We may use the information, including personal information (excluding sensitive information),
provided by you for marketing and research purposes, to analyse and improve services and benefits,
and to inform you of services and benefits provided by us, our related entities or suppliers which we
consider may be of value or interest to you, unless you tell us, or have previously told us not to, we
will not use your sensitive information for these purposes without your consent. You can tell us at any
time if you no longer wish to receive direct marketing information or offers from us by informing the
Privacy officer.