We may, at our discretion, refuse recognition or honour of a warrant concerning your account, as far as applicable law allows. We may also require your lawyer to make a sworn statement that has the effect of obtaining the validity of the proxy document and the authority of the lawyer to act under him. If we accept a power of attorney, we may continue to recognize the authority of your lawyer until we obtain an appropriate opportunity to act after notification of your death or written notification of revocation or termination of power. On a case-by-case basis and to the extent permitted by applicable legislation, we reserve the right to restrict the nature or extent of the transactions that we allow your lawyer to manage on your behalf. They agree not to use the transfer system to deal with transactions that violate (i) the sanctions imposed by OFAC, (ii) federal legislation transposing and enforcing the law on the application of illegal online gambling or (iii) other federal laws. Illegal, restricted or prohibited transactions that we recognize and identify may be blocked or denied, shippers or beneficiaries of such transactions may be sanctioned and your account (s) may be closed. You have an additional period after the three calendar-day due date (for deposit accounts of less than 31 days or less) or ten calendar days (for time deposit accounts with maturities of more than 31 days) to withdraw money without penalty. If you close your account during the extra period, you will not receive any interest after the due date. You must contact us within 40 calendar days from the date we sent the replacement cheque or account extract indicating that the replacement cheque was booked into your account (or provided in some way with a means you agreed), too late depending.
We extend this period if, due to exceptional circumstances, you have not been entitled to make a claim in a timely manner. If you apply orally, we may require you to submit your application in writing within 10 business days. If we pay for an NSF item, the amount of the item and the associated overdraft fee will be deducted from your account. As a result, your balance is exceeded and will no longer be paid to pay the following items that could have been paid if we had not paid the NSF item, and additional fees may be incurred as described above. You agree that you will be subject to the provisions of this Agreement and to all the rules, guarantees and compensations provided by the Single Code of Trade and other state or federal laws relating to cheques and deposited goods, regardless of the form (electronic or paper) in which the cheque or item deposited is processed for payment and withdrawal.