Company A (the seller) signed a sales contract with an American importer for exporting garments against L/C and the term is FOB Guangzhou. In the sales contract, the time of shipment is not later than May 28. On April 8, the American importer opened the L/C, in which the time of shipment is not explicitly specified, instead, the clause requires that “SHIPMENT SHOULD BE EFFECTED IMMEDIATELY”. The seller had the garments loaded and obtained the bill of lading on May 20. Then the seller sent the documents required in the L/C to the bank for negotiation. However, the bank declined the request of payment because the buyer claimed that the seller did not ship the gods immediately as stipulated in the L/C, which caused discrepancy. The buyer further explained that, since the L/C was opened in early April, they were expecting the goods being shipped before the end of April. As the goods were shipped in late May, it is not an immediate shipment form the buyer’s point of view. Question: Is the bank’s refusal appropriate? Is the buyer’s request of immediate shipment appropriate?