Schedule A
Operational Risk (as set out in Regulation 25)
Table 25(B)
Event-Type
|
List of activities
|
Internal fraud
|
| • | Losses due to acts of a type intended to defraud, misappropriate property or circumvent Regulations, the law or company policy, excluding diversity/discrimination events, which involves at least one internal party |
|
External fraud
|
| • | Losses due to acts of a type intended to defraud, misappropriate property or circumvent the law, by a third party |
|
Employment Practices and Workplace Safety
|
| • | Losses arising from acts inconsistent with employment, health or safety laws or agreements, from payment of personal injury claims, or from diversity/discrimination events |
|
Clients, Products & Business Practices
|
| • | Losses arising from an unintentional or negligent failure to meet a professional obligation to specific clients (including fiduciary and suitability requirements), or from the nature or design of a product |
|
Damage to Physical Assets
|
| • | Losses arising from loss or damage to physical assets from natural disaster or other events |
|
Business disruption and system failures
|
| • | Losses arising from disruption of business or system failures |
|
Execution, Delivery & Process Management
|
| • | Losses from failed transaction processing or process management, from relations with trade counterparties and vendors |
|
