| Banker's Fair Practice Code
Introduction
l Our key commitments to you l
Information l Interest Rates l Charges
l
Terms and Conditions l Advertising
and Marketing l Account Operations l
Cards and PINs l Protection
l
What you can do to protect your accounts l
Loans and Advances l Further Assistance
l Monitoring l
More Information about the Code l Annexure
Loans and Advances
Before we lend you any money or increase your overdraft, credit card
limit or other borrowing, we will assess whether we feel you will be able to repay it.
If we offer you an overdraft, or an increase in your existing overdraft
limit, we will tell you if your overdraft is repayable on demand or otherwise.
Wherever possible, reasons for rejection of loans will be conveyed to
you.
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