Accompanying notes 2 www.goodwithmoney.co.uk/have-your-sayon-our-ethical-policies 3 For the Environmental Advisory Committee’s Terms of Reference and membership see www.co-operative.coop/corporate/ sustainability/envadvisorytor 4 The Co-operative Bank was the first UK-based business to incorporate The Natural Step methodology in 1996, and it is considered to have been vital to the substantive improvements in performance realised to date.