The work rules and standards of conduct for the Ripple Group are important, and they are to be taken as seriously. All team members are urged to become familiar with these rules and standards. In addition, team members are expected to follow the rules and standards faithfully in doing their own jobs and conducting the Company’s business. Please note that any team member who deviates from these rules and standards will be subject to corrective/disciplinary action, up to and including termination of employment. Please refer to the code of conduct and business ethics later in the hand book.