---

Vision To become a company where the best people want to work, the first choice where customers want to do business, and where shareholders are happy with their investment. Mission To be partners of growth for all our stakeholders We will achieve this through: Meeting our Customers? expectations Motivating & developing every employee. Enhancing shareholder value Culture ?Nurture a culture of fairness to our partners?. This is with regard to three key relationships: Employee ? Employer Customer ? Bank Shareholders Strategy Consciously develop an image of an institution genuinely interested in long term relationships ? being proactive and responsive to customers? requirements and expectations.

---