On 20.04.2004, you use UBS e-banking to transfer 100 US dollars from your UBS account to a beneficiary in the US. Since you submitted the payment order before 4 p.m., we will execute the payment on the same day. The beneficiary's bank will have the funds on 20.04.2004 and it can credit the amount to the beneficiary. UBS debits your account with value date 20.04.2004 and does not delay the value date for the customary two days (value date 20.04 instead of 22.04.2004). Your payment is made on the same day, without an express surcharge being imposed.
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