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22. General provisions

22.1 The headings of the clauses in the conditions is provided for convenience and ease of reference only and will not be used to interpret, modify or amplify the terms of the conditions.

22.2 Where any dates or times need to be calculated in terms of the conditions, the international standard time: GMT plus two hours shall be used.

22.3 No failure or delay by Steward Bank to exercise any of Steward Bank rights will be construed as a waiver of any such right, whether this is done expressly or implied, nor will it affect the validity of any part these terms and conditions or prejudice our right to take subsequent action against the user.

22.4 If any of these terms and conditions is held to be invalid, unlawful or unenforceable, the term or condition will be deleted from the remaining terms and conditions which will continue to be valid to the full extent permitted by law.

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