146. Documents presented to the issuing bank have been found discrepant. The bank has left a message for the applicant to discuss the discrepancies. The bank should:a) return the documents to the presenter.b) continue to hold the documents until discussion with the applicant. No further action is required.c) send notice of refusal to the presenter, listing all discrepancies and current disposition of the documents.d) send notice of refusal to the presenter without listing discrepancies, as the applicant has not been consulted.

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