ON APPLICATION FOR REHEARING
KENNEDY, Justice.
The Court's original opinion of August 23, 1991, is withdrawn, and the following opinion is substituted therefor.
On April 24, 1985, Henry Howle converted a checking account at AmSouth Bank in Cullman, Alabama, into a joint checking account, adding the name of Opal Gorham to the account. Both Henry Howle and Opal Gorham signed the signature card. Henry Howle was given a copy of the bank rules and regulations...
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