As a part of FairShare, our product principles for our Private and Business Client (PBC) division commit us to creating products that: relate to the real economy, serve the individual without being detrimental to the world at large, are transparent and easy to understand, and create tangible customer benefits We do not offer any products that conflict with the product principles and we do not provide advice or offer products directly related to: wagers on death, illness, invalidity, or insolvency production and sale of nuclear weapons, cluster munitions or land mines speculation on commodity scarcity encouragement or use of child labor criminal activities, including illegal drugs and money laundering human rights violations To ensure compliance with these principles, any new product or process offered to private and business clients has to go through a new product approval process.