31. Miscellaneous

31.1 Our appointment under this Agreement is given by you on behalf of your successors in title as well as yourself. Accordingly, if you being an individual should die and are not one of a number of joint holders as contemplated in clause 28 of this Agreement will continue in effect until terminated by us or your personal representatives in accordance with clause 12 or 25. We may (but prior to any grant of representation are not bound to) act on the instructions of your personal representatives.

31.2 This Agreement supersedes any previous agreement between the parties relating to the subject matter of this Agreement.

31.3 Each of the parties shall execute all deeds or documents (including any power of attorney) and do all such other things that may be required from time to time for the purpose of giving effect to this Agreement and the transactions contemplated hereby.

31.4 Each of the parties acknowledges and agrees that in entering into this Agreement, and the documents referred to in it, it does not rely on, and shall have no remedy in respect of, any statement, representation, warranty or understanding (whether negligently or innocently made) of any person (whether party to this Agreement or not) other than as expressly set out in this Agreement.

31.5 Nothing in this Agreement (or any of the arrangements contemplated hereby) shall be deemed to create a partnership between the parties.

31.6 Each of the parties shall pay the costs and expenses incurred by it in connection with negotiating and entering into this Agreement.

31.7 No failure to exercise or delay in exercising any right or remedy under this Agreement shall constitute a waiver thereof and no single or partial exercise of any right or remedy under this Agreement shall preclude or restrict any further exercise of such right or remedy. The rights and remedies contained in this Agreement are cumulative and not exclusive of any rights and remedies provided by law.

31.8 You agree to pay any amount payable in respect of any transaction executed with or through us on the due date regardless of any right of equity, set-off or counterclaim which you may have or allege against any of us or any Associate of ours or other person connected with us.

31.9 You authorise us to perform various actions in the account in accordance with the Relationship Manager’s instructions. If required by us (but we shall not be obliged) you will ensure that you sign such documentation as we may request in order to confirm any appointment of a third party as power of attorney.

31.10 We may (at our discretion) require additional documentation and information from you from time to time including without limit account details and evidence of identification. You agree to provide such information forthwith upon request. You agree that we shall (at our discretion) suspend your account and our obligations pending receipt.