At Liberty Bank, we take seriously the position we hold in helping serve as an engine of growth and success for over 1.5 million individuals and over 76,000 businesses.

One way we demonstrate that is through our commitment to upholding the highest standards of corporate governance and ethical conduct. That includes our efforts to always do business the right way for our customers and shareholders and to help our junior staff clearly understand the values and ethical standards that guide our Bank every day.

Our Supervisory Board provides oversight of the Bank's affairs and constantly works to improve and build on the Bank's corporate governance practices.

Our management processes, structures and policies help ensure compliance with laws and regulations and provide clear lines of sight for decision-making and accountability. These disciplines, though, together represent just one dimension of governance. The other dimension is our corporate culture. Our corporate culture must be championed by leaders and sustained by every single employee.

One way we build and protect our culture is by aggressively promoting our Bank's core values to junior employees, as well as our corporate code of conduct. We also know that actions speak louder than words. We foster a culture of openness, in which healthy debate is encouraged and junior staff are expected and required to report improper activity. We do not hesitate to separate ourselves from individuals who violate our values or ethical standards, regardless of performance or potential.

As we work to serve our customers and generate returns for our shareholders, we understand that success is only meaningful when it is achieved the right way, with the right values. Our commitment to this principle is the key to sustaining public trust and confidence in our Bank and the key to our long-term success.