+  {
+    name: "CORPORATE BANKING",
+    linkPath: "/corporate-banking",
+    subItems: [
+      {
+        name: "FOREIGN EXCHANGE SERVICES",
+        linkPath: "/foreign-exchange-services",
+      },
+      { name: "TRADE SERVICES", linkPath: "/node/166" },
+      { name: "CASH MANAGEMENT SOLUTIONS", linkPath: "/cash-management" },
+      { name: "CORPORATE FINANCE", linkPath: "/corporate-finance" },
+    ],
+  },
+  {
+    name: "GROUP & SUBSIDIARIES",
+    linkPath: "",
+    subItems: [
+      { name: "FCMB GROUP PLC", linkPath: "https://www.fcmbgroup.com/" },
+      {
+        name: "CSL STOCKBROKERS",
+        linkPath: "https://www.cslstockbrokers.com/",
+      },
+      {
+        name: "FCMB CAPITAL MARKETS",
+        linkPath: "https://www.fcmbcapitalmarketsng.com/",
+      },
+      {
+        name: "FCMB ASSET MANAGEMENT",
+        linkPath: "https://www.fcmbassetmanagement.com/index/",
+      },
+      {
+        name: "FCMB MICROFINANCE BANK",
+        linkPath: "/fcmb-microfinance-initiative",
+      },
+      { name: "FCMB UK", linkPath: "http://www.fcmbuk.com/" },
+      {
+        name: "FCMB PENSIONS LIMITED",
+        linkPath: "https://www.fcmbpensions.com/",
+      },
+      {
+        name: "CREDIT DIRECT LIMITED",
+        linkPath: "https://www.creditdirect.ng",
+      },
+      { name: "FCMB TRUSTEES", linkPath: "http://fcmbtrustees.com/" },
+    ],
+  },
+  {
+    name: "ABOUT US",
+    linkPath: "/about-us",
+    subItems: [
+      {
+        name: "OUR VISION/MISSION/VALUES",
+        linkPath: "/about-us/vision-mision-core-values",
+      },
+      { name: "OUR HISTORY", linkPath: "/about-us/our-history" },
+      {
+        name: "INVESTOR RELATIONS",
+        linkPath: "http://www.fcmbgroup.com/investor-relations",
+      },
+      { name: "CSR", linkPath: "/corporate-social-responsibility/index.html" },
+      { name: "SUSTAINABILITY", linkPath: "/sustainability/index.html" },
+      { name: "OUR LEADERSHIP", linkPath: "/about-us/our-leadership" },
+      { name: "BOARD OF DIRECTORS", linkPath: "/about-us/board-of-directors" },
+      {
+        name: "MEDIA RELATIONS",
+        linkPath: "/media-relations",
+        subItems: [
+          { name: "PRESS RELEASES", linkPath: "/press-releases" },
+          { name: "MEDIA STATEMENTS", linkPath: "/press-statements" },
+        ],
+      },
+      { name: "AWARDS AND RECOGNITION", linkPath: "/awards" },
+      {
+        name: "OUR POLICY",
+        linkPath: "/our-policies",
+        subItems: [
+          { name: "BUSINESS CONTINUITY", linkPath: "/business-continuity" },
+          {
+            name: "CORPORATE GOVERNANCE POLICY",
+            linkPath: "/corporate-governance",
+          },
+          { name: "PRIVACY POLICY", linkPath: "/privacy-policy" },
+          { name: "QUALITY POLICY", linkPath: "/quality-policy" },
+        ],
+      },
+    ],
+  },
+  {
+    name: "MY BANK AND I",
+    linkPath: "",
+    subItems: [
+      { name: "TELEPHONE SELF SERVICE", linkPath: "/telephone-self-service" },
+      {
+        name: "CURRENT CAMPAIGNS/PROMOS",
+        linkPath: "/current-campaigns-promos",
+        subItems: [
+          {
+            name: "BOOK YOUR FLIGHTS AND PAY IN INSTALMENTS WITH FCMB",
+            linkPath: "/247travels",
+          },
+          { name: "REFER AND WIN", linkPath: "/refer-and-win" },
+          { name: "CARD DISCOUNTS", linkPath: "/card-discounts" },
+          {
+            name: "FLEXX WRITING CHALLENGE",
+            linkPath: "https://flexxzone.fcmb.com/writing-challenge/",
+          },
+          {
+            name: "FLEXXPRENEUR",
+            linkPath:
+              "https://flexxzone.fcmb.com/2020/07/flexxpreneur-is-back-2/",
+          },
+          {
+            name: "3-MONTH FREE BANKING",
+            linkPath: "https://www.fcmb.com/campaign/smebanking",
+          },
+        ],
+      },
+      { name: "CAREERS", linkPath: "/career" },
+      { name: "CUSTOMER FEEDBACK", linkPath: "/customer-feedback" },
+      { name: "CUSTOMER SERVICE", linkPath: "/customer-service" },
+    ],
+  },
+];
+
 export const socialsIcons = [
   { name: "facebook", image: FBook },
   { name: "twitter", image: Twitter },