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Functions such as email exchange, web access and database access are built on the client / server model.
Users accessing banking services from their computer use a web browser client to send a request to a web server at a bank.
That web server runs a program which may in turn, forward the request to its own database client program, which sends a request to the bank's database server ( which runs on another computer ) to retrieve the account information.
The balance and transaction records are returned to the bank database client, which in turn serves it back to the user's web browser client, displaying the results to the user.

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