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- We reformat and transmit your payment order to another bank, and we have no duty to do so if your request is defective, incomplete, erroneous or inconsistent with the terms of this Booklet. We may act on your Multibank instructions as we reasonably consider appropriate notwithstanding any error, omission, defect or lack of clarity in its terms and even if the instructions appear to duplicate other Multibank requests. You agree that your indemnity of us, as set forth in the "Protection From Third Parties" section of this Booklet., applies to any claims by another bank based on our sending a Multibank instl1lction containing any error, omission, defect or lack of clarity. If you wish to cancel or amend a payment order set forth in a Multibank instl1lction, you must contact the bank to which the payment order is directed and act in accordance with its procedures. Reports on Multibank instmctions which we have processed will be included in an Information Reporting Service which you have arranged to use. COMPLIANCE WITH RULES AND LAWS You agree to comply with all applicable payment system rules, including the national payment system rules and any other applicable laws and regulations of the receiving country of your transaction. You also agree to comply with the authorization and notice requirements applicable to any Request to debit another person's account. AUTHORIZED PERSONS Before using a Wire Transfer or International Electronic Funds Transfer Selvice, you give us a written list., in a form acceptable to us, of the persons authorized by you to perform certain duties in connection with such Service. SECURITY PROCEDURE You agree to use a Service in accordance with the relevant Security Procedure, if any. The purpose of the Security Procedure is to verify the authenticity of Requests delivered to us in your name and not to detect errors in the transmission or content of Requests. You represent and warrant each time you use a Wire Tl'ansfer or International Electronic Funds Transfer Service that, in view of your requirements, the Security Procedure is a satisfactory method of verifying the authenticity of Requests. You agree that we may act on Requests, even if they are unauthorized, ifwe act in good faith and comply with the applicable Security Procedure and any written agreement with you restricting our action on Requests. In such cases, we may enforce or retain your payment to us for such Requests; provided, however, we may not enforce or retain payment if you prove that the unauthorized Requests were not caused by a person (i) entrusted at any time to act for you with respect to Requests or the applicable Security Procedure, (ii) who obtained access to your premises, computer equipment or transmitting facilities or (iii) who obtained, from a source controlled by you, information (such as keys and passwords) which facilitated breach of the applicable Security Procedure. ACCOUNr DEBITS You must have Collected and Available Funds in your account which, when added to funds which may be made available under a line of credit, are sufficient to cover your Requests. You may initiate a Request only if the offsetting debit to your account., including the available line of credit., will not cause you to exceed the account balance according to your records. If your records and ours disagree regarding the account balance, our records will control for purposes of our processing the Request. AD-AG-0455B (2004-2) 40