A regional bank's automated loan-approval system must ensure that applicants from different neighborhoods with similar financial profiles receive similar approval outcomes, and separately must ensure that applicants' income statements and identity documents are encrypted and accessible only to authorized staff. Which two Responsible AI principles are most directly addressed by these two requirements? (Select TWO.)

The correct answers are the fairness principle, described as comparable applicants receiving comparable treatment regardless of group membership, and the privacy and security principle, described as protecting sensitive personal data from unauthorized access. The first requirement, that applicants with similar financial profiles get similar outcomes regardless of their neighborhood, is a direct statement of the fairness principle, which calls for AI systems to treat comparable people comparably and avoid embedding unjustified disparities, such as ones that could correlate with neighborhood demographics. The second requirement, encrypting income and identity documents and restricting access to authorized staff, is a direct statement of the privacy and security principle, which calls for protecting personal data from misuse or unauthorized exposure. The inclusiveness choice is incorrect because inclusiveness concerns designing systems that people of varying abilities and backgrounds can actually use, such as accessible interfaces, which is not what either requirement describes. The reliability and safety choice is incorrect because reliability and safety concerns the system performing consistently and safely under expected operating conditions, such as handling unusual inputs gracefully, which is a different concern from equal treatment across applicants or data protection. The scenario maps cleanly to fairness and privacy and security, with no overlap into the other two principles.