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<br />Requests. You may initiate a Request only if the offsetting debit to your account, <br />including the available line of credit, will not cause you to exceed the account balance <br />according to your records. If your records and ours disagree regarding the account <br />balance, our records will control for purposes of our processing the Request. <br /> <br />You are obligated to pay us the amount of any Request once we act on, other than to <br />reject, your Request. At our discretion, we may at any time without notice require <br />payment before we process your Request. Even if we have done so in the past, we are <br />not obligated to process any Request without having first been paid by you, but, if we do, <br />the amount is immediately due and payable without notice or demand. <br /> <br />Prior to initiating any wire transfer Request to debit an account of a third party, you must <br />provide us with documents, in a form acceptable to us, evidencing the third party's <br />authorization. <br /> <br />You will pay us for the amount of any returned or rejected debit transactions, or any <br />adjustments, which we previously credited to your account. <br /> <br />If, for any Business Day, we receive more than one Request and/or other items payable <br />from your account, we may debit your account for such Requests and items in any <br />sequence we determine in our sole discretion. <br /> <br />ACTING ON REQUESTS <br />We will use any means of transmission, funds transfer system, clearing house or <br />intermediary bank we reasonably select to transfer funds. <br /> <br />After we receive a Request by the applicable processing deadline (as specified in the <br />applicable User Documentation), but no later than the value date stated in your Request <br />(if such date is not earlier than the day such Request is received), we will act upon such <br />Request by making applicable accounting entries or by transmitting payment instructions <br />to the applicable bank or other party. If applicable, our acting on your Request will also <br />be subject to the business day schedule of any of our banking centers or affiliates <br />holding an account to be debited or credited under a Service. We may treat Requests we <br />receive after a deadline as if we received them on the next Business Day. International <br />Electronic Funds Transfers will be deemed received by us when we receive the complete <br />electronic data file at the location specified in the applicable User Documentation. <br /> <br />REJECTION OF REQUESTS <br />We may reject any Request which does not comply with the requirements of this Booklet <br />or the applicable User Documentation, including any processing limits described in such <br />User Documentation, or which we have been unable to verify through use of the Security <br />Procedure. We also may reject any Request which exceeds the Collected and Available <br />Funds (including funds made available under a line of credit) on deposit with us in the <br />applicable account. We may also reject any Request if it may be returned for any reason <br />under the applicable national payment system rules of the receiving country of your <br />transaction. Notice of rejection is given to you by telephone, by electronic means, by <br />facsimile or by mail. Notices of rejection will be effective when given. <br /> <br />, <br /> <br />I <br /> <br />III <br />