The Bank in its sole discretion may at any time. Freeze any Account of the Customer, if and for so long as:

a) There is any dispute between the Customer and the Bank; or

b) If the Bank has any reason to suspect that a fraud has been or is likely to be committed; or

c) That the Account is being or is likely to be operated by the Customer for an illegal transaction; or

d) The Bank has any doubt for any reason (whether or not well funded) that the customer is not the person(s) entitled to operate the Account without any obligation to institute interpreter proceedings or take any

step of its own initiative for the determination of such dispute or doubt;

e) The Bank is under a legal obligation to do so.