10.1. Your account balance is the amount of real money paid into Your Account (by You or by Us), plus any winnings (including bonuses which have not met the applicable wagering restrictions) and/or minus any losses accrued from using the Facilities, less any rakes or entry or other fees, if applicable, and less any amounts previously withdrawn by You or amounts forfeited or reclaimed by Us due to any known or suspected fraud or due to deposits or other transactions rejected or cancelled by Your bank or any relevant third-party bank (whether as a result of insufficient funds, charge-backs or otherwise), any Inactive Account Fees (see Section 11 below) or any sums which are otherwise deductible or forfeited under these Agreements ('Account Balance').
10.2. Acceptance of a withdrawal request is subject to You having made and sufficiently wagered a non-restricted bonus or real-money deposit in Your Account, accrued winnings, any deposit method restrictions, bonus restrictions and/or Security Reviews (see Section 16 below) and any other terms of these Agreements. All amounts You withdraw are subject to the transaction limits and withdrawal methods that We notify You of before cashing out. For further details of current deposit and withdrawal options and fees please see Cashier.
10.3. We may report and withhold any amount from Your winnings in order to comply with any applicable law. All taxes due in connection with any winnings awarded to You are Your sole liability. Account balances cannot be transferred, substituted or redeemed for any other prize. Payment of funds which You withdraw shall be made by wire, credit card and/or any other manner which We select in Our sole discretion, although We will try to accommodate Your preferences as indicated by You when You register.
10.4. Payments will be made as soon as reasonably possible (subject to up to three business days internal processing time), although there may be delays due to any Security Review (see Section 16 below) undertaken by Us and save where We hold any such payments in accordance with these Agreements.
10.5. All Payments made by bank transfer in EUR within the SEPA region will be processed in accordance with the SEPA criteria. This means that both the remitter and the receiver will be charged regular domestic fees for the transaction by their respective banks, even if the transfer takes place between two different countries within the SEPA region.