2.0 Accelerating climate action 3.0 Creating access to opportunities 3.1 Employee engagement 3.2 Inclusion at work 3.3 Inclusive banking 3.4 Making a difference in the community 4.0 Building integrity and trust 5.0 Appendix 3.0 Creating access to opportunities 3.3 Inclusive banking	 	 2021 performance 2021 performance Investing in team capabilities to better serve clients We continuously invest in the capabilities of our team members to promote an inclusive client experience by building deeper relationships and meeting the unique needs of all our clients.