Fidelity Financial Review & Guidance

Overview Operating Environment Financial Review Guidance Level 1 Robust risk management is at the core of Fidelity Bank operations Three-tiered approach for enterprise-wide risk management Board/Executive Mgt. oversight Level 2 Senior management function Level 3 Support functions Board of Directors Board Audit Committee Board Risk Committee Board Credit Committee Board Finance & General Purpose Committee Management Credit & Investment Committee Criticised Asset Committee Chief Risk Officer Head, Market Risk Management & ALM Head, Credit Administration Head Risk Strategy Branches Human Resources Management Business Units Board Corporate Governance Committee Asset & Liability Management Committee Operational Risk & Service Measurements Committee Head, Loan Processing Division Head, Remedial Asset Management Group Corporate Audit Head, IT & Operational Risk Management Group Support Units Fidelity Bank operates a best-in-class risk management and corporate governance framework that meets or exceeds all legal and regulatory requirements The framework provides comprehensive controls, continuous monitoring and management of the major risks inherent in the Bank's activities 6

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