The committee oversees and makes determinations on all issues relating to our
comprehensive risk management function. In order to ensure our stable financial condition
and to maximize our profits, the committee monitors our overall risk exposure and reviews
our compliance with risk policies and risk limits. In addition, the committee reviews risk
and 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.