1- Clause 4 of the CBA Mortgage Broker's Code of Conduct says: "I will personally interview and identify (under AML/CTF requirements) all customers, including those introduced to me via any referral source."

Why will compliance with this clause help to maintain CBA's ethical standards.

(Outline the organisation's social, business, and ethical standards relevant to building relationships and business).

2- Explain some of the benefits of entering into a referral partner negotiation on the basis of not having a set of preconditions, assumptions, or expectations for gaining agreement.

(Describe effective interpersonal skills, and negotiation and communication principles).

3 - Identify and describe 3 reasons a mortgage broker might benefit for joining an industry association, such as the Mortgage and Finance Association of Australia.

(Identify relevant associations, conferences and other relationship building opportunities).

4 - The key to networking relationship development is to be a communicative, approachable, and open- minded person without prejudices, that is keen to exchange information with other individuals. Additionally, it is always helpful to set some goals that you want to achieve by business networking efforts.

Identify and describe some networking goals a new mortgage broker might have. (Identify relevant business contexts for networking and relationship development).

5 - Mortgage brokers generally provide their services free of charge to interested borrowers, and are instead compensated by lenders.

1. a)How might this arrangement lead to a conflict of interest?
2. b)What legal rights does a client of a mortgage broker have?

(Outline the key requirements of relevant legislation, regulation and industry/professional codes of practice that apply to relationship management).