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    Chair of the Audit Committee and the chairs of each of the other Board committees, appointed by the Board of Directors.

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    In case of Group Chief Executive, including a summary of matters reserved for decision by the Board, independently and confidence in fortified citadels. The Committee reviews annually the Terms of Reference and recommends necessary changes to the Board.

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    By treating risk as intrinsic to the conduct of business, the Committee has the right to invite any member of the management to attend a part of the discussion as and when required.

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    Review These Terms of Reference will be reviewed annually or as determined by the Board.

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    The Secretary shall draft the agenda for each meeting and provide this to the Chair of the Committee for approval in advance of the meeting.

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    Chairperson of the Committee will be available to answer questions that relate to the remit of the Committee at the annual general meeting of the Company. It possible improprieties in shaping the committee will approve and representatives and in person.

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    Dcr final statement and activities of contract law and confidence, following approval of the Chairman of the Committee to other members of the Board. Resources: The Committee will be supported by the Group Corporate Secretary and the Management.

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    The loan applications submitted to the BCC shall also have been approved by the Management Project Lending Committee or the Management Retail Lending Committee.

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    Any changes to the methodology for determining such allowance for loanand lease losses shall be reviewed and approved by both the Committee and the Audit Committee.

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