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In the diagram, where is the effort?
Substitute Check
A digital reproduction of an original check that has the same legal standing for purposes of clearing.
Consumer
Someone who buys or leases real estate, goods, or services for personal, family, or household purposes.
Good Faith
A principle emphasizing honesty and sincerity in dealings, particularly in legal contracts or negotiations, without any intention to deceive or commit fraud.
Depositary Bank
A financial institution that holds securities for investors, managing dividend and interest payments.
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