DEBITING MY ACCOUNT. You may debit my account(s) for all cheques, bills of exchange or other instruments and any authorized debit transactions, whether electronic, voice response, written or otherwise, and may carry out any of my instructions in connection with my account(s). You may charge and debit my account(s), whether single or jointly owned, for any debt I owe to you, whether it is a joint or sole liability. Should any instruments received by you for my account(s) be lost or stolen or otherwise disappear from any cause, other than your negligence, you may charge them to my account(s).
DEBITING MY ACCOUNT. You may debit my account(s) for all cheques, bills of exchange or other instruments and any authorized debit transactions, whether electronic, voice response, written or otherwise, and may carry out any of my instructions in connection with my account(s). You may charge and debit my account(s), whether single or jointly owned, for any debt I owe to you, whether it is a joint or sole liability. Should any instruments received by you for my account(s) be lost or stolen or otherwise disappear from any cause, other than your negligence, you may charge them to my account(s). I acknowledge and agree that you will not be responsible to examine or assure yourself of the regularity or validity of any endorsement or signature appearing on any cheque or other instrument. I agree that you will not be responsible for any claims relating to the regularity or validity of any endorsement or signature made by me or any third party. 15.