Our Core Values Mean Something

Successful organizations often have a clear set of values. We are no exception. We aspire and try to better year-on-year. However, we must acknowledge that just talking about our values and putting them on our website is one thing. Actually embodying them is entirely different. Ensuring that we live our values from the top to bottom is something we hold dare.

Below are our core values:

• We exist to take care of our customers' financial needs.
• We believe that achieving complete customer satisfaction through service excellence is the key to our success.
• We consider the customer first in all our decision-making.
• We recognise and serve diverse groups of customers according to their distinctive needs.
• We build and sustain relationships that are satisfying to our customers.
• We innovate to anticipate our customers' future requirements.

• Integrity is at the core of all our relationships. We build trust and confidence in our customers, suppliers, shareholders, the general public and among ourselves.
• We consistently demonstrate personal integrity through honesty, trustworthiness, fairness, confidentiality and openness in everything that we do.
• We deliver accurate, reliable and customer-friendly products and services.
• Our business processes and practices support service excellence while protecting the interests of our customers, employees and shareholders.

• The more respect we demonstrate to one another, the higher the quality of our working relationships.
• We listen actively to one another and respond appropriately.
• Our communications with one another are open, timely and professional.
• We provide the authority, training, tools and encouragement so that each of us can do our best to serve our customers.
• We create challenging opportunities for our growth and development.
• We recognise, value and reward contributions.

• Our professionalism is the foundation of our superior individual and corporate performance.
• We each take ownership and personal responsibility for all that we do.
• We continually develop ourselves to maintain leading-edge capabilities.
• We apply our extensive industry knowledge and technical competence to our competitive advantage.
• We consistently produce results of the highest quality.
• We are positive, confident and objective in all our business interactions.

• We engage in business to provide superior returns to our shareholders.
• We focus on achieving results that add the best possible value for all our stakeholders.
• We are cost-conscious in all our activities.
• We continually improve on what we do to serve our customers.
• We use the power of teamwork to improve results significantly.
• We aggressively pursue market share, growth and industry leadership.