Instructions via the Phoenix Portal. 5.1. Subject to Paragraph 5.4 of this Schedule, we are entitled to assume that where an instruction is submitted through the Phoenix Portal using Authenticators allocated to or created by you or any Authorized User (“Authorized Instructions”), such instruction has been properly authorized by you. You authorize us to act on all Authorized Instructions; and you accept that you will be irrevocably bound by all transfers that we execute in accordance with any Authorized Instruction.