voluntary	codes	of	conduct	and	codes	of	ethics	 that	 the	 Bank	has	adopted:	e.g.,	the	Hellenic	Bank	Association's	(HBA)	 Code	of	Ethics	on	the	promotion	and	advertising	of	financial	 products	and	services	offered	by	credit	institutions	-	members	 of	the	HBA.