Trained and Competent Staff

### Trained and Competent Staff Our staff and representatives will be trained and competent, including in matters related to the Code. We will ensure that they: a) Perform their duties competently; and b) Understand the Code and how to adhere to it while providing banking services. ### How Our Staff Will Engage with You We will interact with you in a fair, reasonable, and ethical manner. ### Protecting Confidentiality #### We Will Protect Your Confidentiality We will fulfill our general legal obligations to safeguard your confidentiality. Additionally, our privacy policies will be accessible on our website. ### Compliance with Laws #### How We Will Comply with the Law and the Code If the Code imposes an obligation beyond those required by law, we will adhere to the Code unless it causes a legal breach. ### Closing a Branch #### Our Commitments When Closing a Branch We will follow the ABA protocol when closing a branch. This protocol outlines our commitment to providing banking services to personal and small business customers in remote, rural, and regional areas. The protocol is available at: ausbanking.org.