In order to “always earn the right to be our clients’ first choice,” we have a number of priorities in the marketplace:  Provide access to banking though a wide range of channels;  Ensure that we have banking solutions for individuals belonging to traditionally underserved groups;  Promote financial literacy among clients and the general public;  Respect clients’ privacy, safeguard their information and protect them from fraud;  Develop products and services responsibly, including those that have positive social or environmental impacts;  Listen and respond to clients.