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(1) A complaint shall be submitted in writing to the Bank before redress is sought in a Court for the settlement of grievance under this Act.

(2) The Bank shall investigate the matter and determine it in accordance with this section.

(3) Where the Bank receives a complaint or notice of a dispute, the Bank shall

(a) cause the matter to be investigated, and

(b) settle the dispute or complaint to the satisfaction of the parties concerned, unless the Bank considers the matter to be frivolous or vexatious.

(4) A person dissatisfied with a decision of the Bank may appeal to the High Court.