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26

Customer consultation

We will regularly reappraise customers’ views on these and other

issues and develop our Ethical Policy accordingly. From time to

time, we will seek to represent our customers’ views on the issues

contained within our Ethical Policy and other ethical issues, for

example, through our campaigning activities. On occasion we will

make decisions on business involving ethical issues not included

in our Ethical Policy. The Bank may also, from time to time, make

changes to our Ethical Policy and we will disclose those changes

in an open and transparent manner.