35. Conflicts of Interest

From time to time, the Bank or, an appointed agent of the Bank, may conduct a transaction for the Account Holder where the Bank or another of the Bank's Account Holders has an involvement that may conflict with the Bank's duty of care to the Account Holder. The Bank will ensure that any such conflict does not in any material way affect the transaction conducted for the Account Holder. Where the Bank is unable to avoid or manage such a conflict, the Bank will let the Account Holder know before undertaking the transaction on behalf of the Account Holder. In this respect, the Bank has established a "Conflicts of Interest Policy", details of which are available on request.

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