Steven had a joint checking account with his mother at City National Bank. Amid January and May 1990 a number of checks were supposedly forged on the account. Steven asked City National to recredit the account for the amount of the checks, however the bank refused. In March 1992 Steven filed a lawsuit against the bank. City National filed a motion to discharge claiming that the suit was barred because Steven didn't file it within a year of City National's making available to Steven the bank statements that reflected the forged checks. Steven claimed that the only requirement was that he inform the bank of any unauthorized signatures within a year. How must the court rule?