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19. Customer Communications

19.1 The user acknowledges that Steward Bank will use e-mail and notices on this site, as Steward Bank's main communication tool for all communications relating to this site, or these terms and condition.

19.2 An e-mail message will be deemed to be sent:

19.2.1 by the user, at the time at which Steward Bank are capable of accessing such message;

19.2.2 by Steward Bank, at the time shown on the message as having been sent, or if not so shown, at the time shown on Steward Bank's computer system as having been sent.

19.2.3 An e-mail message is deemed to be received:

19.2.4 by the Subscriber once it becomes capable of being retrieved by the user;

19.2.5 by Steward Bank , once Steward Bank have confirmed receipt thereof to the user, or responded thereto, whichever is the earlier.

19.3 A message shall be attributed:

19.3.1 to the user, if it purports to have originated from the user, irrespective of the fact that someone else may have impersonated the user or whether the message sent to Steward Bank resulted from an error or malfunction in the communication system;

19.3.2 to Steward Bank, if it has been sent by a duly authorised representative and such representative acted within the scope of such authority or by an automated system programmed by Steward Bank and such system operated without error or malfunction.

19.3.3 unless otherwise provided for in these terms and conditions and subject to clause (by Steward Bank, once Steward Bank have confirmed receipt thereof to the user, or responded thereto, whichever is the earlier) confirmation of receipt of your message is required to give legal effect to such message

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