<div style="color: #003366; font-size: 14px; font-weight: bold; text-align: center; line-height: 20px; height: 40px; display: flex; align-items: center; justify-content: center;">Enterprise / Board Level<br>Policies</div>

<div style="color: #003366; font-size: 14px; font-weight: bold; text-align: center; line-height: 20px; height: 40px; display: flex; align-items: center; justify-content: center;">Group / Subsidiary & Unit<br>Level Policies</div>

<div style="color: #003366; font-size: 14px; font-weight: bold; text-align: center; line-height: 20px; height: 40px; display: flex; align-items: center; justify-content: center;">Function Based Procedures</div>

<div style="color: #003366; font-size: 14px; font-weight: bold; text-align: center; line-height: 20px; height: 40px; display: flex; align-items: center; justify-content: center;">Group level Risk<br>Appetite</div>

<div style="color: #003366; font-size: 14px; font-weight: bold; text-align: center; line-height: 20px; height: 40px; display: flex; align-items: center; justify-content: center;">Cascade to Sub-<br>group or subsidiary</div>

<div style="color: #003366; font-size: 14px; font-weight: bold; text-align: center; line-height: 20px; height: 40px; display: flex; align-items: center; justify-content: center;">Business / Support<br>Functions</div>

<div style="color: #003366; font-size: 14px; font-weight: bold; text-align: center; line-height: 20px; height: 40px; display: flex; align-items: center; justify-content: center;">Customer Facing<br>Functions</div>

<div style="color: #003366; font-size: 14px; font-weight: bold; text-align: center; line-height: 40px; height: 40px; display: flex; align-items: center; justify-content: center;">Risk Leadership</div>

<div style="color: #003366; font-size: 14px; font-weight: bold; text-align: center; line-height: 20px; height: 40px; display: flex; align-items: center; justify-content: center;">Organizational<br>Hierarchy / Structure</div>

<div style="color: #003366; font-size: 14px; font-weight: bold; text-align: center; line-height: 20px; height: 40px; display: flex; align-items: center; justify-content: center;">Responsibilities & Job<br>Descriptions at All Levels</div>

<div style="color: #003366; font-size: 14px; font-weight: bold; text-align: center; line-height: 20px; height: 40px; display: flex; align-items: center; justify-content: center;">Communication &<br>Reporting</div>

ERM Leadership cascade