5.1 RISK MANAGEMENT POLICY5.2 RISK APPETITE5.3 RISK LIMITS5.4 RISK MANAGEMENT SYSTEMS5.5 MANAGEMENT INFORMATION SYSTEM5.6 VERIFICATION OF RISK ASSESSMENT5.7 HUMAN RESOURCE DEVELOPMENT5.8 TOP MANAGEMENT COMMITMENT5.9 CAPITAL ADEQUACY ASSESSMENT AND DISCLOSURE REQUIREMENT5.10 RISK PRIORITIZATION5.11 SUMMARY