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GOVERNANCE

               WHISTLEBLOWING


               REPORT












               the Board of access Bank expects all its

               employees, management, board members and

               other stakeholders to observe high ethical
               standards in all their dealings with the Bank.


























                                                                        Accordingly, the Bank has established a Code
                                                                       of Ethics that stipulates the minimum stand-
                                                                      ards  of  conduct  expected  of  our  staff,  man-
                                                                     agement and directors as well as vendors, and
                                                                   customers in their interaction with the Bank. All our
                                                                  stakeholders are expected to observe the Code of
                                                                Ethics in their dealings with the Bank.

                                                              We have implemented a whistleblowing policy to support
                                                            the detection, reporting and investigation of unethical behav-
                                                           iours within the Bank. All stakeholders are expected to comply
                                                         with the standards described in the policy in the reporting of sus-
                                                        pected or actual unethical conduct or wrongdoing within the Bank.
                                                       The whistleblowing programme is designed to encourage stake-
                                                     holders to report any malpractice or misconduct which they observe
                                                    or suspect within the Bank. The policy assures the whistleblower that his
                                                  report will be treated with utmost confidentiality and seeks to encourage
                                                 the reporting of concerns where the interest of the Bank and its stakeholders
                                               is at stake.

                                             The implementation of the policy is therefore fundamental to strengthening stake-
                                           holders’ confidence in Bank’s professional integrity and reinforces its ethical values. It
                                          provides an avenue to address bona fide concerns that stakeholders may have about
                                         the Bank while also offering whistleblowers protection from victimization, harassment


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