Corporate Governance

We have always taken our fiduciary responsibility to our shareholders seriously. Our foundation of core values that are the basis for how we conduct our business is supported by strong internal controls and accounting processes. The recent requirements to emphasize our commitment to corporate governance are consistent with how we have always operated our Company.

Issues or concerns related to St. Mary’s accounting, internal controls and/or auditing practices can be reported to the Audit Committee of the Board of Directors or to any other independent director. Telephone calls can be directed to St. Mary’s Independent Director Access Line at 866-674-2287. Independent directors can be emailed at independentdirectors@stmaryland. com. All telephone calls, emails and other correspondence are anonymous and confidential.