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| 5 thing to know about "check 21"... |
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| A new federal law known as Check 21 will go into effect late 2004. The legislation primarily affects financial institutions and their back-office operations, however, you may notice a few changes with your checks. |
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| 1. Checks are still popular, secure, and an easy form of payment. In fact, Check 21 enhances the importance of checks as a payment option. |
| 2. Checks will be even more efficient than in the past. Check 21 will accelerate the check-clearing process to improve accuracy for record keeping. |
| 3. Check 21 will not change the way you write or cash checks. |
| 4. Your original check may not be returned to you. Instead, an electronic image or substitute check may be created that is the legal equivalent of an original check. |
| 5. Check 21 will improve the ability to detect and prevent check fraud faster, making the checks you use even safer. |
| FOR MORE INFORMATION ABOUT CHECK 21 AND WHAT IT MEANS TO YOU, PLEASE CONTACT YOUR FINANCIAL INSTITUTION. |
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