Article Three: Design and Development of Savings Products

1 . When designing and developing savings products, the bank must comply to the following: 1.1 Product design quality, and the principles of disclosure and transparency in its presentation and offering. 1.2. Continuous evaluation of the product's effectiveness and risks based on specific performance indicators. 1.3. Transparency, clarity and accuracy in all product documents, including agreements and initial disclosures. 1.4. Flexibility in the terms for customers to obtain and benefit from the product, or cancel it. The bank should make the product available through digital channels and should not require the customer to have or open a current account, except for products that necessitate such mechanisms, like those involving automatic deductions. 1.5. Inclusiveness of products a various customer segments, including those with low income, foreign residents, and individuals under the age of eighteen. 2. The bank should give importance to savings products in its product development process, considering the best local and international standards and practices in this regard.