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48A: Clause 109, page 139, line 19, at end insert— ““service message” means a communication necessary for an administrative or servicing purpose including the performance of a contract to which the recipient is party, or in order to take steps at the request of the recipient prior to entering into a contract which does not contain any direct marketing content;“regulatory communication” means a communication necessary for the compliance with a legal obligation or legislative measure, including those provided by a statutory regulator, which aims to improve customer outcomes and avoids active promotion or encouragement where possible following careful assessment of the risk of harms caused, or likely to be caused, to the recipient;”