No. 33 Electronic Transactions (5) Unless otherwise agreed by the parties, where a consumer exercises the right of withdrawal, he may only be required to pay, within seven days, for the financial services already provided by a supplier pursuant to the distant contract and the execution of a contract may only start upon consent of the consumer, and the amount due__ (a) has not exceeded the amount proportionate to the service already rendered as compared to the services to be rendered under the contract; and (b) is not, under any circumstances, of such value or nature as to constitute a penalty. 33 (6) A supplier may not require a consumer to pay an amount due under subsection (5) unless the supplier proves that the consumer was duly notified of the amount. (7) Where a supplier has started to execute a contract before expiry of the term of withdrawal, the supplier may not, under any circumstances, require the consumer to process the payment. (8) Unless otherwise agreed by the parties, a supplier shall be required to reimburse to a consumer, not later than fourteen days, all sums which were paid by the consumer under a distant contract. (9) The fourteen day period referred to in subsection (8) shall commence once a supplier receives a notification of a decision by a consumer to withdraw from the contract. (10) Unless otherwise agreed by the parties, where a supplier fails to reimburse to a consumer the sums due within the period of fourteen days, the amount shall attract interest at the prevailing bank rate as specified by the Reserve Bank of Malawi. (11) A consumer shall return to the supplier not later than fourteen days or such period as agreed by the parties and the calculation of time under this section shall start from when the goods received from the supplier and the fourteen day period shall start from the day when the consumer has sent a notification of withdrawal to the supplier. PART VI__SECURITY AND DIGITAL ECONOMY 46.__(1) Where any portion of an electronic message is signed with a digital signature, the digital signature shall be treated as a secure electronic signature with respect to such portion of the message if__ (a) the digital signature was created during the operational period of a valid digital signatures certificate and is verified by reference to the public key listed in such certificate; Use, supply, transfer, etc