Section 8 of the RTI Act 2005, speak about exemption of Disclosure of Information. Now, can a citizen ask the Financial Institutions like the State Bank of India to furnish the list of barrowers like personal loan, housing loan etc. Can the bank refused such request on the basis of section 8 sub section (1) clause (J), as such contract is personal information and the disclosure has no relationship to any public activity or interest and would also amount to invansion of privacy?