{"component": "clause", "props": {"groups": [{"snippet": "Notwithstanding and without prejudice to any other terms and conditions herein, the Bank shall be entitled at any time, in its reasonable discretion and with reasonable notice, to amend, vary, withdraw, restrict, suspend or terminate all or any of the facilities in respect of or in relation to the TBS Access Code and/or the TBS. The Bank may, from time to time, in its reasonable discretion, make available through the operation of TBS, such other services and/or facilities as the Bank may deem fit.", "snippet_links": [{"key": "without-prejudice-to-any", "type": "clause", "offset": [20, 44]}, {"key": "other-terms-and-conditions", "type": "clause", "offset": [45, 71]}, {"key": "the-bank-shall", "type": "clause", "offset": [80, 94]}, {"key": "at-any-time", "type": "clause", "offset": [107, 118]}, {"key": "reasonable-discretion", "type": "clause", "offset": [127, 148]}, {"key": "with-reasonable-notice", "type": "clause", "offset": [153, 175]}, {"key": "to-amend", "type": "definition", "offset": [177, 185]}, {"key": "the-facilities", "type": "clause", "offset": [248, 262]}, {"key": "in-respect-of", "type": "clause", "offset": [263, 276]}, {"key": "in-relation-to", "type": "clause", "offset": [280, 294]}, {"key": "tbs-access-code", "type": "definition", "offset": [299, 314]}, {"key": "the-bank-may", "type": "clause", "offset": [331, 343]}, {"key": "from-time-to-time", "type": "clause", "offset": [345, 362]}, {"key": "make-available", "type": "definition", "offset": [394, 408]}, {"key": "operation-of", "type": "definition", "offset": [421, 433]}, {"key": "other-services", "type": "clause", "offset": [444, 458]}], "samples": [{"hash": "zi7kNdvgrx", "uri": "/contracts/zi7kNdvgrx#banks-discretion", "label": "Cardmember Agreement", "score": 36.124584198, "published": true}, {"hash": "9YNcVsYY0hj", "uri": "/contracts/9YNcVsYY0hj#banks-discretion", "label": "Citi Cash Back Cardmember's Agreement", "score": 36.124584198, "published": true}, {"hash": "2XIsfJXXYM5", "uri": "/contracts/2XIsfJXXYM5#banks-discretion", "label": "Citi Travel Account Card Cardmember\u2019s Agreement", "score": 36.1098747253, "published": true}], "size": 245, "hash": "dc9d8639a9d463a51c952d8aa6228282", "id": 1}, {"snippet": "Whenever in this Agreement there is a provision that the Bank may act in a particular way, or that the Bank has the discretion to act, the Bank may act in its sole and unilateral discretion, and the Bank\u2019s decision shall not be subject to challenge.", "snippet_links": [{"key": "in-this-agreement", "type": "clause", "offset": [9, 26]}, {"key": "the-bank-may", "type": "clause", "offset": [53, 65]}, {"key": "discretion-to-act", "type": "clause", "offset": [116, 133]}, {"key": "subject-to", "type": "definition", "offset": [228, 238]}], "samples": [{"hash": "iSSPvAcWKYT", "uri": "/contracts/iSSPvAcWKYT#banks-discretion", "label": "Account Agreement", "score": 35.3440170288, "published": true}, {"hash": "giBjOsGfCRY", "uri": "/contracts/giBjOsGfCRY#banks-discretion", "label": "Account Agreement", "score": 35.3082199097, "published": true}, {"hash": "cciahaIzx7G", "uri": "/contracts/cciahaIzx7G#banks-discretion", "label": "Account Agreement", "score": 35.2929344177, "published": true}], "size": 13, "hash": "5e32311e492320563ab2d5da1c569be4", "id": 3}, {"snippet": "Notwithstanding and without prejudice to any other terms and conditions herein, we shall be entitled at any time, in our reasonable discretion and without notice and without giving any reason, to amend, vary, withdraw, restrict, suspend or terminate all or any of the facilities and services in respect of or in relation to the TBS Access Code and/or the TBS. We may, from time to time, in our reasonable discretion and without notice, make available through the operation of TBS, such other services and/or facilities as we may deem fit.", "snippet_links": [{"key": "without-prejudice-to-any", "type": "clause", "offset": [20, 44]}, {"key": "other-terms-and-conditions", "type": "clause", "offset": [45, 71]}, {"key": "at-any-time", "type": "clause", "offset": [101, 112]}, {"key": "reasonable-discretion", "type": "clause", "offset": [121, 142]}, {"key": "without-notice", "type": "clause", "offset": [147, 161]}, {"key": "any-reason", "type": "clause", "offset": [181, 191]}, {"key": "to-amend", "type": "definition", "offset": [193, 201]}, {"key": "facilities-and-services", "type": "clause", "offset": [268, 291]}, {"key": "in-respect-of", "type": "clause", "offset": [292, 305]}, {"key": "in-relation-to", "type": "clause", "offset": [309, 323]}, {"key": "tbs-access-code", "type": "definition", "offset": [328, 343]}, {"key": "from-time-to-time", "type": "clause", "offset": [368, 385]}, {"key": "make-available", "type": "definition", "offset": [436, 450]}, {"key": "operation-of", "type": "definition", "offset": [463, 475]}, {"key": "other-services", "type": "clause", "offset": [486, 500]}], "samples": [{"hash": "6VCLV6USB9w", "uri": "/contracts/6VCLV6USB9w#banks-discretion", "label": "Customer Agreement", "score": 33.6207008362, "published": true}, {"hash": "beCVOYm1nPk", "uri": "/contracts/beCVOYm1nPk#banks-discretion", "label": "Customer Agreement", "score": 32.626991272, "published": true}, {"hash": "kGrpbCoAFvP", "uri": "/contracts/kGrpbCoAFvP#banks-discretion", "label": "Customer Agreement", "score": 25.9527721405, "published": true}], "size": 63, "hash": "6a181a80f38d1366e8741994b3a5fb26", "id": 2}, {"snippet": "9.1 The Bank is entitled at any time at its absolute discretion to refuse approval of any proposed Transaction notwithstanding that the current balance available in the Account allows for any such proposed Transactions.\n9.2 The Bank is entitled at its absolute discretion to (a) suspend the Cardmember\u2019s right to use the Card entirely or in respect of specified privileges; (b) refuse to re-issue, renew or replace the Card, without in any case affecting the obligations of the Cardmember under these Terms and Conditions which will continue in force and there will be no refund of any annual fee or other fees paid or any part thereof if the right to use the Card is so suspended by the Bank or if the Card is not so renewed or replaced; (c) introduce, amend, vary, restrict or withdraw all or any of the benefits, services, facilities and privileges in respect of or in connection with the use of the Card and/or as provided under these Terms and Conditions.", "snippet_links": [{"key": "the-bank-is-entitled", "type": "clause", "offset": [4, 24]}, {"key": "at-any-time", "type": "clause", "offset": [25, 36]}, {"key": "discretion-to-refuse", "type": "clause", "offset": [53, 73]}, {"key": "approval-of", "type": "definition", "offset": [74, 85]}, {"key": "current-balance", "type": "clause", "offset": [136, 151]}, {"key": "the-account", "type": "clause", "offset": [165, 176]}, {"key": "proposed-transactions", "type": "definition", "offset": [197, 218]}, {"key": "the-cardmember", "type": "clause", "offset": [287, 301]}, {"key": "right-to-use", "type": "clause", "offset": [304, 316]}, {"key": "in-respect-of", "type": "clause", "offset": [338, 351]}, {"key": "replace-the", "type": "clause", "offset": [407, 418]}, {"key": "obligations-of-the", "type": "clause", "offset": [459, 477]}, {"key": "these-terms-and-conditions", "type": "clause", "offset": [495, 521]}, {"key": "continue-in-force", "type": "clause", "offset": [533, 550]}, {"key": "no-refund", "type": "clause", "offset": [569, 578]}, {"key": "annual-fee", "type": "definition", "offset": [586, 596]}, {"key": "fees-paid", "type": "clause", "offset": [606, 615]}, {"key": "the-right", "type": "clause", "offset": [639, 648]}, {"key": "by-the-bank", "type": "clause", "offset": [681, 692]}, {"key": "the-benefits", "type": "clause", "offset": [802, 814]}, {"key": "in-connection-with", "type": "clause", "offset": [869, 887]}, {"key": "use-of-the-card", "type": "clause", "offset": [892, 907]}], "samples": [{"hash": "6kdifOVM2RO", "uri": "/contracts/6kdifOVM2RO#banks-discretion", "label": "Cardmember Agreement", "score": 29.0488758087, "published": true}, {"hash": "hHTgptIXJzr", "uri": "/contracts/hHTgptIXJzr#banks-discretion", "label": "Cardmember Agreement", "score": 27.8108730316, "published": true}, {"hash": "cBy98lvYRA5", "uri": "/contracts/cBy98lvYRA5#banks-discretion", "label": "Cardmember Agreement", "score": 27.4064559937, "published": true}], "size": 6, "hash": "6691986b7ba6e61ddc70ca6bc3dac728", "id": 6}, {"snippet": "10.1 The Bank is entitled, at any time in its absolute discretion by giving reasonable prior notice to the Cardmember to refuse or to approve any proposed Card Transaction notwithstanding that the Current Balance available in the Cardmember\u2019s Account allows for any such proposed Card Transaction upon the occurrence of any of the followings:\n(a) If the Cardmember breaches or threatens to breach any of the terms and conditions of this Agreement; or\n(b) If the Bank believes that the transaction occurred is highly suspicious or suspected to be a fraudulent transaction.", "snippet_links": [{"key": "the-bank-is-entitled", "type": "clause", "offset": [5, 25]}, {"key": "at-any-time", "type": "clause", "offset": [27, 38]}, {"key": "absolute-discretion", "type": "clause", "offset": [46, 65]}, {"key": "the-cardmember", "type": "clause", "offset": [103, 117]}, {"key": "to-approve", "type": "clause", "offset": [131, 141]}, {"key": "card-transaction", "type": "definition", "offset": [155, 171]}, {"key": "current-balance", "type": "clause", "offset": [197, 212]}, {"key": "terms-and-conditions-of-this-agreement", "type": "clause", "offset": [408, 446]}, {"key": "the-transaction", "type": "clause", "offset": [481, 496]}, {"key": "fraudulent-transaction", "type": "definition", "offset": [548, 570]}], "samples": [{"hash": "aXGMUl8L2ek", "uri": "/contracts/aXGMUl8L2ek#banks-discretion", "label": "Terms & Conditions", "score": 33.9313240051, "published": true}, {"hash": "dRxvCqfAXsm", "uri": "/contracts/dRxvCqfAXsm#banks-discretion", "label": "Terms and Conditions", "score": 33.8790779114, "published": true}, {"hash": "1WjdQHn9P15", "uri": "/contracts/1WjdQHn9P15#banks-discretion", "label": "Terms and Conditions", "score": 33.4878692627, "published": true}], "size": 8, "hash": "42100aca0d633fdb88f83c698e8b33ae", "id": 4}, {"snippet": "Notwithstanding and without prejudice to the other provisions of this Agreement, we are entitled at any time in our discretion without giving you any notice or reason, to:\n(a) suspend your right to use the Card entirely or in respect of the Card Transactions; and/or\n(b) introduce, amend, vary, restrict, suspend, terminate or withdraw all or any of the benefits, services, facilities and privileges in respect of or in connection with your Card and/or the use of your Card.", "snippet_links": [{"key": "without-prejudice-to-the-other-provisions-of-this-agreement", "type": "clause", "offset": [20, 79]}, {"key": "at-any-time", "type": "clause", "offset": [97, 108]}, {"key": "our-discretion", "type": "clause", "offset": [112, 126]}, {"key": "any-notice", "type": "clause", "offset": [146, 156]}, {"key": "your-right-to-use", "type": "clause", "offset": [184, 201]}, {"key": "the-card", "type": "clause", "offset": [202, 210]}, {"key": "in-respect-of", "type": "clause", "offset": [223, 236]}, {"key": "card-transactions", "type": "clause", "offset": [241, 258]}, {"key": "the-benefits", "type": "clause", "offset": [350, 362]}, {"key": "in-connection-with", "type": "clause", "offset": [417, 435]}, {"key": "use-of-your-card", "type": "clause", "offset": [457, 473]}], "samples": [{"hash": "baCniP4Otgu", "uri": "/contracts/baCniP4Otgu#banks-discretion", "label": "HSBC Debit Card Cardholder\u2019s Agreement", "score": 26.4757022858, "published": true}, {"hash": "8GohLAlw3ge", "uri": "/contracts/8GohLAlw3ge#banks-discretion", "label": "HSBC Debit Card Cardholder\u2019s Agreement", "score": 26.0841884613, "published": true}, {"hash": "cZvjBjRWdLj", "uri": "/contracts/cZvjBjRWdLj#banks-discretion", "label": "HSBC Debit Card Cardholder\u2019s Agreement", "score": 25.7022590637, "published": true}], "size": 4, "hash": "83bde28bb0dd02aa49c22ad689cffaf1", "id": 8}, {"snippet": "Notwithstanding anything to the contrary contained herein, Bank is not obligated to finance any Eligible Accounts. Bank and Borrower hereby acknowledge and agree that Bank\u2019s agreement to finance Eligible Accounts hereunder is discretionary in each instance. Accordingly, there shall not be any recourse to Bank, nor liability of Bank, on account of any delay in Bank\u2019s making of, and/or any decline by Bank to make, any loan or advance requested hereunder. In addition, this Agreement may be terminated by Borrower or Bank at any time.", "snippet_links": [{"key": "notwithstanding-anything-to-the-contrary-contained", "type": "clause", "offset": [0, 50]}, {"key": "eligible-accounts", "type": "clause", "offset": [96, 113]}, {"key": "acknowledge-and-agree", "type": "clause", "offset": [140, 161]}, {"key": "agreement-to-finance", "type": "clause", "offset": [174, 194]}, {"key": "to-bank", "type": "definition", "offset": [303, 310]}, {"key": "liability-of-bank", "type": "clause", "offset": [316, 333]}, {"key": "by-bank", "type": "clause", "offset": [399, 406]}, {"key": "any-loan", "type": "clause", "offset": [416, 424]}, {"key": "in-addition", "type": "clause", "offset": [457, 468]}, {"key": "agreement-may-be-terminated", "type": "clause", "offset": [475, 502]}, {"key": "by-borrower", "type": "clause", "offset": [503, 514]}, {"key": "at-any-time", "type": "clause", "offset": [523, 534]}], "samples": [{"hash": "6OrEmp92B1H", "uri": "/contracts/6OrEmp92B1H#banks-discretion", "label": "Loan and Security Agreement (GigOptix, Inc.)", "score": 21.3203277588, "published": true}, {"hash": "lf84w1J3vIt", "uri": "/contracts/lf84w1J3vIt#banks-discretion", "label": "Loan and Security Agreement (Cimetrix Inc)", "score": 21.0, "published": true}, {"hash": "kK01eTuzcF6", "uri": "/contracts/kK01eTuzcF6#banks-discretion", "label": "Loan and Security Agreement (Cognigen Networks Inc)", "score": 21.0, "published": true}], "size": 6, "hash": "2f90439b46eb03bfc82afca1d022503f", "id": 7}, {"snippet": "Whenever pursuant to this Agreement, Bank exercises any right given to Bank to approve or disapprove, or any arrangement or term is to be satisfactory to Bank, the decision of Bank to approve or disapprove or to decide whether arrangements or terms are satisfactory or not satisfactory shall (except as is otherwise specifically herein provided) be in the sole and absolute discretion of Bank and shall be final and conclusive.", "snippet_links": [{"key": "pursuant-to-this-agreement", "type": "clause", "offset": [9, 35]}, {"key": "to-bank", "type": "definition", "offset": [68, 75]}, {"key": "to-approve", "type": "clause", "offset": [76, 86]}, {"key": "the-decision", "type": "clause", "offset": [160, 172]}, {"key": "not-satisfactory", "type": "definition", "offset": [269, 285]}, {"key": "sole-and-absolute-discretion", "type": "definition", "offset": [356, 384]}, {"key": "final-and-conclusive", "type": "clause", "offset": [406, 426]}], "samples": [{"hash": "eMXggWYq7zg", "uri": "/contracts/eMXggWYq7zg#banks-discretion", "label": "Loan Agreement (City Office REIT, Inc.)", "score": 34.6262817383, "published": true}, {"hash": "bjjsngSbORn", "uri": "/contracts/bjjsngSbORn#banks-discretion", "label": "Loan Agreement (City Office REIT, Inc.)", "score": 34.6262817383, "published": true}, {"hash": "akzdQqiVfWR", "uri": "/contracts/akzdQqiVfWR#banks-discretion", "label": "Loan Agreement (City Office REIT, Inc.)", "score": 27.6885700226, "published": true}], "size": 3, "hash": "64a6a58adaf2a7545f701177a1c1a0ae", "id": 10}, {"snippet": "7.1 The Bank is entitled, at any time in its absolute discretion and without giving prior notice or reason, to refuse to approve any proposed Card Transaction or ATM Card Transaction notwithstanding that the Card Limit(s) would not be exceeded.\n7.2 The Bank is entitled, in its absolute discretion without prior notice and without giving any reason, to:\n(a) suspend the Cardmember\u2019s right to use the Card entirely or in respect of specific facilities or transactions; and/or\n(b) refuse to re-issue, renew or replace the Card, without, in any case, affecting the obligations of the Cardmember under this Agreement which will continue in force and there will be no refund of any annual fees or other fees paid if the right to use the Card is so suspended by the Bank or if the Card is not so renewed or replaced.\n7.3 Without prejudice to other provisions of this Agreement, the Bank reserves the right, at any time, in its absolute discretion and without prior notice and without giving any reason, to introduce, amend, vary, restrict or withdraw all or any of the benefits, services, facilities and privileges in respect of or in connection with the use of the Card and/or this Agreement.", "snippet_links": [{"key": "the-bank-is-entitled", "type": "clause", "offset": [4, 24]}, {"key": "at-any-time", "type": "clause", "offset": [26, 37]}, {"key": "absolute-discretion", "type": "clause", "offset": [45, 64]}, {"key": "to-approve", "type": "clause", "offset": [118, 128]}, {"key": "atm-card-transaction", "type": "definition", "offset": [162, 182]}, {"key": "without-prior-notice", "type": "clause", "offset": [298, 318]}, {"key": "any-reason", "type": "clause", "offset": [338, 348]}, {"key": "the-cardmember", "type": "clause", "offset": [366, 380]}, {"key": "right-to-use", "type": "clause", "offset": [383, 395]}, {"key": "in-respect-of", "type": "clause", "offset": [417, 430]}, {"key": "specific-facilities", "type": "definition", "offset": [431, 450]}, {"key": "replace-the", "type": "clause", "offset": [508, 519]}, {"key": "obligations-of-the", "type": "clause", "offset": [562, 580]}, {"key": "continue-in-force", "type": "clause", "offset": [624, 641]}, {"key": "no-refund", "type": "clause", "offset": [660, 669]}, {"key": "annual-fees", "type": "clause", "offset": [677, 688]}, {"key": "fees-paid", "type": "clause", "offset": [698, 707]}, {"key": "the-right", "type": "clause", "offset": [711, 720]}, {"key": "by-the-bank", "type": "clause", "offset": [753, 764]}, {"key": "without-prejudice-to", "type": "clause", "offset": [815, 835]}, {"key": "other-provisions-of-this-agreement", "type": "clause", "offset": [836, 870]}, {"key": "the-bank-reserves", "type": "clause", "offset": [872, 889]}, {"key": "the-benefits", "type": "clause", "offset": [1059, 1071]}, {"key": "in-connection-with", "type": "clause", "offset": [1126, 1144]}, {"key": "use-of-the-card", "type": "clause", "offset": [1149, 1164]}], "samples": [{"hash": "dsejxbyb1w6", "uri": "/contracts/dsejxbyb1w6#banks-discretion", "label": "Debit Cardmember Agreement", "score": 28.860502243, "published": true}, {"hash": "fKNDNYeLji7", "uri": "/contracts/fKNDNYeLji7#banks-discretion", "label": "Debit Cardmember Agreement", "score": 25.0301170349, "published": true}], "size": 8, "hash": "4cc18bce7f79cf63062a2208644d7e56", "id": 5}, {"snippet": "7.1. The Bank is entitled, at any time in its absolute discretion and without giving prior notice or reason, to refuse to approve any such proposed Card Transaction notwithstanding that the Credit Limit would not be exceeded, if the amount of such Card Transaction was debited thereto.\n7.2. The Bank is entitled, in its absolute discretion, without prior notice and without giving any reason, to:\n(a) Suspend the Cardmember\u2019s right to use the Card entirely or in respect of specific facilities whereupon all debit balance to the Card will be due and payable immediately on such payment due date as may be stipulated by the Bank; and/or\n(b) Refuse to re-issue, renew or replace the Card, without, in any case, affecting the obligations of the Cardmember under this Agreement which will continue in force, and there will be no refund of any annual fees or other fees paid if the right to use the Card is so suspended by the Bank or if the Card is not renewed or replaced.\n7.3. Without prejudice to other provisions in this Agreement, the Bank reserves the right, at any time, in its absolute discretion and without prior notice and without giving any reason, to introduce, amend, vary, restrict or withdraw all or any of the benefit, services, facilities and privileges in respect of or in connection with the use of the Card and/or this Agreement.\n7.4. The Bank is entitled to pay the credit balance (if any) on the Card Account to the Cardmember (or to the Cardmember\u2019s executer(s) or administrator(s) in the event of the Cardmember\u2019s death) and shall not be obligated to enquire about the beneficial rights to such funds. In addition, any benefits such as reward points will terminate Cardmember\u2019s upon death.", "snippet_links": [{"key": "at-any-time", "type": "clause", "offset": [27, 38]}, {"key": "absolute-discretion", "type": "clause", "offset": [46, 65]}, {"key": "to-approve", "type": "clause", "offset": [119, 129]}, {"key": "card-transaction", "type": "definition", "offset": [148, 164]}, {"key": "the-credit-limit", "type": "clause", "offset": [186, 202]}, {"key": "without-prior-notice", "type": "clause", "offset": [341, 361]}, {"key": "any-reason", "type": "clause", "offset": [381, 391]}, {"key": "the-cardmember", "type": "clause", "offset": [409, 423]}, {"key": "right-to-use", "type": "clause", "offset": [426, 438]}, {"key": "in-respect-of", "type": "clause", "offset": [460, 473]}, {"key": "specific-facilities", "type": "definition", "offset": [474, 493]}, {"key": "debit-balance", "type": "clause", "offset": [508, 521]}, {"key": "due-and-payable", "type": "clause", "offset": [542, 557]}, {"key": "payment-due-date", "type": "definition", "offset": [578, 594]}, {"key": "by-the-bank", "type": "clause", "offset": [616, 627]}, {"key": "replace-the", "type": "clause", "offset": [669, 680]}, {"key": "obligations-of-the", "type": "clause", "offset": [723, 741]}, {"key": "continue-in-force", "type": "clause", "offset": [785, 802]}, {"key": "no-refund", "type": "clause", "offset": [822, 831]}, {"key": "annual-fees", "type": "clause", "offset": [839, 850]}, {"key": "fees-paid", "type": "clause", "offset": [860, 869]}, {"key": "the-right", "type": "clause", "offset": [873, 882]}, {"key": "without-prejudice-to", "type": "clause", "offset": [975, 995]}, {"key": "other-provisions", "type": "definition", "offset": [996, 1012]}, {"key": "in-this-agreement", "type": "clause", "offset": [1013, 1030]}, {"key": "the-bank-reserves", "type": "clause", "offset": [1032, 1049]}, {"key": "the-benefit", "type": "definition", "offset": [1219, 1230]}, {"key": "in-connection-with", "type": "clause", "offset": [1285, 1303]}, {"key": "use-of-the-card", "type": "clause", "offset": [1308, 1323]}, {"key": "to-pay", "type": "clause", "offset": [1373, 1379]}, {"key": "credit-balance", "type": "definition", "offset": [1384, 1398]}, {"key": "the-card-account", "type": "clause", "offset": [1411, 1427]}, {"key": "in-the-event-of", "type": "definition", "offset": [1502, 1517]}, {"key": "beneficial-rights", "type": "definition", "offset": [1590, 1607]}, {"key": "in-addition", "type": "clause", "offset": [1623, 1634]}, {"key": "reward-points", "type": "definition", "offset": [1657, 1670]}, {"key": "upon-death", "type": "clause", "offset": [1699, 1709]}], "samples": [{"hash": "bRAwuyL1BFJ", "uri": "/contracts/bRAwuyL1BFJ#banks-discretion", "label": "Credit Card Agreement", "score": 30.1318588257, "published": true}, {"hash": "VcUlmnES6", "uri": "/contracts/VcUlmnES6#banks-discretion", "label": "Credit Card Agreement", "score": 24.6317596436, "published": true}], "size": 4, "hash": "7bbdf69de43f86b68278bf1a5ce26bde", "id": 9}], "next_curs": "ClkSU2oVc35sYXdpbnNpZGVyY29udHJhY3RzcjULEhZDbGF1c2VTbmlwcGV0R3JvdXBfdjU2IhliYW5rcy1kaXNjcmV0aW9uIzAwMDAwMDBhDKIBAmVuGAAgAA==", "clause": {"title": "BANK\u2019S DISCRETION", "parents": [["general", "GENERAL"], ["us-laws-and-regulations", "U.S. Laws and Regulations"], ["miscellaneous", "Miscellaneous"], ["exclusion-of-rights-of-third-parties", "Exclusion of Rights of Third Parties"], ["loan-and-terms-of-payment", "Loan and Terms of Payment"]], "size": 404, "children": [], "id": "banks-discretion", "related": [["lenders-discretion", "Lender\u2019s Discretion", "Lender\u2019s Discretion"], ["agents-discretion", "Agent\u2019s Discretion", "Agent\u2019s Discretion"], ["discretion", "Discretion", "Discretion"], ["county-discretion", "COUNTY Discretion", "COUNTY Discretion"], ["administrator-discretion", "Administrator Discretion", "Administrator Discretion"]], "related_snippets": [], "updated": "2025-07-10T05:58:13+00:00", "also_ask": ["What limits should be placed on the bank\u2019s discretion to prevent abuse or arbitrariness?", "How can parties negotiate objective standards or triggers for the exercise of discretion?", "What drafting language best protects against the clause being struck down as void for uncertainty?", "How do courts in relevant jurisdictions interpret and enforce bank discretion clauses?", "What are the most common risks or pitfalls for borrowers and lenders in these provisions?"], "drafting_tip": "Specify the limits of the bank\u2019s discretion to prevent arbitrary decisions; require objective criteria to ensure fairness; mandate written notice for transparency.", "explanation": "The 'Bank\u2019s Discretion' clause grants the bank the authority to make decisions or take certain actions at its own judgment within the scope of the agreement. In practice, this may allow the bank to determine whether to approve transactions, set or change terms, or interpret ambiguous provisions, often without needing the customer's consent. This clause is primarily used to give the bank flexibility and control in managing its relationship with the customer, ensuring it can respond to changing circumstances or risks as it sees fit."}, "json": true, "cursor": ""}}