We thought we were covered by having a main lobby sign and signs at the desks of account opening personnel, until an auditor asked if we ever opened account relationships for persons who are not present (individuals added to accounts who are not local, customers who become customer's through indirect loan relationships, etc). Since they are not in the office, they don't see the notices. We added the notices to our signature cards and indirect loan applications to cover those bases.
Knowledge is knowing what to say. Wisdom is knowing when to say it.