Common use of Your Checking Account Clause in Contracts

Your Checking Account. a. Checks You Write on Your Account, Completion of Checks & Your Check Register. When you write a check drawn on your account, in addition to writing in your payee’s name and completing the numerical and written amount sections of the check and signing your name, it is also important that you draw a line after both the payee’s name and after the written amount sections of the check in order to protect yourself against alterations or forged endorsements. Also when completing date, payee and amount lines on your check, always begin by writing the information at the start of the far left side of these lines to avoid leaving any spaces: this will protect you from your check being altered. Once you have completed a check you should write the check number, amount, date and payee’s name, and purpose for writing the check in your check register, and deduct the amount of the check from the balance in your account. This helps you to keep track of the current balance that you have in your account, and allows you to detect and report checks with alterations and forged drawer’s signatures. Please use dark permanent ink (preferably black ink) to complete your checks. You agree that you are responsible for any losses incurred with respect to your checks because you fail to use a dark permanent ink when writing your checks. You should also keep your checks in a secure location and separate from your picture identification. If the account is a multiple owner account each owner may sign, issue and endorse checks in the other owner(s) name. You agree that if you write a check that you authorize us to pay that check and that such payment is proper, regardless of whether you completed or signed the check. You understand and agree that it is your obligation to review your periodic statement and report any unauthorized amounts or unauthorized checks or other transactions on your account. You can determine an unauthorized amount because the amount on the statement does not match the amount you recorded on your check register. Similarly, you can detect forged drawer’s signature on checks or counterfeit checks because there is a check number on your statement for a check that you did not write. You understand and agree that you only have thirty-one (31) calendar days from the mailing date of your statement to notify us of alterations to the amount of the check and of checks with forged drawer’s signatures, or we will not be able to recredit your account for the unauthorized amount or the check.

Your Checking Account. a. Checks You Write on Your Account, Completion of Checks & Checks, and Your Check Register. When you write a check drawn on your account, in addition to writing in your payee’s name and completing the numerical and written amount sections of the check and signing your name, it is also important that you draw a line after both the payee’s name and after the written amount sections of the check in order to protect yourself against alterations or forged endorsements. Also Also, when completing the date, payee payee, and amount lines on your check, always al- ways begin by writing the information at the start of the far left side of these lines to avoid leaving any spaces: ; this will protect you from your check being altered. Once you have completed a check check, you should write the check number, amount, date date, and payee’s name, name and purpose for writing the check in your check register, and deduct the amount of the check from the balance in your account. This helps you to keep track of the current balance that you have in your account, and allows you to detect and report checks with alterations and forged drawer’s signatures. Please use dark permanent ink (preferably black ink) to complete your checks. You agree that you are responsible for any losses incurred with respect to in- curred for your checks because you fail to do not use a dark permanent ink when writing your checks. You should also keep your checks in a secure location and separate from your picture identification. If the account is a multiple owner account account, each owner may sign, issue issue, and endorse checks in the other owner(s) owner’s name. You agree that if you write a check that check, you authorize are ordering us to pay that check and that such payment is proper, regardless of whether you completed com- pleted or signed the your check. You understand and agree that it is your obligation to review your periodic statement and report any unauthorized amounts or unauthorized unau- thorized checks or other transactions on your account. You can determine an unauthorized amount amount, because the amount on the statement does not match the amount you recorded on your check register. Similarly, you can detect forged drawer’s signature signa- tures on checks, counterfeit checks, and unauthorized remotely created checks or counterfeit checks drafts, because there is a check number on your statement for a check that you did not write. You understand and agree that you only have thirty-one thirty (3130) calendar days from the mailing date of your statement to notify us of alterations to the amount of the check and of a check, checks with forged drawer’s signatures, coun- terfeit checks, or unauthorized remotely created checks, or we will not be able to recredit credit your account for the unauthorized amount or of the check.

Your Checking Account. a. Checks You Write on Your Account, Completion of Checks & Checks, and Your Check Register. When you write a check drawn on your account, in addition to writing in your payee’s name and completing the numerical and written amount sections of the check and signing your name, it is also important that you draw a line after both the payee’s name and after the written amount sections of the check in order to protect yourself against alterations or forged endorsements. Also when completing date, payee and amount lines on your check, always begin by writing the information in at the start of the far left side of these lines to avoid leaving any spaces: this will protect you from your check being altered. Once you have completed a check you should write the check number, amount, date and date, payee’s name, and purpose for writing the check in your check register, and deduct the amount of the check from the balance in your account. This helps you to keep track of the current balance that you have in your account, and allows you to detect and report checks with alterations and forged drawer’s signatures. Please use dark permanent ink (preferably black ink) to complete your checks. You agree that you are responsible for any losses incurred with respect to for your checks because you fail to do not use a dark permanent ink when writing your checks. You should also keep your checks in a secure location and separate from your picture identification. If the account is a multiple owner account each owner may sign, issue issue, and endorse checks in the other owner(s) name. You agree that if you write a check that you authorize are ordering us to pay that check and that such payment is proper, regardless of whether you completed or signed the your check. You understand and agree that it is your obligation to review your periodic statement and report any unauthorized amounts or unauthorized checks or other transactions on your account. You can determine an unauthorized amount because the amount on the statement does not match the amount you recorded on your check register. Similarly, you can detect forged drawer’s signature on checks, counterfeit checks and unauthorized remotely created checks or counterfeit checks drafts, because there is a check number num- ber on your statement for a check that you did not write. You understand and agree that you only have thirty-one thirty (3130) calendar days from the mailing date of your statement to notify us of alterations to the amount of the check and of checks with forged drawer’s signatures, counterfeit checks or unauthorized remotely created checks, or we will not be able to recredit credit your account for the unauthorized amount or the check.

Your Checking Account. a. Checks You Write on Your Account, Completion of Checks & Your Check Register. When you write a check drawn on your account, in addition to writing in your payee’s name and completing the numerical and written amount sections of the check and signing your name, it is also important that you draw a line after both the payee’s name and after the written amount sections of the check in order to protect yourself against alterations or forged endorsements. Also Also, when completing date, payee and amount lines on your check, always begin by writing the information in at the start of the far left side of these lines to avoid leaving any spaces: this will protect you from your check being altered. Once you have completed a check you should write the check number, amount, date and date, payee’s name, name and purpose for writing the check in your check register, and deduct the amount of the check from the balance in your accountregister or records. This helps you to keep track of the current balance that you have in your accountaccount to avoid insufficient funds problems (or overdraft fees), and allows you to detect and report checks with alterations and forged drawer’s signatures. Please use dark permanent ink (preferably black ink) to complete and sign your checks. You agree that you are responsible for any losses incurred with respect to for your checks because you fail to do not use a dark permanent ink when writing completing and signing your checks. You should also keep your checks in a secure location and separate from your picture identificationidentification where they can easily be accessed by people you live, associate or work with (or stolen by persons unknown). If the account is a has multiple owner account representatives and/or signers each owner may sign, issue and endorse checks in the other owner(s) oth- er’s or the account owner’s name. You agree understand that if you write a check that you authorize are ordering us to pay that check and that such payment is proper, regardless of whether you completed or signed the check. You understand and To limit your responsibility for losses, you agree that it is your obligation to review your periodic statement and report any unauthorized amounts or unauthorized checks or other transactions on your account. You can determine an unauthorized amount amount, because the amount of the check on your statement (or if accessing your account online, the statement amount of the check online) does not match the amount of the check you recorded on in your check registerregister or records. Similarly, you can detect forged drawer’s signature signatures on checks, counterfeit checks and unauthorized remotely created checks or counterfeit checks drafts, because there is a check number on your statement (or if accessing your account online, a check number for or image of a check on your ac- count online) for a check that you did not write. You understand and agree that you only have thirty-one thirty (3130) calendar days from the mailing date of your statement (or post- ing of your statement online) to notify us of alterations to the amount of the check and of a check, checks with forged drawer’s signatures, counterfeit checks or unauthorized remotely created checks, or we will not be able to recredit credit your account for the unauthorized amount or of the check. If we allow you to use or place a two or more signature requirement on your checks for your own internal control purposes with representatives, signers, employees, family members, friends or other persons you authorize to access your account or services (under this Agreement or otherwise), you agree that it is your responsibility to manage your internal control affairs with all persons you authorize and that we may pay a check with only one authorized signature or by any person authorized by you under this Agreement. You understand that we have only allowed you to use or place a two or more signature requirement with respect to your checks because you are in the best position to address your own internal control affairs with the persons you have authorized, and because you have agreed to take responsibility for and address the matter to recover any loss that occurs from a breach of this requirement.

Your Checking Account. a. Checks You Write on Your Account, Completion of Checks & Checks, and Your Check Register. When you write a check drawn on your account, in addition to writing writ- ing in your payee’s name and completing the numerical and written amount sections of the check and signing your name, it is also important im- portant that you draw a line after both the payee’s name and after the written amount sections of the check in order to protect yourself against alterations or forged endorsements. Also when completing date, payee and amount lines on your check, always begin by writing the information in at the start of the far left side of these lines to avoid leaving any spaces: this will protect you from your check being alteredal- tered. Once you have completed a check you should write the check number, amount, date and date, payee’s name, and purpose for writing writ- ing the check in your check register, and deduct the amount of the check from the balance in your account. This helps you to keep track of the current balance that you have in your account, and allows you to detect and report checks with alterations and forged drawer’s signatures. Please use dark permanent ink (preferably black ink) to complete your checks. You agree that you are responsible for any losses incurred with respect to in- curred for your checks because you fail to do not use a dark permanent ink when writing your checks. You should also keep your checks in a secure location and separate from your picture identification. If the account is a multiple owner account each owner may sign, issue is- xxx, and endorse checks in the other owner(s) name. You agree that if you write a check that you authorize are ordering us to pay that check and that such payment is proper, regardless of whether you completed com- pleted or signed the your check. You understand and agree that it is your obligation to review your periodic statement and report any unauthorized amounts or unauthorized unau- thorized checks or other transactions on your account. You can determine an unauthorized amount because the amount on the statement does not match the amount you recorded on your check register. Similarly, you can detect forged drawer’s signature on checks, counterfeit checks and unauthorized remotely created checks or counterfeit checks drafts, because there is a check number on your statement for a check that you did not write. You understand and agree that you only have thirty-one thirty (3130) calendar days from the mailing mail- ing date of your statement to notify us of alterations to the amount of the check and of checks with forged drawer’s signatures, coun- terfeit checks or unauthorized remotely created checks, or we will not be able to recredit credit your account for the unauthorized amount or the check.

Your Checking Account. a. Checks You Write on Your Account, Completion of Checks & Your Check Register. When you write a check drawn on your account, in addition to writing in your payee’s name and completing the numerical and written amount sections of the check and signing your name, it is also important that you draw a line after both the payee’s name and after the written amount sections of the check in order to protect yourself against alterations or forged endorsements. Also Also, when completing date, payee and amount lines on your check, always begin by writing the information in at the start of the far left side of these lines to avoid leaving any spaces: this will protect you from your check being altered. Once you have completed a check you should write the check number, amount, date and date, payee’s name, name and purpose for writing the check in your check register, and deduct the amount of the check from the balance in your accountregister or records. This helps you to keep track of the current balance that you have in your accountaccount to avoid insufficient funds problems (or overdraft fees), and allows you to detect and report checks with alterations and forged drawer’s signatures. Please use dark permanent ink (preferably pref- erably black ink) to complete and sign your checks. You agree that you are responsible for any losses incurred with respect to for your checks because you fail to do not use a dark permanent ink when writing completing and signing your checks. You should also keep your checks in a secure location and separate from your picture identificationidentification where they can easily be accessed by people you live, associate or work with (or stolen by persons unknown). If the account is a has multiple owner account representatives and/or signers each owner may sign, issue and endorse checks in the other owner(s) other’s or the account owner’s name. You agree understand that if you write a check that you authorize are ordering us to pay that check and that such payment is proper, regardless of whether you completed or signed the check. You understand and To limit your responsibility for losses, you agree that it is your obligation ob- ligation to review your periodic statement and report any unauthorized unau- thorized amounts or unauthorized checks or other transactions on your account. You can determine an unauthorized amount because amount, be- cause the amount of the check on your statement (or if accessing your account online, the statement amount of the check online) does not match the amount of the check you recorded on in your check registerregis- ter or records. Similarly, you can detect forged drawer’s signature signa- tures on checks, counterfeit checks and unauthorized remotely created checks or counterfeit checks drafts, because there is a check number on your statement (or if accessing your account online, a check number for or image of a check on your account online) for a check that you did not write. You understand and agree that you only have thirty-one thirty (3130) calendar days from the mailing date of your statement (or posting of your statement online) to notify us of alterations al- terations to the amount of the check and of a check, checks with forged drawer’s signatures, counterfeit checks or unauthorized remotely created checks, or we will not be able to recredit credit your account for the unauthorized unau- thorized amount or of the check. If we allow you to use or place a two or more signature requirement on your checks for your own internal control purposes with repre- sentatives, signers, employees, family members, friends or other persons you authorize to access your account or services (under this Contract or otherwise), you agree that it is your responsibility to manage your internal control affairs with all persons you authorize and that we may pay a check with only one authorized signature or by any person authorized by you under this Contract. You under- stand that we have only allowed you to use or place a two or more signature requirement with respect to your checks because you are in the best position to address your own internal control affairs with the persons you have authorized, and because you have agreed to take responsibility for and address the matter to recover any loss that occurs from a breach of this requirement.

Your Checking Account. a. A. Checks You Write on Your Account, Completion of Checks & Your Check Register. Register When you write a check drawn on your account, in addition to writing in your payee’s name and completing the numerical and written amount sections of the check and signing your name, it is also important that you draw a line after both the payee’s name and after the written amount sections of the check in order to protect yourself against alterations or forged endorsements. Also when completing date, payee and amount lines on your check, always begin by writing the information at the start of the far left side of these lines to avoid leaving any spaces: this will protect you from your check being altered. Once you have completed a check you should write the check number, amount, date and payee’s name, and purpose for writing the check in your check register, and deduct the amount of the check from the balance in your account. This helps you to keep track of the current balance that you have in your account, and allows you to detect and report checks with alterations and forged drawer’s signatures. Please use dark permanent ink (preferably black ink) to complete your checks. You agree that you are responsible for any losses incurred with respect to your checks because you fail to use a dark permanent ink when writing your checks. You should also keep your checks in a secure location and separate from your picture identification. If the account is a multiple owner account each owner may sign, issue and endorse checks in the other owner(s) name. You agree that if you write a check that you authorize us to pay that check and that such payment is proper, regardless of whether you completed or signed the check. You understand and agree that it is your obligation to review your periodic statement and report any unauthorized amounts or unauthorized checks or other transactions on your account. You can determine an unauthorized amount because the amount on the statement does not match the amount you recorded on your check register. Similarly, you can detect forged drawer’s signature on checks or counterfeit checks because there is a check number on your statement for a check that you did not write. You understand and agree that you only have thirty-one (31) calendar days from the mailing date of your statement to notify us of alterations to the amount of the check and of checks with forged drawer’s signatures, or we will not be able to recredit re-credit your account for the unauthorized amount or the check.

Your Checking Account. a. Checks You Write on Your Account, Completion of Checks & Your Check Register. When you write a check drawn on your account, in addition to writing in your payee’s name and completing the numerical and written amount sections of the check and signing your name, it is also important that you draw a line after both the payee’s name and after the written amount sections of the check in order to protect yourself against alterations or forged endorsements. Also Also, when completing the date, payee and amount lines on your check, always begin by writing the information at the start of the far left side of these lines to avoid leaving any spaces: ; this will protect you from your check being altered. Once you have completed a check check, you should write the check number, amount, date and date, payee’s name, name and purpose for writing the check in your check register, and deduct the amount of the check from the balance in your account. This helps you to keep track of the current balance that you have in your accountaccount to avoid insufficient funds problems (or overdraft fees), and allows you to detect and report checks with alterations and forged drawer’s signatures. Please use dark permanent ink (preferably black ink) to complete and sign your checks. You agree that you are responsible for any losses incurred with respect to for your checks because you fail to do not use a dark permanent ink when writing completing and signing your checks. You should also keep your checks in a secure location and separate from your picture identificationidentification where they can easily be accessed by people you live, associate or work with (or stolen by persons unknown). If the account is a multiple owner account ac- count, each owner and signer may sign, issue and endorse checks in the other owner(s) own- er’s name. You agree understand that if you write a check that check, you authorize are ordering us to pay that check and that such payment is proper, regardless of whether you completed or signed the your check. You understand and To limit your responsibility for losses, you agree that it is your obligation to review your periodic statement and report any unauthorized amounts or unauthorized checks or other transactions on your account. You can determine an unauthorized amount because the amount of the check on your statement (or if accessing your account online, the statement amount of the check online) does not match the amount of the check you recorded on in your check register. Similarly, you can detect forged drawer’s signature signatures on checks, counterfeit checks and unauthorized remotely created checks or counterfeit checks drafts, because there is a check number on your statement (or if accessing your account online, a check number for or image of a check on your account online) for a check that you did not write. You understand and agree that you only have thirty-one thirty (3130) calendar days from the mailing date of your statement (or posting of your statement online) to notify us of alterations to the amount of the check and of a check, checks with forged drawerdraw- er’s signatures, counterfeit checks or unauthorized remotely created checks, or we will not be able to recredit credit your account for the unauthorized amount or of the check. If we allow you to use or place a two or more signature requirement on your checks for your own internal control purposes with your family members, friends, employees or other persons you authorize to access your account or services (under this Agreement or otherwise), you agree that it is your responsibility to manage your in- ternal control affairs with all persons you authorize and that we may pay a check with only one authorized signature or by any person authorized by you under this Agree- ment. You understand that we have only allowed you to use or place a two or more signature requirement with respect to your checks because you are in the best posi- tion to address your own internal control affairs with the persons you have author- ized, and because you have agreed to take responsibility for and address the matter to recover any loss that occurs from a breach of this requirement.

Your Checking Account. a. Checks You Write on Your Account, Completion of Checks & Your Check Register. When you write a check drawn on your account, in addition to writing in your payee’s name and completing the numerical and written amount sections of the check and signing your name, it is also important that you draw a line after both the payee’s name and after the written amount sections of the check in order to protect yourself against alterations or forged endorsements. Also Also, when completing the date, payee and amount lines on your check, always begin by writing the information at the start of the far left side of these lines to avoid leaving any spaces: ; this will protect you from your check being altered. Once you have completed a check check, you should write the check number, amount, date and date, payee’s name, name and purpose for writing the check in your check register, and deduct the amount of the check from the balance in your account. This helps you to keep track of the current balance that you have in your accountaccount to avoid insufficient funds problems (or overdraft fees), and allows you to detect and report checks with alterations and forged drawer’s signatures. Please use dark permanent ink (preferably black ink) to complete and sign your checks. You agree that you are responsible for any losses incurred with respect to for your checks because you fail to do not use a dark permanent ink when writing completing and signing your checks. You should also keep your checks in a secure location and separate from your picture identificationidentification where they can easily be accessed by people you live, associate or work with (or stolen by persons unknown). If the account is a multiple owner account ac- count, each owner and agent may sign, issue and endorse checks in the other owner(s) own- er’s name. You agree understand that if you write a check that check, you authorize are ordering us to pay that check and that such payment is proper, regardless of whether you completed or signed the your check. You understand and To limit your responsibility for losses, you agree that it is your obligation to review your periodic statement and report any unauthorized amounts or unauthorized checks or other transactions on your account. You can determine an unauthorized amount because the amount of the check on your statement (or if accessing your account online, the statement amount of the check online) does not match the amount of the check you recorded on in your check register. Similarly, you can detect forged drawer’s signature signatures on checks, counterfeit checks and unauthorized remotely created checks or counterfeit checks drafts, because there is a check number on your statement (or if accessing your account online, a check number for or image of a check on your account online) for a check that you did not write. You understand and agree that you only have thirty-one thirty (3130) calendar days from the mailing date of your statement (or posting of your statement online) to notify us of alterations to the amount of the check and of a check, checks with forged drawerdraw- er’s signatures, counterfeit checks or unauthorized remotely created checks, or we will not be able to recredit credit your account for the unauthorized amount or of the check. If we allow you to use or place a two or more signature requirement on your checks for your own internal control purposes with your family members, friends, employees or other persons you authorize to access your account or services (under this Agreement or otherwise), you agree that it is your responsibility to manage your in- ternal control affairs with all persons you authorize and that we may pay a check with only one authorized signature or by any person authorized by you under this Agree- ment. You understand that we have only allowed you to use or place a two or more signature requirement with respect to your checks because you are in the best posi- tion to address your own internal control affairs with the persons you have author- ized, and because you have agreed to take responsibility for and address the matter to recover any loss that occurs from a breach of this requirement.

Your Checking Account. a. Checks You Write on Your Account, Completion of Checks & Checks, and Your Check Register. When you write a check drawn on your account, in addition to writing in your payee’s name and completing the numerical and written amount sections of the check and signing your name, it is also important that you draw a line after both the payee’s name and after the written amount sections of the check in order to protect yourself against alterations or forged endorsements. Also Also, when completing the date, payee payee, and amount lines on your check, always begin by writing the information at the start of the far left side of these lines to avoid leaving any spaces: ; this will protect you from your check being altered. Once you have completed a check check, you should write the check number, amount, date date, and payee’s name, name and purpose for writing the check in your check register, and deduct the amount of the check from the balance in your account. This helps you to keep track of the current balance that you have in your account, and allows you to detect and report checks with alterations and forged drawer’s signatures. Please use dark permanent ink (preferably black ink) to complete your checks. You agree that you are responsible for any losses incurred with respect to for your checks because you fail to do not use a dark permanent ink when writing your checks. You should also keep your checks in a secure location and separate from your picture identification. If the account is a multiple owner account account, each owner may sign, issue issue, and endorse checks in the other owner(s) owner’s name. You agree that if you write a check that check, you authorize are ordering us to pay that check and that such payment is proper, regardless of whether you completed or signed the your check. You understand and agree that it is your obligation to review your periodic statement and report any unauthorized amounts or unauthorized checks or other transactions on your account. You can determine an unauthorized amount amount, because the amount on the statement does not match the amount you recorded on your check register. Similarly, you can detect forged drawer’s signature signatures on checks, counterfeit checks, and unauthorized remotely created checks or counterfeit checks drafts, because there is a check number on your statement for a check that you did not write. You understand and agree that you only have thirty-one thirty (3130) calendar days from the mailing date of your statement to notify us of alterations to the amount of the check and of a check, checks with forged drawer’s signatures, counterfeit checks, or unauthorized remotely created checks, or we will not be able to recredit credit your account for the unauthorized amount or of the check.