Pre-Authorized Debit. You acknowledge that the Firm may give you the ability to pay fees or amounts due, and to fund your Account by pre-authorized debit. In such a case, you authorize the Firm and the financial institution designated (or any institution you may authorize at any time) to effect debits as per your instructions for regular recurring and/or one-time payments from time to time, for payment of any applicable fees arising under any of your Accounts, for any other amounts due and to fund your Account. Where pre-authorized debit is offered, the Firm will, on a monthly basis (or as otherwise determined by the Firm) debit your specified Account on the due date and in the amount indicated on the bill statement. the Firm will obtain your authorization for any other debits. You understand and acknowledge that where a pre-authorized debit has been returned for non-sufficient funds (NSF) or dishonoured in any way, the Firm may represent a debit once more for the same amount as the original pre-authorized debit within 30 days following the return of the original pre-authorized debit. You agree to maintain balances sufficient to pay all fees, and agree that the Firm is not liable for any overdraft, insufficient funds, or charges caused or incurred by your failure to maintain funds sufficient to pay all debits presented by the Firm. If we re-present a debit and such debit has been returned for NSF or dishonoured in any way, the Firm reserves the right to collect an amount equal to the debit pursuant to section 1.j. and take all such other actions permitted under this Agreement. You may change or revoke this authorization at any time, provided that you provide advance notice to the Firm at least thirty (30) days before the next debit is scheduled. You may provide the Firm with the name and contact information for a person whom you consider to be trustworthy and is familiar with your personal circumstances (Trusted Contact Person). You agree that the Firm may contact your Trusted Contact Person to protect your financial interests when the Firm has reasonable grounds to be concerned about your personal or financial well-being. This includes concerns about your mental capacity, concerns that you may be the victim of fraud, exploitation or financial abuse or if the Firm needs help locating you or your legal representative. The Firm has the option to contact the Trusted Contact Person, but the Firm is not obligated to do so. If the Firm contacts the Trusted Contact Person, the Firm wi...
