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transmission of SWIFT messages between them as SWIFT requires from time to time. <br /> 5.3. Voice Initiation Method. <br /> Bank's voice initiation security procedure consists of confirming (a) the personal <br /> identification number ("PIN") accompanying a Payment Order corresponds with a valid PIN <br /> assigned to Company for voice-initiated Payment Orders and (b) the voice print provided <br /> when placing a Payment Order matches the voice print registered for the PIN holder. <br /> 5.4. SWIFT�(FIN) Initiation Method. <br /> SWIFT has established procedures for controlling access to SWIFT messaging services <br /> that may include access codes, message authentication codes, secure card readers, digital <br /> signatures, and Hardware Security Modules. In addition, SWIFT authenticates certain <br /> messages including without limitation Files based on SWIFT message type prior to <br /> accepting them for routing as SWIFT messages. This authentication may include <br /> confirming that the sender and recipient of the message have exchanged bilateral keys <br /> ("BKE"), entered into a relationship management application ("RMA") agreement, or taken <br /> other steps to secure the transmission of SWIFT messages between them as SWIFT <br /> requires from time to time. <br /> TM-1440 wre Transfer Service Description Page 3 of 5 <br /> Revised 0430-2014 <br />