while others are more familiar with traditional savings deposit. Some prefer short term, fixed return products while others are drawn to giveaways and complimentary gifts or neglect details of the

financial behavior. Even with a well-designed financial education program with meaningful messages and effective delivery channels, financial literacy cannot be achieved if consumers neglect the necessity and

monitoring and evaluation of the relevance of the risks and resilience measures and related adjustments to those measures will be taken. M2: No clearing of woody vegetation over 3 metres in height after 2020

management and drought warning • Planting / removing vegetation explicitly to modify water temperatures, evaporation rates, runoff patterns Water Infrastructure Criteria under the Climate Bonds Standard

sequestration. Techniques can include soil carbon management, restoration of native vegetation, and eliminating in-field burning practices. Indirect land use Possible unintended consequences of indirect land use

, sourcing, or financial investments that do not cause or contribute to deforestation (AFi, 2019). Peatland: An area with or without vegetation with a naturally accumulated peat layer at the surface, while

Handbook on ACMF Pass under ASEAN Capital Market Professional Mobility Framework Handbook on ACMF Pass under ASEAN Capital Market Professional Mobility Framework Issued: January 2019 Updated: September 2019 2 Contents 1. Introduction 3 2. Definition 4 3. Guidance on ACMF Pass Framework 3.1 ACMF Pass overview 5 3.2 Permitted activities 6 3.3 Application process 9 3.4 On-going obligation 9 3.5 Monitoring, supervisory and enforcement mechanism 11 3.6 National regulations regarding the approval proc...

the making of such analysis or forecast, or neglect to consider the accuracy of such information, or by distorting the information used in the making of the analysis or the forecast, and disclose or

false or incomplete which may cause material misunderstanding in the making of such analysis or forecast, or neglect to consider the accuracy of such information, or by distorting the information used in

Investor Strategies for Incorporating ESG Considerations into Corporate Interactions www.blackrock.com www.ceres.org Century21st Engagement Investor Strategies for Incorporating ESG Considerations into Corporate Interactions [ 5 ] FOREWORD The Value of Our Voice ......................................................................................................................................... 1 How ESG Megatrends Are Shaping Valuation ...........................................................