The co-operative values on which their Pioneers built the bank over 145 years ago still stand today. They are more than the foundations of the bank, they are what connect us together – colleagues, customers, the businesses who bank with us, charities they support and the issues they stand for. They are a community of doers and joiners, those that get stuck in rather than stand on the side-lines…More, that face the future with optimism and excitement. They are colleagues that fully invest in how they can help their customers. Customers who believe that what works for me can work for us all too. They are co-operatives, credit unions, charities and small businesses whose combined strength builds a stronger economy and a stronger society too. They are the customer views shaping their ethical policy – steering their choices in how and who they bank.