12.9 You shall observe all reasonable propriety and etiquette in your communications with CIMB Bank or CIMB Islamic Bank and shall not communicate any obscene or defamatory information to CIMB Bank whether through CIMB Clicks or otherwise. 12.10 You shall keep yourself informed and updated of CIMB Bank's or CIMB Islamic Bank??s relevant and applicable policies and practices and other terms applica