Let us start by looking at how you can ensure compliance with the CBP disclosure requirements when assisting Minh with her enquiry.

Minh has asked you for information about the Bank's savings and investments products. Under the CBP, you must provide Minh with:

• The terms and conditions
• Full details of standard fees and charges
• Particulars of any applicable interest rates
• General descriptive information concerning our banking services, for example, what are our account opening procedures and what are our obligations regarding the protection of a customer's privacy.

This information is contained in disclosure documents like the Terms and Conditions (T&Cs) booklets and Product Disclosure Statement (PDS). A PDS is a document designed to inform customers like Minh about the benefits, risks, features and characteristics of banking services. It also covers other prescribed information such as dispute resolution procedures.