a) All notices, statements, Letters and other communications from the Bank may be sent to the last address given by the Customer, and the date on the Bank’s copy of any such communication is taken to be the date of such dispatch in the absence of proof to the contrary

b) Any written communication from the Bank to the Customer including but not limited to any notice given pursuant to these Terms and Conditions shall be deemed to have been received by the Customer, if delivered then at the date and time of delivery, and if sent by post then four days after posting if sent to a Uganda address and seven days after posting if sent to an address outside Uganda; and in providing such dispatch by post it shall be sufficient to prove that the letter containing the communications was properly stamped and addressed and put into the Post Office.

c) The Customer has no claim on the Bank for damage resulting from losses, delays, misunderstandings, mutilations, duplications or any other irregularities due to transmission of any communication, whether to or from the Customer, the Bank or any third party, by delivery, post, telegraph, telephone, telex or any other means of communication