Code of Ethics

Code of Ethics 1 . Background...................................................................................................................................... 2 1.1. Object....................................................................................................................................... 3 1.2. Scope......................................................................................................................................... 3 1.3. Principles.................................................................................................................................. 4 2 . Standards of Conduct.............................................................................................................. 6 2.1. General..................................................................................................................................... 6 2.2. External................................................................................................................................... 7 2.2.1. Shareholder, Regulatory Entities and Auditors........................... 7 2.2.2. Community........................................................................................................... 7 2.2.3. Clients....................................................................................................................... 8 2.2.4. Suppliers................................................................................................................. 8 2.2.5. Partners................................................................................................................... 8 2.2.6. Media........................................................................................................................ 9 2.3. Internal..................................................................................................................................... 9 3 . Conflicts of Interest................................................................................................................... 11 4 . Transparency and Preventing Corruption.............................................................. 13 5 . CombatingMoneyLaunderingandtheFinancingof Terrorism.............................. 16 6 . Preventing and Combating Harassment in the Workplace........................... 17 7 . Personal Data Protection......................................................................................................... 18 8 . Social Responsibility.................................................................................................................. 20 9 . Communicating Irregularities............................................................................................. 21 10 . Compliance with the Code of Ethics...................................................................... 22 11 . Final Provisions............................................................................................................................ 23 11.1. Subsidiarity...................................................................................................................... 23 11.2. Interpretation andMonitoring............................................................................. 23 11.3. Approval, Publication, Circulation....................................................................... 23