Financial Groups shall implement group-wide programs with respect to combating the Crime. Such programs shall be applicable and appropriate to all its branches and majority-owned subsidiaries. In addition to the measures mentioned in Article (20) of this Decision, these programs should also include the following:

1. Policies and procedures for the exchange of information required for the purposes of CDD and risk management of the Crime;
    
2. The provision of Customer information, accounts, and Transactions from the branches and subsidiaries to the compliance officers at a Financial Group level, whenever necessary for the purpose of combating the Crime.
    
3. Provision of adequate safeguards on the confidentiality and use of the information exchanged.