Hrvatska Poštanska Banka d.d.

Governance Information • Apr 3, 2018

CODE OF CORPORATE GOVERNANCEANNUAL QUESTIONNAIRE

MAIN COMPANY INFORMATION:

CONTACT PERSON AND CONTACT PHONE:

DATE OF QUESTIONAIRE COMPLETE:

HRVATSKA POŠTANSKA BANKA, plc, Zagreb Lucia Ana TomićMarch 20 2018

All the questions contained in this questionnaire relate to the period of one bussines year to which the annual financial statements also relate.

If a question in the questionnaire asks for an explanation, it is necessary to explain the answer provided.

All the answers in the questionnaire will be measured in percentages, as explained at the beggining of each chapter.

COMPANY HARMONIZATION WITH THE PRINCIPLES OF CORPORATE GOVERNANCE CODE

Answers to this questionnaire chapter will be valued with a max. 20% of the whole questionnaire valuation of company harmonization with the principles of Corporate Governance Code

Qu ion est No	Q sti ue on s	An er YE sw S/ NO	Exp lan ati on
1	Ha he ted im lem ion of th od f co of the Za b S k s t tat rat toc co mp an y a cce p p en e c e o rpo e g ov ern an ce gre ha ? Exc nge	YE S
2	the hav de of ce? Do e it rat es co mp an y s o wn co co rpo e g ov ern an	NO
3	Ha rin cip les of th od f co be ad ted f th 's rat rt o ve an y p e c e o rpo e g ov ern an ce en op as pa e c om pa ny al lici es? int ern po	YE S
4	the dis clo ha iza tio ith th rin cip les of in its al Do rat es co mp an y se rm on n w e p co rpo e g ov ern an ce an nu fin l st ? cia ate nts an me	YE S

SHAREHOLDERS AND GENERAL MEETING

Answers to this questionnaire chapter will be valued with max. 30% of whole questionnaire valuation of company harmonization with the principles of Corporate Governance Code

	ion Qu est No	Q sti ue on s	An er YE sw S/ NO	lan Exp ati on
	5	he ha reh old lat shi ith oth the ? ( If s Is t in ing ion ies co mp an y a c ros s-s re p w an er co mp an y o r o r co mp an o, ) lain ex p	NO
	6	( ) Do h s ha of the hav ing rig ht? If n lain vot ot, es eac re co mp an y e o ne ex p	YE S

7	th of di ffe of ha reh old ( If s lain ) Are ?? t tr eat nt ere ca ses ren me an y s ers o, exp	NO
8	he ced fo r is sui f a for tin t th l as bly be fu lly Ha s t tto pro ure ng po we r o rne vo g a e g en era sem en y lifie d a nd fre f a for l re ? ( If n lain ) sim ict ire str nts ot, p e o ny ma qu me ex p	YE S
9	he red th the sh ho lde f th wh for hat Ha s t at t co mp an y e nsu are rs o e c om pa ny o, w eve r re aso n, a re no ab le t th mb ly hav ho blig ed rda ith in ies in a ote at to te o v e a sse pe rso n, e p rox w ar e o vo cco nce w d f th ha reh old ith fo r th sh ho lde ( If n ins cti cei rs? tru tra sts ot, on s re ve rom e s ers , w no ex co ose are lain ) exp	NO	Th ch de nd ere w ere no su ma s.
10	Did th rd of the he the bly t th Ma t B nin nt e m an age me or nag em en oa co mp an y, w n c on ve g as sem , se e da for de fin ing th in t he iste f s ha hic h w ill b ele for isin oti rig hts te tat nt e s us reg r o res , w e r va ex erc g v ng the ral bly of th by tha t d th e d of ho ldi the bly ttin ior at ate to ge ne as sem e c om pa ny, se g pr ay ng as sem d n rlie r th 6 d ior th e d of ho ldi the bly ? ( If n lain ) ot to ot, an ea an ays pr ay ng as sem ex p	YE S
11	of We the da the bly ell all rel da d d ion ith lan ati nt ta tat re ag en as sem , a s w as eva an oc um en w ex p on s rel the da d o he bsi of the nd t th e d l of ati isp to n t te t a ng ag en , a nn ou nce we co mp an y a pu osa ( sha reh old th 's p ise f th e d of th e f irst blic ati of th nd a? If n ate ot, ers on e c om pa ny rem s a s o pu on e a ge lain ) exp	YE S
12	the de di vid d p dv div ide nd clu de for he da Do cis ion t in in tio t o n t te es on en aym en r a an ce pa ym en ma n o wh sh ho lde he ht div ide nd nd for he da d uir rig in tio rio e t to t, a n t te en are rs a cq pa ym en ma n o or pe ? ( If n ) du rin hic h t he div ide nd ill b aid lain ot, g w w e p ex p	YE S
13	he da of div ide nd dv div ide nd be t la th da aft Is t 30 te t o t s et to ter pa ym en r a an ce pa ym en no an ys er the da of de cis ion aki ? ( If n lain ) te ot, m ng ex p	YE S
14	( ) We ha reh old fa d w hile cei vin the ir d ivid ds ad di vid ds? If s lain re an y s ers vo ure re g en or va nce en o, exp	NO
15	th ha reh old al low ed d t th l as bly of th Are rtic ipa usi to te ote at e s ers pa an o v e g en era sem e c om pa ny ng de ica tio ech log ? ( If n lain ) n t ot, mo rn co mm un no y ex p	NO	Th ch de nd s b ere w ere no su ma y sha reh old ers
16	the nd itio be de fin ed fo icip ati the ral bly by tin thr h p Ha art at ve co ns en r p ng ge ne as sem vo g ou g rox y ( f w het he r th the law les of ), s uch tin irre ctiv is i itte d p d a rtic iat ion nt to vo g spe e o s p erm urs ua an as soc fo ad rtif f p of c.? ( If s lain ) istr ati icip ati in ica tio art at tor et as reg on r p on va nce , ce n o ow ers ney o, exp	YE S	rde nd In o niz r to or ga e a ar ran ge sha reh old ' m ing tim ally eet ers op , e ve ry sha reh old de d t is n iste r it er ee o r eg s rtic ipa tio t th ing hile eet pa n a e m , w tho ed ed be ted riza tio in to at tes au ns are ne ord de mi alid tin ig hts to ter nat er e v vo g r
17	Did th of the ub lish th e d eci sio of the ral bly of th ? nt e m an age me co mp an y p ns ge ne as sem e c om pa ny	S YE
18	of if Did th the ub lish th e d le l ac tio ha llen ing th nt ata e m an age me co mp an y p on ga ns, an y, c g ose de s? ( If n lain ) cis ion ot, ex p	NO	Th law sui rel d t o d ing ts ate ere w ere no en y the de cis ion s.

MANAGEMENT AND SUPERVISORY BOARD

PLEASE PROVIDE THE NAMES OF MANAGEMENT BOARD MEMBERS AND THEIR FUNCTIONS

Tomislav Vuić, president of the BoardDomagoj Karadjole, Board memberMladen Mrvelj, Board member

Marijana Milićević, MEcon, president of the BoardŽeljko Lovrinčević, Ph.D., deputy president of the BoardMarijana Vuraić Kudeljan, M.Sc., Board member

PLEASE PROVIDE THE NAMES OF SUPERVISORY BOARD AND THEIR FUNCTIONS

Answers to this questionnaire chapter will be valued with a max. 20% of the whole questionnaire valuation of company harmonization with the principles of Corporate Governance Code

Qu ion est No	Qu ion est s	An er YE sw S/ NO	Exp lan ati on
19	Did th rd ad de th lan of e S iso Ma t B cis ion its tiv itie t a ast up erv ry or nag em en oa op on e m er p ac s, inc lud ing th e l ist of its ula ing nd da be de aila ble rvi ard be Su Bo eet ta to to reg r m s a ma av pe sor m em rs, y ula rly d i ely ( If n lain ) tim r? ot, reg an n a m an ne ex p	YE S
20	Did th iso rd s it s in l co de of nd ? e S Ma t B ter uct up erv ry or nag em en oa pas na co	YE S
21	the hav ind de mb ard ? ( if n Do its Su rvi r M Bo nt nt ot, es co mp an y e a ny ep en me ers on pe sor y o an age me ) lea lain p se exp	YE S	rdi the ed Ac Cr it I itu tio Ac to nst t, a co ng ns ba nk' iso bo ard ha ust s s up erv ry m ve on e ind de mb nt ep en me er.
22	he a lo lan th ? ( If n lain ) Is t sio in ter ot, re ng- m suc ces n p e c om pa ny ex p	NO	Th lo lan is sio nin ter ere no ng- m suc ces n p g du ula tio hic h d ine e t ete o r eg n w rm s of the de d m be int esi nt nt ap po me pr an em rs of the bo ard d s in ies nt m an age me co mp an an of oth in leg al e nti tie hic h a er pe rso ns s w re nd al i the ic a eci str ate ort to g sp mp an ce Go t. ve rnm en
23	he d b the be f th rd ly o Is t tio ive e S iso Ma t B tire rem un era n r ece y m em rs o up erv ry or nag em en oa en r ( rtly de mi d a rdi the ir c trib uti th 's b usi rfo ce? If n ter to to ot, pa ne cco ng on on e c om pa ny ne ss pe rm an lain ) exp	NO	rdi the Sh ho lde rs' Ac Me eti to co ng are ng cis ion ion th be f De sat s to co mp en e m em rs o the ard de d b the Su rvi Bo is mi ter pe sor y ne y eci sio tio Go t D n C n t ve rnm en n o om pe nsa o mb of ard d B rd of Me Su rvi Bo ers pe sor y an oa Dir ect ors
24	he he mb of th rd de d b Is t tio e S iso Ma t B mi n t o t ter rem un era me ers up erv ry or nag em en oa ne y a de cis ion of th l as bly in th rtic les of iat ion of th ? ( If n lain ) ot, e g en era sem or e a as soc e c om pa ny ex p	YE S

Inf fo r th ati ion sat orm on on co mp en e Ma t B rd mb hig he nag em en oa me ers r , de tai led rds al l re ion nd he ing f e ach be f th Ha rat ot nt ve re co on mu ne s a r e arn s o m em r o e m an age me nd lin ked ilab is a t a ma nag em en pe rso ns va ch di d f th fro oth rel d t he ive cei cut tor ate o t or ea exe rec re ve rom e c om pa ny or m er pe rso ns co mp an y, 25 NO in a eci al n ith in t he al f ina nci ote sp w an nu inc lud ing th of h r tio be ad ub lic ( in a l fi nci al s ts) ? ( If tru ctu tat e s re suc em un era n, en m e p nn ua na em en lin ith th l Fi in e I tio nci ort nte rep e w rna na na lain ) t, e no xp rtin Sta nd ard he al f ina nci al Re s. T po g an nu ilab le o he nk' eb Ba site ort n t rep s a re ava s w Inf fo r th ati ion sat orm on on co mp en e de led rds al l re nd he f e ach be f th Ha tai ion ing e S iso of rat ot mb th e S iso Bo ard ve re co on mu ne s a r e arn s o m em r o up erv ry or me ers up erv ry ar e fro r fr Ma t B rd eiv ed he he lat ed th m t ot to blic ly a ilab le o he ind ivid l ba sis in nag em en oa rec co mp an y o om r p ers on s re e c om pa ny, n t pu va ua 26 NO lud th of h r be ad ub lic ( l fi al s ts) ? ( If inc ing tio in a nci rs' tru ctu tat the Sh ho lde Me eti De cis ion hic h e s re suc em un era n, en m e p nn ua na em en are ng w ) lain t, e de n f the ork mi tio ir w no xp ter ne s c om pe nsa or mb of the ard for he f e ach ch Do Su rvi r M Bo in mb of th ard do nt m t Me e S iso Bo t es eve ry me er pe sor y o an age me co mp an y o an ge ers up erv ry no rel ati the ir a uis itio r d isp l of sh f th th ibi lity ise to to to he ba nk' ha n t ng cq n o osa are s o e c om pa ny, or e p oss ex erc ow s s res 27 NO hts fro he 's s ha tly d n o l r th thr bu da af tin ig isin sin m t ate ter vo g r ar g co mp an y res pr om p an an ee ess ys, ? ( ) h a ch If n lain ot, suc an ge occ urs ex p ted da cti ith lat Ag ta tra gre ga on nsa on s w re all lvin be f th rd rel d We cti s in e S iso Ma t B tra ate re nsa on vo g m em rs o up erv ry or nag em en oa or pe rso ns ted th l fi al rtie in nci sta pa s a re e a nn ua na ? ( 28 the d t he nd rel d t o it cle arl ted in of th If NO to ate rts m an co mp an y a pe rso ns y p res en re po e c om pa ny hic h a bas ed th tio e I ort nte rep s w re on rna lain ) t, e no xp l Re nd ard Fin cia rtin Sta an po g s. Are th be be f th e S iso rd Co xis of th ula r b usi tra cts nts tw Ma t B ntr act t a art ere an y c on or ag ree me ee n m em rs o up erv ry or nag em en oa s e s p e r eg 29 YE S d t he ? ivit ies act an co mp an y 30 Did th ob al o f th rd? ( If n lain ) S s if tho ed ed tai rio e S iso Ma t B YE Ye ior riza tio n is ot, ey n p r a pp rov up erv ry or nag em en oa ex p pr au ne ted da ith lat Ag cti ta tra gre ga on nsa on s w re of ( If n al f Are im ele al l su ch inc lud ed in th l re rt? d i he ina nci al rta nt nts ntr act ts ot, st ate n t po me co s o r a gre em en e a nn ua po pe rso ns are an nu 31 NO lain ) hic h a bas ed th e I tio ort nte exp rep s w re on rna Fin cia l Re rtin Sta nd ard an po g s. 32 Did th rd ab lish th e S iso Ma t B oin mit ? YE S est tm t c tee up erv ry or nag em en oa e a pp en om Did th rd ab lish th 33 e S iso Ma t B tio mit ? YE S est tee up erv ry or nag em en oa e r em un era n c om Did th rd ab lish th ud 34 e S iso Ma t B it c mit ? YE S est tee up erv ry or nag em en oa e a om be als be Co iss ion mm m em rs a re o m em rs o Wa he jor ity of the dit itte be ele d f th f in de nd be the rvi bo ard . Su rvi bo ard s t cte t m ma au co mm e m em rs s rom e g rou p o pe en em rs su pe sor y pe sor y 35 NO of the ard ? ( If n lain ) ed ha nd de mb Su rvi Bo e i ot, s to nt pe sor y ex p ne ve on ep en me er ord ing th e C red it I itu tio Ac to nst t acc ns Did th r th of the fin l in for f th lly the mit ito e i ity cia tio cia tee nte e c om m on gr an ma n o e c om pa ny, es pe d c of the eth od sed by th d t he be lon sis tin it ctn ten co rre ess an on cy ac co un g m s u e c om pa ny an gro up gs 36 YE S
			le al al
			ed l na
			ne ss
			ed l na
			f
to, ort to g cr e c on n o na ep s o e c om pa ng e ? ( If n lain ) ot, gro up ex p		fo f fi f th in clu din the ite ria r th sol ida tio nci al r nie s b elo ing th

37	Did th ud it c mit he alit f th e i l co ol d r isk ith tee s t nte ntr nt tem e a om as ses qu y o rna an m an age me sys , w the of ad ely id tify d p ub lish th ks the d t o ( lud ai ing ing ain ris is e inc ing uat m eq en an e m co mp an y xp ose the ris ks rel d t he lian wit h r ula tio ns) ell ing th ris ks in a de ate o t ate co mp ce eg , a s w as ma nag ose n a qu er? ( If n lain ) ot, ma nn ex p	YE S
38	ffic of Ha he dit itte e b ork ing ing th ien the in l au dit s t ter ste au co mm ee n w on en sur e e cy na sy m, ally by nd s fo r th ele nd eci ari ati cti oin oin tm t, r tm t a esp pr ep ng rec om me on e s on , a pp en ea pp en / dis mi l of th e h d o f in l au dit de nd ith rd fun ds his he r d isp l, a nd ter rtm t, a to at ssa ea na pa en w re ga osa the alu of th ken by th aft fin din d r da of the ati cti tio s ta nt ev on e a on e m an age me er gs an eco mm en ns ( ) int al a ud it? If n lain ot, ern ex p	YE S	dit Co itte e f oll ffic ien of the Au mm ow s e cy al a ud th h i nd ivid l an d int it s tem ern ys rou g ua erl nd ito rin art ort rts qu y r ep s a re po on m on g lica f re da by al tio tio int ap p n o co mm en ns ern dit rda ith th red it . In e C au ac co nce w uth zed fo Ins titu tio Ac ori t a ns pe rso n a r al a ud l fu n b ed int it c ion tro nct ern on ca e n am lac lely by th 's ed e S iso Bo ard or rep so up erv ry l. ap pro va
39	If t he l au dit he did th ud de r th d t is n o i in t it c mit nsi nte ste tee re rna sy m co mp an y, e a om co e n ee o ( ) ab lish it? If n lain est ot, ex p	NO	Th e b k h the l au dit fu in ion ter nct an as na
40	Did th ud r th nd de d i iali of the l au dit lly it c mit ito e i cia tee art ty ter e a om m on ep en nce an mp ex na or, es pe wit h r rd the ion of tho rise d a ud ito ith in t he dit nd th e f he to tat s t ega ro au rs w au co mp an y a ee co mp an y fo ide d b l au dit ? ( If n lain ) is p ing rvi xte ot, ay r se ces pr ov y e rna ors ex p	YE S
41	Did th d q of oth tha ud ed by th mit ito nti vic it, eiv tee atu ty e c om m on r n re an ua ser es er n a rec e c om pa ny fro he dit r fr rel d t ? ( If n lain ) o it m t ate ot, au co mp an y o om pe rso ns ex p	YE S

42	Did th ud it c mit les de fin ing hic h s ice t b ide d t he tee o t e a om pr ep are ru w erv s m ay no e p rov co mp an y by the l au dit nd rel d t hic h s be vid ed ly w ith o it ice ter ate ex na co mp an y a pe rso ns , w erv s m ay pro on , ( ) d w hic h w ith rio of the itte e? If n lain t p nt ot, an ou r co nse co mm ex p	NO	It i s d rib ed ith in t he ion al l isla nat tur esc w eg e.
43	Did th ud aly the ef fic of the l au dit d a ken by th it c mit ien cti ior tee ter s ta e a om an se cy ex na an on e s en ith rd nd ati ad e b the l au dit or? ( If n lain ) t w to ter ot, ma nag em en re ga rec om me on s m y ex na ex p	YE S
44	Wa he do tio ele for th ork of th e S iso ard bm itte d t ll m be s t nta nt Bo cu me n r va e w up erv ry su o a em rs o n e? ( If n lain ) tim ot, ex p	YE S
45	Do Su rvi Bo ard M Bo ard ing inu in a ll a do ted de cis ion nt eet tes nta pe sor y or an age me m m co p s, d b da lts? ( If n lain ) nie tin ta ot, acc om pa y on vo g r esu ex p	YE S
46	he ard alu d t he ork th ed d, lud Ha Su rvi r M Bo ir w in ing rio inc ing s t nt ate pe sor y o an age me ev e p rec pe lua f th trib d c of ind ivid l m be ll a f jo f tio uti int tiv itie ten eva n o e c on on an om pe ce ua em rs, as we s o ac s o the alu of th ork of th blis he lua f th 's Bo ard ati mit d, d e tio tee sta , ev on e w e c om s e an va n o e c om pa ny ob che d i ith th bje ? jec tiv riso ctiv set es rea n c om pa n w e o es	NO
47	de led da al l ea d r ed by ch mb of the Are tai rni tio eiv ta nt on ngs an em un era ns rec ea me er m an age me or ? ( ch ive di fro he ub lish ed in th l re f th If n cut tor m t rt o ot, ea exe rec co mp an y p e a nn ua po e c om pa ny lain ) exp	NO	ted da cti ith lin ked Ag ta tra gre ga on nsa on s w d t he nk' Ba nt pe rso ns an s m an age me are ted in th l fi nci al r hic h sta ort e a nn ua na ep s w ba sed th l Fi al e I tio nci nte are on rna na na
48	al l fo f re th be f th Are ion M Bo ard d rat to nt, nt rm s o mu ne e m em rs o e m an age me an age me an ard lud d o the r b efi of the ad ub lic, br ok Su rvi Bo inc ing tio ts nt, pe sor y op ns an en m an age me m e p en , of ? ( If n ) do by ite d p in t he al r th lain ort ot, wn ms an ers on s, an nu ep e c om pa ny ex p	NO	See 47 an sw er
49	al l tr tio inv olv ing be f th ive di nd Are nt cut tor an sac ns m em rs o e m an age me or exe rec s, a pe rso ns rel d t he d t he nd rel d t lea rly ted of th o it in ate o t ate rts m, an co mp an y a pe rso ns , c pre sen re po e ? ( If n lain ) ot, co mp an ex p y	NO	See 47 an sw er
50	the o b ub mit ted by th e S iso rd the ral bly Do rt t Ma t B to es re po e s up erv ry or nag em en oa ge ne as sem lud fro for n d efi d b law he lua f to tal bu inc mi nim in tio tio sin art , t e, ap m um ma ne y eva n o ess rfo of the f a ctiv itie f th f th d a eci al c t o nt pe rm an ce co mp an y, o s o e a nag em en e c om pa ny, an sp om me ith th nt? ( If n lain ) its tio ot, on co op era n w e m an age me ex p	YE S

AUDIT AND MECHANISMS OF INTERNAL AUDIT

Answers to this questionnaire chapter will be valued with a max. 10% of the whole questionnaire valuation of company harmonization with the principles of Corporate Governance Code

ion Qu est No	Qu ion est s	An er YE sw S/ NO	lan Exp ati on
51	Do the hav l au dit or? xte es co mp an y e a n e rna	YE S
52	he al a ud f th rel d w ith th f o hip Is t ito in t in s? ext ate ter est ern r o e c om pa ny e c om pa ny erm s o wn ers or	NO
53	he al a ud f th vid th hi m/ he lf o r th h r ela ted Is t ito ing ext to ern r o e c om pa ny pro e c om pa ny, rse rou g he rvi ? ot pe rso ns, r se ces	YE S

54	he ub lish ed th f c ha aid th nd de al a ud rs f the Ha e i ito s t t o to nt ext co mp an y p e a mo un rge s p ep en ern or dit rrie d o d f oth vic vid ed ? ( If n lain ) ut ot, au ca an or er ser es pro ex p	NO	Th ud ito ud ite d f ina nci al r f th ort e a r a ep s o e nk d it ub sid lin ith Ba iar ies in an s s e w ed ice nd itio wh ich is in ntr act co pr co ns ord h it l b wit usi acc an ce s g en era ne ss nd itio the rvi Fo 33 ote to co ns. r o r se ces se e n the fin l st cia ate nts an me
55	the hav e i l au dit ? Do nte es co mp an y rna ors	YE S
56	the hav n i l au dit in lac e? ( If n lain ) Do nte ste ot, es co mp an y e a rna sy m p ex p	YE S

TRANSPARANCY AND THE PUBLIC OF ORGANIZATION OF BUSINESS

Answers to this questionnaire chapter will be valued with a max. 20% of the whole questionnaire valuation of company harmonization with the principles of Corporate Governance Code

ion Qu est No	Qu ion est s	An er YE sw S/ NO	lan Exp ati on
57	th i-a l, a l an d q rly ilab le t he sha reh old ? Are rte ort o t e s em nn ua nn ua ua rep s a va ers	YE S
58	Did th the len da f im ? rta nt nts e c om pa ny pre pa re ca r o po eve	NO	All d i nfo im ati rta nt nts po eve an rm on ar e blic ly a ilab le a he da s t ct tes pu va s s oo n a exa de d. mi ter are ne
59	Did th ab lish ech hat wh o h ide ism ins est s to e t s to e c om pa ny m an en sur pe rso ns ave ac ces or po sse ss inf of nfo ati de d t he d i h i ati d l im ita tio rel d t o it ? rst nat ort ate orm on un an ure an mp an ce suc rm on an ns	YE S
60	Did th ab lish ech f th e f low of sid nfo d ism isio in e i ati est s to e c om pa ny m an en sur e s up erv n o rm on an ssi ble ab th of? po use ere	YE S
61	suf fer ed s fo the tho bo die Ha tiv oin tin riti ut to ete nt s a nyo ne ne ga e c on seq ue nce r p g o co mp au es or s in t he ide ho ing s in th lica tio f ru les hic al n ith in t he uts rtc et co mp an y o r o , s om e a pp n o or orm s w ? ( if y lain ) co mp an y es, ex p	NO
62	Did th of the ho ld eti ith in ed in in t he las r? nt ter est sto t y e m an age me co mp an y me ngs w ve rs, ea	NO	ha t b n h eld du Me eti e t ngs ve no ee o f th ita liza tio stp t o po on em en e r eca p n.
63	al l th be f th ard d S ard th the Do M Bo iso Bo nt, nt at e m em rs o e m an age me an age me an up erv ry ag ree ide d i his ion ire he be f th eir kn led tire ly thf ul? n t est e, t o t st o tru an sw ers pr ov qu na ar ow ge, en	YE S