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The face of the check bears the words "certified" or "accepted," and is signed by an official of the bank or thrift institution issuing the check. The bank will freeze the account to preserve the existing funds until legal action can determine the lawful owner. Loan Proceeds: The net amount of funds that a lending institution disburses under the terms of a loan, and which the borrower then owes. See also Safekeeping and State Safekeeping. A charge assessed by a depository institution for processing transactions and maintaining accounts. It is also known as the right of set-off.

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