conduct review committee

The Conduct Review Committee of the Bank is comprised entirely of independent directors and performs several functions, including the following:

• Reviews the related party transaction policy, at least annually
• Receives a list of related parties and related party transactions at least annually, and approves related party transactions, in accordance with policy
• Reviews annually workplace harassment policies and procedures, and deals with matters of work place harassment, should any arise
• Reviews annually customer complaint policies and procedures, and deals with matters regarding customer complaints, should any arise
• Undertakes an annual review of the Code of Conduct, including conflict of interest matters, should any arise, and monitors compliance with the Code
• Reports to the Board of Directors on matters reviewed by the Committee after each meeting

Members: C. Scott Ritchie (Chair), David A. Bratton