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 chairman's message  
1.0    introducing mecu
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1.1      organisational profile
1.2     our awards and external recognition
1.3     2007/08 sustainability covenant performance           summary
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2.0    reporting structure
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2.1      scope
2.2     our readers
2.3     determining the content of the report
2.3.1  stakeholder engagement
2.3.2  sustainability covenant
2.3.3  materiality assessment
2.3.4  global reporting initiative
2.4      how to read our susainability report
2.5      changes
2.6      framework
2.7      reporting and assurance
2.8      feedback
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3.0    ethics and governance
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3.1     our goal
3.2     our approach and commitments
3.2.1  board of directors
3.2.2  board committees
3.2.3  the board and member involvement
3.2.4  director remuneration
3.2.5  senior management
3.2.6  management systems
3.2.7  political lobbying and contributions
3.2.8  stakeholder engagement
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4.0    delivering value
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4.1     our goal
4.2     our approach and commitments
4.2.1  financial performance
4.2.2  economic performance
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5.0    our members
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5.1     our goal
5.2     our approach and commitments
5.2.1  member profile
5.2.2  social inclusion
5.2.3  value to members
5.2.4  engaging mecu members
5.2.5  compliance, member privacy, complaints and
         sensitive issues
5.2.6  member deposits
5.2.7  member financial education and advice
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6.0    our employees
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6.1     our goal
6.2     our approach and commitments
6.2.1  employee profile
6.2.2  recruitment
6.2.3  staff turnover and job creation
6.2.4  health and safety
6.2.5  training and development
6.2.6  employee remuneration and benefits
6.2.7  external support for employees
6.2.8  human rights
6.2.9  staff engagement
6.2.10   employee volunteering and fundraising
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7.0    our products
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7.1     our goal
7.2     our approach and commitments
7.2.1  ethical investment and lending
7.2.2  mitigating the impact of climate change
7.2.3  value of lending with an environmental and
          social benefit
7.2.4  goGreen® car loan
7.2.5  goGreen® home loan
7.2.6  goGreen® home improvement loan
7.2.7  mecu visa credit card
7.2.8  affordable housing finance
7.2.9  programs and products for students
7.2.10  community sector banking
7.2.11  premium first homebuyers loan
7.2.12  socially responsible product features
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8.0    our environment
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8.1     our goal
8.2     our approach and commitments
8.2.1  environment policy
8.2.2  paper
8.2.3  waste
8.2.4  energy
8.2.5  retrofitting
8.2.6  travel
8.2.7  water
8.2.8  land
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9.0    our communities
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9.1     our goal
9.2     our approach and commitments
9.2.1  community partnership program
9.2.2  affordable housing
9.2.3  key partnerships mecu supported in
          2007/2008
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10.0   independent assurance statement  
11.0   definitions  
12.0   GRI G3 application level statement          and GRI G3 index  
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