2017 Global Citizenship Report Executive Summary

Conduct and Culture For nearly a decade, we’ve strived to reinforce a culture based on ethics and execution across our businesses. We have invested in improving controls, including related to risk, compliance and audit, and our progress in these areas is enabling us to safely run and grow our business. In order to become an indisputably strong and stable company, we must ensure that all our employees, at all levels, are held accountable to the highest standards of ethics and professional behavior. Only then can we deliver the best possible results for our clients and communities. In addition to complying with all applicable laws and regulations, we communicate and implement our standards for conduct and culture through a variety of methods, including our Code of Conduct, various ethics programs and compliance risk management. We also devote resources to ensuring fair consumer practices through our policies. They are in our clients’ interests They create economic value They are always systemically responsible WE ASK OUR EMPLOYEES GLOBALLY TO ENSURE THAT THEIR DECISIONS PASS THREE TESTS 8