A commercial bank may accept for payment at a later date a draft issued in connection with a transaction that involves the importation, exportation, or domestic shipment of goods, if the draft: Is payable not more than 6 months after the date of acceptance; and When accepted, is accompanied by a document of title. A commercial bank may accept a draft that a bank or banker in any foreign country or any possession or territory of the United States draws on the commercial bank to provide dollar exchange required by trade usage in the foreign country, possession, or territory if: The draft is payable not more than 3 months after the date of acceptance; The amount of the exchange does not exceed 50 percent of the unimpaired capital and surplus of the commercial bank; and For any exchange that exceeds 10 percent of the unimpaired capital and surplus of the commercial bank, the draft is accompanied by a document of title or other adequate security.