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CODE OF ETHICS OF BBVA BANCO FRANCES AND ITS GROUP OF COMPANIES IN ARGENTINA

Approved by the Board of Directors on December 18, 2003

1. INTRODUCTION

1.1 The Board of Directors of BBVA Banco Francés believes that Corporate Integrity, meaning the systematic compliance with the company's strict ethical standards, represents a source of stable value creation and a major requirement for preserving the confidence of the public in any institution. 

1.2 The Code of Conduct of BBVA Banco Francés and its group of companies in Argentina (hereinafter, the "Code") defines and elaborates the ethical foundations that the Board of Directors of BBVA Banco Francés believes the entity must apply to businesses and activities of BBVA Banco Francés and its group of companies in Argentina, and the necessary rules of conduct that must reflect Corporate Integrity in the relationships with customers, employees, suppliers and third parties (relational integrity); the different market activities, both as issuer and market player (market integrity); through the individual activity of employees and executives (personal integrity) and the creation of specific bodies and positions in charge of enforcing the Code and promoting the actions aimed at efficiently preserving the overall Corporate Integrity (organizational integrity). 

1.3 The adequate application of the Code requires the employees' and executives' acquaintance with its contents, its supplementary developments and the relevant laws applicable to their activities in connection with their responsibilities with BBVA Banco Francés and its group of companies in Argentina. 

1.4 Any question on the interpretation of this Code's content or any issue related to how to solve situations not specifically described therein, should be discussed with the relevant senior officer or, if appropriate, with the offices of Legal Counseling or Compliance. 

1.5 Notwithstanding any other liability that might arise, the failure to comply with criteria and rules of conduct provided for in the Code may result in disciplinary penalties in accordance with the applicable employment laws. 

1.6 The Code shall take effect 10 days after being approved or its contents being adhered to by the Board of Directors.

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