A bank decided to utilise AI (artificial intelligence) to determine whether they would reject or accept the loan applications they receive. But some senior managers of the bank secretely agreed to design the AI algorithm in such a way that it will reject applications from some sepecific locaiton of the state automatically, cleverly concocting a reason why their applications are rejected (i.e. AI's natural language processing function will produce some statements looking reasonable but hiding the fact that the applicants' current location). Explain the problems with the bank's AI algorithm against Australia's AI ethics framework.