| a. | Work Ethics: Ethical standards, rules and behavior that an employee has to comply with and show toward his/her work, colleagues and the society as a whole.
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| b. | Financial Institution: Banks, branches of foreign banks, insurance/reinsurance companies, foreign insurance companies, service providers, finance companies, financial lease registration companies and credit information companies, money exchangers centers operating in Saudi Arabia and supervised by SAMA.
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| c. | Financial Institution Staff: Members of the board and its committees, executives, regular or contract employees, consultants and third party employees.
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| d. | Stakeholders: Any person with an interest in the Financial Institution, such as shareholders, creditors, customers, suppliers and any third party.
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| e. | Professional Behavior: Carrying out job duties with honesty, objectivity and integrity and working continuously to achieve the objectives of the Financial Institution. It also means that practices conducted by employees shall be within their entrusted powers. Employees shall perform their duties in a manner that is free from negligence, and shall not violate laws and instructions, jeopardize the public interest or seek to achieve personal interest.
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| f. | Insider Information: Any information, data, figures or statistics, whether verbal, written or electronic, obtained or accessed by any of the Financial Institution Staff by virtue of his/her work nature or because of being an employee at the Financial Institution and which is/are not available to the public.
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| g. | Confidential Information, Data or Documents: Any information or documents that is/are not available to the public, including those related to the Financial Institution's work, administrative and financial arrangements or financial position.
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| h. | Conflicts of Interest: A situation in which the objectivity and independence of any of the Financial Institution Staff are adversely affected when performing his/her tasks by a personal, actual or potential, material or non-material interest that may relate to him/her personally or to one of his/her personal relationships. This situation also includes when the employee's performance is negatively influenced, directly or indirectly, by his/her personal considerations or after obtaining information related to a decision.
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| i. | Personal Interest: Any personal benefit that can be realized by any of the Financial Institution Staff by virtue of their work nature, position or granted powers.
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| j. | Disclosure: Disclosing the cases that must be disclosed as determined by the Institution's disclosure policy to the competent department at the Financial Institution by an employee.
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| k. | Legal Accountability: Holding a person accountable for the acts he/she commits in contravention of the laws and policies in force, and in such a way as to harm others or damage the interests of the institution in which he/she works.
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