(1) Any user may withdraw his or her transaction request before the payment takes effect pursuant to each subparagraph of Article 13 (1). <Amended on Oct. 15, 2014>
(2) Notwithstanding paragraph (1), a financial company or an electronic financial business entity and its user may, pursuant to a prior agreement, determine differently the timing for withdrawing a transaction request with respect to any batch transaction, reserved transaction, etc. <Amended on May 22, 2013>
(3) Any financial company or electronic financial business entity shall include in its terms and conditions the matters relating to the methods and procedures for withdrawing a transaction request under paragraph (1) and the prior agreement under paragraph (2). <Amended on May 22, 2013>