1053 In general, a bank's duty of reasonable care in handling the account of a depositor is owed only to the depositor; if a depositor fails to discover within one year that the bank paid forged checks from the depositor's account, the depositor is precluded from asserting the forgeries against the bank in any way, including an action for negligence; an opinion that expresses the view of less than a majority of the members of a court is not precedent. CitationROY v WELLS FARGO (Forged Checks) 39 CA4 1051 [See: Lucas v Hamm 56 C2 583; Bily v Arthur Young 3 C4 370, T/AT 11/92; Kendall Yacht v United 50 CA3 949; Dodd v Citizens 222 CA3 1624; CA UCC 1103, Art 4; Sun'n Sand v United 21 C3 671]
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