Banking Code of Practice - Setting the standards of practice for

If you are a Small Business or an individual and the of the change, unless we are not able to because rules in the National Credit Code about statements of the interest rate is calculated according to a money account do not apply to your Loan or credit account, market or some other external reference rate, or a then we will give you a statement of transactions on rate otherwise designated as a var. [...] We will tell you how to apply for a Loan, including the being a co-borrower and a Guarantor; following: b) have taken into account the reasons why you want a) the information we require; and to be a co-borrower; and b) after we have received the information we have c) are satisfied that you are not experiencing financial requested, how long before we are likely to make abuse. [...] However, we can accept the guarantee earlier if: the guarantee documents to the borrower, or to a) you or your lawyer confirm to us that you have someone acting on behalf of the borrower, to received independent legal advice about the arrange for you to sign the guarantee. [...] If you are a Director Guarantor (other than a Sole Guarantor; or Director Guarantor) we will tell you that you have the d) you are a Director Guarantor and you choose to right to receive the documents in paragraphs 103 sign and deliver the guarantee earlier. [...] To allow us to determine that you are a Deceased a) how to notify us of a customer’s death; Estate Representative, to share information with b) who has authority to access the customer's you and to take your instructions concerning a account(s) or Loan details; deceased’s accounts, we will usually require proof c) what information we need to verify the of identification together with the following.