We may refuse, at our discretion, to recognize or exercise powers with respect to your account, to the extent permitted by applicable law. We may also ask your lawyer to make an affidavit that confirms the validity of the power of attorney document and the power of the actual lawyer to act accordingly. If we accept a warrant, we may continue to recognize the power of your lawyer until we have an appropriate opportunity and have the opportunity to act after being informed of your death or written notice of revocation or termination of the mandate. On a case-by-case basis and to the extent permitted by applicable law, we reserve the right to limit the nature or extent of the transactions we authorize to your attorney on your behalf. We accept transfers to your account (credits) and offer transfer services that allow you to send transfers from your account (direct debits); However, we reserve the right to refuse transfers into or out of your account for any reason. Transfers are subject to applicable state and federal laws and regulations (including, for example, Article 4A of the Uniform Commercial Code) and all rules applicable at the time of transfer, which govern the use of a system through which funds may be transferred, including, for example, Federal Reserve Board Regulation J (in the case of a Fedwire transfer), SWIFT and the clearing House Interbank Payments System (CHIPS). In addition, international transfers for consumers are subject to Federal Regulation E, which fulfills the objectives of the Electronic Money Transfer Act. They are also bound by our applicable credit transfer agreement, as it is in effect (“transfer agreement”), the terms of which are incorporated by reference into this agreement. You agree that you are responsible for checking an updated copy of our transfer agreement before initiating a transfer. You can obtain a copy of our transfer agreement at one of our branches or through FC DIRECT (see section “Banking Contacts” – Part F for telephone details). Transaction fees for PIN-based transactions initiated with your Visa debit card may be incurred and are set out in our product and fee disclosure under any account type. We do not charge a transaction fee for non-PIN-based transactions, unless they are made outside of the United States.

Money. You acknowledge and acknowledge that whether we pay or refuse an NSF item and return it without pay, the service fee we collect for the NSF item is a service fee that is collected in connection with the management of your checking account and is in part intended to discourage NSF items. . . .