Common use of OTHER PROVISIONS AND GOVERNING LAW Clause in Contracts

OTHER PROVISIONS AND GOVERNING LAW. Neither this agreement nor the use of the card or other electronic access in connection with any instrument shall affect or impair in any manner your obligation with respect to or under any other agreement or instrument endorsed by or drawn on your account. The authorized use of a card at any terminal location or transfer of funds by means of other electronic access, pursuant to your instruction to withdraw or transfer funds from any individual or joint account with us, shall operate as your consent to withdraw or transfer funds from such account under the terms of the applicable account agreements and all rules and regulations governing such accounts. Any overdrafts created against your account may be paid by charging such amount to any other account. This Agreement represents our complete agreement with you relating to our Internet and electronic account access. No other statement, oral, or written unless otherwise noted is part of this Agreement. This agreement shall be governed by the laws of the state of Ohio except to the extent Federal Law is applicable. Any omission or delay by us in exercising our rights hereunder shall not constitute a waiver of those rights. If any part of this Agreement is unenforceable, it will not make any other part unenforceable. PREAUTHORIZED PAYMENTS – AUTOMATED CLEARING HOUSE (ACH)