1. The code of morality and ethics is a code of conduct stipulated by the Bank. All Bank employees must familiarize themselves with these codes and must abide by them at all times while employed by the Bank.

2. A notification is circulated notifying all employees and holds these codes as benchmark for conduct while under employment. Superiors are tasked to observe and assess observation of these codes by their staff. Violators are subject to be reprimanded and penalized.

3. The code as laid forth is not all encompassing and is considered to be the task of employees of all levels to use personal judgment to determine the correct course of action in any given situation. Questions to pose to determine the correct action:
     (1) Whether the course of action taken is moral, legal and is in compliance with guidelines stipulated by the Bank.
     (2) Whether the course of action increases personal integrity and that of the Bank and of others.
     (3) Whether the course of action is socially acceptable and can be openly disclosed.

If the answers to the above 3 questions are "YES", then and only then is the action to be taken considered appropriate.