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VIRGINIA COMMERCE BANK: Service fees will apply whether the transfer is initiated PREAUTHORIZED TRANSFERS/PAYMENTS we may continue to recognize the authority of your Attorney-in-Fact principal shall maintain access to an account - Written trust accounts are established by a legally enforceable trust agreement, so where Attorney-in-Fact creates RELS Simultaneous Trust Account Attorney-in-Fact as Trustee represents authorized under applicable law and governing accounts of trustee - BANK as Fiduciary assumes no liability for administration of the trust

VIRGINIA COMMERCE BANK: Service fees will apply whether the transfer is initiated PREAUTHORIZED TRANSFERS/PAYMENTS we may continue to recognize the authority of your Attorney-in-Fact principal shall maintain access to an account - Written trust accounts are established by a legally enforceable trust agreement, so where Attorney-in-Fact creates RELS Simultaneous Trust Account Attorney-in-Fact as Trustee represents authorized under applicable law and governing accounts of trustee - BANK as Fiduciary assumes no liability for administration of the trust

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Published by Mary Cochrane
Observation: 'Attorney-in-Fact' Assignment of Mortgage represents transfer of trust account created for sale of real estate owned property and funds in secondary trust created simultaneously the Attorney-in-Fact has access to debit / credit ....ACT AS TRUSTEE.

Virgina Commerce Bank's duty as FIDUCIARY with deposit accounts between Virginia Commerce Bank,(herein referred to as “Bank,” “we,” “our” or “us”) and its clients, the account holder, account signatory and their agents ... CONSUMER's accounts may be accessed by agencies trustees.... e.g. licesned creditor services business agent 'Attorne8-in-Fact' trust account as cotrustee of account in which funds advanced, claims deposited, ...pending settlemeent of sale of real estate owned property and obligations, encumbrance,s of agencies....



FAIR CREDIT REPORTING ACT
You have the right under the Fair Credit Reporting Act to notify us if you believe we
have reported inaccurate information to Consumer Reporting Agencies

Virginia Commerce Bank
Loan Operations Department
PO Box 221405
Chantilly, VA 20153-1405

Virginia Commerce Bank
Attn: Loss Prevention
14201 Sullyfield Circle, Suite 500
Chantilly, VA 20151

LINK CREDIT SERVICES BUSINESS LICENSE
http://www.scribd.com/doc/106023142/Treasurer-of-Virginia-License-Registration-Credit-Services-Business-under-VIRGINIA-DEPARTMENT-OF-AGRICULTURE-AND-CONSUMER-SERVICES-OFFICE-OF-CONSUME

“item” means any check, instrument or a promise
or order to pay money handled by a bank for collection or payment

5. FIDUCIARY. Fiduciary accounts are only available to a court appointed individual acting as
guardian, personal representative, trustee, custodian or conservator. The fiduciary’s capacity
must be designated as such on the signature card. The Bank is authorized to follow the
directions of the fiduciary regarding the account until it receives written notice that the
fiduciary’s authority has been terminated in such a manner as is satisfactory to the Bank and
the Bank has had reasonable time to act upon that notice. The terms of any trust agreement,
court order, or other document under which the account is opened will govern the account,
and the Bank has the right, but not the obligation, to review any such document. The Bank
assumes no liability for the administration of any trust or fiduciary relationship whether or
not the Bank has been provided with a copy of such document, and we shall not be liable
to anyone for the misapplication of funds from an account by an agent, fiduciary, trustee
or custodian. Unless otherwise expressly stated in writing signed by the Bank, through an
authorized signatory, there is no fiduciary relationship between the Bank and the Depositor(s).

6. WRITTEN TRUST. Written trust accounts are established by a legally enforceable trust
agreement. You represent that you are authorized under applicable law and the governing
documents to open the account in the name and manner requested. The Bank will not read
or attempt to interpret these trust documents. The Bank will have no duty to monitor the
accounts of the trustee and assumes no liability for the administration of the trust.

J. ELECTRONIC FUND TRANSFER AGREEMENT & DISCLOSURES
This Agreement governs the transfer of funds initiated through an electronic terminal,
telephone, computer or magnetic tape for the purpose of instructing the Bank to debit or
credit your consumer account(s). This Agreement also contains the disclosures required by
the federal Electronic Fund Transfer Act and Regulation E of the Federal Reserve Board. This
information applies only to electronic fund transfers to or from deposit accounts established
primarily for personal, family or household purposes.
1. ELECTRONIC FUND TRANSFERS. Electronic fund transfers include, but are not limited to,
debit card and ATM transactions, preauthorized deposits and payments, telephone transfers;
transfers initiated through a personal computer and transfe
Observation: 'Attorney-in-Fact' Assignment of Mortgage represents transfer of trust account created for sale of real estate owned property and funds in secondary trust created simultaneously the Attorney-in-Fact has access to debit / credit ....ACT AS TRUSTEE.

Virgina Commerce Bank's duty as FIDUCIARY with deposit accounts between Virginia Commerce Bank,(herein referred to as “Bank,” “we,” “our” or “us”) and its clients, the account holder, account signatory and their agents ... CONSUMER's accounts may be accessed by agencies trustees.... e.g. licesned creditor services business agent 'Attorne8-in-Fact' trust account as cotrustee of account in which funds advanced, claims deposited, ...pending settlemeent of sale of real estate owned property and obligations, encumbrance,s of agencies....



FAIR CREDIT REPORTING ACT
You have the right under the Fair Credit Reporting Act to notify us if you believe we
have reported inaccurate information to Consumer Reporting Agencies

Virginia Commerce Bank
Loan Operations Department
PO Box 221405
Chantilly, VA 20153-1405

Virginia Commerce Bank
Attn: Loss Prevention
14201 Sullyfield Circle, Suite 500
Chantilly, VA 20151

LINK CREDIT SERVICES BUSINESS LICENSE
http://www.scribd.com/doc/106023142/Treasurer-of-Virginia-License-Registration-Credit-Services-Business-under-VIRGINIA-DEPARTMENT-OF-AGRICULTURE-AND-CONSUMER-SERVICES-OFFICE-OF-CONSUME

“item” means any check, instrument or a promise
or order to pay money handled by a bank for collection or payment

5. FIDUCIARY. Fiduciary accounts are only available to a court appointed individual acting as
guardian, personal representative, trustee, custodian or conservator. The fiduciary’s capacity
must be designated as such on the signature card. The Bank is authorized to follow the
directions of the fiduciary regarding the account until it receives written notice that the
fiduciary’s authority has been terminated in such a manner as is satisfactory to the Bank and
the Bank has had reasonable time to act upon that notice. The terms of any trust agreement,
court order, or other document under which the account is opened will govern the account,
and the Bank has the right, but not the obligation, to review any such document. The Bank
assumes no liability for the administration of any trust or fiduciary relationship whether or
not the Bank has been provided with a copy of such document, and we shall not be liable
to anyone for the misapplication of funds from an account by an agent, fiduciary, trustee
or custodian. Unless otherwise expressly stated in writing signed by the Bank, through an
authorized signatory, there is no fiduciary relationship between the Bank and the Depositor(s).

6. WRITTEN TRUST. Written trust accounts are established by a legally enforceable trust
agreement. You represent that you are authorized under applicable law and the governing
documents to open the account in the name and manner requested. The Bank will not read
or attempt to interpret these trust documents. The Bank will have no duty to monitor the
accounts of the trustee and assumes no liability for the administration of the trust.

J. ELECTRONIC FUND TRANSFER AGREEMENT & DISCLOSURES
This Agreement governs the transfer of funds initiated through an electronic terminal,
telephone, computer or magnetic tape for the purpose of instructing the Bank to debit or
credit your consumer account(s). This Agreement also contains the disclosures required by
the federal Electronic Fund Transfer Act and Regulation E of the Federal Reserve Board. This
information applies only to electronic fund transfers to or from deposit accounts established
primarily for personal, family or household purposes.
1. ELECTRONIC FUND TRANSFERS. Electronic fund transfers include, but are not limited to,
debit card and ATM transactions, preauthorized deposits and payments, telephone transfers;
transfers initiated through a personal computer and transfe

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Published by: Mary Cochrane on Sep 15, 2012
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Bank Services Agreement
 
DEPOSITOR’S AGREEMENT FOR ACCOUNTS AT VIRGINIA COMMERCE BANK 
Eective: July 21, 2011 A. General Legal Agreement. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2B. Ownership o Accounts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .21. Individual. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 22. Joint. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 23. Payable On Death (P.O.D) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .34. Uniorm Transers to Minors. . . . . . ..…………………………………35. Fiduciary. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 46. Written Trust. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4C. Rules Applicable to All Accounts………………………………………41. Correction o Errors…………………………………………………42. Provisional Credit. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 43. Missing Endorsements. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .54. Stop Payment. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .55. Deduction o Fees. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .66. Deposits to Account . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 67. Payment o Items…………………………………………………68. Right to Close Account. . . . . . . . . . . . . . . . . .……………………………79. Banking Day…………………………………………………............710. Statements…………………………………………………………711. Forged or Unauthorized Transactions……………………………812. Stale Items. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1013. Right o Seto.……………………………………………………1014. Postdated Items…………………………………………………..1115. Incomplete or Conditional Items. ...………………….................1116. Non-Sufcient Funds/Overdrats………………………………..1117. Overdrat Protection.........................…………………..............1218. Legal Process Against Your Account.………………………….1219. Disputes Concerning Your Account...…………………………1320. Responsibility or Bank’s Expenses....…………………….......1321. Death or Incompetence..…………………..………………….....1322. Delayed Return o Item.....……………………………………….1423. Items Payable Jointly.……………………………………………1424. Relationship o Bank and Depositor....…………………………1425. Preauthorized Demand Drats . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1426. Dual Signatures/Special Purpose Accounts. . . . . . . . . . . . . . . . . . .1427. Power o Attorney..………………………………………………1428. Litigation…………………………………………………………14D. Non-Interest Bearing Accounts.. ………………………………………..14E. Interest Bearing Accounts………………………………………………15F. Certifcates o Deposit………………………………………………......15G. Funds Availability. . . . …………………………………………………….16H. Backup Withholding & Taxpayer Identifcation. .……………………….18I. Bank Secrecy Act. . . . ……………………………………………………..19J. Electronic Fund Transer Agreement & Disclosures……………………19K. Substitute Check Disclosures. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .24L. Fair Credit Reporting Act . . . ……………………………………………… 25M. Unlawul Internet Gambling Enorcement Act………………………..26
 
23
 A. GENERAL LEGAL AGREEMENT
This Depositor’s Agreement governs all deposit accounts between Virginia Commerce Bank,(herein reerred to as “Bank,” “we,” “our” or “us”) and its clients, the account holder, accountsignatory and their agents (whether one or more, herein reerred to as “Depositor,” “you” or“your”). When you open, use or maintain a deposit account with the Bank, you are agreeingto the terms o this Depositor’s Agreement (“Agreement”), as it may be amended rom timeto time and you agree that is a legally binding contract. The terms o this Agreement may beamended rom time to time by the Bank, amendments to this Agreement may be accomplishedwithout written notice to you and you agree to such amendments as the Bank may make tothe Agreement. I the Bank does provide notice such notice may be included in your accountstatement and may state there has been a change in this Agreement and instruct you to pick up a revised Agreement at your local branch. However, in opening, using or maintaining theaccount you agree that the Bank does not have to provide such notice except to have a copyavailable to you within a reasonable period o time ater such request by you. In any event,the use by Depositor or Depositor’s agent(s) o any account maintained at the Bank, theissuance o any check on behal o you, or your making any withdrawal or deposit to theaccount will be proo that Depositor agrees to such amendments as the Bank may maketo this Agreement, rom time to time. Please keep a copy o this Agreement or yourreerence. The use or reerence to titles or headings o paragraphs shall not provide orextend any meaning to the language o the section or paragraph.The schedule o ees, maintenance charges and minimum balance requirements or eachdeposit account is contained in a separate document called the “Schedule o Fees.” TheSchedule, as it may be amended rom time to time, is incorporated herein by reerence. Any waiver o the terms o this Agreement must be in writing and signed by the parties makingthe waiver. Any ailure by the Bank to insist upon the Depositor’s strict perormance o any othe terms o this Agreement shall not be deemed or construed as a waiver o these or anyother terms. Neither party shall, by mere lapse o time, be deemed to have waived any breachby the other party o any terms or provisions o this Agreement. The waiver by either party oany breach shall not aect the right o the Bank to enorce any o its rights with respect toother customers or to enorce any o its rights with respect to later transactions with you andis not sucient to modiy the terms and conditions o this Agreement. I any provision or aportion thereo, o this Agreement or its application to any party or circumstance shall bedeclared void, illegal or unenorceable, the remainder o the provision and the Agreementshall be valid and enorceable to the extent permitted by law, this agreement shall begoverned by the laws o the Commonwealth o Virginia.
B. OWNERSHIP OF ACCOUNTS
The ollowing provisions describe the rules applicable to the various types o deposit accountsavailable. Not all accounts may be available in your area. Please contact a Bank representativeor more inormation. You agree that when you open an account, the titling o the account is proper, and that theBank has no responsibility to inorm you as to how the titling may aect your legal interests. Iyou have any questions as to the legal eects o an account, you should consult with your ownattorney or advisor. You urther agree that you are solely responsible or meeting all othe requirements or establishing and maintaining the type o account you desire and ensuringthat you have properly completed any applicable documents or orms. You agree to sign thedocumentation necessary to create the proper ownership o your account.
1. INDIVIDUAL.
 Any account may be owned by a Depositor individually subject to the termso this Agreement and applicable law. In the Bank’s discretion, you may authorize, or subse-quently ratiy, another person to write checks on the account without granting an ownershipinterest in your account by use o an authorization orm acceptable to the Bank.
2. JOINT.
The co-owners or signatories (terms herein used interchangeably) o a joint accountare those persons who have signed the signature card as joint owners. I your account is in twoor more names (without a duciary, beneciary or other designation), it is a joint account andwe will presume it is a joint account with right o survivorship, subject to applicable state law.Each joint owner hereby appoints the other as his or her agent to deposit, withdraw and con-duct any business on the joint account, instruct us to stop payment on any item drawn on theaccount, add additional joint owners to the account, obtain any and all inormation about theaccount, withdraw all unds, close the joint account, and conduct any and all other businesson the joint account without limit including, but not limited to, pledging or encumbering theaccount. Any joint owner may appoint an attorney-in-act or the account, but we reserve theright to require the consent o all joint owners. Acting as agent, any joint owner can endorse ordeposit a check, drat or other payment order made payable to any other joint owner, or whichall joint owners will be liable. You agree that each joint owner may withdraw or transer, by anymeans the Bank makes available, any or all o the unds on deposit, close the account, place orremove a stop payment order, or create an overdrat in the account (which the Bank may col-lect rom any joint owner). Each joint account Depositor or co-owner shall be jointly and sever-ally liable or all debits, losses, deposits, reversal o credit, or liability associated or involving theaccount, and or all expenses, attorney’s ees and costs incurred by the Bank relating thereto.Each joint owner authorizes the Bank to exercise seto or enorce its security interest in theentire joint account or that owner or signatory even though only one o the joint owners is thedebtor and against all other accounts in which joint account co-owner or signatory, Depositorhas an interest. These rights exist irrespective o who contributes unds to the joint account.The Bank is not bound by the knowledge o, and has no duty to inquire as to the source ounds deposited into the joint account and each joint owner shall have an equal and undividedinterest in the entire account. Any notices, which we are required to send to either jointaccount Depositor, will be deemed adequate i delivered to any co-owner. Upon the death oa joint owner, the account balance is owned by the surviving owner(s), subject to our right toreimbursement rom the account and our right o seto and security interest in the account,and the estate o the deceased joint owner has no interest in the account. I more than one joint owner survives, they will own the account as joint tenants with right o survivorship andnot as tenants in common.
Joint With Survivorship.
I a joint account is either designated or determined to be with theright o survivorship, upon the death o any joint owner, the surviving joint owner shall beentitled to any unds remaining in the account at the time o death. Distribution o the undsupon the death o any joint owner will be subject to the provisions o any applicable state law.
Joint Without Survivorship.
 
I a joint account is either designated or determined to bewithout the right o survivorship, upon the death o any joint owner, that owner’s share inthe account belongs to his or her estate and the surviving joint owner shall be entitled to theremaining unds. Distribution o the unds upon the death o any joint owner will be subject tothe provisions o any applicable state law. The joint account holders agree that until the Bank is satised, in its sole discretion, as to the deceased owner’s share, the Bank may, but is notobligated to, cease paying checks drawn against the account or otherwise pay unds rom theaccount. In the event the Bank is not so satised within 30 days o notication o the passingo the joint account holders as to that owner’s share in the account at the time o death, theco-owners hereby agree that the Bank may, but is not obligated to consider that deceasedco-owner’s share to be in equal parts to the other co-owners, or the Bank may interplead theunds with the Circuit Court or Arlington County, Virginia or such other court o competent jurisdiction, and all cost, expenses and attorney’s ees associated therewith shall be deductedrom the total account balance and should that balance be insucient, each co-owner agreesto be severally and jointly liable thereore.
3. PAYABLE ON DEATH (P.O.D.).
 
 A P.O.D. account is a revocable account held in the nameo one or more persons as owner(s) with one or more persons designated as beneciaries orP.O.D. payees where the relationship is established by the orm o account as designated onthe signature card and not by separate written agreement.During the owner’s lietime, the unds in the account are the property o the owner(s) and theowner(s) can take any proper action with respect to the account or the unds in the accountincluding changing the designated beneciary or P.O.D. payee. You agree that a change inbeneciaries is eective only upon a change to the signature card and that the Bank may relyonly upon such signature card to determine the proper beneciaries. Payment o unds uponan owner’s death shall be in accordance with the signature card and any applicable state law.
4. UNIFORM TRANSFERS TO MINORS
.
An account designated on the signature card as“Uniorm Transers to Minors” or “Uniorm Git to Minors” account shall be governed by appli-cable state law. The signature card shall name a custodian who shall have authority on behalo the minor to make withdrawals rom, deposits to and otherwise transact business in theaccount. No ownership rights or interest in the account is granted to the custodian. The cus-todian must notiy the Bank in writing immediately upon the death o the minor or at the timethe minor attains the age o majority. Beore it receives such notice, the Bank may honor anychecks or drats written on the account without incurring any liability to the minor or any thirdparty and the custodian will be liable to the Bank or any loss or expense it incurs because o

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