General Terms Regarding Account Ownership, Agents, and Beneficiary Designation for Sample Clauses

General Terms Regarding Account Ownership, Agents, and Beneficiary Designation for. All Accounts 1. These rules apply to your accounts depending on the form of ownership and beneficiary designation, if any, specified on the account records. We reserve the right to refuse some forms of ownership on any or all of our accounts. We may also refuse to open an account or add an additional owner or beneficiary for any reason, or otherwise refuse to do business with an individual. We make no representations as to the appropriateness or effect of the ownership and beneficiary designation, except as they determine to whom we pay the account funds. You may open an account either by yourself, referred to as an “individual account,” or with another person or persons, referred to as a “joint account.” 2. We may rely solely on our records to determine the form of ownership of your account. We may presume that any person named in addition to you in our records for your account owns the funds in your account with you as a joint owner, unless our records indicate that the person has some other relationship to the account. Ownership for all accounts will be established and determined by the most recent application for services or other document(s) evidencing such account(s). A different form of ownership may be established by executing a new application for services and a new account number may be assigned. 3. If you want to change your account in any way, you must properly complete additional forms provided by us, which shall not be effective until delivered to and accepted by us. We are authorized to rely solely on the documentation we have in our possession. On behalf of yourself, your beneficiaries, and your heirs, you hereby agree to indemnify us and hold us harmless from any and all liability upon our reliance on such documentation. 4. The word “owner(s)” on an application for services or in this Membership Agreement means the owner in the case of an individual account, trust account or estate account, and it means the owners (both as an individual and as a group) in the case of a joint account.
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