POPE, Chief Judge.
Plaintiff, Phyllis E. Karrer, appeals the trial court's grant of summary judgment to defendant, Georgia State Bank of Rome (Bank).
On August 24, 1989, Karrer and her adult son opened a joint checking account with the Bank. At the time the account was opened, Karrer and her son signed a signature card/account agreement, which specified the terms and conditions of the account relationship. One of
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