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The U.C.C. establishes that contracting parties may vary U.C.C. terms by contract: The effect of the provisions of this article may be varied by agreement, but the parties to the agreement cannot disclaim a bank's responsibility for its lack of good faith or failure to exercise ordinary care or limit the measure of damages for the lack or failure. However, the parties may determine by agreement the standards by which the bank's responsibility is to be measured if those standards are not manifestly unreasonable.

''[T]he relationship between a bank and a depositor is a contractual relationship that is governed  by the written ...