The CEO and Chief Sustainability Officer are responsible for integrating sustainability work into the business, and the Ethics Committee has been set up by the CEO to provide a decision-making forum for sustainability issues that need special attention. Norion Bank has an Ethical Committee (EC) in place that serves as an assessing and consulting tool for customer and credit sustainability risks based on the Issuer's sustainability-related sector guidelines. Before the bank decides on credit approval or rejection, the EC is consulted regarding the sustainability risk aspects. The credit decision depends on EC's approval or rejection. If a credit is rejected by the EC it will not be granted. Furthermore, the bank maintains systematic reviews of existing credits, including ESG assessments, to evaluate if any new risk has emerged, and how previous risks (if any) are being managed by the lender. If a significant change in risk assessment is observed, the bank may subject to terms, conditions, and client dialogue, terminate the credit agreement.