CBE Regulation Book 2.3 - Bank Governance Instructions New Updates June 2024

Chapter Three
Bank Governance Instructions
In light of the importance of Corporate Governance as one of the most important principles for achieving the objectives of the Central Bank of Egypt in maintaining the stability of the banking sector and ensuring the safety of the banking system, and in order to achieve the highest standards of governance, the Central Bank of Egypt has decided to issue the following instructions:

1. These instructions shall come into force three months from the date of this decision.

2. The Banking Supervision Department is responsible for implementing these instructions.

3. The Central Bank of Egypt – within three months from the date of this decision – shall issue the necessary executive regulations to implement these instructions.

4. Definition of Governance
   1-1. Governance is the set of relationships between the bank's management, its board of directors, and its shareholders, with clear definition of each party's rights and responsibilities. Corporate governance is the system by which business corporations are directed and controlled. The corporate governance structure encompasses the rules, practices, and processes by which a firm is directed and managed to serve and balance the interests of shareholders, management, customers, suppliers, financiers, government, and the community.

1-1-1. Establishing the bank's strategy and objectives.
1-1-2. Managing the bank's risks.
1-1-3. Ensuring the bank's compliance with laws and regulations.
1-1-4. Establishing a system for assessing the bank's financial and non-financial performance and taking into account the interests of other stakeholders.
1-1-5. Ensuring that the bank's activities are conducted in a safe and sound manner within the framework of the bank's capital adequacy and liquidity.
1-1-6. Ensuring the provision of accurate and transparent financial and non-financial information.

2. Bank Board of Directors
   2-1. General Provisions
   2-1-1. The bank's board of directors shall be responsible for formulating the bank's strategy and objectives, and for supervising the management in implementing them. The board shall ensure that the bank has an effective risk management system, internal control system, and internal audit function, and shall take into account the provisions of Article "3-2" of these instructions. 2-1-2. One of the most important duties of the board of directors is to ensure the implementation of corporate governance in accordance with the bank's activities and the nature of its operations. The Central Bank of Egypt requires – within the framework of the corporate governance system – that the bank submit a report on the bank's corporate governance culture, which should include the following: the extent to which the bank's strategy and objectives are aligned with the principles of corporate governance, and the measures taken by the bank's management to ensure the implementation of these principles, taking into account the interests of other stakeholders. The Central Bank of Egypt shall take the necessary legal and administrative measures to inform the public. 2-1-3. The bank's board of directors shall ensure the transparency and accountability of the bank's management to the board of directors, including the following:

• The bank's management shall provide the board of directors with all information necessary for the performance of its duties, and shall not withhold any information from the board of directors.
• The board of directors shall ensure the establishment of a system for the appointment and dismissal of the bank's management, and shall ensure that the appointment and dismissal of the bank's management are based on merit and competence, and that the board of directors has the right to dismiss the bank's management if it deems it necessary.
• The board of directors shall ensure the establishment of a system for the evaluation of the bank's management, and shall ensure that the evaluation of the bank's management is conducted regularly and that the results of the evaluation are used to determine the remuneration of the bank's management.
• The board of directors shall ensure that the bank's management takes into account the interests of the bank's shareholders and other stakeholders when making decisions, and that the bank's management acts in the best interests of the bank.
• The board of directors shall ensure that the bank's management complies with the laws and regulations applicable to the bank, and that the bank's management takes all necessary measures to prevent any violation of the laws and regulations.
  2-1-4. The board of directors shall not delegate any of its powers to the bank's management, except in cases where the law or the bank's articles of association permit such delegation.

2-2. Composition of the Board
2-2-1. The bank's board of directors shall be composed of a number of members appropriate to the size and nature of the bank's activities, taking into account the need for diversity in terms of skills, experience, and expertise. The board of directors shall include at least one member who is independent, and the number of independent members shall not be less than one-third of the total number of board members. The board of directors shall include at least one woman member. 2-2-2. The bank's board of directors shall be composed of a number of members who are independent and have the necessary skills and experience to perform their duties, and who are not involved in any conflict of interest. 2-2-3. The chairman of the board of directors and the deputy chairman (if any) shall not be the same person. The chairman of the board of directors shall not be a member of the bank's management. 2-2-4. The non-executive chairman of the board of directors is primarily responsible for the good performance of the board as a whole and is responsible for guiding and directing the board and ensuring its effectiveness. He must possess the required expertise, competencies, and personal qualities that enable him to fulfill his responsibilities, including the following:

• Ensuring that decisions are taken in a timely manner and that the board has sufficient information to make informed decisions.
• Ensuring that the board has a clear understanding of the bank's strategy and objectives, and that the board's decisions are aligned with the bank's strategy and objectives.
• Ensuring that the board has a clear understanding of the bank's risks and that the board's decisions take into account the bank's risk profile.
• Ensuring that the board has a clear understanding of the bank's internal control system and that the board's decisions take into account the effectiveness of the internal control system.
• Ensuring that the board has a clear understanding of the bank's corporate governance practices and that the board's decisions take into account the best practices in corporate governance.
• Ensuring that the board has a clear understanding of the bank's stakeholders and that the board's decisions take into account the interests of the bank's stakeholders.
• Ensuring that the board has a clear understanding of the bank's social responsibility and that the board's decisions take into account the bank's social responsibility.
  2-2-5. Balance and Independence in the Bank's Board of Directors 2-2-5-1. The bank's board of directors shall ensure the balance and independence of its members, taking into account the need for diversity in terms of skills, experience, and expertise. The non-executive chairman of the board of directors shall not be a member of the bank's management (i.e., not an executive director) and shall not receive any remuneration from the bank other than his director's fee. 2-2-5-2. The bank's board of directors shall ensure the balance and independence of its composition, including at least three independent directors, and other non-independent directors, taking into account that at least one of the non-independent directors shall have been a director of the bank for at least three years. The bank's board of directors shall ensure that the non-independent directors have the necessary skills and experience to perform their duties, and that they are not involved in any conflict of interest. The bank's board of directors shall ensure that the non-independent directors are appointed for a maximum term of six years, which may be extended for an additional three years. 2-2-5-3. The board of directors shall be responsible for the appointment of non-independent directors, taking into account the need for diversity in terms of skills, experience, and expertise. The board of directors shall ensure that the appointment of non-independent directors is conducted in a transparent and accountable manner, and that the appointment of non-independent directors is based on merit and competence. The board of directors shall ensure that the appointment of non-independent directors is conducted in accordance with the following conditions:
• The candidate must be independent.
• The candidate must not be an executive director of the bank or any of its related parties for the past three years.
• The candidate must not be a director of the bank or any of its related parties or any of its related parties' affiliates.
• The candidate must not have any conflict of interest that may affect his independence in the performance of his duties and the taking of decisions.
• The candidate must not have received any remuneration or other benefits from the bank or any of its related parties other than his director's fee.
• The candidate must not be a relative of the bank's chairman or any of its directors.
• The candidate must not be a shareholder of the bank or any of its related parties for the past three years.
• The candidate must not have been a director of the bank for more than six consecutive years.
  2-2-6. The bank's board of directors shall establish a committee – from among its members – to oversee the bank's affairs, and shall appoint a committee chairman. The committee's "chairman" shall be responsible for the following:
• Reviewing the bank's activities and the issues raised in the meetings (in advance) and discussing the bank's activities and the issues raised in the meetings with the bank's management before the meetings.
• Monitoring the implementation of the board of directors' decisions within the framework of the approved strategy and objectives.
• Ensuring the implementation of the board of directors' decisions and the issues raised in the meetings, and ensuring that the board of directors is informed of any deviations from the approved strategy and objectives.
• Coordinating with the chairman of the risk management committee and the bank's management to review the results of the audits submitted to the board of directors.
• Coordinating with the bank's management to provide the board of directors with the necessary information.
• Coordinating with the corporate governance unit and the committees within the framework of ensuring the implementation of the bank's corporate governance practices, and coordinating with the board of directors and the management to review the proposals submitted by the board of directors and the management to the board of directors, as well as the evaluation of the performance of the directors and the management of the bank.
• Ensuring that the board of directors is informed of any significant developments in the bank's activities or in the regulatory framework applicable to the bank, and that the board of directors is informed of any changes in the laws and regulations applicable to the bank, in accordance with the provisions of the laws and regulations applicable to the bank.
• Reviewing the necessary proposals for the appointment and dismissal of the bank's directors and reviewing their performance in accordance with the board of directors' criteria.
• Establishing a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria.
• Establishing a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria.
• In the event that a member of the bank's board of directors participates in a virtual or electronic meeting, the bank shall ensure that the meeting is conducted in a manner that ensures the confidentiality of the information exchanged and the security of the communication channels used, and that the meeting is conducted in accordance with the laws and regulations applicable to the bank.
• The bank shall submit the proposals for the appointment and dismissal of the bank's directors and the review of their performance to the board of directors for approval, taking into account the provisions of the laws and regulations applicable to the bank.

3. Board Responsibilities and Obligations
   The board of directors shall be responsible for the following:
   3-1. The bank's board of directors shall establish a corporate governance system and ensure its implementation, including the following:
   3-1-1. Formulating the bank's strategy and objectives and ensuring their implementation by the bank's management.
   3-1-2. Establishing an organizational structure and defining the rights and responsibilities of the bank's employees.
   3-1-3. Identifying conflicts of interest between the bank's directors and the bank and ensuring that such conflicts are resolved in accordance with the law and the bank's articles of association.
   3-1-4. Ensuring that the bank's directors comply with the laws and regulations applicable to the bank and that the bank's directors act in the best interests of the bank. The bank's board of directors shall ensure that the bank's directors have the necessary information to perform their duties and that the bank's directors act in the best interests of the bank. 3-1-5. Establishing a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria. 3-1-6. Ensuring the bank's compliance with the laws and regulations applicable to the bank, taking into account the need for the bank to comply with the laws and regulations applicable to the bank. 3-1-7. Managing any conflict of interest that may arise in the bank's activities, and ensuring that the bank's board of directors and the management take all necessary measures to prevent any conflict of interest, including the establishment of a system for the identification and management of conflicts of interest, and the establishment of a system for the reporting of conflicts of interest. 3-1-8. Establishing a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria. 3-1-9. Ensuring the implementation of the bank's corporate governance practices and the establishment of a corporate governance unit to ensure the implementation of the bank's corporate governance practices, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria. 3-1-10. Establishing a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria. 3-1-11. Ensuring the bank's compliance with the laws and regulations applicable to the bank, taking into account the need for the bank to comply with the laws and regulations applicable to the bank. 3-1-12. Ensuring the bank's compliance with the laws and regulations applicable to the bank, taking into account the need for the bank to comply with the laws and regulations applicable to the bank. 3-1-13. Ensuring the bank's compliance with the laws and regulations applicable to the bank, taking into account the need for the bank to comply with the laws and regulations applicable to the bank. 3-1-14. Ensuring the bank's compliance with the laws and regulations applicable to the bank, taking into account the need for the bank to comply with the laws and regulations applicable to the bank. 3-1-15. Ensuring the bank's compliance with the laws and regulations applicable to the bank, taking into account the need for the bank to comply with the laws and regulations applicable to the bank. 3-2. The bank's board of directors shall ensure the independence of the bank's directors and the absence of any conflict of interest, and shall ensure that the bank's directors act in the best
   interests of the bank. 3-3. The board of directors shall meet regularly at least six times a year, including the chairman of the board of directors, or the majority of the directors, or the non-executive chairman of the board of directors, if requested by the chairman of the board of directors, to discuss any issues that the chairman of the board of directors wishes to discuss. 3-4. Any member of the board of directors who is absent from more than one-third of the board of directors' meetings during the year shall be notified by the chairman of the board of directors to the Central Bank of Egypt, and the chairman of the board of directors shall take the necessary measures in this regard. 3-5. The board of directors shall ensure the participation of its members in the bank's activities through virtual or electronic meetings, in accordance with the following conditions:
   3-5-1. The bank's system shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-1. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-2. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-3. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-4. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-5. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-6. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-7. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-8. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-9. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-10. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-11. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-12. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-13. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-14. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-15. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-16. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-17. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-18. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-19. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-20. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-21. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-22. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-23. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-24. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-25. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-26. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-27. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-28. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-29. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-30. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-31. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-32. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-33. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-34. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-35. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-36. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-37. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-38. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-39. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-40. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-41. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-42. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-43. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-44. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-45. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-46. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-47. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-48. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-49. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-50. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-51. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-52. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-53. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-54. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-55. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-56. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-57. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-58. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-59. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-60. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-61. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-62. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-63. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-64. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-65. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-66. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-67. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-68. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-69. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-70. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-71. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-72. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-73. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-74. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-75. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-76. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-77. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-78. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-79. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-80. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-81. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-82. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-83. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-84. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-85. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-86. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-87. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-88. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-89. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-90. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-91. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-92. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-93. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-94. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-95. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-96. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-97. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-98. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-99. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-100. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-101. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-102. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-103. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-104. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-105. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-106. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-107. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-108. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-109. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-110. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-111. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-112. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-113. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-114. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-115. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-116. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-117. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-118. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-119. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-120. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-121. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-122. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-123. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-124. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-125. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-126. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-127. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-128. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-129. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-130. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-131. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-132. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-133. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-134. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-135. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-136. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-137. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-138. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-139. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-140. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-141. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-142. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-143. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-144. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-145. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-146. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-147. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-148. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-149. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-150. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-151. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-152. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-153. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-154. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-155. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-156. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-157. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-158. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-159. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-160. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-161. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-162. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-163. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-164. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-165. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-166. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-167. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-168. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-169. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-170. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-171. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-172. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-173. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-174. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-175. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-176. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-177. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-178. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-179. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-180. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-181. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-182. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-183. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-184. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-185. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-186. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-187. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-188. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-189. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-190. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-191. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-192. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-193. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-194. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-195. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-196. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-197. The bank shall ensure the participation of its members in the meetings through virtual or electronic meetings, including the establishment of a system for the evaluation of the bank's directors and reviewing their performance in accordance with the board of directors' criteria, including the following:
   3-5-1-1-198

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[RegAlert note: the English text above is a translation of the first 24,000 characters of a 41,730-character original (58% of the document). The remainder was not translated. The complete original-language text is stored with this document.]