MODE OF COMMUNICATION

The following are the approval and recognized formal communication methods or channels between the cardholder and the Bank, its Branches and Authorized Agents:

1.0 Written Correspondences to the residential or postal address on record

2.0 Personal visits to the respective party locations

3.0 Electronic communications e.g. telephone, mobile communications, email address, fax numbers or SMS

4.0 Where the communication is not personal to the cardholder, through publishing in the newspapers or any other appropriate circulations.

The Cardholder has right to change his/her nominated communication details through telephone, mobile phone, email or postal services, or residential services. The cardholder may also opt to terminate receipt of any formal communication from the Bank through electronic means by formally notifying the bank of the same. The Bank will presume it has communicated to the Cardholder:

1.0 By writing to the cardholder – the Cardholder is assumed to have received the Communication when it would be delivered in the ordinary course of the post

2.0 By giving the communication personally or leaving it for the Cardholder; the Cardholder will be presumed to have received it on the day of delivery, or

3.0 Electronically, through email or SMS; the Cardholder will be taken to have received it on the day it is transmitted.