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Article 12    Working Days and Working Hours          12

                        Article 13    Employee’s Rights                       13
                        Article 14    Employee’s Obligation                   13

                        Article 15    Management’s Rights                     14

                        Article 16    Management’s Obligation                 15
                        Article 17    Prohibitions for the Employees          15

                        Article 18    Bank Confidentiality                    16


      CHAPTER V         WORK FACILTY

                        Article 19    Work Equipments                         17



      CHAPTER VI        HOLIDAYS, LEAVES, AND PERMISSION
                        Article 20    Holidays                                18

                        Article 21    Annual Leave                            18

                        Article 22    Maternity / Miscarriage Leave           20
                        Article 23    Sick Leave                              21

                        Article 24    Pilgrimage Leave (Haj)                  21
                        Article 25    Permission to Leave Work with
                                                                              22
                                      Salary/Without Salary

                        Article 26    Five-Days Consecutive Off the Office    23

      CHAPTER VII       REMUNERATION

                        Article 27    Remuneration System                     24



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