As I mentioned earlier, the Congress required that any securities transactions under the exception be effected either in the bank's trust department or in another department that is regularly examined by bank examiners for compliance with fiduciary principles and standards.
Pillar 2: Public Property Rights, aims to expand the guarantee thus people could access credit from formal financial services. c.  Pillar 3: Financial Intermediation Facility and Distribution Channels aims to expand the range of financial services to meet the needs of the different groups of people.