text: **‘Formal notification’**(or ‘formally notify’): form of communication between the parties 
  made in writing by mail or email, which provides the sender with compelling evidence that 
  the message was delivered to the specified recipient; 
  
  **‘Fraud’:**an act or omission committed in order to make an unlawful gain for the 
  perpetrator or another by causing a loss to the Union's financial interests, and relating to: 
  i) the use or presentation of false, incorrect or incomplete statements or documents, which 
  has as its effect the misappropriation or wrongful retention of funds or assets from the 