Kirkpatrick Bank is authorized to mail periodic
statements of this Account and returnable items by ordinary mail to the address
provided by you. If such mail is returned as undeliverable, Kirkpatrick
Bank may hold further statements and items until called for by you.
You are responsible for examining statements and contents carefully. If
statement or contents contain any errors, forgeries, unauthorized withdrawals,
or some other discrepancy exists, you are responsible for promptly notifying
Kirkpatrick Bank in writing within a reasonable period of time not to exceed 30
calendar days (60 days in case of ACH items) You cannot assert an
unauthorized withdrawal or error against Kirkpatrick Bank unless such
notification is made. You are responsible for notifying Kirkpatrick Bank
in writing of changes in address and name.
