The Bank's charges, as in effect from time to time, apply to all accounts and a list of such charges is available upon request at any branch of the Bank. The Bank reserves the right to, at any time and without notice, debitany one or more account(s) of the account holder maintained with the Bank for the purposes of settling these service fees, facility fees and/or othercharges, irrespective of whether there are sufficient available funds, overdraft or credit facilities in the said account(s) and any overdraft or debitbalances resulting therefrom will be subject to the applicable prevailing interest rates and fees.