INTRODUCTION

Effaa's commitment to excellence in executing our multi-business strategy is supported by our core competencies and unwavering focus on risk and business continuity management, technology development, workplace safety and health as well as environmental protection. Beyond striving for strong financial results, we enhance shareholder value through prudent management, sound policies and high standards of corporate governance. We continue to enhance our presence in existing markets as we penetrate new ones by leveraging all our Group Companies' brand equity and the Group's strong global network for new business opportunities. Effaa has positioned itself to capture value by offering comprehensive solutions that draw on the complementary strengths of each business.

Effaa touches lives in many countries around the world. Our all inclusive people approach builds a strong and diverse talent pool to drive our businesses. We believe in investing in our people. We build a passionate and competent team through identifying and developing talents, encouraging work-life balance and instilling a strong culture of safety and excellence. Through training and development programmes, scholarships, internships and sponsorships of diverse activities and events, we enrich the lives of people and beneficiaries.

We nurture communities while we create value for our shareholders, we also care for the people, environment and communities in which we operate. Our multi-faceted approach towards Corporate Social Responsibility encompasses caring for the environment, promoting public policy research and education, supporting the arts, green and safety initiatives, charitable and community activities, as well as encouraging corporate volunteerism. Our channel partners / associates and volunteers make a difference in the community by lending their time, efforts and talents to a variety of charities involved with poverty removal, food for the poor, education, the environment and elderly care.

We nurture communities while we create value for our shareholders, we also care for the people, environment and communities in which we operate. Our multi-faceted approach towards Corporate Social Responsibility encompasses caring for the environment, promoting public policy research and education, supporting the arts, green and safety initiatives, charitable and community activities, as well as encouraging corporate volunteerism. Our channel partners / associates and volunteers make a difference in the community by lending their time, efforts and talents to a variety of charities involved with poverty removal, food for the poor, education, the environment and elderly care.