The Charter of the Board of Directors articulates and sets forth with specificity the governance and oversight responsibilities exercised by the directors and their roles and functions in a company together with provisions on board composition, board committees and board governance subject to provisions of the corporation's articles of incorporation, by-laws and applicable laws. The charter is not intended to limit, enlarge or change in any way the responsibilities of the board as determined by such articles, by-laws and applicable laws.

In this respect, the Board Charter of the bank is incorporated within the provisions of its Manual on Corporate Governance. The Manual on Corporate Governance, which is reviewed annually, has been updated and revised, and was approved and adopted by the Board of Directors in its entirety in May 2017. The Manual on Corporate Governance can be read here.

The Board Charter, as incorporated in the Manual on Corporate Governance, can be read here.