Terms and Condit ions-GA
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All rights reserved. Page 11 of 14
You agree that we may verify credit and employment history by any necessary means, including preparation of a credit report
by a credit reporting agency.
(31) Credit Verification
2022 Wolters Kluw er Financial Services, Inc.
TC-GA 6/1/2022
(2206).00
(32) Legal Actions Affecting Your Account
If we are served with a subpoena, restraining order, writ of attachment or execution, levy, garnishment, search warrant, or
similar order relating to your account (termed "legal action" in this section), we will comply with that legal action as required
by applicable law. However, nothing in this agreement shall be construed as a waiver of any rights you may have under
applicable law with regards to such legal action. Subject to applicable law, we may, in our sole discretion, choose to freeze
the assets in the account and not allow any payments or transfers out of the account until there is 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 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will not have any liability to you if there are insufficient funds to pay your items because we have withdrawn funds from your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 to your funds in accordance with the legal action and applicable law. Any fees or
expenses we incur in responding to any legal action (including, without limitation, attorneys' fees, and our internal expenses)
may be charged against your account, unless otherwise prohibited by applicable law. The list of fees applicable to your
account(s) - provided elsewhere - may specify additional fees that we may charge for responding to certain legal actions.
Your Duty to Protect Account Information and Methods of Access.
Our policy may require methods of verifying
your identity before providing you with a service or allowing you access to your account. We can decide what identification is
reasonable under the circumstances. For example, process and identification requirements may vary depending on whether
they are online or in person. Identification may be documentary or physical and may include collecting a fingerprint,
voiceprint, or other biometric information.
(33) Account Security
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 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 substantially
contributed to the loss).
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 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 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 negligence contributed to the loss. Such services include positive pay or
commercially reasonable security procedures. If we offered you a commercially reasonable security 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 procedure that you have selected. The positive pay service can help detect and prevent check
It is your responsibility to protect the account numbers and electronic access devices (e.g., an ATM card) we provide you for
your accounts. You should also safeguard your username, password, and other access and identifying information when
accessing your account through a computer or other electronic, audio, or mobile device or technology. If you give anyone
authority to access the account on your behalf, you should exercise caution and ensure the trustworthiness of that agent. Do
not discuss, compare, or share information about your account numbers with anyone unless you are willing to give them full
use of your 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 check. If you furnish your access device or information
and grant actual authority to make transfers to another person (a family member or coworker, for example) who then exceeds
that authority, you are liable for the transfers unless we have been notified that transfers by that person are no longer
authorized. 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 and order the payment.