The committee oversees and makes determinations on all issues relating to ourcomprehensive risk
management function. In order to ensure our stable financial conditionand to maximize our profits, the
committee monitors our overall risk exposure and reviewsour compliance with risk policies and risk limits. In
addition, the committee reviews riskand control strategies and policies, evaluates whether each risk is at an
adequate level, establishes or abolishes risk management divisions, reviews risk-based capital
allocations, and reviews the plans and evaluation of internal control.