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•giving access may unreasonably impact upon the privacy of others
•giving access would prejudice a legal investigation
•giving access would be against the law
•the information relates to legal proceedings between ANZ and the individual, and the court would not require ANZ to disclose the information to the individual as part of that litigation
•it reveals ANZ's intentions relating to negotiations with the individual in a way that would prejudice the negotiations
•providing access would be likely to prejudice the investigation of a possible crime
•giving access would reveal information about ANZ's commercially sensitive decision making processes
•giving access would pose a serious and/or imminent threat to the life or health of any individual
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