We promise we will treat you fairly and reasonably when providing you with all products and services covered by our Code of Practice. We will keep this promise by meeting all of the key commitments shown below.

We will:

• make sure that our advertising and promotional literature is clear and not misleading and that you are given clear information about our products and services
• give you clear information about accounts and services, how they work, their terms and conditions and the interest rates which may apply
• help you use your account or service by sending you regular statements (where appropriate) and will keep you informed about changes to the interest rates, charges or terms and conditions
• treat all your personal information as private and confidential and provide secure and reliable banking and payment systems
• provide new members with a copy of this Code on account opening, have copies available within our Branches and make sure that our staff are trained to put it into practice

To meet these promises, we will, as a minimum, take the steps to meet the standards set out in our code.