Code of Ethical Conduct
Kaiser Federal Bank is a thrift institution formed for
the purpose of encouraging savings by offering a good
return, using collective monies to make loans at competitive
interest rates to customers and providing other services
on a cooperative basis. Customers democratically operate
the institution under state and federal law and regulation.
Kaiser Federal Bank will conduct its affairs in accordance
with this purpose and uphold its fundamental commitment
to serving its customers; it will observe the highest
standards of responsibility and conduct as prescribed
by the following principles:
Obligations to Customers
- Provide the highest level of personal financial services
in a courteous and professional manner and give equal
consideration to all individuals irrespective of race,
ethnicity, color, national origin, gender, sex orientation,
religion, age, disability, social or economic level.
- Encourage thrift and savings and protect the assets
placed in its care and custody.
- Provide loans at the least possible cost in the exercise
of the wise use of credit.
- Practice and maintain high standards of sound management,
including effectiveness, efficiency, integrity and
economy of operations.
- Adhere to democratic and cooperative principles within
the institution and encourage and facilitate active
participation in its democratic process.
- Provide customers with timely and accurate information
regarding the financial conditions, operations and
services of the institution and of their individual
accounts and transactions.
- Preserve and protect the privacy, confidentiality
and security of all customers' financial records and
transactions (paper and electronic). Disclosure of
financial conditions or transactions will be made only
with the written consent of the customer, due legal
process, or in accordance with law.
- Abide by the letter, spirit and intent of state and
federal consumer protection laws and regulations and
provide customers with complete, accurate and proactive
information regarding their rights.
- Increase the knowledge and ability of customers to
manage and control their financial well-being through
counseling and by providing educational information,
materials and programs.
- Provide a safe and harassment-free business environment
for employees and customers.
Obligations to Society
- Participate in community affairs as a responsible
member of the society in which the institution is a
part.
- Support and participate in programs, which favorably
affect the society, citizens and communities served
by the institution and to the fullest extent possible,
seek solutions to its social problems and concerns.
- Make services available to as many people as possible.
Standards of Leadership for Officials and Staff
- Observe the highest standards of personal conduct
at all times.
- Strictly uphold the laws, by-laws, rules, policies
and regulations relating to the operation of Kaiser
Federal Bank.
- Guard against the use of the institution's position
for personal or financial advantage or special privilege
and avoid conflicts of interest with its policies or
operations.
- Carry out the duties and responsibilities of the
institution's position to the best of one's abilities
and seek out and participate in opportunities to increase
knowledge and skill.
- Adhere to open, democratic procedures in the election
of officials and in their formulation of Kaiser Federal
Bank's policy and practices.
