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<br />We are authorized, but not obliged, to rely upon and act in accordance with any <br />application, instl1lction, consent or other communication by fax or other electronic <br />transmission (including without limitation any transmission by use of our Software or the <br />Internet) received by us purporting to be a communication on your behalf without inquirY on <br />our part as to the source of the transmission or the identity of the person purporting to <br />send such communication. We are also authorized, but not obliged, to rely upon and act in <br />accordance with any application, instl1lction, consent or other communication by telephone, <br />purporting to be a communication on your behalf by an authorized person designated by <br />you. <br /> <br />AD-AG-0455B (2004-2) <br /> <br />51 <br />