Shareholders' rights are observed through equitable treatment of all shareholders and compliance with all legal requirements. Transparency and equitable treatment serve as basis for which Ordinary Shareholders' Meetings are conducted.

1. Time, date and place for Ordinary Shareholders' Meeting to be held
The Board of Directors determine the time and date for which the Bank's Ordinary Shareholders' Meeting is to be convened, which can be held at the Bank's Head Office or other convenient locations during the Bank's business hours.

2. Invitation to the Bank's Ordinary Shareholders' Meeting
The Bank is responsible for making available to its Ordinary Shareholders the date of the set Meeting, the agenda, the Board of Directors'comments and other necessary documents to make a coherent decision for each agenda prior to the Meeting date. This corresponds to requirements as stipulated by the various government agencies.

3. Meeting Attendance and Registration
Each and every shareholder or their proxy has the right to participate in the Ordinary Shareholders' Meeting and to freely vote and voice their opinion. Shareholders are given the opportunity to pre-register for the meeting and the registration process is made simple and speedy.

4. Questions and Answers, Comments, Votes and Recording of the Minutes
Shareholders are given equal chance to ask questions or to freely make suggestions and/or comments regarding the Bank's operations. All votes are cast in a 1 share 1 vote system. The proceedings, questions and answers, comments and suggestions along with the outcome of the vote are recorded for each agenda and can be reviewed by all parties.

5. Attendance of the Members of the Board of Directors in the Ordinary Shareholders' Meeting
All members of the Bank's Board of Directors are required to attend the Ordinary Shareholders' Meeting and to provide shareholders with complete and sufficient information regarding various issues. Members of the Board are also keen to hear shareholders' comments and suggestions and to reply with correct information to questions posed by shareholders.