1. Compliance with Laws and Regulations

During the course of performing given duties, executives and employees shall fully understand and comply with applicable laws and regulations as well as bylaws of the bank, and shall exercise the due care of a good manager.

2. Sincerity and Diligence

Executives and employees shall accept honesty and trustworthiness as the highest values and perform given duties with sincerity and diligence based on the principle of good faith.

3. Sound Work Ethics with Integrity

Executives and employees shall maintain lifestyle of integrity and within given means at all times, and shall not engage in speculative property investment or draw excessive loans.

4. Maintenance of Credibility and Dignity

Executives and employees shall maintain their dignity through discreet manners and behaviors, and shall refrain themselves from becoming a subject of criticism or inflicting damages to credibility and reputation of the bank due to unethical acts.

5. Self-Development and Mutual Cooperation

Executives and employees shall endeavor to elevate their personal characters and innovate themselves by learning work-related knowledge and to maximize job performances through cooperation and harmony based on mutual respect and seamless communication with each other.

6. Prohibition of Unjust Directive

Executives and employees shall not impose unjust directives or requests upon their subordinates or fellow workers during the course of performing duties, and anyone who receives such directives or requests shall not comply with them.

7. Accident Reports

When executives and employees discover unfair practices or become aware of the possibility for such practices, they shall immediately report the above according to proper procedures, shall make their best efforts to resolve such issues, and shall not conceal any wrongdoings.

8. Matters to Abide by during Outside Activities, such as Lecture and Contribution

When intending to engage in outside activities, such as lectures and article contributions, in relation to job duties, executives and employees shall attain approval from the head of affiliated department under the consideration of potential impacts on the bank.

9. Obligation to Prevent Conflict of Interests

Executives and employees shall make efforts to prevent conflicts of interests with the bank, shareholders and customers, and shall handle the situation in accordance with proper procedures when conflicts of interests are anticipated.

10. Obligations Following Expiration of Employment Agreement

Upon resignation or retirement from the bank, executives and employees shall take follow-up measures, such as return of work-related materials, and shall not engage in any acts violating interests of the bank and customers after resignation or retirement.

11. Ban on Workplace Harassment

Employees shall not be engaged in harassment that causes physical or mental discomfort to other employees or worsens the working environment.