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attributes that are not including work clothing as determined by
                 the Management that may cause negative impact to the Bank.
              5.  Ethics (Please also refer to the Bank’s Compliance Rules)
                 Every Employee is required to maintain good moral conducts in
                 their working relations with colleagues, superiors and
                 subordinates as well as customers.
                 Preservation of good morale and a sound working spirit within the
                 Bank’s environment is in conformity with the Bank’s compliance
                 rules, manpower laws, and prevailing Banking regulations.

                                         Article 12
                              Working Days and Working Hours

              1.  Working Days
                 a.  The Bank’s working days shall be 5 working days per week or
                     8 hours a day or 40 hours a week.
                 b.  Except as otherwise determined, the  working days are
                     Monday until Friday.
                 c.  Saturday and Sunday are weekly holidays.
                 d.  The working hours shall be 08.00 am - 17.00 pm.
                 e.  Lunch break is set  for 1 hour that can be  taken alternately
                     between 11.00 am to 14.00 pm.
                 f.  Moslem Employees shall be entitled to attend religious
                     service on Friday  between 11.30  am  -  13.30 pm, including
                     lunch break.
                 g.  Management can change working hours in accordance with
                     the bank’s needs and changes made will be announced in
                     writing to Employees.
              2.  Employees are obliged to register when will entering and leaving
                 the Bank's environment on the attendance machine.
              3.  If for any reason the attendance data does not exist, then when
                 leaving the Bank’s environment, Employees shall do recording by
                 filling out the  attendance  confirmation provided by the  Human
                 Resources division through Human Resources Information System
                 (HC Plus).
              4.  Employees are required to commence Job at the commencement

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