Wire Transfer Terms and Conditions

"You" and "your" means the customer (account holder) who is requesting a wire transfer on the reverse side of this document.
In consideration of American Bank (the "Bank") undertaking to wire transfer funds on your behalf and at your direction, you agree to abide by and be bound by the following terms and conditions:
1.	The Bank's obligation to you is limited to the transfer of funds to the beneficiary account at the beneficiary bank which you set forth on the wire transfer document. YOU ARE SOLELY RESPONSIBLE FOR THE ACCURACY OF THE ACCOUNT NUMBERS AND THE ROUTING NUMBERS FOR THE BENEFICIARY BANK. You understand and acknowledge that the Bank does not verify that the account number is in fact the beneficiary's account, nor that the beneficiary bank's routing number is correct.
2.	You understand and acknowledge that the Bank DOES NOT provide any written notice or advice of the wire transfer of funds to the beneficiary, or to the beneficiary bank, or to you, except for your periodic account statement. You are solely responsible to make whatever inquires to the beneficiary and/or the beneficiary bank as may be reasonably necessary or advisable, in order to ascertain whether the transfer took place as you intended.
3.	You do not have the right to cancel, amend or stop this wire transfer payment order once it has been given to the Bank for processing. You should therefore be absolutely certain that you intend to transfer the funds in accordance with the instructions you give on this document. However, in the event that you do request the Bank to cancel, amend or stop this wire transfer payment order, after it has been given to the Bank for processing, the Bank will use reasonable efforts to accommodate the request.
4.	If you determine after the wire transfer has taken place that the funds were not received as you intended, whether in amount, or intended beneficiary bank or account, or any other discrepancy, then without regard to the reason why that circumstance has occurred (including fault or misdelivery or non-delivery on the part of the Bank) you shall be obligated to immediately notify the Bank. The Bank will use reasonable efforts to ascertain the cause of the circumstance, and will use reasonable efforts to correct the problem if it is possible to do so.
5.	You have 15 days after receipt of your periodic statement or written confirmation of payment order on which the wire transfer appears, or should appear, to notify the Bank of any error or discrepancy between your records and the Bank's records. Otherwise, all of the terms of your account agreement set forth in a document titled "All About Your Deposit Account" (hereinafter "Account Agreement"), which is hereby incorporated by reference, apply to the wire transfer requested on the document.
6.	You agree that the Bank will not be held responsible for any act or omission by any person who is not a bank employee acting within the scope of their employment under Bank's control, nor will the Bank be held responsible for any failure, unavailability or malfunction of communications, electronic or other equipment, which may result in misdelivery, non-delivery or delays in delivery of the funds transferred. You agree that the Bank will not be held responsible for the insolvency, neglect, misconduct, mistake, default, delay, misappropriation, negligence or breach of contract by any other bank, entity or person, in connection with the wire transfer, without regard to any agency relationship those persons or entities may have with the Bank.
7.	You agree that, even if the Bank is found to be at fault for misdelivery or non-delivery of the funds subject to this wire transfer order, the Bank's liability shall be limited solely to the amount of the transfer, and you agree further that the Bank will not be held liable or responsible to you or anyone else for any consequential, incidental, special, or indirect losses, damages (including dishonor of checks or other items), or expenses (including attorneys fees) which may be suffered, sustained, or incurred by reason of this wire transfer order, or the services provided by the Bank hereunder, without regard to the Bank's prior knowledge of the likelihood of such damages.
8.	You agree that under no circumstances will the Bank be held responsible to the beneficiary or the beneficiary bank for any damages, claims, losses, expenses, or injuries whatsoever, and you hereby agree further to indemnify the Bank against liability for any such claims, damages, losses, expense, or injuries whatsoever which may arise or be asserted by the beneficiary of the beneficiary bank as a result of this wire transfer order or performance (or non-performance) hereunder.
9.	You agree that the Bank's compliance with the internal procedures it has established for wire transfers shall be deemed reasonable conduct and shall discharge the Bank's obligations hereunder. You agree further that the Bank's failure to follow those internal procedures will not subject the Bank to liability for breach of contract, negligence or any other cause of action.
10.	This document, together with the Account Agreement, is the entire Agreement between the parties governing the wire transfer you are requesting. Any amendment hereto must be in writing, signed by the authorized representative of the Bank.