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					Code of Ethics
Code of Ethics, PROFI CREDIT Slovakia, s.r.o.
Code of Ethics of PROFI CREDIT Slovakia, s.r.o. (hereinafter “company”)
determines basic rules of ethic behavior and norms of company policy in
relation to its employees, external cooperators and external environment.
Moreover, Code of Ethics provides a common set of professional ethical
principles to which employees and third subjects adhere according to their
contracts (Contract of cooperation and Contract of mandate) (hereinafter
“external cooperators”).
Preamble
The company observes the General ensemble of the basic attributes, rules and
approaches related to the business, in course of all its activities.

The company is conscious of the responsibilities to all the subjects that meet:
share holders, employees, clients, external cooperators, suppliers, competitors
and general public.

Company reputation and trust of all interested in face of the company belong
to the most important command sources. Our main activity is thus to protect
this values.

The company demand and take care of keeping the ethic standards and rules
by providing all its activities.

Corruption practices of any type are not allowed. Keeping the ethic norms is
continuously observed.

The company respects good manners and rules of the economic competition.
Financial statements of the company are authentic, right and in time.
Principles of behavior in commercial relation


 Employees and external cooperators cooperate with the company based
 on the Contact of cooperation and Contract of mandate. They provide
 their work honestly and according to the Legal order of the Slovak
 Republic.
 Employees of the company are obliged to obey the internal rules of
 the PROFI CREDIT Slovakia, s.r.o. company.
 Employees of the company properly and faithfully represent the company.
 Employees and external cooperators always proceed not to harm
 the company neither its good image.
 Employees and external cooperators protect company’s property and use
 it for the business activities only.
 Employees and external cooperators are obliged to avoid irregular actions
 or be a port of such action.
 Employees and external cooperators are not allowed to donate or
 accept material gifts from the third subject in connection with their
 business provide for the company PROFI CREDIT Slovakia, s.r.o. upon the
 Employment agreement, Contract of cooperation or Contract of mandate.
 In this connection they also not provide hospitality connected with
 feelings or expectations of personal liability.
 Information that employees and external cooperators cooperate with
 the company upon the Contract of cooperation or Contract of mandate
 receive from their activities for the company are not allowed to use them
 for the personal benefit or other interest, then for which were assigned
 on. This rule lasts even after termination their employment relation with
 the company.
 Their actions have to be in accordance with company requirement that are
 specified in codes, especially in the Code of protection of personal data.
 In communication with the third subjects they respect the highest level of
 discreetness and dismiss to talk about anything that will contravene this
 code.
 They are not using secret information they work with even after
 termination of the employment or contract relation with the company.
Relations between the company and employees
Relations to the employees are based on every man’s respect and dignity.
The company recruits the employee based on his qualifications for the
specific activity without any race, religious, national or other discrimination,
regardless of the flash-color, sex, age, status, or disability regarding to
the working assignments.
The company endeavor to present accurate scope of employment for the
employees, hiring process is thus provided liable and inform whereas is
possible about possible professional opportunities and career progress.
The company provides fair wage policy and manpower management as
a token of individual employees concerned on all company activities as well
as on producing common achievements.
The remuneration system should reflect individual dues of employee, as well
as the job performance of the particular department.
The company encourages its employees at all levels developing their
skills relevant for the appointment, supports them and takes care of its
professional development.
The company not allows any sexual, physical, psychical or other harassment
of the employees.
It is forbidden for the employees to provide any credit or loan to the persons
that are appearing any indication of distress, inexperience, mental weakness
or warmth.
   Behavior policy of the business network entities in
   negotiating with company clients and third persons
   Negotiating with clients and debtors the employees are not allowed
   to behave in way out of accord with the Declaration of Basic Rights
   and other legal regulations.
   The employees assert polite, correct and objective approach to all
   the company clients.
   The dealing has to be objective, without any preoccupation or
   preference resulted from personal regards of the employee.
   The employees provide consistent, faithful, undisturbed and meaningful
   information regarding the products offered by the company to all its
   clients.


Within the working activities the employees are not
allowed to provide following activities:
 Push the client in order to sign over the credit/loan.
 Purposely drive the client into an inadequate financial situation and thereby
 endanger the incoming ability to service the credit/loan.
 Use the violence or other illegal practices that physically, mentally or in other
 way distress clients or debtors, or other persons; their reputation or destroy
 their property.
 Use obscene, foul and rude language expressions.
 Inadequate urge upon children, pregnant wives, indisposed associates of
 clients and debtors, relatives of clients and debtors or other persons in order
 to receive information regarding unsettled claim, by which such dealing can
 cause any psychical harm.
 Phone the client or debtor without introducing.
 Record the phone conversation with the client or debtor without previous
 notice and agreement of the client or debtor.
 Unjustified publication of the list of debtors that are refusing to pay their
 claim.
 Publish the advertisement for factoring with the view of its reimbursement.
 Provide the credit/loan to the persons appearing any indication of distress,
 inexperience, mental weakness or warmth.
Relations with the competitors
 The company is acting white and fair in competing business.
 The company do not deteriorate the reputation of the competitors neither
 straight nor using suggestions.
 The company, its employees and external cooperators are not seeking
 to receive any information about competitors in illegal way.
 The company respects the right to material and intellectual property.
   Behavior policy of the collection network, collection
   coordinators in negotiating with company clients
   and third persons
   Negotiating with debtors the collection employees are not allowed
   to behave in way out of accord with the Declaration of Basic Rights
   and other legal regulations.
   The employees assert polite, correct and objective approach to all
   the company debtors.
   The dealing has to be objective, without any preoccupation or
   preference resulted from personal regards of the employee.
   The employees provide consistent, faithful, undisturbed and meaningful
   information to all the debtors.


Within the debt recovery activities the employees are
not allowed to provide following activities:
 Use the violence or other illegal practices that physically, mentally or in
 other way distress debtors, or other persons; their reputation or destroy
 their property.
 Purposely drive the debtor into an inadequate financial situation and
 thereby endanger the incoming ability to service the debt.
 Inadequate urge upon children, pregnant wives, indisposed associates
 of clients and debtors, relatives of clients and debtors or other persons
 in order to receive information regarding unsettled claim, by which such
 dealing can cause any psychical harm.
 Use the violence or other criminal practices that physically distress debtors
 their reputation or destroy their property.
 Use obscene, foul and rude language expressions.
 Phone the debtor without introducing.
 Publish the advertisement for factoring with the view of its
 reimbursement.
 Record the phone conversation with the debtor without previous notice
 and agreement of the debtor.
Observation of the Code of Ethics


One of the conditions to provide any activity for the company is inter alia
strict observation of the Code of Ethics.
Assigned employee of the company supervises all complains regarding
breaking the Code of Ethics from the side of the company employees.
In case of need, he ensures to take appropriate actions according to
the operating instructions.
Implications of breaking the Code of Ethics from the side of external
cooperators are listed in the contract between the company and individual
external cooperator and result also from the particular legal enactment
about compensation of damage.
This Code of Ethics comes into force on the day stated in specific company
internal regulation. For the company employee the Code of Ethics comes
into force on the day when the employee acquaints with its content.
For external cooperators of the company the Code of Ethics come into force
on the day in accordance with the update of general business conditions
following particular contract appointments of the Contract of cooperation
or subscribed amendment of particular Contract of mandate.




In Bratislava, 01. 12. 2007




Pavol Antálek                                             Milan Hiebsch
Company Executive                                         Company Executive

				
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