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Customers are at the heart of our business. Delivering a positive customer experience is one of our company's five strategic imperatives. So we participate in the ABI's customer programme and strongly support the FSA's Treating Customers Fairly initiative.
During the year, we broadened the scope of our Business Ethics Working Group. As our business becomes more international, we need to adopt new standards, which are appropriate to a global market. For example, we intend to integrate the United Nations Declaration of Human Rights and Bribery and Corruption principles into our business policies.