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Code of Conduct

This document provides a code of conduct for AZ Holding S.p.A. and its subsidiaries. It outlines principles for ethical behavior, conflicts of interest, confidentiality, social responsibility, and compliance with laws. Employees and partners are expected to act with integrity, fairness and transparency. Any violations of the code of conduct, such as corruption, could result in disciplinary action or termination of contracts.

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AZ Holding is an Italian group focused on credit and anti-fraud services, intelligence and security, and heritage protection. It has over 40 years of experience and provides services to major financial institutions, funds, companies, and SMEs. The group utilizes its expertise in non-performing loans and proprietary databases to achieve excellent recovery performance across asset classes. It has experienced strong growth through strategic acquisitions and investments in new technologies and business areas.

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The conference, jointly organized and run by AZ Holding Group and PwC, aims at exchanging opinions on aspects related to the value of information, limits deriving from the availability and access to databases, legal issues, the need for risk awareness in credit reliance and, finally, the necessity for more efficient credit recovery curves. The meeting represents an opportunity for discussion between Originators, Buyers, Credit Servicers, Credit Managers, Lawyers, Information Providers and Consumer credit companies or Banks - players that need to operate with commercial information in the field of both credit reliance and recovery.

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