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In Response To:
Thread Starter: Compli(cated)
Title: Re: Excessive Transaction - Third Notice

Just a thought, but why not include it in the new savings accounts disclosures/agreement that the account can be converted to a checking account due to excessive transactions even without the customer signing new signature cards. Or that the customer will be required to sign new ones the next time they come in after the conversion, if that's the route you want to take. Then you would still need to give them new disclosures, but would not need to worry about the signatures.