- Ethical Code:  one copy of the Ethical Code was delivered to each employee.

- Ethical Committee:  The Administrative Council’s Board President, the Ethical Committee’s President and the Compliance Manager are permanent members of the Ethical Committee.

- Claiming Service with the objective of receiving both customers and employees’ claims and responding to them in a reasonable period of time.

- Compliance Agent:  All branches and departments of the bank have a compliance agent.

- Customers’ Accounts:  There is an internal rule establishing procedures for opening customers’ accounts.

- Customers’ Credit Information:  There is an internal rule establishing procedures for obtaining both individual and corporate documents for opening accounts in order to identify properly all new accounts.

- Policies on Laundry Money Prevention.

- Policies on  Employees’ training on Laundry Money Prevention.

- Policies on “Know your customer”.

- Policies on “Know your employee”.

- Policies on Information Safety:  All employees are duly informed in respect to the secrecy on clients’ data and all and any information of the bank.

- Policies on risk mitigation.

- Policies on preparing, maintaining and updating internal rules.

- Policies of utilizing computer facilities.

- Semi-annual Report on Compliance, Complaining Service and Internal Audit activities to the Administrative Council’s Board.

- Notices to Compliance:  There is available in the bank’s intranet a link in which it is possible for any employee to send a notice to the Compliance Department informing any transaction which may be considered a suspicious transaction.

- Internal Controls and Illicit Transaction Prevention Committee – which evaluates all customers’ transactions, including employees and PEP. The Committee also evaluates internal controls procedures.

- All policies and procedures are duly disclosed in the bank’s intranet at the employees’ disposal.