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Overdrafts. You understand that we may at our discretion honor withdrawal requests that overdraw your account. So you can NOT rely on us to pay overdrafts on your account regardless of how frequently or under what circumstances we have paid overdrafts on your account in the past. Each of you also agrees to be jointly and severally individually liable for any account shortage resulting from charges or overdrafts whether caused by you or another with access to this account. Terms and Conditions...

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