HYAKUGO BANK; FRONTIER BANKING
Corporate Philosophy
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     (Consolidated)

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The Second Management
     Plan of the New Century

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Hyakugo Bank's Corporate Social Responsibilities
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Hyakugo Bank’s corporate philosophy reconfirms the basic points by which we have grown and earned the trust of customers, stockholders and society. The following standards apply to all future judgments and conduct of employees throughout Hyakugo Bank.
 
Mission
We dedicate ourselves to helping develop a society that places the highest value on mutual trust, and conduct our business in ways to contribute toward building a better society where warmth and respect prevail.
 
Management
We manage the Bank in a manner deemed fair and responsible against broader social standards. Hence, we attach the greatest importance to sound banking practices in harmony with the ethics and integrity of the public. We believe our independence and solid growth are sustained and valued only in pursuit of such managerial practices.
 
Behavior
We try to always display our sincerity in both business and individual activities, guided by our conscience and common sense. We express our deep appreciation for the society by achieving excellence in what we do, while constantly striving to expand our knowledge and challenging the future.