The Bank reserves the right to (i) debit your account, under advice, with items credited (and with charges, interest, if any) but subsequently returned unpaid,

In accepting a cheque for deposit, you understand that the Bank shall act as your collecting agent only and that we assume no responsibility or risk for realization of the cheque. We are not obliged to make a credit to your account before receipt of the cleared funds; If we do make a credit to you account before such receipt, we may reverse all or part of the credit (including any applicable interest), make an appropriate entry in your account and require payment from you of an amount corresponding to any debit balance if cleared funds are not received. If any electronic or other payment you have received to your account is recalled, we will debit your account with the amount so recalled, whether or not it goes overdrawn and even if we allowed you to make a payment or to take cash against that item. We will not be responsible for any act, neglect, default, failure or insolvency of any correspondent agent or sub-agent or for losses or delays occuring in the course of collection.

All items for deposit are accepted by the Bank on the understanding that the depositor assumes full responsibility for the genuineness and correctness of all signatures and endorsements appearing thereon.

This receipt is not valid unless it bears the Bank's stamp and is signed by the Bank's official.