The sale of the check is made subject to the following conditions: 
The check should be presented promptly to the drawee for payment, and, if issued in a currency 
other than that of the place of payment as indicated thereon, it shall be payable at the drawee’s buying 
rate for checks of that currency on the date when payment is affected, unless the holder by arrange- 
ment With the drawee receives payment in some other form upon paying ail charges of the drawee 
in connection therewith. 
Neither we nor any of our correspondents or agents shall be liable for any loss or damage 
resulting from delay in presenting the check to the drawee, or from the failure of the drawee to 
identify the payee or any successor in interest, or from the refusal or inability of the drawee to pay 
the check by reason of any law, decree, moratorium, regulation, compulsion or control of public 
authority or of domestic or foreign government, de jure or de facto, or any agency thereof, or resulting 
from declared or undeclared war, censorship, blockade, revolution, insurrection, civil commotion or 
resulting from any other cause whatsoever beyond the control of ourselves or our correspondents 
or agents. 
If the check is not paid by the drawee and a refund is requested we will, upon surrender to 
us of the original check (and duplicate thereof, if any) duly endorsed, make refund subject to the 
following conditions: If the check is expressed in U. S. dollars refund will be made only in U. S. 
dollars, but if expressed in foreign currency our only liability shall be to make refund at the current 
market value of the foreign currency in New York City at the time such refund is made, any loss 
due to fluctuations in the rate of exchange or to impairment or destruction of the foreign currency 
in question being assumed by the purchaser. Whether the check be expressed in U. S. dollars or 
foreign currency, such refund may not be required unless and until we are in receipt of proof satis- 
factory to us that no charge by virtue of the check exists or will be made against our account with 
the drawee, or any of our correspondents or agents, and that any portion of such account debited 
or earmarked for payment thereof is at our free disposal, all expenses in connection therewith to 
be borne by the holder of the check. If at the time when such refund would otherwise be required 
hereunder there is no market in New York City for such foreign currency as may be specified in 
the check, our obligation to make refund shall not accrue unless and until such a market exists. If 
sufficient funds for the payment of the check have been made available to the drawee, then at our 
option,* we may forward appropriate instructions by mail, or otherwise in our discretion, to the 
drawee to hold the face amount of the check for the account and at the risk o-f the holder of the 
check, and the drawer shall not be otherwise obligated on account of said check. 
