MAS Guidelines for Banks

I think this is a good step towards achieving some sanity in terms of bank sales staff and their dealings with bank customers. Please read, thanks. Actually, when something goes wrong in a bank, eg a customer feels that he/she is being treated unfairly because certain crucial information was not conveyed to him/her when he/she first signed up for the bank products and subsequently made a loss, the senior mgt are the ones who should be responsible for the bulk of the blame, not the sales staff.
Just imagine, eg a person wants to slim down and goes on a diet, but when he/she sees a tasty-looking ice-cream or cake, which contain alot of calories, and picks it up with his/her hands and puts it into his/her mouth and eats it, who is at fault? The hand that picks it up or the brain of the person which controls the hand?