Common use of Cheques Clause in Contracts

Cheques. 8.1 Cheques may not be drawn on the Bank except on the forms supplied by us and registered for each Account. Applications for new cheque books should be made on the printed application form or in any other way that we may prescribe or permit from time to time. Any new cheque book(s) may be sent to you at the Bank’s discretion by post (whether by ordinary or registered mail), courier or in any other manner we deem appropriate at your cost and risk (including the risk of disclosure of any information concerning the Account arising thereby). 8.2 We may accept foreign currency cheques for clearing in the manner prevailing for the acceptance of such cheques as we may determine from time to time. Your Account will be credited with the proceeds of such cheques only after the cheque is honoured and the Bank has deducted fees, taxes and charges related to the clearing of the cheques and after converting the amount from the currency of the cheque to the currency of the Account. All adjustments based on exchange rates, bank commission, stamp duty and other charges upon clearance of the cheques and all risks connected with the clearing including but not limited to exchange rate movement shall be for your Account. 8.3 Foreign currency cheques and other financial instruments received for collection will only be credited to your Account after we receive payment of the proceeds. 8.4 Cheques drawn on local banks are only cleared on a designated Clearing Day, which must be a Business Day. 8.5 Cheques drawn on local banks are credited when deposited but cannot be drawn against until the proceeds have been received into the Account. We will debit the Account if such cheques are dishonoured. 8.6 Clauses 8.3, 8.4 and 8.5 shall apply to all cheque deposits placed with us whether over the counter or through any other means. 8.7 You hereby authorize the Bank to debit your Account with any amount that was credited in respect of cheques or other instruments that are subsequently dishonoured or returned unpaid. 8.8 Cheques or financial instruments deposited by you and dishonoured or which cannot be processed by us for any reason may be returned by ordinary mail to your account mailing address at your own risk and expense. You will also be notified by ordinary mail of any returned items, where the original cheque or instrument is in the form of an IRD. 8.9 We may refuse to accept any cheque or financial instrument for deposit. This includes any cheque on which the payee’s name is not identical with that of the customer and any cheque made payable to a corporation, firm, partnership, limited liability partnership, society, association, trade union, institution or other business concern for credit to a personal Account. 8.10 We may refuse to pay cash if the payee is a corporate entity even though the word “bearer” is not cancelled and the cheque is not a crossed or “A/C Payee” cheque. 8.11 We reserve the right to charge for issuing cheques and cheque books at our prevailing rates. 8.12 We may refuse to act on stop payment instructions unless we receive, on a business day, a written request signed by any signatory(ies) of the Account or a verbal request from any signatory(ies) of the Account subject to our verifying the identity of the person(s) making the request. Stop payment on cheques will be processed based on the cheque number(s), the amount of the cheque and the payee of the cheque. 8.13 Stop payment instructions will be valid for such period as we determine from the date on which we receive your verbal or written instructions. Any charges will be debited from your Account regardless of whether your stop payment instruction was processed successfully. 8.14 You agree not to make use of any stamps or seals or other instruments in drawing cheques, or other forms of withdrawals, or in communications with us without first notifying us and entering into such arrangements as we may require. We may (but are not obliged to) verify any stamps or seals or other instruments against your specimen stamps or seals or other instruments. If you or any person acting on your behalf make use of any stamps or seals or other instruments in drawing cheques, or other forms of withdrawals, or in communications with us in breach of these Terms and Conditions, we may, without notice to you, refuse to honour or pay such cheques or requests for withdrawals or disregard such communications. We will not be liable in any way for any loss arising from honouring, paying or relying on such cheques, requests or communications and/or failing or refusing to honour, pay or rely on such cheques, requests or communications.

Cheques. 8.1 a. Cheques may not be drawn on the Bank except on the forms supplied by us and registered for each the Account. Applications for new cheque books should be made on the printed application form or in any other way that we the Bank may prescribe or permit from time to time. Any new cheque book(s) may be sent to you at the Bank’s discretion by post (whether by ordinary or registered mail), courier or in any other manner we deem the Bank deems appropriate at your cost and risk (including the risk of disclosure of any information concerning the Account arising thereby). 8.2 We b. The Bank may accept foreign currency cheques for clearing in the manner then prevailing for the acceptance of such cheques as we the Bank may determine from time to time. Your Account will be credited with the proceeds of such cheques only after the cheque is honoured and the Bank has deducted fees, taxes and charges related to the clearing of the cheques and after converting the amount from of the currency of the cheque to the currency of the Account. All adjustments based on exchange rates, bank commission, stamp duty and other charges upon clearance of the cheques and all risks connected with the clearing including including, but not limited to to, exchange rate movement shall be for your Account. 8.3 c. Foreign currency cheques and other financial instruments received for collection will only be credited to your Account after we receive the Bank receives payment of the proceeds. 8.4 d. Cheques drawn on local banks are only cleared on a designated Clearing Day, which must be a Business Day. 8.5 e. Cheques drawn on local banks are credited when deposited but cannot be drawn against until the proceeds have been received into the Account. We The Bank will debit the Account if such cheques are dishonoured. 8.6 f. Clauses 8.319.c, 8.4 19.d and 8.5 19.e shall apply to all cheque deposits placed with us the Bank whether over the counter or through any other means. 8.7 g. You hereby authorize the Bank to debit your Account with any amount that was credited in respect of cheques or other instruments that are subsequently dishonoured or returned unpaid. 8.8 h. Cheques or financial instruments deposited by you and dishonoured or which cannot be processed by us the Bank for any reason may be returned by ordinary mail to your account Account mailing address at your own risk and expense. You will also be notified by ordinary mail of any returned items, where the original cheque or instrument is in the form of an IRD. 8.9 We i. The Bank may refuse to accept any cheque or financial instrument for deposit. This includes any cheque on which the payee’s name is not identical with that of the customer your name and any cheque made payable to a corporation, firm, partnership, limited liability partnership, society, association, trade union, institution or other business concern for credit to a personal your Account. 8.10 We j. The Bank may refuse to pay cash if the payee is a corporate entity even though the word “bearer” is not cancelled and the cheque is not a crossed or “A/C Payee” cheque. 8.11 We reserve k. The Bank reserves the right to charge for issuing cheques and cheque books at our the Bank’s prevailing rates. 8.12 We l. The Bank may refuse to act on stop payment instructions unless we receive, on a business day, the Bank receives a written request signed by any signatory(ies) signatory of the Account or a verbal request from any signatory(ies) signatory of the Account subject to our the Bank verifying the identity of the person(s) person making the request. Stop payment on cheques will be processed effected based on the cheque number(s), the amount of the cheque and the payee of the cheque. 8.13 m. Stop payment instructions will be valid for such period as we determine the Bank determines from the date on which we receive the Bank receives your verbal or written instructions. Any charges will be debited from your Account regardless of whether your stop payment instruction was processed successfully. 8.14 n. You agree not to make use of any stamps or seals or other instruments in drawing cheques, or other forms of withdrawals, or in communications with us the Bank without first notifying us the Bank and entering into such arrangements as we the Bank may require. We The Bank may (but are not obliged to) verify any stamps or seals or other instruments against your specimen stamps or seals or other instruments. If you or any person acting on your behalf make use of any stamps or seals or other instruments in drawing cheques, or other forms of withdrawals, or in communications with us the Bank in breach of these Terms and Conditions, we the Bank may, without notice to you, refuse to honour or pay such cheques or requests for withdrawals or disregard such communications. We The Bank will not be liable in any way for any loss arising from honouring, paying or relying on such cheques, requests or communications and/or failing or refusing to honour, pay or rely on such cheques, requests or communications.

Cheques. 8.1 Cheques The Bank agrees to handle only standardised means of payment. The Bank reserves the right to evaluate the issuance of a chequebook to the Client at any time on the basis of his/her account status, needs, and resources. If the Bank has issued chequebooks, it may, on those grounds and at any time, ask the Client to return them by recorded delivery letter. The Bank must justify any refusal to issue a chequebook. Where the Bank has refused to issue a chequebook, it undertakes to review the Client’s position ev ery six months. To that end, the Client may refer the matter to the Bank at any time in writing, and the Bank shall inf orm the Client in writing of its decision whether to issue a chequebook. No reassessment can be made if the Client is subject to a ban on issuing cheques by a bank or a court. If the Client is under 16 years old, a chequebook will not be drawn on issued to him/her. If the Client is at least 16 years old, he/she and his/her legal representative(s) have the possibility of requesting that a chequebook be issued. If the Client is prohibited from issuing cheques, he/she shall be obliged to return the blank cheque f orms in his/her possession to the Bank except on immediately together with those in the forms supplied possession of his/her authorised agent(s). In any ev ent, the issuance of any means of payment, whether mentioned hereinabove or not, requires the Client to comply with all current or f uture legal, regulatory or contractual provisions that are applicable to him/her and in particular to ensure the existence of available and sufficient funds in the account before issuance. Bef ore issuing any chequebook to the Client, the Bank must consult with Banque de France. The issuance of cheque f orms is only authorised for persons not listed in the Central Cheques register maintained by us Banque de France identifying persons barred f rom issuing cheques. The Agreement does not constitute authorisation for the issuance of chequebooks, which is subject to approval by the Bank. Cheque f orms issued by the Bank to the Client shall be pre-crossed and registered non- transf erable; the payees of such cheques may only transmit them to a credit institution or equiv alent institution for each Accountcollection. Applications Chequebooks are kept available for new cheque books should be made on the printed application form or in any other way that we Client at the Bank; they may prescribe or permit from time to time. Any new cheque book(s) may also be sent to you him/her on request at the Bank’s discretion his/her address by post (whether by ordinary or registered mail), courier or recorded delivery in any other manner we deem appropriate at your cost and risk (including the risk of disclosure of any information concerning the Account arising thereby). 8.2 We may accept foreign currency cheques return for clearing in the manner prevailing for the acceptance of such cheques as we may determine from time to time. Your Account will be credited with the proceeds of such cheques only after the cheque is honoured and the Bank has deducted fees, taxes and charges related to the clearing of the cheques and after converting the amount from the currency of the cheque to the currency of the Account. All adjustments based on exchange rates, bank commission, stamp duty and other charges upon clearance of the cheques and all risks connected with the clearing including but not limited to exchange rate movement shall be for your Account. 8.3 Foreign currency cheques and other financial instruments received for collection will only be credited to your Account after we receive payment of the proceeds. 8.4 Cheques drawn on local banks are only cleared on a designated Clearing Day, which must be a Business Day. 8.5 Cheques drawn on local banks are credited when deposited but cannot be drawn against until the proceeds have been received into the Account. We will debit the Account if such cheques are dishonoured. 8.6 Clauses 8.3, 8.4 and 8.5 shall apply to all cheque deposits placed with us whether over the counter or through any other means. 8.7 You hereby authorize the Bank to debit your Account with any amount that was credited in respect of cheques or other instruments that are subsequently dishonoured or returned unpaid. 8.8 Cheques or financial instruments deposited by you and dishonoured or which cannot be processed by us for any reason may be returned by ordinary mail to your account mailing address at your own risk and expense. You will also be notified by ordinary mail of any returned items, where the original cheque or instrument is in the form of an IRD. 8.9 We may refuse to accept any cheque or financial instrument for deposit. This includes any cheque on which the payee’s name is not identical with that of the customer and any cheque made payable to a corporation, firm, partnership, limited liability partnership, society, association, trade union, institution or other business concern for credit to a personal Account. 8.10 We may refuse to pay cash if the payee is a corporate entity even though the word “bearer” is not cancelled and the cheque is not a crossed or “A/C Payee” cheque. 8.11 We reserve the right to charge for issuing cheques and cheque books at our prevailing rates. 8.12 We may refuse to act on stop payment instructions unless we receive, on a business day, a written request signed by any signatory(ies) of the Account or a verbal request from any signatory(ies) of the Account subject to our verifying the identity of the person(s) making the request. Stop payment on cheques will be processed based on the cheque number(s), the amount of the cheque and the payee of the cheque. 8.13 Stop payment instructions will be valid for such period as we determine from the date on which we receive your verbal or written instructions. Any charges will be postage costs debited from your Account regardless of whether your stop payment instruction was processed successfullyhis/her account. 8.14 You agree not to make use of any stamps or seals or other instruments in drawing cheques, or other forms of withdrawals, or in communications with us without first notifying us and entering into such arrangements as we may require. We may (but are not obliged to) verify any stamps or seals or other instruments against your specimen stamps or seals or other instruments. If you or any person acting on your behalf make use of any stamps or seals or other instruments in drawing cheques, or other forms of withdrawals, or in communications with us in breach of these Terms and Conditions, we may, without notice to you, refuse to honour or pay such cheques or requests for withdrawals or disregard such communications. We will not be liable in any way for any loss arising from honouring, paying or relying on such cheques, requests or communications and/or failing or refusing to honour, pay or rely on such cheques, requests or communications.

Cheques. 8.1 a. Cheques may not be drawn on the Bank except on the forms supplied by us and registered for each the Account. Applications for new cheque books should be made on the printed application form or in any other way that we the Bank may prescribe or permit from time to time. Any new cheque book(s) may be sent to you at the Bank’s discretion by post (whether by ordinary or registered mail), courier or in any other manner we deem the Bank deems appropriate at your cost and risk (including the risk of disclosure of any information concerning the Account arising thereby). 8.2 We b. The Bank may accept foreign currency cheques for clearing in the manner then prevailing for the acceptance of such cheques as we the Bank may determine from time to time. Your Account will be credited with the proceeds of such cheques only after the cheque is honoured and the Bank has deducted fees, taxes and charges related to the clearing of the cheques and after converting the amount from of the currency of the cheque to the currency of the Account. All adjustments based on exchange rates, bank commission, stamp duty and other charges upon clearance of the cheques and all risks connected with the clearing including including, but not limited to to, exchange rate movement shall be for your Account. 8.3 c. Foreign currency cheques and other financial instruments received for collection will only be credited to your Account after we receive the Bank receives payment of the proceeds. 8.4 d. Cheques drawn on local banks are only cleared on a designated Clearing Day, which must be a Business Day. 8.5 e. Cheques drawn on local banks are credited when deposited but cannot be drawn against until the proceeds have been received into the Account. We The Bank will debit the Account if such cheques are dishonoured. 8.6 f. Clauses 8.319.c, 8.4 19.d and 8.5 19.e shall apply to all cheque deposits placed with us the Bank whether over the counter or through any other means. 8.7 g. You hereby authorize the Bank to debit your Account with any amount that was credited in respect of cheques or other instruments that are subsequently dishonoured or returned unpaid. 8.8 Cheques or financial instruments deposited by you and dishonoured or which cannot be processed by us for any reason may be returned by ordinary mail to your account mailing address at your own risk and expense. You will also be notified by ordinary mail of any returned items, where the original cheque or instrument is in the form of an IRD. 8.9 We may refuse to accept any cheque or financial instrument for deposit. This includes any cheque on which the payee’s name is not identical with that of the customer and any cheque made payable to a corporation, firm, partnership, limited liability partnership, society, association, trade union, institution or other business concern for credit to a personal Account. 8.10 We may refuse to pay cash if the payee is a corporate entity even though the word “bearer” is not cancelled and the cheque is not a crossed or “A/C Payee” cheque. 8.11 We reserve the right to charge for issuing cheques and cheque books at our prevailing rates. 8.12 We may refuse to act on stop payment instructions unless we receive, on a business day, a written request signed by any signatory(ies) of the Account or a verbal request from any signatory(ies) of the Account subject to our verifying the identity of the person(s) making the request. Stop payment on cheques will be processed based on the cheque number(s), the amount of the cheque and the payee of the cheque. 8.13 Stop payment instructions will be valid for such period as we determine from the date on which we receive your verbal or written instructions. Any charges will be debited from your Account regardless of whether your stop payment instruction was processed successfully. 8.14 You agree not to make use of any stamps or seals or other instruments in drawing cheques, or other forms of withdrawals, or in communications with us without first notifying us and entering into such arrangements as we may require. We may (but are not obliged to) verify any stamps or seals or other instruments against your specimen stamps or seals or other instruments. If you or any person acting on your behalf make use of any stamps or seals or other instruments in drawing cheques, or other forms of withdrawals, or in communications with us in breach of these Terms and Conditions, we may, without notice to you, refuse to honour or pay such cheques or requests for withdrawals or disregard such communications. We will not be liable in any way for any loss arising from honouring, paying or relying on such cheques, requests or communications and/or failing or refusing to honour, pay or rely on such cheques, requests or communications.

Cheques. 8.1 (a) Cheques may not be drawn on the Bank bank except on the forms supplied by us the bank and registered for each Account. Applications for new cheque books should be made on the printed application form or in any other way that we the bank may prescribe or permit from time to time. Any new cheque book(s) may be sent to you us at the Bankbank’s discretion by post (whether by ordinary or registered mail), courier or in any other manner we deem the bank deems appropriate at your our cost and risk (including the risk of disclosure of any information concerning the Account arising thereby). 8.2 We (b) The bank may accept foreign currency cheques for clearing in the manner prevailing for the acceptance of such cheques as we the bank may determine from time to time. Your Our Account will be credited with the proceeds of such cheques only after the cheque is honoured and the Bank bank has deducted fees, taxes and charges related to the clearing of the cheques and after converting the amount from the currency of the cheque to the currency of the Account. All adjustments based on exchange rates, bank commission, stamp duty and other charges upon clearance of the cheques and all risks connected with the clearing including but not limited to exchange rate movement shall be for your our Account. 8.3 (c) Foreign currency cheques and other financial instruments received for collection will only be credited to your our Account after we receive the bank receives payment of the proceeds. 8.4 (d) Cheques drawn on local banks are only cleared on a designated Clearing Day, which must be a Business Day. 8.5 (e) Cheques drawn on local banks are credited when deposited but cannot be drawn against until the proceeds have been received into the Account. We The bank will debit the Account if such cheques are dishonoured. 8.6 Clauses 8.3(f) Clauses(c), 8.4 (d) and 8.5 (e) shall apply to all cheque deposits placed with us the bank whether over the counter or through any other means. 8.7 You (g) We hereby authorize the Bank bank to debit your our Account with any amount that was credited in respect of cheques or other instruments that are subsequently dishonoured or returned unpaid. 8.8 (h) Cheques or financial instruments deposited by you us and dishonoured or which cannot be processed by us the bank for any reason may be returned by ordinary mail to your our account mailing address at your our own risk and expense. You will also be notified by ordinary mail of any returned items, where the original cheque or instrument is in the form of an IRD. 8.9 We (i) The bank may refuse to accept any cheque or financial instrument for deposit. This includes any cheque on which the payee’s name is not identical with that of the customer and any cheque made payable to a corporation, firm, partnership, limited liability partnership, society, association, trade union, institution or other business concern for credit to a personal Account. 8.10 We (j) The bank may refuse to pay cash if the payee is a corporate entity even though the word “bearer” is not cancelled and the cheque is not a crossed or “A/C Payee” cheque. 8.11 We reserve (k) The bank reserves the right to charge for issuing cheques and cheque books at our the bank’s prevailing rates. 8.12 We (l) The bank may refuse to act on stop payment instructions unless we receive, on a business day, the bank receives a written request signed by any signatory(ies) signatory of the Account or a verbal request from any signatory(ies) signatory of the Account subject to our the bank verifying the identity of the person(s) person making the request. Stop payment on cheques will be processed effected based on the cheque number(s), the amount of the cheque and the payee of the cheque. 8.13 (m) Stop payment instructions will be valid for such period as we determine the bank determines from the date on which we receive your the bank receives our verbal or written instructions. Any charges will be debited from your our Account regardless of whether your our stop payment instruction was processed successfully. 8.14 You (n) We agree not to make use of any stamps or seals or other instruments in drawing cheques, or other forms of withdrawals, or in communications with us the bank without first notifying us the bank and entering into such arrangements as we the bank may require. We The bank may (but are not obliged to) verify any stamps or seals or other instruments against your our specimen stamps or seals or other instruments. If you we or any person acting on your our behalf make use of any stamps or seals or other instruments in drawing cheques, or other forms of withdrawals, or in communications with us the bank in breach of these Terms and Conditions, we the bank may, without notice to youus, refuse to honour or pay such cheques or requests for withdrawals or disregard such communications. We The bank will not be liable in any way for any loss arising from honouring, paying or relying on such cheques, requests or communications and/or failing or refusing to honour, pay or rely on such cheques, requests or communications.

Cheques. 8.1 Cheques may 6.1 Barclays will not be drawn pay a future dated cheque until on the Bank except on the forms supplied by us and registered for each Account. Applications for new cheque books should be made on the printed application form or in any other way that we may prescribe or permit from time to time. Any new cheque book(s) may be sent to you at the Bank’s discretion by post (whether by ordinary or registered mail), courier or in any other manner we deem appropriate at your cost and risk (including the risk of disclosure of any information concerning the Account arising thereby). 8.2 We may accept foreign currency cheques for clearing in the manner prevailing for the acceptance of such cheques as we may determine from time to time. Your Account will be credited with the proceeds of such cheques only after the cheque is honoured and the Bank has deducted fees, taxes and charges related to the clearing of the cheques and after converting the amount from the currency of the cheque to the currency of the Account. All adjustments based on exchange rates, bank commission, stamp duty and other charges upon clearance of the cheques and all risks connected with the clearing including but not limited to exchange rate movement shall be for your Account. 8.3 Foreign currency cheques and other financial instruments received for collection will only be credited to your Account after we receive payment of the proceeds. 8.4 Cheques drawn on local banks are only cleared on a designated Clearing Day, which must be a Business Day. 8.5 Cheques drawn on local banks are credited when deposited but cannot be drawn against until the proceeds have been received into the Account. We will debit the Account if such cheques are dishonoured. 8.6 Clauses 8.3, 8.4 and 8.5 shall apply to all cheque deposits placed with us whether over the counter or through any other means. 8.7 You hereby authorize the Bank to debit your Account with any amount that was credited in respect of cheques or other instruments that are subsequently dishonoured or returned unpaid. 8.8 Cheques or financial instruments deposited by you and dishonoured or which cannot be processed by us for any reason may be returned by ordinary mail to your account mailing address at your own risk and expense. You will also be notified by ordinary mail of any returned items, where the original cheque or instrument is in the form of an IRD. 8.9 We may refuse to accept any cheque or financial instrument for deposit. This includes any cheque on which the payee’s name is not identical with that of the customer and any cheque made payable to a corporation, firm, partnership, limited liability partnership, society, association, trade union, institution or other business concern for credit to a personal Account. 8.10 We may refuse to pay cash if the payee is a corporate entity even though the word “bearer” is not cancelled and the cheque is not a crossed or “A/C Payee” cheque. 8.11 We reserve the right to charge for issuing cheques and cheque books at our prevailing rates. 8.12 We may refuse to act on stop payment instructions unless we receive, on a business day, a written request signed by any signatory(ies) of the Account or a verbal request from any signatory(ies) of the Account subject to our verifying the identity of the person(s) making the request. Stop payment on cheques will be processed based on the cheque number(s), the amount of the cheque and the payee date of the cheque. 8.13 Stop payment instructions 6.2 Barclays will be valid for such period as we determine from not pay a cheque that is presented more than 3 months after the date on which we receive your verbal or written instructions. Any charges will be debited from your Account regardless of whether your stop payment instruction was processed successfullyits issue. 8.14 You agree 6.3 The Customer will indemnify Barclays against any claims, losses, damages or costs which Barclays incurs if the Customer pays in and Barclays collects for the Customer’s account, a cheque that is not payable to make use the Customer. 6.4 To stop a cheque, the Customer must provide the information Barclays requires at least one Business Day before the cheque is presented. 6.5 When an account is closed, the Customer must return to Barclays any unused cheques relating to that account. 6.6 If Barclays credits a cheque to an account before the cheque has cleared, Barclays can reverse the credit. 6.7 Barclays may collect or negotiate foreign currency cheques or cheques drawn on a non-Indian bank and charge the Customer for doing so. 6.8 The Customer must exercise due care while issuing cheques. Barclays may pay a cheque as it appears when presented in clearing, but is not obliged to pay a cheque that appears as if it may have been altered. 6.9 For a presented cheque of INR 5,00,000/- (Indian Rupees Five Lakhs Only) and above or any stamps or seals or other instruments threshold as may be notified by RBI, Positive Pay System facility shall be mandatory and the Customer shall provide Barclays (in drawing chequesthe format specified by Barclays) certain minimum details of that cheque (like date, name of the beneficiary/ payee, amount, etc.), at least 1 Business Day in advance. Such details would be cross-checked with the presented cheque by CTS. In the event any discrepancy is flagged by CTS, or other forms of withdrawals, or in communications with us without first notifying us and entering into such arrangements as we may require. We may (but if the aforementioned cheque details are not obliged to) verify shared with Barclays in the manner prescribed by Barclays then such cheque shall be returned. The Customer will indemnify Barclays against any stamps claims, losses, damages or seals costs which Barclays incurs in connection with such return of cheque due to discrepancy or other instruments against your specimen stamps or seals or other instruments. If you or any person acting on your behalf make use due to non-receipt of any stamps or seals or other instruments the details of the cheque in drawing cheques, or other forms of withdrawals, or in communications with us in breach of these Terms and Conditions, we may, without notice to you, refuse to honour or pay such cheques or requests for withdrawals or disregard such communications. We will not be liable in any way for any loss arising from honouring, paying or relying on such cheques, requests or communications and/or failing or refusing to honour, pay or rely on such cheques, requests or communicationsthe prescribed manner.