following: security (in terms of both business continuity and physical security in branches), labelling of products and services (in the sense of providing customers with transparent information), marketing communications (above all in terms of the proposals being appropriate to customer needs and profiles and the appropriateness of the commercial contact), respect for privacy (from the viewpoint both of protecting IT systems from data loss or unauthorised access to data and respect for customer consent for processing personal data for commercial and marketing purposes) and, in general, compliance with legislation and regulations – including voluntary codes of conduct – which govern the sale and use of products and services.