MMI Holdings is fully committed to the principles of sustainability. We strive to be financially sound, socially responsible as well as environmentally friendly, with good corporate governance as the overarching principle. We believe that sustainability is an approach Accessibility to business that places value creation in a Enhancing the accessibility of financial long term context. Implicit in this statement solutions, financial literacy and encouraging a is the creation of shared value. This implies savings culture that economic value is created for the business whilst simultaneously creating Responsible investment value for society, which enables the needs Considering sustainability criteria in our and challenges of society to be addressed. investment decisions We believe business success should be linked to socio-economic development and Celebrate our values low environmental impact. Sustainability Transforming, changing culture and creating is an approach to business that takes all synergies which link to the MMI values three elements, economic, social and (accountability, diversity, excellence, environmental value, into account. innovation, integrity and teamwork) We have identified the following areas as key Stakeholder management sustainability issues and have incorporated Ensuring that stakeholder concerns are them into our business. addressed Governance Applying best corporate governance standards Efficiency Managing our processes and our environmental footprint 27