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Section B. Commercial practices and risk monitoring

General principles

(8) The Credit Policy shall specify that all customers shall be treated fairly through non-discriminatory procedures other than those related to credit risk and ability to pay. The Credit Policy defines the thresholds above which the granting of loans must be approved by higher levels of management. Similar thresholds shall be defined regarding the restructuring of loans and the handling of claims and litigations. The Credit Policy shall centralize in selected centres the decision-making process at national level, and provide clear safeguards to ensure a consistent implementation of its instructions within all the Greek banking activities.

(9) For all the Greek banking activities, the Bank shall fully incorporate the Credit Policy rules in their loan origination and ** loan refinancing workflow and disbursement ** systems.