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of any misappropriated monies should be made to the customer. Notification should
also be made to the Group’s insurers.
You should also be aware that any information or evidence gained from such
monitoring may be admitted as evidence in disciplinary situations.
3.3 Communications
You are expected at all times to maintain the highest standards of professionalism and
integrity in all that you do, including your communications with colleagues, customers,
clients and the public. These standards apply to communications that are verbal, written
(e.g. memo, letter, report) and electronic (including, but not limited to fax, e-mail,
mobile phone text messages, telephone, voicemail or the internet). If sensitive or
confidential information needs to be sent by email to external parties it should only be
transmitted using encryption because unencrypted data could be intercepted and used to
commit fraud and/or to damage the reputation of the bank.
3.4 Personal Finance
You are expected at all times to conduct your personal finances in accordance with the
bank's rules and conditions under which financial facilities are granted to you.
You must not borrow money by overdrawing your bank account without prior
authority. If you are in financial difficulty, you must consult Customer Credit Services
or your account-holding manager for advice immediately.
The rules and conditions under which financial facilities are granted to you by the bank
from any source are set out in appropriate application forms and/or will be provided to
you at the time the facilities are granted to you. All employee borrowing is subject to
customer lending criteria.
You must not borrow from, or lend money to, customers or other employees except in
the course of authorised business.
You must not gamble, except for very modest stakes, and must never put yourself in a
situation where you are financially reliant upon the outcome of a bet or financial
speculation.
You must gain the prior agreement in writing of your General or Executive Manager if
you wish to be a personal guarantor for any loan.
3.5 Commitments Outside the Bank/Dual Employment
You must gain the prior agreement in writing of a Senior Manager if you wish to:
• take or continue with an additional job either inside or outside the bank;
• become or remain a director of a company;
• engage in any other business – this includes business activities undertaken by
whatever medium, including business interests in internet web sites; and/or
• act as an executor, or administrator, attorney or trustee (except for near relatives i.e.
spouse, partner, mother, father, grandparent, brother, sister, child, grandchild).
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