Subject to daily withdrawals limits (if any), the Available Balance and the Specific Terms and Conditions of the Account,

a) The Customer may make withdrawals from the Account subject to the Specific Terms and Conditions of the Account and Sufficient Available Balance. The Bank may refuse to allow withdrawals or make payments from the Account if the available Balance is insufficient to cover such payment or withdrawals.

b) The Bank may refuse to allow any withdrawals or make payments from the Account if there is a Banker’s Lien marked on funds held in the Account.

c) The Customer will not be permitted to draw against, and the Bank will not be obliged to make payment against, a cheque or other payment which has not been cleared