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To ensure that your check or share draft is processed without delay,you must indorse it(sign it on the back)in a specific area.Your entire Indorsement(whether a signature or a
<br /> stamp)along with any other Indorsement Information(e g additional Indorsements,ID Information,driver's license number,etc)must fall within 11h"of the"trailing edge"of a check
<br /> Indorsements must be made in blue or black ink,so that they are readable by automated check processing equipment.
<br /> As you look at the front of a check,the"trailing edge"is the left edge.When you flip the check over,be sure to keep all indorsement information within 11h"of that edge.
<br /> YOUR INDORSEMENT MUST
<br /> BE WITHIN THIS AREA
<br /> Name 7654
<br /> Address,City,State 20
<br /> Pay to the
<br /> order of $
<br /> dollars f 1 112"�; Keep your indorsement
<br /> Bank Name out of this area.
<br /> and Location
<br /> Memo
<br /> is&234567891: 7654
<br /> FRONT OF CHECK BACK OF CHECK
<br /> TRAILING EDGE
<br /> It is important that you confine the indorsement information to this area since the remaining blank space will be used by others in the processing of the check to place additional
<br /> needed indorsements and information. You agree that you will indemnify, defend, and hold us harmless for any loss, liability, damage or expense that occurs because your
<br /> indorsement,another indorsement or information you have printed on the back of the check obscures our indorsement
<br /> These indorsement guidelines apply to both personal and business checks
<br /> DEATH OR INCOMPETENCE-You agree to notify us promptly if any person with a right to withdraw funds from your account(s) dies or is adjudicated (determined by the
<br /> appropriate official)incompetent.We may continue to honor your checks,items,and instructions until:(a)we know of your death or adjudication of incompetence,and(b)we have
<br /> had a reasonable opportunity to act on that knowledge.You agree that we may pay or certify checks drawn on or before the date of death or adjudication of incompetence for up to
<br /> ten(10)days after your death or adjudication of incompetence unless ordered to stop payment by someone claiming an interest in the account.
<br /> FIDUCIARY ACCOUNTS-Accounts may be opened by a person acting in a fiduciary capacity.A fiduciary is someone who is appointed to act on behalf of and for the benefit of
<br /> another We are not responsible for the actions of a fiduciary, including the misuse of funds.This account may be opened and maintained by a person or persons named as a
<br /> trustee under a written trust agreement,or as executors,administrators,or conservators under court orders You understand that by merely opening such an account,we are not
<br /> acting in the capacity of a trustee in connection with the trust nor do we undertake any obligation to monitor or enforce the terms of the trust or letters
<br /> CREDIT VERIFICATION -You agree that we may verify credit and employment history by any necessary means, including preparation of a credit report by a credit reporting
<br /> agency
<br /> LEGAL ACTIONS AFFECTING YOUR ACCOUNT-If we are served with a subpoena, restraining order,writ of attachment or execution, levy,garnishment, search warrant, or
<br /> similar order relating to your account(termed"legal action"in this section),we will comply with that legal action.Or,in our discretion,we may freeze the assets in the account and
<br /> not allow any payments out of the account until a final court determination regarding the legal action.We may do these things even if the legal action involves less than all of you In
<br /> these cases,we will not have any liability to you if there are insufficient funds to pay your items because we have withdrawn funds from your account or in any way restricted access
<br /> to your funds in accordance with the legal action.Any fees or expenses we incur in responding to any legal action (including,without limitation,attorneys'fees and our internal
<br /> expenses)may be charged against your account The list of fees applicable to your account(s)provided elsewhere may specify additional fees that we may charge for certain legal
<br /> actions
<br /> ACCOUNT SECURITY-
<br /> Duty to protect account information and methods of access-It is your responsibility to protect the account numbers and electronic access devices(e.g., an ATM card)we
<br /> provide you for your account(s). Do not discuss, compare, or share information about your account number(s)with anyone unless you are willing to give them full use of your
<br /> money An account number can be used by thieves to issue an electronic debit or to encode your number on a false demand draft which looks like and functions like an authorized
<br /> check.If you furnish your access device and grant actual authority to make transfers to another person(a family member or coworker,for example)who then exceeds that authority,
<br /> you are liable for the transfers unless we have been notified that transfers by that person are no longer authorized.
<br /> Your account number can also be used to electronically remove money from your account,and payment can be made from your account even though you did not contact us directly
<br /> and order the payment.
<br /> You must also take precaution in safeguarding your blank checks Notify us at once if you believe your checks have been lost or stolen As between you and us,if you are negligent
<br /> in safeguarding your checks,you must bear the loss entirely yourself or share the loss with us(we may have to share some of the loss if we failed to use ordinary care and If we
<br /> substantially contributed to the loss).
<br /> Positive pay and other fraud prevention services-Except for consumer electronic fund transfers subject to Regulation E,you agree that if we offer you services appropriate for
<br /> your account to help identify and limit fraud or other unauthorized transactions against your account,and you reject those services,you will be responsible for any fraudulent or
<br /> unauthorized transactions which could have been prevented by the services we offered.You will not be responsible for such transactions if we acted in bad faith or to the extent our
<br /> negligence contributed to the loss. Such services include positive pay or commercially reasonable security procedures If we offered you a commercially reasonable security
<br /> procedure which you reject, you agree that you are responsible for any payment order, whether authorized or not, that we accept in compliance with an alternative security
<br /> procedure that you have selected The positive pay service can help detect and prevent check fraud and is appropriate for account holders that issue-a high volume of checks,a lot
<br /> of checks to the general public,or checks for large dollar amounts.
<br /> TELEPHONIC INSTRUCTIONS-Unless required by law or we have agreed otherwise in writing,we are not required to act upon instructions you give us via facsimile transmission
<br /> or leave by voice mail or on a telephone answering machine.
<br /> MONITORING AND RECORDING TELEPHONE CALLS AND CONSENT TO RECEIVE COMMUNICATIONS-Subject to federal and state law,we may monitor or record phone
<br /> calls for security reasons,to maintain a record and to ensure that you receive courteous and efficient service You consent in advance to any such recording.
<br /> To provide you with the best possible service in our ongoing business relationship for your account we may need to contact you about your account from time to time by telephone,
<br /> text messaging or email However,we first obtain your consent to contact you about your account in compliance with applicable consumer protection provisions in the federal
<br /> Telephone Consumer Protection Act of 1991 (TCPA),CAN-SPAM Act and their related federal regulations and orders issued by the Federal Communications Commission(FCC)
<br /> • Your consent is limited to your account,and as authorized by applicable law and regulations.
<br /> • Your consent is voluntary and not conditioned on the purchase of any product or service from us
<br /> With the above understandings,you authorize us to contact you regarding your account throughout its existence using any telephone numbers or email addresses that you have
<br /> previously provided to us by virtue of an existing business relationship or that you may subsequently provide to us
<br /> This consent is regardless of whether the number we use to contact you is assigned to a landline,a paging service,a cellular wireless service,a specialized mobile radio service,
<br /> other radio common carrier service or any other service for which you may be charged for the call You further authorize us to contact you through the use of voice,voice mail and
<br /> text messaging,including the use of pre-recorded or artificial voice messages and an automated dialing device.
<br /> If necessary,you may change or remove any of the telephone numbers or email addresses at any time using any reasonable means to notify us.
<br /> CLAIM OF LOSS-If you claim a credit or refund because of a forgery,alteration,or any other unauthorized withdrawal,you agree to cooperate with us in the investigation of the
<br /> loss,including giving us an affidavit containing whatever reasonable information we require concerning your account,the transaction,and the circumstances surrounding the loss.
<br /> You will notify law enforcement authorities of any criminal act related to the claim of lost,missing,or stolen checks or unauthorized withdrawals.We will have a reasonable period of
<br /> time to investigate the facts and circumstances surrounding any claim of loss. Unless we have acted in bad faith, we will not be liable for special or consequential damages,
<br /> including loss of profits or opportunity,or for attorneys'fees incurred by you.
<br /> You agree that you will not waive any rights you have to recover your loss against anyone who is obligated to repay, insure,or otherwise reimburse you for your loss.You will
<br /> pursue your rights or,at our option,assign them to us so that we may pursue them.Our liability will be reduced by the amount you recover or are entitled to recover from these
<br /> other sources.
<br /> EARLY WITHDRAWAL PENALTIES(and involuntary withdrawals)-We may impose early withdrawal penalties on a withdrawal from a time account even if you don't initiate the
<br /> withdrawal.For instance,the early withdrawal penalty may be imposed if the withdrawal is caused by our setoff against funds in the account or as a result of an attachment or other
<br /> legal process.We may close your account and impose the early withdrawal penalty on the entire account balance in the event of a partial early withdrawal See your notice of
<br /> penalty for early withdrawals for additional information.
<br /> ©2019 Wolters Kluwer Financial Services,Inc All rights reserved
<br /> TC-BRO-CN 8/1/2019 TCM-53ac 201600423-010 Page 4 of 5
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