Introduction
The Affidavit of Signature Verification is a document used to authenticate a person's signature.
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This is particularly relevant in banking and corporate transactions where a signature provided on a cheque or a contract does not perfectly match the specimen signature on file (e.
g.
, due to rush, stress, or slight variations).
Bank Requirements
Banks often freeze accounts or dishonor cheques if the signature is "irregular.
" To resolve this, the account holder must swear this affidavit, providing a fresh specimen of their signature within the document itself.
This acts as a legal confirmation that the previous "irregular" signature was indeed theirs and provides a new baseline for future comparisons.
Legal Effect
It protects the bank or institution from liability.
By accepting the affidavit, the bank is indemnified against claims of forgery, as the account holder has sworn under oath that they authorized the transactions or that the signature belongs to them.
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