Corporate Responsibility

Introduction

We believe in acting in an ethical and responsible manner and are committed to ethical and responsible conduct throughout our operations.

Code of Business Conduct and Ethics

We are committed to adhering to the highest standards of business conduct and ethics. The Board of Directors has adopted a Code of Business Conduct and Ethics Policy to ensure we adhere to honest and ethical conduct. Our Code of Business Conduct and Ethics includes strict provisions against bribery, corruption, and other illegal or unethical business practices in accordance with applicable state and federal rules and regulations.

Access and Affordability

We are committed to serving all of our customers. We recognize the importance of fair lending laws and regulations and have adopted a corporate compliance policy with respect to the Community Reinvestment Act. We strive to comply with the Americans with Disabilities Act and continue to enhance our services to assist all of our customers.

Consumer Protection

We are dedicated to customer service and trustworthiness. We maintain a comprehensive Consumer Complaint Policy that establishes a process to resolve customer concerns in a timely, effective, and compliant manner. We also offer comprehensive services to educate new and existing customers on safe and proper use of our banking services.

Data Security

We prioritize data security through robust information security and data privacy policies and processes. We maintain adhere to all regulations and laws regarding data security and cybersecurity. Further, we provide customer education on securing confidential information, monitoring account access, and preventing fraud and other breaches of security through our Fraud Prevention Education Center.

We train employees to monitor for identity theft and other forms of cybersecurity threats. We monitor transactions to protect customer accounts via state-of-the-art intelligence technology and skilled fraud experts.

Resource Conservation

We endeavor to conserve our natural resources and the environment. We encourage electronic communication and online banking to reduce overall paper use in our customer communications. In addition, we encourage energy efficiency in our offices and branch locations. We engage in a comprehensive recycling program to limit waste of paper and to ensure proper disposal of electronic waste and other office products.

Community Engagement

We actively support the well-being of the communities where we operate. We give back to the community through our support of Community Reinvestment Act programs, as well as financial education programs to ensure all of our customers are served and to assist customers with financial wellness. Our community engagement goal is to help create shared value and future prosperity for the communities where we operate.

Human Capital Management

Hiring, Promotion & Talent Development

We are committed to the health, safety, and wellness of our employees. We believe that our employees are truly our most valuable asset and that each of us directly contributes to our continued mutual success. It is our policy to fully comply with all state and federal laws applicable to discrimination in the workplace. We recruit the best people for the job regardless of gender, race, ethnicity, age, disability, sexual orientation, gender identity, cultural background, or religious belief.

We are always looking to build our workforce from within and promote from our current talent pool whenever possible. When this is not the case, we look to career fairs and local colleges to network on an ongoing basis, as well as utilizing professional networking platforms. We also have a referral bonus program for current employees. We are also committed to the continued development of our employees. Our employees complete compliance, IT, and other banking industry-related trainings throughout the year. We aid our employees with position-related training and development when available.

Compensation and Benefits

We provide robust compensation and benefits programs to help meet the needs of our employees. In addition to competitive salaries, these programs include a 401(k) Retirement Plan, full medical, dental and vision insurance, life insurance and paid time off. As part of our compensation philosophy, we believe that we must offer and maintain market competitive total rewards programs for our employees in order to attract and retain superior talent.