The activities of financial institutions are much more than regular, commercial business operations. The bank is a public trust institution and, as such, has a special obligation to conduct its business in an ethical way. That is why, it is so important for Santander Bank Polska to launch and join all initiatives aimed at enhancement of the industry standards. We need not only standards developed at the international level, such as the UNEP FI Responsible Banking Principles of which we are a co-founder and signatory, but also standards responding to varied and changing needs of different consumers and the business. And self-regulation is the most suitable instrument for that. Therefore, acting jointly with important market partners, we have initiated the Declaration of Responsible Selling. We are proud to be one of the first members of this collaborative effort on the Polish financial market.