Corporate Social Responsibility 2017 Impact Report by Financial Services Roundtable

C O R P O R AT E S O C I A L R E S P O N S I B I L I T Y

Impact Report 2O17 Financial Services Roundtable

2 | Corporate Social Responsibility

TABLE OF CONTENTS Message from FSR ...........................................5 Impact by the Numbers ..................................6 Disaster Relief ................................................13 CSR National Sponsors ...................................14 CSR Company of the Week .............................20 Ameriprise Financial, Inc. ....................................21 Citigroup Inc. ......................................................22 Synovus ...............................................................23 BBVA Compass ...................................................24 BB&T Corporation ..............................................25 MUFG Union Bank, N.A. .....................................26 The Hartford .......................................................27 Transamerica .......................................................28 Bank of America Corporation .............................29 TSYS ....................................................................30 State Farm® .........................................................31 Regions Financial Corporation ...........................32 Visa Inc. ...............................................................33 Unum ...................................................................34 State Farm® .........................................................35 Toyota Financial Services ....................................36 Transamerica .......................................................37 The PNC Financial Services Group, Inc. ..............38 Allstate Insurance Company ...............................39 Popular, Inc. ........................................................40 Wells Fargo & Company .....................................41 TD Bank ..............................................................42 People’s United Bank ..........................................43 Webster Financial Corporation ..........................44 John Deere Financial Services, Inc. ....................45 Bank of America Corporation .............................46 IBERIABANK Corporation ..................................47 Santander ............................................................48 LPL Financial .......................................................49 SunTrust Banks, Inc. ............................................50 BBVA Compass ...................................................51 Synovus ...............................................................52 Genworth Financial .............................................53 Voya Financial, Inc. ..............................................54 BB&T Corporation ..............................................55 Citigroup Inc. ......................................................56 MUFG Union Bank, N.A. .....................................57

Synchrony Financial ............................................58 Popular, Inc. ........................................................59 Unum ..................................................................60 Visa Inc. ...............................................................61 Discover Financial Services .................................62 Allstate Insurance Company ...............................63 Regions Financial Corporation ...........................64 CIBC Bank USA ...................................................65 Allstate Insurance Company ..............................66 TD Bank ..............................................................67 Allianz Life Insurance Company of North America ...68 BMO Financial Corp. ..........................................69 The PNC Financial Services Group, Inc. .............70 Protective Life Corporation ................................71 BBVA Compass ...................................................72 Discover Financial Services .................................73 Northern Trust Corporation ...............................74 TSYS ....................................................................75 Santander ...........................................................76 State Farm® .........................................................77 Ally Financial Inc. ................................................78 KeyCorp ..............................................................79 U.S. Bancorp .......................................................80 Genworth Financial .............................................81 Protective Life Corporation ................................82 BB&T Corporation ..............................................83 SunTrust Banks, Inc. ............................................84 CIT Group, Inc. ....................................................85 LPL Financial .......................................................86 BMO Financial Corp. ..........................................87 Bank of America Corporation ..............................88 Visa Inc. ...............................................................89 Unum ..................................................................90 Caterpillar Financial Services Corporation ........91 KeyCorp ..............................................................92 Discover Financial Services .................................93 MUFG Union Bank, N.A. .....................................94 Webster Financial Corporation ...........................95 Regions Financial Corporation ...........................96 Synovus ...............................................................97 The Hartford .......................................................98 TD Bank ..............................................................99

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Ally Financial Inc. ..............................................100 TSYS .................................................................101 Synchrony Financial ..........................................102 Comerica Incorporated ....................................103 Toyota Financial Services .................................104 Synovus ............................................................105 Fulton Financial Corporation ............................106 U.S. Bancorp .....................................................107 SunTrust Banks, Inc. .........................................108 Genworth Financial ..........................................109 Popular, Inc. ......................................................110 Wells Fargo & Company ...................................111 Northern Trust Corporation .............................112 Fifth Third Bancorp ..........................................113 KeyCorp ...........................................................114 Discover Financial Services ..............................115 Regions Financial Corporation .........................116 State Farm® ......................................................117 IBERIABANK Corporation ................................118 M&T Bank Corporation ....................................119 BB&T Corporation ............................................120 Allstate Insurance Company ............................121 The PNC Financial Services Group, Inc. ..........122 Caterpillar Financial Services Corporation ......123 CIT Group Inc. ..................................................124 BMO Financial Corp. ........................................125 KeyCorp ...........................................................126 Protective Life Corporation .............................127 U.S. Bancorp .....................................................128 Lincoln Financial ...............................................129 Securian Financial Group, Inc. ..........................130 TSYS .................................................................131 Wells Fargo & Company ...................................132 SunTrust Banks, Inc. ..........................................133 Santander .........................................................134 Allianz Life Insurance Company of North America ..135 Toyota Financial Services .................................136 CIBC Bank USA ................................................137 MUFG Union Bank, N.A. ..................................138 BBVA Compass .................................................139 Protective Life Corporation .............................140 Genworth Financial ..........................................141 Comerica Incorporated ....................................142 Unum ................................................................143 BMO Financial Corp. ........................................144 Ally Financial Inc. ..............................................145

4 | FSR - Corporate Social Responsibility

Visa Inc. ............................................................146 Bank of Hawaii Corporation .............................147 Bank of America Corporation ............................148 Santander .........................................................149 Video Company of the Week ..........................150 CSR 115th Honorary Congressional Host Committee ........................................152 Corporate Social Responsibility Leadership Awards ....................................156 CSR Partner of the Week .............................160 Operation HOPE, Inc. .......................................161 Junior Achievement USA® ................................162 SER- Jobs for Progress National, Inc. ...............163 Women’s Institute for a Secure Retirement (WISER) ..164 Junior Achievement of Greater Washington ......165 Society for Financial Education and Professional Development, Inc. (SFE&PD) ........................166 Working in Support of Education (w!se) .............167 Jump$tart Coalition .........................................168 Remembering Robert G. Wilmers ..................169 FSR Foundation ...........................................170

MESSAGE FROM FSR

Once again, FSR member companies dramatically advanced the causes of financial literacy and community service all across America in 2017. For example, FSR members were quick to respond and lend a hand to those in need in communities devastated by natural disasters. More than $54 million was raised and donated to disaster relief by FSR member companies. In addition to aiding disaster relief, FSR member companies and their employees volunteered their time to other nonprofit efforts and invested in the economic development of their local communities. Through our Corporate Social Responsibility (CSR) efforts, FSR is proud to amplify our member companies’ service efforts. This Corporate Social Responsibility Impact Report highlights efforts to support great causes such as: housing the homeless, increasing financial literacy access, working with veterans, park restoration, feeding the hungry and more. Let’s make 2018 another successful year for corporate social responsibility!

Tim Pawlenty

CEO and President Financial Services Roundtable

Judy Chapa

Vice President Corporate Social Responsibility Financial Services Roundtable

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IMPACT BY THE NUMBERS

IMPACT BY THE NUMBERS Allianz Life Insurance Company of North America which found 37% of caregivers reported their elder experienced financial abuse with the victims losing an average of $36,000.

$7ML

Allstate Insurance Company employees and agency owners raised over $7 million for more than 8,000 nonprofit partners.

$4.1ML+

More than $4.1 million for local nonprofits was raised through public donations and grants from the Allstate Insurance Company’s “Purple Purse Challenge”.

500 Ally Financial Inc. employees and its auto dealer customers read “Planet Zeee and the Money Tree” to 22,000 children to teach financial concepts.

Ally Financial Inc. matched employee contributions to the American Red Cross Hurricane Harvey disaster relief efforts for a $66,000 donation.

81,OOO hrs

Ameriprise Financial, Inc. gave $13 million and 81,000 volunteer hours to support nonprofits.

Bank of America Corporation sponsored “The Vietnam War,” the 10-part, 18-hour documentary film by Ken Burns and Lynn Novick airing on PBS stations nationwide.

$5OML

Bank of America Corporation and the Tory Burch Foundation committed $50 million in affordable loans to U.S. women entrepreneurs.

6 | FSR - Corporate Social Responsibility

BB&T Corporation’s “Lighthouse Project” has helped make a positive change in the lives of more than 13 million people.

IMPACT BY THE NUMBERS BB&T Corporation’s “Double Dollars Program” has grown to over $600,000 annually, allowing those who shop at farmers markets to double the value of their federal nutrition benefits. BBVA Compass held 60 homeownership workshops and 259 financial education workshops in their seven Sunbelt states.

$1.1BL

5,5OO

BMO Financial Corp. supported Posse Chicago through sponsorships with 7,734 Posse Scholars receiving $1.1 billion in scholarships.

2,241

2,241 BMO Financial Corp. employees in the U.S. volunteered to give back to 118 United Way and nonprofit organizations on the sixth annual North American BMO Volunteer Day.

BBVA Compass’ “Project Blue Elf” brought toys and $25 savings vouchers to 5,500 children.

$55O,OOO

Caterpillar Financial Services Corporation surpassed their fundraising goal, raising more than $550,000 for United Way.

$2OO,OOO

CIBC Bank USA has contributed over $200,000 in Junior Achievement funding over the past 10 years. CIT Group, Inc. launched “CIT Cares Month” with employees in 13 locations completing over 7,500 volunteer hours.

Citigroup Inc. expanded commitment to “Pathways to Progress” with a $100 million investment and 10,000 Citi volunteers, to impact the lives of 500,000 young people in cities around the world by 2020.

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IMPACT BY THE NUMBERS On Citigroup Inc.’s 12th “Global Community Day”, more than 100,000 employees volunteered to work on over 1,500 service projects across 500 cities in 91 countries and territories.

2,OOO

More than 300 employees from Discover Financial Services’ marketing department volunteered at LEARN Charter School to complete projects and to fill 2,000 food bags for the students as part of “Blessings in a Backpack”.

IBERIABANK Corporation’s financial literacy effort reaches 6,000 elementary and middle school students.

John Deere Financial Services, Inc., with the I Have a Dream Foundation, hosted a Career Day, teaching more than 60 students about coding.

KeyCorp launched a $24 million dollar program to grow small business, invest in students and stabilize neighborhoods.

8 | FSR - Corporate Social Responsibility

5O,OOO

Discover Financial Services’ students and law volunteers packed 50,000 meals that will be distributed to Northern Illinois families in need.

$3OBL

Fifth Third Bancorp’s $30 billion Community Commitment plan, “Finance Academy”, builds upon the Bank’s dedication to financial empowerment.

During Genworth Financial’s 9th Global “Month of Service”, employees volunteered more than 6,000 hours and contributed more than $1.2 million to nonprofits.

Beyond funding the Habitat for Humanity build, 34 Genworth Financial associates volunteered more than 260 hours to help a neighbor achieve her homeownership dream.

$1OML

The Hartford, along with three insurance companies, will dedicate a combined $10 million to the City of Hartford each year for the next five years, focusing the assistance on important institutions, such as the city library system, law enforcement, and recreation centers.

IMPACT BY THE NUMBERS

$16.5BL

As part of its $16.5 billion “National Community Benefits Plan” KeyCorp held the first meeting of its National Advisory Council.

5OO

258

In one day, Lincoln Financial volunteers rebuilt 258 Junior Achievement kits; saving Junior Achievement $24,064.08 in kit costs.

The LPL Financial Foundation, employees, and leaders donated more than 4,000 volunteer hours to local communities.

M&T Bank Corporation’s Sales Development Program employees, using the “Banking on our Future” taught the basics of financial literacy to more than 500 juniors and seniors in Baltimore.

$6O,OOO

MUFG Union Bank, N.A.’s cycling team raised more than $60,000 for the San Francisco AIDS Foundation and the Los Angeles LGBT Center.

The PNC Financial Services Group, Inc. made a $350 million investment as part of PNC “Grow Up Great®“, a bilingual multi-year school readiness initiative for children up to age five.

8O,OOO

MUFG Union Bank, N.A. donated $20,000 to the LA Regional Food Bank, which will provide 80,000 meals to those in need.

3,OOO

Northern Trust Corporation donated 3,000 volunteer hours at one of the longest operating food pantries, Lakeview Pantry, for its United Way fundraising campaign.

The PNC Financial Group, Inc. donated their third mortgagefree home to a deserving veteran through the Military Warriors Support Foundation’s “Homes 4 Wounded Heroes” program.

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IMPACT BY THE NUMBERS

5OO

During Protective Life Corporation’s “Week of Service”, 300 employees dedicated more than 500 volunteer hours of service.

$1.6ML

Popular, Inc. allocated $1.6 million to over 40 local entrepreneurs through their program “StartUp Popular”, which increased local entrepreneurs’ sales by 30 percent.

Popular, Inc. launched the “Embracing Puerto Rico” campaign, with a $1,000,000 donation, which impacted 26 municipalities, more than 18,000 people, and distributed 181,000 pounds of food.

Protective Life Corporation brought awareness to Alabama’s foster children by hosting an inspirational exhibit which showcased approximately 56 children currently waiting to join a family. Regions Financial Corporation, whose workforce is 70 percent female, supported entrepreneurial aspirations by sharing expertise and exposing women to business opportunities.

Santander US recently announced a $2 million commitment to recovery efforts in Puerto Rico. Santander’s “Inclusive Communities” plan outlined the Bank’s five-year, $11 billion commitment to lending and community development. State Farm® provided $20 million for a partnership with Georgia State University to help qualified students have a pathway to a more productive future.

$1ML

State Farm® celebrated 10 years of partnering with Habitat for Humanity International Youth Programs.

10 | FSR - Corporate Social Responsibility

$1ML

$15O,OOO

Regions Financial Corporation’s commitment to Atlanta Police Foundation and it’s “At-Promise Youth and Community Center” included associate participation, $150,000 in contributions, and promoting in-neighborhood housing for police officers.

A donation from Securian Financial Group, Inc.’s foundation and employees allowed Securian to become a $1 million Partner for the ninth year, benefiting the Greater Twin Cities United Way.

IMPACT BY THE NUMBERS

SunTrust Banks, Inc. awarded grants, totaling $800,000, to groups with a focus in: financial education, financial counseling, career readiness/ workforce development, and small business/ entrepreneurship.

$1ML

Synovus raised $18,000 and the company contributed $10,000 for distribution to team members with immediate needs and for community relief efforts after Hurricane Irma.

8,4OO

Synovus’ initiative, “Banking on the Albany Community”, collected more than 8,400 pounds of food, which will provide more than 5,600 meals to those in need.

$3ML

TD Bank contributed $3 million to a National Foundation for Credit Counseling partnership to educate and empower small business owners.

2017 marked the 10-year anniversary of Toyota Financial Services’ national partnership with Boys & Girls Club of America.

SunTrust Banks, Inc.’s Charitable Irrevocable Trust gave $1 million to the Westside Future Fund to help revitalize the historic Atlanta Westside community and add 21 new teachers to the Hollis Innovation Academy, a STEM-based, K-8 Atlanta Public School.

15O

Synchrony Financial created the “Families That Work” corporate citizen program helping more than 150 nonprofits fulfill their mission of serving families and children in need.

TD Bank awards 25 nonprofits with a $100,000 grant to support affordable housing initiatives through its annual “Housing for Everyone” competition.

6O,OOO

Through key partners like Girl Scouts of the USA, Boys & Girls Club of America, and Junior Achievement Toyota Financial Services has reached more than 60,000 students.

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IMPACT BY THE NUMBERS

75,285

Four Transamerica employees ran half marathons for a good cause and raised more than $18,000 for the American Heart Association.

$75,OOO

Unum's Colonial Life contributed $75,000 to EdVenture- a children's museumempowering 200 middle school students by teaming up with community leaders to make plans for future success.

TSYS collected the equivalent of 75,285 bottles of water, providing water to the homeless in Central and Northern Arizona.

$8.9ML

U.S. Bancorp employees contributed a record $8.9 million in pledges to its communities across the country – a five percent increase over last year.

TSYS corporate United Way Campaign raised $1,585,835.

$11.2ML U.S. Bancorp donates $11.2 million in “Community Possible” grants to nonprofits focused on work.

$2OML

More than 75 Webster Financial Corporation bankers were part of a 500-person volunteer group that turned out this summer for the largest “United Way Day of Action” in the history of Webster’s headquarters city, Waterbury, Connecticut.

$372ML

Wells Fargo & Company committed $372 million to support the revitalization of communities through LIFT programs in 57 communities across the U.S.

$5OML

Wells Fargo & Company donated toward programs that help military members, including donating more than 300 homes valued at over $50 million to veterans in all 50 states.

12 | FSR - Corporate Social Responsibility

Visa Inc. made its first financial commitment of up to $20 million to Women’s World Banking aimed at supporting millions of women-owned small and micro enterprises.

2OO

Thousands of Voya Financial, Inc. employees volunteered during more than 200 events for their annual “National Day of Service” supporting various causes including mentoring and financial literacy.

DISASTER RELIEF

IMPACT BY THE NUMBERS

2017 was a year of many catastrophic natural disasters which started in late August with three historic back-toback hurricanes—Harvey, Irma, and Maria—followed closely by the deadliest week of wildfires in California history, which burned more than 218,000 acres, destroying some 8,900 structures including thousands of homes. FSR member companies raised and donated more than $54 million for disaster relief efforts to help their communities recover from the devastation left in the wake of hurricanes, floods, wildfires, tornados, and mud slides. Monies were not all that FSR member company associates contributed. Many member company employees were personally impacted by these natural disasters, and others opened their doors, sent supplies, and led local efforts to begin the recovery process.

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CSR NATIONAL SPONSORS Thank you to all of our 2017 Corporate Social Responsibility National Sponsors. It is through their financial contributions that the Corporate Social Responsibility initiative is able to promote the positive impact that FSR member companies make in their local communities, nationwide and worldwide. Allstate Insurance Company

KeyCorp

SunTrust Banks, Inc.

Ally Financial Inc.

Mastercard

Synovus

BancWest Corporation

MUFG Union Bank, N.A.

TD Bank

Bank of America Corporation Barclaycard BB&T Corporation BBVA Compass BMO Financial Corp. CIT Group, Inc.

Northern Trust Corporation

Toyota Financial Services

The PNC Financial Services Group, Inc.

Transamerica

Popular, Inc.

TSYS Unum

Principal Financial Group Protective Life Corporation

Citigroup Inc.

Regions Financial Corporation

Discover Financial Services

Santander

Genworth Financial

State Farm®

14 | FSR - Corporate Social Responsibility

U.S. Bancorp Visa Inc. Wells Fargo & Company

CSR NATIONAL SPONSORS

“Businesses play a vital role in society. We create prosperity by harnessing ideas, people and resources, and create dignity by providing meaningful work where people can realize their full potential and purpose in life. Businesses must be a force for good. At Allstate, we are a force for good through empowering youth and victims of domestic violence, and encouraging others to join us in using our capabilities and resources to improve communities.”

“At Ally our culture is relentlessly focused on supporting our colleagues, customers and communities. We give back to the communities in which we live and work with strategic partnerships that offer a hand-up to the financially underserved through programs to reduce barriers to economic mobility that make a lasting impact. Ally also provides financial education programs that help consumers improve their economic circumstances and enrich their lives.”

Tom Wilson, Chairman and CEO, Allstate Insurance Company

Jeffrey Brown, CEO, Ally Financial Inc.

“Environmental, social and governance (ESG) is about having a positive and responsible role in society, but doing it in a way that’s smart business. ESG informs how we run our company, the inclusive and supportive workplace we create for employees, the responsible products and services we offer customers, and the impact we make around the world in helping local economies thrive. We know we can only succeed when our clients, employees and communities we serve are successful.”

“At BB&T corporate responsibility is intrinsically tied to our mission to make the world a better place to live. We’re helping our clients achieve economic success and financial security. And we’re making a positive difference in our communities through the BB&T Lighthouse Project, which has resulted in our associates contributing 500,000 volunteer hours to improve the quality of life for more than 15 million people since 2009.”

Andrew Plepler, Global Head of Environmental, Social and Governance, Bank of America Corporation

Kelly S. King, Chairman and CEO, BB&T Corporation

“At BBVA Compass, our purpose is to bring the age of opportunity to everyone. We want to create opportunities in every corner of every community we serve, and we view every offering that boasts the BBVA Compass blue through the prism of our purpose. Does it create opportunities for our clients? Will it make it easier for them to run their businesses and their homes? Everything we do is oriented toward those outcomes.”

“Every day our BMO Harris Bank employees are making a difference in the lives of so many who need our help. I am honored and humbled to be part of a company that places so much importance on giving back to its communities, and to be part of BMO GenNext, a program that encourages young professionals or those who are young at heart to become involved with BMO charitable events through giving and volunteering.”

Onur Genç, CEO, BBVA Compass

Chris Begy, US Country Head and CEO, BMO Financial Corp.

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CSR NATIONAL SPONSORS

“CIT is committed to making a positive impact in the communities in which we live, work and do business. This is core to our culture. When communities prosper, businesses prosper. Through community development, volunteerism and strategic investments, we are focused on making a positive and meaningful impact.”

“Citi is committed to identifying and taking action on issues where we can use our global scale and expertise to make meaningful contributions. And while we don’t have all the answers and can’t solve every problem, we can and do stand for progress and will continue to do our part to conceive of and contribute to solutions that address some of society’s most daunting challenges.”

Ellen Alemany, CEO and Chairwoman, CIT Group, Inc.

Michael L. Corbat, CEO, Citigroup Inc.

“Giving back to our communities is embedded in our values and has helped shape Discover’s culture in everything we do. That culture is built on the fundamental belief that helping our customers, communities and our people makes our world a better place and our company stronger.”

“At Genworth, our employees are passionate about making a meaningful difference in people’s lives—whether it’s helping people achieve a more secure future through our products, or strengthening the communities in which we live through their outreach efforts. It’s part of our legacy. It embodies who we are today. And it guides who we will be tomorrow.”

David Nelms, Chairman and CEO, Discover Financial Services

“For KeyBank, corporate responsibility isn’t just what we do… it is how we do business. Responsible banking, citizenship and environmental stewardship are good for our neighborhoods, our communities and our company. We are more focused than ever on participating in the economic expansion, revitalization, and resurgence of the places we call home and the communities we so proudly serve.”

Beth Mooney, Chairman and CEO, KeyCorp

16 | FSR - Corporate Social Responsibility

Tom McInerney, President and CEO, Genworth Financial

“We are committed to drive systemic change across the key areas of education, environmental sustainability, affordable housing, economic development, and human services. We, at MUFG, understand that our bank will only be as successful as the individuals, families, businesses, and communities we serve – and that is why their prosperity is our top priority.”

Steve Cummings, CEO for the Americas, MUFG Union Bank, N.A.

CSR NATIONAL SPONSORS

“Northern Trust aligns our Corporate Social Responsibility (CSR) efforts with our guiding principles of service, expertise and integrity. We have made great progress in the area of sustainable development and are continuously working toward creating long-term worthwhile value for our clients, our communities, our colleagues and other key stakeholders. As the global landscape evolves in complexity and in need, it is our obligation to support our key CSR priorities which include sustainable products and services, increased employee engagement, commitment to diversity and inclusion, ethical business practices as well as the communities in which we live and work.”

“Being socially responsible is an integral part of our corporate culture. Serving our communities is one of the core values that has been guiding us for 124 years. Popular is committed to continue working with our communities to ensure their growth, welfare and progress.”

Ignacio Alvarez, President and CEO, Popular, Inc.

Frederick Waddell, Former CEO, Northern Trust Corporation “Protecting tomorrow is an important mission for our company. It extends beyond what we strive to do for our customers and shapes our support and involvement in the communities across the U.S., where we live and work.”

Richard L. Bielen, President and CEO, Protective Life Corporation

“Our associates embrace Regions’ goal of making a meaningful difference in the communities where we work and live. We are passionate about finding ways to do more for the greater good. Together, we work to support our communities by committing our time, talent and expertise to projects that contribute to small business growth, job creation, financial education, safe and affordable housing, and volunteerism. Corporate social responsibility puts our mission to make life better into action.”

Grayson Hall, CEO, Regions Financial Corporation

“Santander’s approach to Corporate Social Responsibility means that all of our business efforts keep short-term and long-term outcomes, including social welfare. We recognize that Santander’s success is directly linked to the prosperity of our communities’ families, businesses and neighborhoods. We are committed to being a good corporate citizen through our products and services, as well as our community development programs, philanthropy and volunteerism” said Powell, CEO of Santander US, the Bank’s U.S. holding company.”

“At State Farm, we have a long-standing history of giving back to our communities. We help people – this is at the core of who we are and what we’re about. But we also want to be a catalyst for people to become involved in their communities.

Through our Neighborhood of Good®, we are leading a movement to encourage and empower people to get involved and take action. It’s a spirit of neighbors helping neighbors, and we’re working together to make, and inspire, a meaningful difference in our world.”

Michael Tipsord, CEO, State Farm®

Scott Powell, CEO, Santander US

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CSR NATIONAL SPONSORS

“Despite a steadily improving economy, personal finances remain fragile across the country. We have an obligation to help people reduce financial stress. SunTrust is leading the onUp movement to encourage a national conversation about money, equipping consumers and other employers with relevant resources. As a purpose-driven company dedicated to Lighting the Way to Financial Well-Being, our CSR activities are largely centered on building financial confidence among clients and communities.”

“The best way to ensure the long-term growth of our bank is to help ensure the growth of the communities where we operate. That means more than taking deposits, providing loans, or earning the right to do the next transaction. It also means serving with our time and talent. At Synovus, our CSR efforts are built on a century-plus legacy of service to all the communities in which we operate as the bank of here.”

Kessel Stelling, CEO, Synovus

Bill Rogers, Chairman and CEO, SunTrust Banks, Inc. “As a corporate citizen, we have a responsibility to enrich the lives of our customers and colleagues and support the diverse communities we serve,” said Greg Braca, CEO, TD Bank. “Whether it’s planting more than 7,000 trees within hundreds of communities, advocating for diverse and inclusive communities through activities like our 29 city pride events or providing more than $17 million to nonprofits working to strengthen our communities, we are making a meaningful impact by supporting the issues that matter most.”

Greg Braca, CEO, TD Bank

“At TFS, we know the importance of understanding credit and the financial opportunities that go along with financial capability. When we partner and volunteer with organizations that provide young people with financial tools and education, we help ensure they are prepared before, not after, they are faced with the critical choices of how to spend their hard-earned paychecks.”

Mike Groff, CEO, Toyota Financial Services

18 | FSR - Corporate Social Responsibility

“Our commitment to corporate social responsibility is the very embodiment of a philosophy that shapes every decision that impacts our customers, communities, employees and shareholders. By doing business with integrity, doing what is right by the people that we serve and looking out for the best interests of all of our stakeholders, we have created a culture that enables PNC to thrive and grow.”

Bill Demchak, Chairman, President and CEO, The PNC Financial Services Group, Inc.

“Transamerica is in the business of helping people live well, while maximizing their prospects for achieving long-term health and financial security. This dual focus is core to our business and also is reflected in our commitment to the communities in which we work and live. Giving back and making a positive difference is fundamental to who we are and reflects well the spirit of our dedicated employees.”

Mark Mullin, President and CEO, Transamerica

CSR NATIONAL SPONSORS

“At TSYS, we’ve been making a difference in our communities for 35 years. We believe corporate social responsibility is the right thing to do. Our team members volunteer their time, share their talents and contribute financial support to help others. We call this giving spirit The Heart of TSYS, and we’re particularly proud that TSYS is a four-time honoree of The Civic 50, the list of the most community-minded companies in the nation.”

Troy Woods, Chairman, President and CEO, TSYS

“At Unum, we’re in the business of being there when people need us most. Whether it’s our customers, our colleagues or our neighbors in the community, helping others is just part of who we are. Giving back to the places we live and work is one of our core values, and it reflects the caring spirit of our company and employees. After all, being a leader is about more than just business. It’s about embracing social responsibility and helping improve the lives of others.”

“Banks have been the cornerstone of communities for generations – it is a role we are proud to fill at U.S. Bank. Community Possible is our corporate giving and engagement platform focused on the areas of Work, Home and Play. We invest our time, resources and passion in economic development to build stronger financial futures by supporting efforts to create stable jobs, better homes and vibrant communities.”

Andy Cecere, President and CEO, U.S. Bancorp

“As a brand and a business, Visa has always stood for making a positive and transformational impact on the world. The Visa Foundation has been established to build on a long history of corporate giving and will accelerate the delivery of our social impact goals. Our intention is to establish a legacy of meaningful contributions by helping millions of microenterprises thrive.”

Alfred Kelly Jr., CEO, Visa Inc.

Rick McKenney, President and CEO, Unum

“The commitment to social responsibility is deeply ingrained in Wells Fargo’s history and thrives through our dedication to make every community in which we live and do business better,” said Tim Sloan. “Today, our top priority is to rebuild trust, and our efforts and performance in advancing diversity and social inclusion, creating economic opportunities in underserved communities, and reducing the impacts of climate change are more important than ever as we work to build a better bank for the future.”

Tim Sloan, CEO, Wells Fargo & Company

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Company of the Week Each “Company of the Week” is an example of what Financial Services Roundtable member companies do every day. The financial services industry provides extraordinary services to communities throughout America. Employees of FSR member companies volunteer during the year for financial literacy, neighborhood improvement, fundraising, health care, child services and much more. Every FSR member company dedicates time to corporate social responsibility in the communities they serve.

20 | FSR - Corporate Social Responsibility

COMPANY OF THE WEEK

Ameriprise Financial Gives Back to the Community With $13 Million and 81,000 Volunteer Hours in Support of Nonprofits Ameriprise Financial, with its employees and advisors, gave $13 million and logged 81,000 hours volunteering at nonprofits across the country. The firm directed much of its support to nonprofits helping individuals meet basic needs like food and shelter. The highlight of the firm-wide commitment to volunteerism took place on the Ameriprise National Days of Service, which aim to help the one in eight Americans struggling with hunger. For the past several years the National Days of Service have been the largest single-day volunteer events hosted with Feeding America, the nation’s leading domestic hunger-relief organization. The events brought together 14,000 Ameriprise volunteers across the country to prepare More than 14,000 Ameriprise Financial volunteers came more than 1.5 million meals. together to package food items for families and individuals in need during the company’s National Days of Service.

“Ameriprise advisors and employees offer their time, talents, and financial support to organizations that help neighborhoods, families, and individuals thrive,” said Brian Pietsch, head of community relations at Ameriprise. “Investing in our communities is etched into our core values as a company.”

Congratulations Ameriprise Financial, Inc.!

Impact Report 2O17 | 21

COMPANY OF THE WEEK

Citi Foundation Announces Largest Philanthropic Commitment Ever to Reduce Youth Unemployment

More than 14,000 Ameriprise Financial volunteers came together to package food items for families and individuals in need during the company’s National Days of Service.

The Citi Foundation expanded their “Pathways to Progress” commitment with a $100 million investment to impact the lives of 500,000 young people, ages 16-24, in cities around the world by 2020. To support these efforts, Citi is mobilizing 10,000 Citi volunteers to serve as mentors, coaches, and role models to help young people move towards their career goals. Citi’s journey with “Pathways to Progress” began three years ago, and they have since invested $50 million to help 100,000 youth across the United States become career ready. The Citi Foundation is intentional about learning what works, what doesn’t, and how to test, scale, and replicate proven solutions going forward. A big part of their learning is through the research they support. They recently released Global Youth Survey 2017: Economic Prospects & Aspirations to understand what young people need to succeed.

Congratulations Citigroup Inc.!

22 | FSR - Corporate Social Responsibility

COMPANY OF THE WEEK

Synovus/SB&T Supports Albany Community After Severe Storms 2017 was extremely challenging for Albany and Southwest Georgia as hundreds of families lost their homes when deadly storms hit the community in quick succession. SB&T, a division of Synovus Bank, immediately stepped in to help restock the empty shelves of Second Harvest Food Bank by developing “Banking on the Albany Community”. SB&T contacted and partnered with 15 community banks in the area to accept donations at all 40 of the banks’ locations. During two months of donations, “Banking on the Albany Community” collected more than 8,400 pounds of food, which will provide more than 5,600 meals. SB&T partnered with Albany-native and San Francisco Giants Catcher Buster Posey to donate book bags to each of the 580 students at Synovus’ Partner in Education school, Radium Springs Elementary. In addition, Synovus/SB&T committed to Grow Albany – a partnership for replanting trees across the entire community.

SB&T President Pam Simmons hugs students at Radium Springs Elementary.

Congratulations Synovus!

Impact Report 2O17 | 23

COMPANY OF THE WEEK

BBVA Compass, Opportunity Finance Network Welcomed First Class of Opportunity Fellows to Birmingham

The inaugural class of Opportunity Fellows in Birmingham, Ala., as they convened for a three-day session on how to lead the change necessary to give under-served communities equal access to capital.

BBVA Compass and Opportunity Finance Network welcomed their inaugural class of 25 Opportunity Fellows to Birmingham, Alabama, for a three-day training session where they explored how to lead the change necessary to give under-served communities equal access to capital. The Opportunity Fellows Program is designed to boost the leadership ranks and spur the transformation of Community Development Financial Institutions, or CDFIs, which are critical engines of opportunity in low-income communities. The 25 fellows represent CDFIs across the country. “We could not be more proud of this leadership program, and of these participants,” said BBVA Compass Director of Corporate Responsibility and Reputation Reymundo Ocañas. “These are the leaders of organizations who put capital to work directly in low-to-moderate-income communities. The idea is to arm them with the tools and skills they need to flourish in this impactful field of community-oriented finance.”

Congratulations BBVA Compass!

24 | FSR - Corporate Social Responsibility

COMPANY OF THE WEEK

BB&T Partnership Helps Those Seeking Citizenship The reasons people immigrate to the U.S. differ, but each story is typically laced with the common thread of achieving the American dream. The Hispanic Unity of Florida (HUF) eases the transition for newcomers. The nonprofit offers assistance to a diverse community. “HUF has been around for a long time. While they’re primarily known for helping Hispanics, they also help those from other backgrounds and cultures,” said Arthur Costa, regional multicultural banking officer. Beyond financial support, BB&T has also taken an active role in the financial well-being of HUF’s participants. BB&T provides programs that address banking basics, family budgeting, and becoming a homeowner. The BB&T Bank Bus has also been used to provide free tax preparation BB&T associates ready to help others in the community. in the Fort Lauderdale, Fla. market through the Volunteer Income Tax Assistance program. BB&T’s partnership speaks to the company’s mission, and our goal is to help HUF participants be successful in the U.S.

Congratulations BB&T Corporation!

Impact Report 2O17 | 25

COMPANY OF THE WEEK

MUFG Employees Support International Women’s Day

On March 8, MUFG colleagues in the Americas wore purple to commemorate International Women’s Day and organized events to demonstrate the bank’s support for the advancement of women and celebrate their critical contributions to our company’s success. In New York, a panel discussion with four top female executives attracted a packed audience. In Pasadena, California, two of the bank’s employee-run Enterprise Resource Groups co-hosted a teleconference with two senior women leaders. The speakers recounted their career trajectories, offered sound advice, and answered questions from the audiences. In Toronto, the bank hosted a discussion about the importance of gender equality in society and the workplace, covering topics including diversity in the workplace and mentorship as ways to foster the next generation of female leaders and help them pursue their professional goals. As one of the illustrations about International Women’s Day that we published on our intranet says, “Every day is March 8.”

Congratulations MUFG Union Bank, N.A.!

26 | FSR - Corporate Social Responsibility

COMPANY OF THE WEEK

Insurance Companies Dedicate $10 Million to the City of Hartford

The Hartford teamed up with Travelers and Aetna to help the City of Hartford with a looming budget crisis amid enormous challenges facing Connecticut’s capital city. The three insurance companies will dedicate a combined $10 million to the City of Hartford each year for the next five years, focusing the assistance on important institutions, such as the city library system, law enforcement, and recreation centers. The financial commitment is in addition to the already sizable tax and philanthropic contributions The Hartford and its peer companies make to the community. “The Hartford has been headquartered in the city for more than 200 years, and we recognize that our success is inextricably linked to the well-being of our customers, employees, and the communities in which we live and work,” said Thomas Bartell, deputy general counsel and head of Government Affairs for The Hartford.

Congratulations The Hartford!

Impact Report 2O17 | 27

COMPANY OF THE WEEK

Transamerica Tomorrow Chasers Run Their Hearts Out for a Good Cause Four Transamerica employees recently hit the pavement for a good cause, each racing as Tomorrow Chasers in the 2017 Washington, DC, and Dallas Rock ‘n’ Roll Half Marathons. As a Tomorrow Chaser, the runner starts the race at the very back of the pack and for every competitor he or she passes over the 13.1 mile course, Transamerica donates one dollar to the American Heart Association (AHA). The combined efforts of DC runners Eoin Elliffe and Suzie Obrou, and Dallas runners Justin Hung and Beth Holmes – each of whom had their personal motivation and inspiration for testing their minds and bodies in such a grueling manner – raised more than $18,000 for AHA.

Through its Tomorrow Chasers program, Transamerica has raised tens of thousands of dollars for the American Heart Association over the past year and a half.

This successful partnership between Transamerica, AHA, and the Rock ‘n’ Roll Marathon series carries over from last year, during which Transamerica donated a total of $76,000 to AHA through its participation in eight different Rock ‘n’ Roll events.

Congratulations Transamerica!

28 | FSR - Corporate Social Responsibility

COMPANY OF THE WEEK

Partnering to Create Stronger Communities: Bank of America’s Neighborhood Builders® Program There’s something buzzing in Chicago, and it’s not just the honeybees. Urban apiaries at the North Lawndale Employment Network, a workforce development nonprofit, are a key component to improving residents’ earning potential through employment initiatives including a bee product social enterprise, Sweet Beginnings. The North Lawndale Employment Network is one of 1,000 nonprofits that Bank of America has recognized as a Neighborhood Builder since 2004. The program helps build thriving communities by addressing issues of economic mobility and advancing nonprofit leadership to solve tough community challenges through a combination of leadership development, $200,000 in flexible funding, a network of peer organizations across the U.S. and the opportunity to access capital.

orth Lawndale Employment Network’s social enterprise, N “Sweet Beginnings”, produces raw honey and honey-infused body care products and serves as an anchor for the North Lawndale neighborhood, employing men and women returning from incarceration and helping them develop a stable work history, learn marketable skills and gain the confidence they need to re-enter the workforce.

For North Lawndale Employment Network, the Neighborhood Builders award means more philanthropic and intellectual capital to expand its community impact.

Congratulations Bank of America Corporation!

Impact Report 2O17 | 29

COMPANY OF THE WEEK

TSYS Team Members Support Little Black Dress Initiative

Members of the TSYS Women’s Network led TSYS participation in the Little Black Dress Initiative, which raises awareness of generational poverty.

For a week in March 2017, the TSYS Women’s Network and other team members supported the global Little Black Dress Initiative, which raises awareness of generational poverty. Participants wore a black dress (or outfit) for five consecutive days to illustrate the effects poverty can have on a woman’s access to resources, her confidence, and professional opportunities. Outfits were accessorized with a pin that read: “Ask Me About My Dress.” The United Way provided statistics about poverty and when asked about their buttons, participants shared this information and encouraged those asking to donate supplies or money to local charitable partners. Donations were collected at various TSYS locations. Generational poverty occurs in families where at least two generations are born into poverty. Research indicates families need an income of twice the federal poverty threshold to meet basic needs ($47,428 for a family of four).

Congratulations TSYS!

30 | FSR - Corporate Social Responsibility

COMPANY OF THE WEEK

State Farm® Class of 2017 Money Mentors Graduate

State Farm® Money Mentors and Pam Atkinson celebrate Money Mentor graduation.

State Farm® recently graduated 15 Money Mentors. Money Mentor is a volunteer program of the University of Illinois Extension that pairs trained mentors with mentees that would like assistance developing their money management skills and achieving financial goals. The program began in 2013 and has trained 132 mentors who have worked with 217 mentees to achieve financial success. Mentors have provided over 2,417 volunteer hours. “This program works because of the relationships built between the mentor and mentee which fosters encouragement, accountability, and education,” said Pam Atkinson, Money Mentor coordinator. “The Money Mentor training provided valuable insights into better understanding other people’s values and communicating financial concepts. It is important to understand my mentees’ perspective and identify the financial goals that are important to them and why,” said Porter.

Congratulations State Farm®!

Impact Report 2O17 | 31

COMPANY OF THE WEEK

Regions Bank Supports Urban League’s “Save Our Sons” Job Training Program in St. Louis

Regions Bank associates and Urban League of Metropolitan St. Louis staff and mentors join a graduating cohort from the “Save Our Sons” job skills training program.

Save Our Sons, a workforce development program launched in 2015 by the Urban League of Metropolitan St. Louis with support from Regions Bank, has provided job skills training for more than 500 unemployed or underemployed young men in Missouri’s North St. Louis County, which includes Ferguson. Designed to help economically disadvantaged and chronically underemployed African American men find jobs, keep jobs, get promoted, and earn living wages, Save Our Sons focuses on developing vital workforce skills. Financial education is key, with a goal of developing good financial stewards who understand the importance of managing finances and achieving economic self-sufficiency. Regions supports Save Our Sons by providing technical assistance, developing curricula, and teaching financial workshops. Regions also collects business suits donated by bankers and gives them to participants, who wear them to job interviews and eventually to work. Urban League affiliates across the country have replicated this effective and innovative program.

Congratulations Regions Financial Corporation!

32 | FSR - Corporate Social Responsibility

COMPANY OF THE WEEK

11th Annual Financial Literacy Summit with the Federal Reserve Bank of Chicago In April 2017, Visa and the Federal Reserve Bank of Chicago celebrated their 11-year partnership co-hosting the Financial Literacy Summit. The 2017 program, themed Overcoming Barriers to Universal Financial Education, convened senior international financial education experts to explore global challenges, including the gender gap and harnessing innovation in technology to improve financial education. Speakers included Deputy Minister Vanessa Rubio-Márquez of the Ministry of Finance and Public Credit of Mexico, Emre Önyurt of the Capital Markets Board of Turkey and Carlos Orta, Vice President of Regulatory Panelists at the 2017 Financial Literacy Summit discussed Policy of the National Banking and Securities the unique global challenges to providing equal access to Commission of Mexico. The event was financial education. attended by more than 450 people in Chicago and viewed by thousands online from more than 60 countries. Past speakers at the event — which has had more than 22,000 viewers in the last decade — have included governors of central banks, members of Canadian Parliament and other high-ranking government officials.

Congratulations Visa Inc.!

Impact Report 2O17 | 33

COMPANY OF THE WEEK

Unum Contributes Financial and Volunteer Resources to Support Youth Development Programs Colonial Life’s $75,000 contribution to EdVenture – a children’s museum in Columbia, South Carolina– supports youth development programs for under resourced students in grades 6-12. One such program, the BeABoss Youth Summit held in March, empowered 200 middle school students by teaming up with community leaders to make plans for future success. Breakout sessions featured topics on health and wellness, civic responsibility, leadership, personal vision, and goal setting. “While most people know us for the museum, many aren’t aware of all the programs we offer for older children both inside and outside of the building,” said Volunteers from Colonial Life prepare giveaway bags for the Karen Coltrane, EdVenture president and annual BeABoss Youth Summit. CEO. “By providing financial and volunteer resources to community organizations for programs like BeABoss, we’re positioning students for a lifetime of success,” said Mary Wagnon, assistant vice president at Colonial Life and member of the EdVenture board of directors.

Congratulations Unum!

34 | FSR - Corporate Social Responsibility

COMPANY OF THE WEEK

State Farm® Connects with the Community in the Dallas Area Making a positive community impact is a core value of State Farm® and important to its employees. The State Farm® at citylink™ community center in Richardson, Texas, supports this value by connecting State Farm® employees to community organizations, nonprofit partners, and schools. State Farm® has a rich history of giving back, and employees readily donate their time; but transportation, schedules, and personal commitments are sometimes a barrier for an eager volunteer. To provide all employees with the chance to volunteer, citylink works with nonprofit partners to periodically host volunteer events onsite, making it easy for employees to participate.

Employees volunteer at citylink assemble educational craft kits for ChildCareGroup early childhood education centers.

Community partners are also able to use citylink space for events, such as nonprofit board meetings, voter registration drives, and Chamber of Commerce meetings. These community connections made through citylink are one way State Farm® is helping to build safer, stronger, and better educated communities.

Congratulations State Farm®!

Impact Report 2O17 | 35

COMPANY OF THE WEEK

Toyota Financial Services Helps Youth Build Financial Capability at an Early Age Toyota Financial Services (TFS) helps “make life easier” (MLE) by providing educational opportunities and developmental tools for youth to be successful in life. Through programs such as the Financial Empowerment Initiative, youth learn to make sound financial decisions and build financial capability at an early age. TFS supports key partners like Girl Scouts of the USA, Boys & Girls Club of America, and Junior Achievement with consistent, hands-on reinforcement of financial components. With these partnerships, TFS has reached more than 60,000 students nationwide. Employee volunteerism is critical to this initiative. In fact, by allowing employees to utilize their unique skills and expertise with Team members at Toyota Financial Services deliver back community partners, TFS recently reached packs full of school supplies to local students in the North Texas community. a new milestone. As of March 2017, team members across the country showed their unwavering commitment to their communities by propelling the company to an all-time high volunteer participation rate of 50 percent.

Congratulations Toyota Financial Services!

36 | FSR - Corporate Social Responsibility

COMPANY OF THE WEEK

“Transamerica House” Dedicated by Habitat for Humanity Transamerica has long supported Habitat for Humanity in its mission of creating the opportunity for families to live well and achieve financial security through the development of attainable housing. But last year, Transamerica’s Denverbased employees “went all in,” by committing to a full-house build for the first time. Earlier this spring that commitment came to fruition when Habitat held a dedication ceremony and handed over the keys to the resident family, who worked side by side with more than 100 different Transamerica employees over the past several months to construct the four-bedroom house. “It’s no secret that having a safe, comfortable and affordable place to live is a key component in overall well-being and long-term financial security,” said Marijn Smit, head of Transamerica Asset Management at the dedication. “At Transamerica, we call that the connection between health and wealth – and we’re proud to have been a partner in this particular project.

Transamerica’s Marijn Smit (right) presents the key to the new homeowner. “Together we built the house,” Smit said, “now it’s time for you and your family to make it a home.”

Congratulations Transamerica!

Impact Report 2O17 | 37

COMPANY OF THE WEEK

The PNC Financial Services Group, Inc. Enhancing the Pre-K Classroom Experience To enhance early childhood education, PNC recently announced a $5 million initiative with online charity DonorsChoose.org. The program helps pre-K teachers obtain instructionally rich school resources, such as books, art supplies, classroom technology, and field trips to child-friendly museums. On the initiative’s first day, PNC funded 849 projects in public and charter pre-K classrooms in 22 states and Washington, DC. The initiative also expanded DonorsChoose. org’s crowd-funding platform to Head Start centers around the country. In addition, PNC will match donations to all eligible pre-K projects within its service area, subject to restrictions and a maximum dollar amount.

Lou thanks Ms. Shawna – Ms. Shawna, a pre-K teacher with Pittsburgh Public Schools, receives a DonorsChoose.org gift card and thanks from Lou Cestello, PNC Bank regional president for Pittsburgh.

PNC’s investment was made as part of “PNC Grow Up Great®”, a $350 million, bilingual multi-year school readiness initiative for children from birth to age five.

The DonorsChoose.org initiative adds to PNC’s existing programs that help enrich early learning and raises awareness of a quality early childhood education’s impact on the youngest students.

Congratulations PNC Financial Services Group, Inc.!

38 | FSR - Corporate Social Responsibility

COMPANY OF THE WEEK

Allstate’s Bring Out the Good Month 2017 This year, Allstate’s Bring Out the Good Month campaign once again showed how much the spirit of caring is core to Allstaters’ purpose and commitment to be a force for good in people’s lives and in society. For the second consecutive year, Allstate employees and agency owners raised more than $7 million for over 8,000 nonprofit partners across the country and nearly 13,000 Allstate volunteers participated in over 871 volunteer projects – all in the month of April. From painting and landscaping to mentoring and fundraising, Allstate volunteers helped make local communities stronger, safer, and more beautiful.

Allstate agency owners and employees put their Good Hands to work for nonprofits in their local communities.

While Bring Out the Good Month encourages Allstaters to volunteer and give in April, they continue to support local nonprofits throughout the year. In 2016, Allstate employees and agency owners donated 230,000 volunteer hours and supported more than 8,800 nonprofits with monetary donations.

Congratulations Allstate Insurance Company!

Impact Report 2O17 | 39

COMPANY OF THE WEEK

Hackea por una Causa, an Event That Brings Together Hackers and Nonprofit Organizations Hackea por una causa (Hacking for a Good Cause) is a first-time social innovation project that brings together community leaders, nonprofit organizations, programmers, and entrepreneurs to collaborate on digital solutions that create social value in Puerto Rico. During an event sponsored by Popular and the Banco Popular Foundation over 300 people and 170 hackers worked in teams, participated in capacity building workshops, and established alliances. Exceeding all expectations, the hackathon managed to develop 17 types of technologies in response Hackea por una Causa teams collaborate on digital solutions that to a total 36 challenges presented by create social value in Puerto Rico. nonprofit organizations. “Hackea por una causa achieved the unprecedented collaboration between sectors that is rarely meet. It was a cultural collision for social innovation. This is an example that no matter the situation, when there is the willingness to overcome it, everything is possible,” said Beatriz Polhamus, executive director at the Banco Popular Foundation.

Congratulations Popular, Inc.!

40 | FSR - Corporate Social Responsibility

COMPANY OF THE WEEK

Wells Fargo Launches Apprenticeship Programs for Veterans Bank Celebrates Military Appreciation Month by Giving Back

Wells Fargo celebrated Military Appreciation Month with a series of events giving back to military veterans and their families, including the launch of its ApprenticeshipUSA Program for Veterans. Wells Fargo is one of the only national banks to offer the Department of Labor program, which gives veterans the opportunity to earn a salary while learning the skills needed to succeed in high-demand civilian careers. The program allows eligible veterans to use their GI Bill education benefits to receive a tax-free monthly payment while working at Wells Fargo. It is paid by the government in addition to the wages earned as an apprentice, and veterans receive a payment for every month of their apprenticeship. After six months of a veteran’s apprenticeship, the payment is gradually reduced – and is offset by progressive wage increases. In 2013, Wells Fargo set a goal to employ 20,000 military veteran team members by 2020, which the ApprenticeshipUSA program will help support.

Since 2012, Wells Fargo has donated toward programs that help military members, including donating more than 300 homes valued at over $50 million to veterans in all 50 states.

Congratulations Wells Fargo & Company!

Impact Report 2O17 | 41

COMPANY OF THE WEEK

TD Bank Celebrates Financial Literacy Month TD Bank recently celebrated Financial Literacy Month and used the opportunity to educate and engage its employees on the importance and the benefits of being financially aware. To enhance the month, TD invited Tiffany the Budgetnista, America’s favorite financial educator, to speak to employees to share how she’s learned to budget from her father and how she rebounded from her own financial ups-and-downs. On April 27, a breakfast and an afternoon live chat session were held to give employees an opportunity to ask Tiffany questions and to learn more about her financial journey. Topics such as saving for retirement, supporting college-aged kids, and managing credit card debt were some of the areas covered.

TD Bank Employee Manokia Musonge hosts Fireside Chat on Financial Aspirations with Tiffany “The Budgetnista” Aliche.

Throughout the month, TD received the NASDAQ award for its implementation of the TD Bank Learning Center and added a Mortgage Modification module to the Center to enhance the platform.

Congratulations TD Bank!

42 | FSR - Corporate Social Responsibility

COMPANY OF THE WEEK

People’s United Bank and AARP Team Up for Fraud Prevention Campaign

Representatives from People’s United Bank and AARP, Norwalk Mayor Harry Rilling, and the Norwalk Police Department joined forces for an Open House and demonstration of the Fraud Watch Network kiosk at the People’s United Bank branch in Norwalk, CT, to speak about the importance of the community coming together to fight fraud.

People’s United Bank and the AARP Fraud Watch Network have teamed up to provide consumers, of all-ages, with instant access to educational resources and information designed to fight identity theft and fraud. The fraud prevention campaign will provide co-branded print materials, online resources, joint presentations, and interactive kiosks located in select People’s United Bank branch locations. “AARP’s Fraud Watch Network has helped thousands of consumers avoid identity theft and common fraud schemes,” said AARP Executive Vice President and Chief Advocacy and Engagement Officer Nancy LeaMond. “Our collaboration with People’s United Bank will reach consumers where they conduct financial transactions.” “People’s United Bank has collaborated with community partners for over 20 years in an effort to help residents avoid financial exploitation,” said Jack Barnes, president and CEO, People’s United Bank. “Our partnership delivers the AARP Fraud Watch Network directly to our customers, further protecting them from identity theft and scams.”

Congratulations People’s United Bank!

Impact Report 2O17 | 43

COMPANY OF THE WEEK

Webster Bank Supports Food Banks, Financial Literacy Supporting local food banks and financial literacy programs are two ways that Webster Bank gives back to the communities it serves by responding to local needs with local resources. In one recent project, Webster bankers, joined by Webster President John Ciulla, volunteered through United Way of Western Connecticut with the Connecticut Food Bank mobile food pantry in Stamford, Connecticut. They greeted the families who came to the mobile pantry’s monthly visit to Shiloh Seventh-Day Adventist Church and helped them find the food they needed.

In the front row, left to right, are: Carol Gagliano, Robin Gallagher, Susan Valente, Margaret Ambrogio, and Shari Miller. In the back row, left to right, are: Stephen Burke, John Ciulla, Martin Anderson, James Lane, Lorene Bora, and Christopher Ruzzi.

Webster bankers also volunteer by teaching financial literacy with the Connecticut Food Bank’s Grocery on Wheels (GROW!) Truck, a customized vehicle equipped with refrigerated cases and special shelving to stock healthy foods. In addition to providing food, the truck also presents financial literacy programs to low-income households with children.

Congratulations Webster Financial Corporation!

44 | FSR - Corporate Social Responsibility

COMPANY OF THE WEEK

John Deere Financial Helps Findley Students “Dream Big” At John Deere, we understand at-risk children have about a 60 percent chance of graduating high school. That’s why John Deere Financial has been collaborating with the I Have a Dream Foundation to get Findley Elementary School students in Des Moines, Iowa, college-ready. The program exposes kindergarten through 5th graders to college and career experiences and offers activities for the students to “dream big.” The most recent event was an onsite Career Day where students learned about different careers requiring a post-secondary education. John Deere volunteers hosted four information technology sessions and taught over 60 students about the complexities of coding.

John Deere volunteer Sarah Berry assists students with a Code.Org programming question.

“It is a pleasure to see dedicated volunteers engaging the next generation and emphasizing the value of education,” said Cory Reed, president, John Deere Financial. “We hope to build on the successes of programs like Career Day while continuing to help children establish a foundation for lifelong financial responsibility.”

Congratulations John Deere Financial Services, Inc.!

Impact Report 2O17 | 45

COMPANY OF THE WEEK

Bank of America, Khan Academy Help New Grads Succeed in Life’s Next Chapter

What do you wish you had known before you chose your career? That question is at the heart of a collaboration between Bank of America and Khan Academy to help young adults gain knowledge about careers and personal finance as they’re just starting out in the workforce. New resources, now available online, include Khan Academy videos featuring young adults working in different fields who talk candidly about how much they make, their job responsibilities, and where they see themselves and their finances in the future. The series marks the next phase in a partnership between Bank of America and Khan Academy. Since 2013, Khan Academy videos have been featured alongside financial wellness resources through Better Money Habits®, with the goal of making financial lives better by connecting people to the information they need to achieve their goals.

Congratulations Bank of America Corporation!

46 | FSR - Corporate Social Responsibility

COMPANY OF THE WEEK

IBERIABANK Reaches 6,000 Students with Financial Literacy Effort IBERIABANK recently joined forces with schools across seven states to participate in the American Bankers Association’s Teach Children to Save campaign. Over 200 IBERIABANK associates from the commercial, retail, senior management, finance, marketing, and other departments volunteered by teaching 6,000 elementary and middle school students in 20 markets. IBERIABANK’s goal with the program is to begin to establish a mindset for students to become lifelong savers by motivating them and instilling positive habits at a young age. Lessons focused on the differences between needs and wants, how to save, reasons to save, and where to save. “As the oldest and largest financial institution BERIABANK associates teach financial literacy classes to headquartered in Louisiana, one of the Hogan Spring Glen Elementary second graders for ABA’s hallmarks of our Company is supporting the Teach Children to Save Day. communities in which we serve. Through financial literacy programs, financial support, and volunteerism, we strive to enrich the lives of our associates, clients, and the greater community,” said Daryl Byrd, IBERIABANK president and CEO.

Congratulations IBERIABANK Corporation!

Impact Report 2O17 | 47

COMPANY OF THE WEEK

Santander Bank Announces Initiative to Support EarlyStage Entrepreneurs in Greater Boston’s Underserved Communities Santander U.S. CEO Scott Powell joined community leaders last month at the Roxbury Innovation Center in Boston to announce the Bank’s new initiative called Cultivate Small Business. The program will foster small business ownership in Greater Boston’s low- and moderateincome neighborhoods, enabling earlystage entrepreneurs to build and sustain their businesses, with a focus on women, minority, and immigrant-owned businesses in food-related industries. Cultivate Small Business will provide mentoring, industryspecific education and small capital grants in a collaboration with strategic partners CommonWealth Kitchen, Babson College, and the Initiative for a Competitive Inner City (ICIC).

Scott Powell, Santander U.S. CEO speaking to attendees at the Cultivate Small Business announcement.

“At Santander, we know how important it is to support our local communities and this collaboration with our like-minded partners will make a meaningful difference in helping small businesses grow and underserved neighborhoods flourish,” said Powell. Cultivate Small Business is open to approximately 30 entrepreneurs, beginning October 2017 and running through June 2018.

Congratulations Santander!

48 | FSR - Corporate Social Responsibility

COMPANY OF THE WEEK

LPL Employee Volunteers Join in Service for May Serve Days Employees gave back to the communities where they live and work as part of LPL’s annual May Serve Days, a month-long demonstration of volunteerism. For example, Carolinas-based employees volunteered their time to provide professional career development support for students from Johnson C. Smith University’s Phasing Up to New Possibilities Program. “Volunteering for this event allowed me to mentor and support these inspiring students,” said Taneisaha Ham, associate analyst, Service, Trading, and Operations. “I cherish the opportunity to give back, build relationships, and support LPL Financial Foundation’s mission of fostering economic empowerment by focusing on education and LPL employees work with students to build confidence and provide essential tools to prepare for professional interviews. career skills.” In addition to May Serve Days, LPL promotes volunteerism year-round. Through the LPL Financial Foundation, LPL’s charitable arm, employees and leaders have donated more than 4,000 volunteer hours to local communities.

Congratulations LPL Financial!

Impact Report 2O17 | 49

COMPANY OF THE WEEK

SunTrust Foundation Gives $250,000 to Help Charlotte Female Entrepreneurs The SunTrust Foundation recently announced a $250,000 grant over two years to Grameen America, a nonprofit that helps low-income women build small businesses to create better lives for their families. The donation helps Grameen America deliver ongoing financial training to its 5,600 members in Charlotte. “Grameen America is a dynamic organization that has helped thousands of women attain success through financial education,” said David Fuller, president of the SunTrust Foundation. “We’re honored to partner with them to help women in poverty build businesses and ultimately reach financial wellbeing.”

Pictured left to right – Shah Alam, Grameen regional director, Central and Southeast Region; Ursula Lalone, Grameen Charlotte Branch manager; Jenna Kelly, SunTrust president and CEO of the Atlanta Division (previously Charlotte Region president); and David Fuller, president of the SunTrust Foundation.

Founded by Nobel Peace Prize recipient Muhammad Yunus, Grameen America has 12 branches across the country and has invested nearly $600 million in microloans to more than 86,000 women. Women join Grameen America to receive financial training before they launch a business.

In 2016, the SunTrust Foundation gave $16.6 million to 1,500 nonprofits and educational institutions to help people achieve financial confidence.

Congratulations SunTrust Banks, Inc.!

50 | FSR - Corporate Social Responsibility

COMPANY OF THE WEEK

BBVA Compass Launches Year of Opportunity for Small Business BBVA Compass, already punching above its weight in its drive to become the lender of choice among small businesses, launched a Year of Opportunity for Small Business in May by marshaling its expert employees to lead more than 70 workshops on the fundamentals of running a small business. The workshops were held in all seven states across the Sunbelt where BBVA Compass has a physical presence. They were part of the first of multiple campaigns the bank will initiate for its Year of Opportunity for Small Business, which is designed to give small businesses the service, expertise, and products they need to seize opportunities. The curriculum for the workshops is available through the BBVA Compass Center for Financial Education, which offers online and in-person adult financial education courses. It included five modules on topics such as how to use and obtain credit, develop a business plan, and understand financial statements.

Entrepreneurs and small-business leaders from the Upper Rio Grande Valley gathered on May 11 at Grindstone Coworking in Edinburg, Texas, for a BBVA Compasssponsored workshop on entrepreneurship and the ins and outs of writing a business plan, using business credit, and understanding financial statements.

Congratulations BBVA Compass!

Impact Report 2O17 | 51

COMPANY OF THE WEEK

Synovus Delivers 5,000 Children’s Books During Here Matters Book Drive Synovus collected 4,934 books during the company’s recent Here Matters Book Drive. Customers and team members across Synovus’ five-state footprint contributed books for children and young adults, which were distributed to more than a dozen community, education, and literacy organizations including Books for Keeps in Athens, Georgia; United Way of Nashville; and the Boys and Girls Clubs of the Chattahoochee Valley. Other Synovus banking divisions renewed longstanding service projects that support children and education. Bank of North Georgia collected 4.75 tons of peanut butter and jelly — enough to make 76,000 sandwiches! — during its 10th annual PB&J CB&T/Synovus Market President Heath Schondelmayer drive. At Bank of Jasper, team members reads with Boys and Girls Club members after the group collected food and hygiene items for pantries reading. serving needy students in 22 Walker County, Alabama, schools. Across the footprint, Synovus team members collected 9,899 items (toiletries, snacks, etc.) and 31,770 bottles of water for community agencies.

Congratulations Synovus!

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COMPANY OF THE WEEK

Genworth Celebrates 9th Annual “Month of Service” June marked Genworth’s 9th Global “Month of Service”, when employees from around the company participate in more than 80 volunteer projects to benefit their communities. While Genworth encourages volunteerism and giving throughout the year, “Month of Service” promotes a collaborative effort to give back. The company aligns “Month of Service” volunteer projects with employees’ interests and the areas of greatest local needs. Employees continued their support of financial education by working with Junior Achievement of Central Virginia to teach a curriculum covering financial literacy, work readiness, and entrepreneurship to students in A group of students learn about consumer commerce from Eric Dodd. Richmond, Va. Genworth volunteer Eric Dodd said, “Junior Achievement’s programs teach students about the roles that people and businesses play in a community in a fun and engaging way for the class.” Genworth employees volunteered more than 6,000 hours and contributed, collectively with the Genworth Foundation, more than $1.2 million to nonprofits through personal donations, matching gifts, and philanthropic grants.

Congratulations Genworth Financial!

Impact Report 2O17 | 53

COMPANY OF THE WEEK

Voya Advances National Programming for Education and Financial Literacy Voya Financial reinforced its commitment to financial resilience this quarter through various events and initiatives in support of children’s education. Voya hosted its fourth annual “National Day of Service”, where thousands of employees volunteered during more than 200 events supporting various causes including mentoring and financial literacy. Voya also announced the inaugural winners of $10,000 scholarships through the Voya Scholars program. Winners were announced during Scholarship America’s 2017 Dream to Success Awards dinner, of which Voya was presenting sponsor.

Voya Financial Chairman and CEO Rod Martin during Scholarship America’s 2017 Dream to Success Awards dinner.

Voya was also presenting sponsor of the prestigious National Teacher of the Year program, which recognizes excellence in classrooms and amplifies the voice of today’s preeminent educators. Lastly, Voya sponsored the Working in Support of Education (w!se) 100 Best w!se High Schools Teaching Personal Finance ceremony at the Federal Reserve building. Promoting educational opportunities for students of all ages is central to Voya’s commitment to corporate responsibility and community investment.

Congratulations Voya Financial, Inc.!

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COMPANY OF THE WEEK

BB&T “Lighthouse Project” – Helping Communities Shine As part of BB&T’s annual “Lighthouse Project”, a team of commercial lenders in Charlotte, NC, recently built dressers to support the Crisis Assistance Ministry furniture program. The nonprofit’s mission is to help people in financial crisis, moving them toward self-sufficiency. Many of those assisted are the working poor. Each spring, associates work together to choose the nonprofit organizations in their communities they’re most passionate about helping. BB&T then provides the funding and paid time for associates to support those projects and lend a helping hand in their communities. “Lighthouse Projects” BB&T associates had a blast building for the Furniture Bank. can include youth organizations, elder care, food banks, home building, and transitional housing. Since the BB&T “Lighthouse Project” began in 2009, our associates have helped make a positive change in the lives of more than 13 million people.

Congratulations BB&T Corporation!

Impact Report 2O17 | 55

COMPANY OF THE WEEK

Citi Celebrates 12th Annual “Global Community Day” With More Than 100,000 Citi Volunteers Across 500 Cities Around the World This year, more than 100,000 Citi employees, along with their friends and families, came together for Citi’s 12th annual “Global Community Day” to make a difference in communities all around the world where they live and work. The Citi volunteers worked on more than 1,500 service projects – on a range of issues – across 500 cities in 91 countries and territories. Citi volunteers built homes for families, delivered financial education curriculum, participated in clean-up and restoration projects at parks and beaches, mentored youth, prepared food for the hungry, and much more. This annual event contributed more than three million hours of service since launch. Citi’s annual Global Citizenship Report details the many other ways that they are enabling growth and economic progress in communities around the world.

Congratulations Citigroup Inc.!

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COMPANY OF THE WEEK

MUFG Union Bank Cycling Team Raises $60,000 for HIV/AIDS

Team MUFG Union Bank at the end of the ride in Los Angeles.

A bicoastal team of 13 MUFG Union Bank employee cyclists recently completed the seven-day, 545-mile AIDS/LifeCycle ride to raise awareness and funds for those living for HIV/AIDs. The team raised more than $60,000 for the San Francisco AIDS Foundation and the Los Angeles LGBT Center, which sponsored the annual ride. The two organizations fund HIV/AIDS awareness, prevention programs, and provide support services to those living with the disease. “The ride was physically challenging, but an incredible opportunity to give back to the community in a meaningful way,” said Team Captain Dan Meals of the bank’s Controllers & Tax Services division. “We’re already looking forward to expanding our team for the 2018 AIDS/LifeCycle ride.” Timed to coincide with Pride Week, the ride begins in San Francisco and follows the scenic California coastline down to Los Angeles. Each rider also commits to raising a minimum of $3,000 in pledges.

Congratulations MUFG Union Bank, N.A.!

Impact Report 2O17 | 57

COMPANY OF THE WEEK

“Families That Work”: A Corporate Citizenship Program That Helps Synchrony Financial Engage More Life happens — and it happens to cost more than some families can afford. While families are working hard, unforeseen circumstances can get in the way. That’s why Synchrony Financial created the “Families That Work” corporate citizenship program in 2016. The program complements Synchrony’s brand promise — Engage more — and addresses three basic needs of today’s diverse working families: family homelessness, helping with children, and economic security. “Many working families simply need a hand,” says Margaret Keane, president and chief executive officer. ““Families That Work” can make a real difference in helping them to Margaret Keane at a house build in Bridgeport, CT, with move forward and bring stability into their Synchrony Financial employees as part of a Habitat for Humanity project. lives.” The funding is helping more than 150 nonprofits fulfill their mission of serving families and children in need; employees are volunteering their time and expertise as well. ““Families That Work” truly defines the heart of our company,” Keane says.

Congratulations Synchrony Financial!

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COMPANY OF THE WEEK

“StartUp Popular” Launched Its 3rd Round of Submissions

A group of business owners that benefited from the “StartUp Popular” program.

“StartUp Popular” is a program designed to support local entrepreneurs not only through loan disbursement and credit lines, but with a comprehensive educational, support, and networking program. Its main objective is to help business owners succeed in their endeavors. The third round of submissions has an allocation of $1.6 million and works through proposals. To apply and qualify for the program, businesses must be generating sales and be in operations for a maximum of two years. Over 40 entrepreneurs have boosted their businesses with the “StartUp Popular” program. On average, participating businesses have increased their sales by 30 percent with the support of “StartUp Popular”.

Congratulations Popular, Inc.!

Impact Report 2O17 | 59

COMPANY OF THE WEEK

Teacher Externship Wraps Up Another Year While school’s out for summer, Tennessee educators made Unum their classroom. The Teacher Externship week began with a look at Unum’s customer journey experience. Rep. Carter and Sen. Watson were on-site to participate in a conversation about government affairs and the Hamilton County, TN, Delegation. The afternoon was spent in conversation about transformational change led by Tim Arnold, president and CEO at Colonial Life, an Unum subsidiary. The group also heard about Chattanooga 2.0 from local policy influencers, and then made a field trip to Causeway to Unum’s teacher externs with Sen. Bo Watson and Rep. Mike Carter. learn how to integrate innovation and education. Finally, the group delivered a presentation with their reflections and commitments to take back to the classroom. “Empowering educators is a huge part of our corporate social responsibility,” said Jeana Lee, community relations specialist at Unum. “The Teacher Externship is a great experience on both sides, and this year was no exception.”

Congratulations Unum!

60 | FSR - Corporate Social Responsibility

COMPANY OF THE WEEK

NFL Legend Joins Visa to Help High School Students with Fiscal Fitness Family, Career and Community Leaders of America (FCCLA) joined with Visa to help their members—more than 160,000 high school students in more than 5,400 chapters across the United States—build stronger fiscal skills. Visa’s award-winning financial education materials were offered as part of the FCCLA’s nationwide financial education program, Financial Fitness. Highlighting the partnership, Tennessee Titans three-time Pro Bowler Frank Wycheck and representatives of the Tennessee State Treasury and Regions Bank played Visa’s Financial Football at the FCCLA National Leadership Conference. The event marked the largest Financial Football game ever. Financial Football is part of Visa’s Practical Money Skills, a free, comprehensive financial literacy program available in 17 languages and 44 countries.

Tennessee Titans three-time Pro Bowler Frank Wycheck teamed up with Visa, Regions Bank and the Tennessee Treasury Department to coach teens in Visa’s Financial Football at the FCCLA’s National Leadership Conference in Nashville, TN.

Through partnerships with state and federal officials, Visa has distributed free copies of the Financial Football program to public high schools and middle schools in 49 states and the District of Columbia—more than 30,000 schools.

Congratulations Visa Inc.!

Impact Report 2O17 | 61

COMPANY OF THE WEEK

Discover Finance Volunteer Day Adds Up for Little City Over 200 employees from Discover’s Finance department volunteered with Little City, a community offering a comprehensive scope of services and amenities to individuals with intellectual and developmental disabilities. Volunteers participated in the renovation and beautification of the Little City campus, with projects including renovation of the softball field so that the organization could potentially use it to host the Special Olympics, cleaning up the walking trails, building and staining planter boxes and benches, painting murals and making blankets. Despite record breaking temperatures, everyone pitched in to complete all planned projects ahead of schedule. Way to go Discover Finance team.

Discover volunteers helped renovate a softball field at Little City that the organization hopes will be used one day to host the Special Olympics.

Congratulations Discover Financial Services!

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COMPANY OF THE WEEK

Allstate Foundation Good Starts Young Rally Brought Youth Leaders Together to Develop Creative Solutions to Societal Issues In June, 10 youth teams with creative approaches to addressing societal issues like bullying, homelessness, and community violence convened at The Allstate Foundation Good Starts Rally to compete for $10,000 to put their ideas into action. During the inaugural three-day rally, the finalist teams partnered with mentors who helped them refine their ideas and prepare their business cases. QC Closet2Closet, a nonprofit started by siblings and dedicated to dressing homeless and foster-care youth, was selected as winner. The other finalist teams received $2,000 grants to further their ideas. For their impact on youth lives, QC Closet2Closet was All 10 finalists were selected from a pool selected as the winner of The Allstate Foundation Good of nearly 300 applicants by The Allstate Starts Young Rally. Foundation and Peace First, and received mini-grants of up to $250 to put their ideas into action.

The Good Starts Young Rally is part of The Allstate Foundation Good Starts Young initiative, which empowers youth to achieve success in their lives.

Congratulations Allstate Insurance Company!

Impact Report 2O17 | 63

COMPANY OF THE WEEK

Regions Bank Believes in Women Entrepreneurs Regions encourages women to develop financial skills, build strong careers, and launch small businesses. The bank, whose workforce is 70 percent females, supports entrepreneurial aspirations by sharing expertise and exposing women to business opportunities. Examples of this commitment include:· Nashville, Tennessee — Regions helped Pathway Lending create the Women’s Business Center, contributing financially and by providing counseling, technical assistance, workshops, and loans; Jackson, Mississippi — Regions sponsored a Women Business Center of Mississippi event From left, are Shellie Michael of the Mississippi Minority targeting economically disadvantaged female Business Alliance, Erika McMillon of the Women Business Center of Mississippi, event participant and the winner of a entrepreneurs, providing workshops and Regions bicycle Loutisha Hobson, and Charlita Cloman of scholarships; Charleston, South Carolina — Regions Bank. Regions sponsored a Center for Women empowerment conference at which associates taught underemployed women to create personal brands, balance work/ home life, and launch small businesses; Chattanooga and Oak Ridge, Tennessee — Regions volunteers involved in Girls, Inc., programs help high school girls develop confidence in science, math, and finance; Miami, Florida — Associates serve as mentors with Women of Tomorrow, motivating teenage girls from low-income households toward brighter opportunities.

Congratulations Regions Financial Corporation!

64 | FSR - Corporate Social Responsibility

COMPANY OF THE WEEK

CIBC Partnered With the WGA Caddie Academy CIBC hosted 70 high school students from the Western Golf Association’s Caddie Academy for lunch and a session on basic financial concepts. Led by CIBC volunteers, the session focused on investing, saving, budgeting, and spending. Students formed teams and faced off in a friendly competition to test their financial knowledge using the Money Mania game. The Caddie Academy offers a seven-week program that allows high school students to learn the art of caddying. They also caddie at clubs in the Chicago area. CIBC offers a suite of financial education programs, working with children as young as five years old. The bank believes in the importance of financial literacy for youth by starting these lessons early and investing resources and expertise to support financial stability and growth. The CIBC promise is to continue to inspire, educate, invest, and deliver a better tomorrow for generations to come.

CIBC volunteers work with the teams to play the Money Mania game, which covers basic financial concepts including budgeting and payment options.

Congratulations CIBC Bank USA!

Impact Report 2O17 | 65

COMPANY OF THE WEEK

The Allstate Foundation-Sponsored WE Day Special on CBS The Allstate Foundation-sponsored the WE Day special aired on CBS on Aug. 4 featuring stories of youth making a difference in their communities. The WE Day Special offered a front-row seat to see moving performances, motivating speeches, and documentarystyle features highlighting youth making a difference in their communities. WE Day also featured Allstate CEO Tom Wilson and several Allstaters who shared how The Allstate Foundation supports the volunteer efforts of youth across the U.S.

After experiencing the loss of a friend in middle school to gun violence, Mary-Pat started an anti-violence billboard campaign in her hometown of Atlanta. The Allstate Foundation is proud to celebrate Mary-Pat and show the power young people have to address social issues.

Congratulations Allstate Insurance Company!

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COMPANY OF THE WEEK

Housing is for Everyone Each year, the TD Charitable Foundation, the charitable giving arm of TD Bank, America’s Most Convenient Bank®, awards 25 nonprofits with a $100,000 grant to support affordable housing initiatives through its annual “Housing for Everyone” competition. This year, the Foundation has increased the grant amount for each recipient to $125,000 per organization, which will enable nonprofits to create and/or preserve affordable housing for low- and moderate-income individuals and families who cannot afford a place to live. Post-renovation street view from Benning Road, in

Housing Up received a “Housing Southeast DC. for Everyone” grant in 2014 for the development of its Weinberg Commons, a 12-unit permanent supportive housing project, which now provides stable housing and comprehensive support services for chronically homeless families.

It is the first multi-family retrofit project in the United States to receive certification by the Passive House Institute US, the leading passive building certification program in the U.S.

Congratulations TD Bank!

Impact Report 2O17 | 67

COMPANY OF THE WEEK

Allianz Life Fights Elder Financial Abuse

Allianz Life Safeguarding Our Seniors program volunteers attend a training session.

Elder financial abuse is becoming one of the most significant issues in America today, and it is often unrecognized and unreported. Allianz Life is combating this issue through research, education, and volunteerism. The company commissioned the Safeguarding Our Seniors Study to help understand the prevalence and impact of elder financial abuse. The results were jarring as 37 percent of all caregivers reported their elders experienced financial abuse, with the victims losing a staggering average of $36,000 – and one in 10 victims lost an average of $100,000. Allianz Life partnered with the Better Business Bureau to create the Safeguarding Our Seniors program that sends volunteers into the community to teach seniors how to recognize potential fraud. The program has reached thousands of people and is growing. Allianz Life is also educating financial professionals. Through workshops, financial professionals are gaining the knowledge needed to help the industry gain the upper hand on this problem.

Congratulations Allianz Life Insurance Company of North America!

68 | FSR - Corporate Social Responsibility

COMPANY OF THE WEEK

BMO Employees Make an Impact BMO Harris employees rolled up their sleeves and lent a helping hand as part of the sixth annual North American BMO Volunteer Day. More than 2,241 employees in the U.S. stepped away from their desks to give back to 118 United Way and nonprofit organizations across the bank’s U.S. footprint. From helping to beautify the Chicago Botanic Garden to conducting mock job interviews with The Cara Program to reading with kids at the Boys and Girls Club in Milwaukee – BMO employees made a big difference and exemplified their motto of “We’re here to Bank employees created literacy boxes and stuffed them help.”

with books and other goods to enrich children’s imaginations as part of BMO’s annual Volunteer Day.

In Buffalo Grove BMO employees participated in the Success by Six program created by United Way. The project focused on creating literacy boxes that would take after different themes and characters and be filled with books and other goodies for children to enjoy.

Congratulations BMO Financial Corp.!

Impact Report 2O17 | 69

COMPANY OF THE WEEK

Students Benefit from a Better Learning Environment The Monessen school district is a small publicschool district south of Pittsburgh, Pa. As school officials have struggled to find budget to buy new furniture, many classrooms have not been updated in more than 25 years. With the help of PNC and Green Standards, however, nearly 70 chairs have found new life in the Monessen High School. Green Standards works with corporations to repair and redistribute furniture, equipment, and supplies that are broken, have exceeded their expected lifespan, or no longer address a company’s needs. Since November 2016, PNC and Green Standards have partnered on 16 projects, each one giving new life Part of Monessen School District, this library received all to a school, office, or nonprofit. PNC chose seating and some tables from PNC and Green Standards. to work with Green Standards after careful consideration and defers to Green Standards to select the most eligible nonprofit recipients. PNC’s donation of desks, chairs, and storage cabinets has benefitted Monessen students by reinvigorating classrooms and creating a better learning environment.

Congratulations The PNC Financial Services Group, Inc.!

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COMPANY OF THE WEEK

Protective’s “Week of Service” – “Serving Others. Building Community. We are Protective.” In July, Protective Life Corporation launched a week-long, company-wide volunteer initiative dedicated to assisting a variety of nonprofits that serve a wide spectrum of constituencies. Approximately 300 employees dedicated 500+ volunteer hours of service performing tasks such as spreading pine bark, weatherproofing, weeding, pruning, painting, building fences, collecting school supplies, and assisting with youth activities. Seven organizations, one school, and 1,832 YMCA campers benefited from Protective’s involvement, and all the materials and supplies for the critically needed projects were purchased by the Protective Life Foundation. Through the ongoing A Protective volunteer and YMCA staff member with campers commitment of so many employees, at the YMCA Thingamajig Invention Convention. Protective is honored to offer its talents, resources, and time in contributing to the welfare and quality of life of our local communities. Serving others, one of Protective’s core values, is truly embedded in our corporate DNA.

Congratulations Protective Life Corporation!

Impact Report 2O17 | 71

COMPANY OF THE WEEK

BBVA Compass Dispatches its Experts to Help Take Some of the Mysteries Out of Mortgage Process BBVA Compass dispatched its experts to help demystify the mortgage process and give borrowers full command of the facts. BBVA Compass held 60 homeownership workshops from April to June, and 259 financial education workshops on various topics in total, in the seven Sunbelt states where the bank has a physical presence. The curriculum for the workshops is available through the BBVA Compass Center for Financial Education and explains the mortgage application process, different types and sources of mortgages, and strategies to prepare for owning a home. The bank has put a top-to-bottom focus on its mortgage program. It has on average BBVA Compass employees educating homeowners on topics such as mortgage types and mortgage applications. reduced the number of days it takes a homebuyer to close a mortgage with a bank by a third. The mortgage team’s Net Promoter Score – which measures how many clients are willing to recommend the bank – increased nearly 80 percent over the previous year.

Congratulations BBVA Compass!

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COMPANY OF THE WEEK

Discover Hosts First Annual “Camp Discover” for Boys & Girls Clubs Members of Lake County, IL

Forty kids from the Boys & Girls Clubs of Lake County, IL, attended the first annual Camp Discover at the Chicago Botanic Garden hosted by Discover’s Marketing Department.

This summer, Discover’s Marketing Department hosted 40 children, ages five-12, from Boys and Girls Club of Lake County, IL, (BGCLC) for “Camp Discover” at the Chicago Botanic Garden. The Marketing team created Camp Discover as a half-day volunteer event which involved an educational program that was designed and facilitated by the Chicago Botanic Gardens. Volunteers from the Marketing team enjoyed the opportunity to “Eat, Play & Learn” alongside the children. Activities included a mini lesson about macroinvertebrates, a tram tour around the garden, and a smoothie making demonstration at Fruit and Vegetable Island. Discover has supported the BGCLC for more than 10 years and recently started their first-ever high school internship program with BGCLC. The program lasted eight weeks and involved mentoring and teaching financial education and career-readiness skills to three high school students from the Clubs.

Congratulations Discover Financial Services!

Impact Report 2O17 | 73

COMPANY OF THE WEEK

Northern Trust: All Hands on Deck Northern Trust kicks off its annual United Way fundraising campaign with a day of caring. With a theme this year of “All Hands on Deck,” employees chose Lakeview Pantry, one of the longest operating pantries in the Lakeview neighborhood of Chicago. Our Chairman and CEO Rick Waddell and Director of Community Affairs Deborah Liverett were joined by 12 employees who sorted, packed, and stocked shelves with food. Lakeview Pantry served over 36,000 people in 2016 and as many as 3,500 per month. They provide social service assistance such as mental health counseling, emergency fund support, and case management. This Northern Trust’s former Chairman and CEO, Rick Waddell, organization has proven to be a staple in the pauses packing groceries to pose with Chastity Davis, Northern Trust employee engagement officer. community and is continuously exploring ways to connect under-resourced individuals with support and services that will help them reach their fullest potential. The goal was to donate 3,000 hours in volunteer time with the United Way in 2017.

Congratulations Northern Trust Corporation!

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COMPANY OF THE WEEK

TSYS Collects School Supplies for Kids: Team Members Committed to Helping Children Succeed in the Classroom TSYS contributed more than half of the 5,226 backpacks collected across the entire community! The United Way of the Chattahoochee Valley distributed the backpacks to children at 33 schools. “We can’t thank TSYS enough… It’s overwhelming to us to see this generosity,” Scott Ferguson, president and CEO of the valley’s United Way, said. Having the right school supplies help children be confident at school. “Kids don’t feel left out. They don’t feel like they don’t have what everyone else has.” TSYS team members in Columbus, Ga., donated 2,771 In Austin, Texas, Netspend raised $1,500 to backpacks stuffed with school supplies to the United Way’s purchase supplies for the Manos de Cristo Stuff the Bus campaign. Back-to-School drive, which equips children from low-income families with clothing, books, and supplies. While in Omaha, Neb., TSYS team members donated $200 in school supplies for fifth graders at Mountain View Elementary School, a Title 1 school.

Congratulations TSYS!

Impact Report 2O17 | 75

COMPANY OF THE WEEK

Santander Bank, N.A. Supports NFTE Summer BizCamps in New York and Boston Metro Areas Volunteers from Santander Bank led coaching and business plan sessions for young people in three locations across the Northeast as part of the Network for Teaching Entrepreneurship (NFTE) Summer BizCamps. The program is an intensive, two-week camp curriculum focused on entrepreneurship. Volunteers led coaching sessions, served as mentors, and judged business plan competitions in Boston, MA; New York, NY; and Newark, NJ. A standout pitch was Instrumentalist Inspired, a music store located in an underserved neighborhood in Newark, NJ. Santander volunteers with NFTE Biz Camp students at Suffolk

Santander Bank’s partnership with NFTE is part University in Boston on July 20, 2017. of the Bank’s commitment to entrepreneurship and small business education. NFTE also received $210,000 in grant support from Santander Bank. Santander was named NFTE’s 2017 Corporate Volunteer of the Year for both the New York Metro and New England regions for providing the organization with over 150 volunteers to mentor students.

Congratulations Santander!

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COMPANY OF THE WEEK

Innovative Program Helps Georgia Students Succeed Georgia State University, the model institution for graduating students from widely diverse backgrounds in Atlanta, and State Farm® announced a first-of-its-kind public-private partnership that helps qualified students entering the Decatur campus of Perimeter College have a pathway to a more productive future. State Farm® is providing $20 million to bring this partnership to life. With $14.5 million in support, Georgia State’s Learning, Income and Family Transformation (LIFT) will bring the university’s pioneering data analytics work to students enrolled in two-year degree programs. The remaining $5.5 million will go to nonprofits and local schools to provide additional services to help students succeed.

State Farm® associates preparing lunch for Perimeter College students.

According to the Brookings Metropolitan Policy Program, a college degree in the Atlanta region can increase earnings potential 27 percent for an associate’s degree and 108 percent for a bachelor’s degree.

Congratulations State Farm®!

Impact Report 2O17 | 77

COMPANY OF THE WEEK

Ally Takes Kids on a Money Adventure For Financial Literacy Month, Ally Financial helped teach children that “money doesn’t grow on trees.” Ally published its first children’s book, “Planet Zeee and the Money Tree”, to teach money skills and concepts to children ages six-10. The book uses a fun and futuristic storyline to reinforce basic financial concepts such as good saving and spending habits. Ally set an initial goal to read to 10,000 children. Readings were scheduled across the country with schools and nonprofit organizations. Through the efforts and dedication of nearly 500 Ally employees and its auto dealer customers, “Planet Zeee and the Money Tree” was read to almost 22,000 children!

Ally CEO, Jeff Brown, visits an elementary classroom for a Planet Zee reading.

As an extension of Ally’s Wallet Wise program, “Plant Zeee and the Money Tree” is still available for download online. The book is a great way for parents and children to start the money conversation and learn here on Earth, money doesn’t grow on trees.

Congratulations Ally Financial Inc.!

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COMPANY OF THE WEEK

KeyBank Launches $24 Million Dollar Program to Grow Small Business, Invest in Students and Stabilize Neighborhoods

KeyCorp Chairman and CEO Beth Mooney (L) and KeyBank Foundation Chair and CEO Margot Copeland (R) with Ray Leach, JumpStart CEO, as they announce the historic foundation grant on July 31, 2017.

Helping clients and communities thrive is KeyBank’s purpose. On July 31, KeyBank launched “KeyBank Business Boost & Build Program, powered by JumpStart” as this purpose in action. Funded by a $24 million grant from the KeyBank Foundation, the program stimulates economic growth and workforce development by fostering small business success in Ohio and New York. The program will: provide support for individuals, entrepreneurs, and small business owners; create thousands of jobs; and prepare students for careers in technology, service, and manufacturing industries. The grant, largest in the foundation’s history, is part of KeyBank’s $16.5 billion community benefits plan. Citing investment in and the growth of small businesses in urban and rural communities, KeyCorp Chairman and CEO Beth Mooney said, “KeyBank Business Boost and Build will increase small business capacity, in partnership with experienced organizations, to stabilize neighborhoods, provide access to financial resources, and increase opportunities for growth of small business.”

Congratulations KeyCorp!

Impact Report 2O17 | 79

COMPANY OF THE WEEK

Celebrating Play: U.S. Bank “Community Possible” Month of Play In partnership with Playworks, U.S. Bank identified that 98 percent of people said they think play is valuable, 86 percent believe it can relieve stress, and yet 38 percent say financial stress prevents them from playing as often as they’d like. To address this need, U.S. Bank launched the U.S. Bank “Community Possible” Month of Play this summer. It started with the bank investing $6.6 million in local nonprofits supporting play programs across the country and mobilizing 73,000 employee volunteers to help make play possible for 100,000 Americans. “Banks are the cornerstone of their U.S. Bank President and CEO Andy Cecere plays 9 Square communities, and we value our role as a in the Air at a local Minneapolis YMCA during the U.S. Bank “Community Possible” Month of Play. partner where people live, work, and play,” said Andy Cecere, president and CEO of U.S. Bank. “We built the Month of Play because we know how important play is to creativity, innovation, health, and relationships. Our employees rallied behind it, and we are proud of the footprint we left across the country.”

Congratulations U.S. Bancorp!

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COMPANY OF THE WEEK

Creative Exercise Shows Children that Aging is as Meaningful as Our Youth

The group of PPDC student artists with Genworth volunteers.

Genworth believes aging can be as meaningful a part of our lives as our youth. To help children see that for themselves we invited elementary age students from Peter Paul Development Center (PPDC) to use their creative talents to depict aging as they see it. PPDC is an outreach and community center that provide children a safe, consistent, structured, and loving environment to thrive. Genworth supplied the materials, volunteers, and the inspiration. During a two-week creative period, volunteers, relatives of the students, and other seniors dropped by their classrooms at Fairfield Court Elementary School to share stories about the joys and challenges of growing older. The students presented their art work during an art walk and reception at Genworth attended by their families and Genworth employees. Their artwork and essays are now a visual reminder throughout the office of our purpose – to help people who need care as they age live their best lives on their own terms.

Congratulations Genworth Financial!

Impact Report 2O17 | 81

COMPANY OF THE WEEK

Protective Life Corporation Enthusiastically Partners With Project Horseshoe Farm Protective volunteers boarded a bus and traveled to rural Greensboro, Alabama, for a day of painting, landscaping, building picnic tables, and cleaning in partnership with Project Horseshoe Farm (PHF), a nonprofit serving a multitude of constituencies in Alabama’s historic Black Belt region. Once a thriving farming area, (thus named Black Belt for the rich black soil), it is now one of the state’s most underserved areas. PHF offers a variety of programs for adults (many with mental illness challenges), including an independent living housing program, as well as after-school tutoring, mentoring, and enrichment programs for K-12 children. Additionally, it incorporates a unique fellowship program for recent college graduates interested in leadership, nonprofit management, and community service dedicated to health and education. It was an honor to spend the day in fellowship working side-by-side with those whose lives are enriched by PHF.

Serving others and building community is part of Protective Life’s corporate culture.

Congratulations Protective Life Corporation!

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COMPANY OF THE WEEK

BB&T Provides Farmers Market Support In many parts of our country, the farming industry has faced challenges. But after decades of decline due to the demise of the tobacco industry and consolidation of the dairy industry, Eastern Kentucky is seeing a resurgence of farming focused on local food production. “BB&T provided Community Farm Alliance with the ‘seed funds’ to make the “Double Dollars Program” a reality,” said Community Farm Alliance Executive Director Martin Richards. “Since BB&T’s initial investment, the program has grown to over $600,000 annually! On behalf of 680 farmers in 22 communities, and thousands of low-income folks across Kentucky, many thanks to BB&T for investing in our communities.” The “Double Dollars Program” allows those who shop at farmers markets to double the value of their federal nutrition benefits. It also supports the farmers markets by hiring and paying for dedicated market managers. BB&T is proud to have helped plant the seeds of growth. Linda McMaine enjoys providing food to the local community.

Congratulations BB&T Corporation!

Impact Report 2O17 | 83

COMPANY OF THE WEEK

SunTrust Supports Westside Future Fund

From left to right: Helen Smith Price, president, Coca-Cola Foundation; John Ahmann, executive director, Westside Future Fund; Dr. Meria Carstarphen, superintendent of Atlanta Public Schools (APS); Dr. Diamond Jack, principal of Hollis Innovation Academy; Dr. Beverly Tatum, president emeritus of Spelman College; Allison Dukes, head of commercial and business banking and chairman of Atlanta, SunTrust; and Byron Amos, local APS board member.

SunTrust is committed to helping people take steps toward financial confidence and improving education to strengthen communities. Recently, the SunTrust Bank Charitable Irrevocable Trust gave $1 million to the Westside Future Fund to help revitalize the historic Atlanta Westside community and add 21 new teachers to Hollis Innovation Academy, a STEM-based, K-8 Atlanta Public School. “A quality education sparks creativity, new ideas, and experiences for children – all of which build confidence for our future generation,” said David Fuller, head of corporate philanthropy at SunTrust Bank. The grant also will go toward wrap-around services at Hollis, including extended school days, experiential learning, professional development, and counseling for students and families. “Hollis Innovation Academy will serve as an example of what can happen when all sectors of the community work together toward a common goal,” said John Ahmann, executive director, Westside Future Fund.

Congratulations SunTrust Banks, Inc.!

84 | FSR - Corporate Social Responsibility

COMPANY OF THE WEEK

CIT Employees Volunteer 7,625 Hours Over Summer

CIT launched “CIT Cares Month” with more than 1,700 employees – about 40 percent of the company’s U.S. employee base – giving back to local communities nationwide. More than 160 projects were completed to build affordable housing, help combat food insecurity, support children with special needs, advance financial education, plant community gardens, and much more. Employees in 13 locations across the country completed over 7,500 volunteer hours during the month. “Building stronger communities is a core principle at CIT,” said CIT Chairwoman and Chief Executive Officer Ellen R. Alemany. “Our colleagues across the company gave of their time and talents this summer to help others and make a positive impact on our towns and cities. From battling food insecurity to supporting financial education and affordable housing, I’m proud of the drive and spirit within our team.” “CIT Cares Month” will be an annual volunteer initiative where every employee is encouraged to give back to their community and make a positive impact.

Congratulations CIT Group, Inc.!

Impact Report 2O17 | 85

COMPANY OF THE WEEK

LPL Financial Volunteer Event Helps Students Develop Leadership Skills in Boston As part of LPL’s 2017 Focus conference, the LPL Foundation hosted a volunteer event to support two Boston-area nonprofits. More than 40 volunteers – including LPL advisors, executives, and employees – took part in mentoring local students and assembling 500 school supply kits. Volunteers engaged students in conversations about personal goals and ways to develop their leadership skills. Event participants worked together to send students back to school with the supplies they need for another successful school year. Heather Randolph Carter, LPL Foundation Participants assemble back-to-school supply kits at the 2017 president, expressed gratitude to all those Focus Advisor Volunteer Event. who participated. “LPL is proud to be able to give back in a meaningful way to the Boston community and to support these exceptional students,” Heather said. “We are grateful for the LPL advisors who make helping others a priority in their businesses and through community engagement.” Through the LPL Foundation, LPL volunteers have donated more than 4,000 volunteer hours to local communities.

Congratulations LPL Financial!

86 | FSR - Corporate Social Responsibility

COMPANY OF THE WEEK

BMO Helps Mentor Small Business Owners at Inner City Capital Connections Training Days in Milwaukee and Chicago Earlier this summer, BMO Harris Bank sponsored Inner City Capital Connections, one day training sessions for small, minority, and women owned businesses in Chicago and Milwaukee. Approximately 100 business owners attended the events which provide an opportunity to help business owners improve the growth trajectory of their businesses through interactive and engaging seminars. Focused on topics ranging from marketing and sales to human capital management, BMO bankers served as mentors and coaches to attendees. “It was a very positive experience to give these business owners the opportunity Taneka Tucker participated in a panel discussion during to learn more about cash flow, financing, events in Chicago and Milwaukee. and how to grow their businesses,” said Taneka Tucker, senior project manager, Business Banking who served on a panel covering debt and what makes an “ideal customer.” “Business owners were able to leave the event with the knowledge and confidence to better push their companies toward success.”

Congratulations BMO Financial Corp.!

Impact Report 2O17 | 87

COMPANY OF THE WEEK

Bank of America Encouraged Dialogue Through Different Perspectives in Its Support of “The Vietnam War”, A Documentary Premiering on PBS On September 17, a landmark documentary film by producers Ken Burns and Lynn Novick “The Vietnam War”, premiered on PBS. The series was proudly sponsored by Bank of America. The film brings together different perspectives for meaningful conversation about an era that shaped American politics, diplomacy, economics and culture. Through its support of the film, Bank of America hopes to spur dialogue that fosters understanding, resulting in stronger communities better prepared to take hold of economic growth. It also underscores the bank’s long-standing support of military service members and their families. In addition to serving members of the military community as a bank and as an employer, the bank’s Better Money Habits financial education program features free resources designed to help veterans tackle the transition to civilian life, including modules on learning about VA home loan benefits, health care Bank of America proudly sponsored options and ways to pay down debt, among others.

“The Vietnam War,” the 10-part, 18-hour documentary film by Ken Burns and Lynn Novick that aired in September on PBS stations nationwide.

Congratulations Bank of America Corporation!

88 | FSR - Corporate Social Responsibility

COMPANY OF THE WEEK

Visa Austin Gives Back As part of Visa’s broader philanthropic response to the major hurricanes in the fall, Visa employees in Austin rallied together for a site-wide day of action to support relief efforts for those impacted by Hurricane Harvey. The Austin employees generously contributed more than $10,000 in just the first hour, ultimately raising $60,136 for the American Red Cross, including a 3:1 match from Visa. William Coombes, Vice President & Head Visa employees in Austin support those impacted by of Visa User Experience, was the day’s Hurricane Harvey. champion. “I’ve been with this company for almost 14 years now and have never seen something come together so quickly,” he said. “It meant so much to everyone, and not only were we #TexasStrong, we were #VisaProud.” In addition to the funds, about 100 employee volunteers came together during the afternoon to assemble 360 care kits, complete with personal notes, which were distributed to local shelters welcoming those displaced by Hurricane Harvey.

Congratulations Visa Inc.!

Impact Report 2O17 | 89

COMPANY OF THE WEEK

Unum Bridges Education With Business “Learning about innovation and business in Maine allows education leaders to leverage these new relationships in powerful ways such as creating internships, job opportunities, and classroom innovation,” is one way an educator talked about the Education Leaders Experience. Since 2012, Unum helped develop a program designed to offer participants the opportunities to meet business leaders throughout Maine. It’s a chance to widen the network of the educators and business leaders, which has led to some partnerships providing extraordinary learning opportunities for students.

Educators swing into the manufacturing sector with a visit in Shirley, Maine, to Dove Tail Bats who makes baseball bats for major league teams.

Providing opportunities for educators to see businesses in various sectors including manufacturing, financial services, healthcare, agriculture, and more, gives them information on the skills needed in the workforce. A mock-legislative day is part of the experience. Educators can see how policy is made and learn how the details of the State’s budget. This is a great example of a strong business/education/community partnership that’s making a difference for students.

Congratulations Unum!

90 | FSR - Corporate Social Responsibility

COMPANY OF THE WEEK

Cat Financial Wraps Up Another Successful Campaign of Giving With Their Annual United Way Week

The theme for the 2017 campaign was Tune in to Give, a celebration of pop culture and entertainment with a decidedly charitable twist. The week’s events included trivia, bingo, Family Feud, a 5K, a Variety Show, and much more. The popular Rock for a Reason event even saw new Cat Financial President Dave Walton take the stage with the Cat Financial house band. Surrounding the week’s events were service opportunities, where employees spent time giving back to their community by lending a hand to several United Way partner agencies. Thanks to the generosity of its employees and a generous match from the Caterpillar Foundation, Cat Financial surpassed their fundraising goal, raising more than $550,000 for United Way.

Congratulations Caterpillar Financial Services Corporation!

Impact Report 2O17 | 91

COMPANY OF THE WEEK

KeyBank Forms National and Regional Advisory Councils to Provide Partnership and Accountability for the “National Community Benefits Plan” Citing the power of accountability and partnership, KeyBank held the first meeting of its National Advisory Council in August as part of its $16.5 billion “National Community Benefits Plan”. The councils, which include a diverse group of community thought leaders and practitioners from KeyBank’s markets, will help oversee plans to provide transformational and meaningful community investments through the “National Community Benefits Plan”. In addition, KeyBank also held its first round of regional advisory council meetings in Western New York, Albany, NY, and the Great Lakes.

KeyBank’s “National Community Benefits Plan” calls for providing affordable housing, such as financing the Center/ West Apartments, a redevelopment project to revitalize the Poppleton neighborhood in Southwest Baltimore.

KeyBank’s five-year “National Community Benefits Plan” is focused on supporting people and neighborhoods by providing safe and decent affordable housing, small business lending, mortgage lending to low-to-moderate income individuals and communities, and philanthropy. “We believe in the power of partnership and accountability as we work to help clients and communities thrive. The National and Regional Advisory Councils will ensure that we have both as we move forward,” said Beth Mooney, chairman and CEO, KeyCorp.

Congratulations KeyCorp!

92 | FSR - Corporate Social Responsibility

COMPANY OF THE WEEK

The “V” in Discover Stands for Volunteerism Over the summer, Discover volunteers were making a real difference in their communities as part of the Discover Cares program, which focuses on three pillars of volunteerism: Supporting Financial Education, Supporting our Schools, and Commitment to Community. More than 65 percent of Discover’s Illinois workforce participated in various community service projects this summer including over 600 volunteers from Discover’s Business Technology Department giving Wheeling, IL, schools an indoor/outdoor makeover with the help of Chicago Cares. Nearly 300 employees from Discover’s Marketing department gathered together Volunteers from Discover’s Marketing Department give each to volunteer at LEARN Charter School in other a high-five during construction of storage cabinets for Waukegan, IL, to complete projects for LEARN Charter School in Waukegan, IL. LEARN and to fill 2,000 food bags for the students as part of “Blessings in a Backpack”. Over 200 employees from Discover’s Card Operations unit volunteered at Whittier Elementary School in Waukegan, completing a massive overhaul of the Whittier building by painting the entire 1st and 2nd floor hallways, including 17 classrooms!

Congratulations Discover Financial Services!

Impact Report 2O17 | 93

COMPANY OF THE WEEK

Helping Hands: MUFG Union Bank Works the Conveyor Belt at the LA Regional Food Bank MUFG Union Bank employees processed 17,000 pounds of food in three hours at the Los Angeles Regional Food Bank. Organized by the bank’s Corporate Social Responsibility division and staffed by volunteers from three of the company’s Enterprise Resource Groups, the team sorted and packaged donated goods for distribution to soup kitchens across the region. “I loved seeing colleagues bring the same level of energy and spirit to volunteering as they provide our customers every day and I was proud to work alongside them,” said Tim Wennes, West Coast President for Union Bank, which provides consumer, business, and commercial banking products and services. MUFG Union Bank’s West Coast President Tim Wennes and volunteers help sort and package food at the Los Angeles Regional Food Bank.

In addition to the volunteer hours, the Union Bank Foundation donated $20,000 to the food bank, which will provide 80,000 meals to those in need. The bank’s employees plan to volunteer at the Food Bank throughout the fall.

Congratulations MUFG Union Bank, N.A.!

94 | FSR - Corporate Social Responsibility

COMPANY OF THE WEEK

Webster Bank Volunteers Turn Out for Largest-Ever “United Way Day of Action” Supporting local food banks and financial literacy programs are two ways that Webster Bank gives back to the communities it serves by responding to local needs with local resources. More than 75 Webster bankers were part of a 500-person-strong volunteer group that turned out this summer for the largest “United Way Day of Action” in the history of Webster’s headquarters city, Waterbury, Connecticut. That makes it among the largest one-time Webster volunteer events. Hosted by United Way of Greater Waterbury (UWGW) to celebrate its 75th anniversary, the initiative mobilized communities across the United Way’s 10-town region. UWGW has been Webster’s lead United Way in support of our employee campaign for the past 75 years.

More than 75 Webster bankers took part in the United Way of Greater Waterbury’s Day of Action held in Webster’s headquarters city. The day-long event was the largest ever in the United Way’s 75-year history.

Volunteers read to children, completed volunteer projects at partner agencies, and collected more than 89,000 pounds of food.

Congratulations to Webster Financial Corporation!

Impact Report 2O17 | 95

COMPANY OF THE WEEK

Regions Bank Serves the Atlanta Police Foundation and Its At-Promise Youth Center When Regions associates in Atlanta realized that recruits joining the city’s police force could benefit from basic financial education, they worked with the Atlanta Police Foundation to establish moneymanagement lessons as part of the recruits’ onboarding. Since then every incoming officer (more than 150) has learned from a Regions banker about budgeting, saving, using credit, preparing for homeownership, and other financial fundamentals. This relationship led to Regions supporting another Foundation initiative: transforming an empty school into the At-Promise Youth and Community Center on the city’s Westside, an area known in recent years for Regions Financial Education Manager Cecilia Bailey criminal activity and poverty. The center’s (standing) has taught basic money management and use-ofgoals include reducing juvenile crime and credit skills to every Atlanta Police Department recruit joining the force in the past year and a half. fostering good relations between police and local youths. An array of services sponsored by participating business and ranging from career readiness to recreational facilities are designed to attract young people to positive endeavors. Regions’ commitment includes associate participation, $150,000 in contributions, and promoting in-neighborhood housing for police officers.

Congratulations Regions Financial Corporation!

96 | FSR - Corporate Social Responsibility

COMPANY OF THE WEEK

Synovus Team Members Demonstrate That Here Matters After Hurricane Irma As Hurricane Irma approached South Florida, team members at Synovus headquarters in Columbus, Georgia, began assembling a rapid-response convoy for dispatch immediately after the storm cleared. Early on the morning of Sept. 13, as southbound roads began to re-open, five trucks and eight Synovus team members departed Columbus for Collier and Lee Counties, Florida; 12 hours later, the team arrived. Using branches in Naples and Fort Meyers as staging areas, the Synovus team distributed 600 cases of water, gas generators, lumber, carpentry tools, and other building supplies, and began helping local colleagues and residents with clearing and clean-up efforts. Around their footprint, Synovus team members raised $18,000 and the company contributed an additional $10,000 for distribution to team members with immediate needs and for community relief efforts. Disbursement of Irma relief funds is already in progress.

Synovus team members clear trees in Lee County and Collier County, Florida.

Congratulations Synovus!

Impact Report 2O17â&#x20AC;&#x201A; |â&#x20AC;&#x201A; 97

COMPANY OF THE WEEK

The Hartford Marks 70th Anniversary of Junior Fire Marshal Program With $2 Million Donation A home fire is reported in the U.S. every 86 seconds and 33 percent of home fires are started by children six to nine years old. As part of the 70th anniversary of The Hartford’s Junior Fire Marshal program, The Hartford has committed to donate a total of $2 million to local school districts and fire departments in the 100 cities with the highest home fire risk for fire safety education. Over the next three years, The Hartford’s $2 million donation will go towards public school districts in 100 cities, local fire departments, and educational fire safety materials to 1.5 million children in kindergarten through 3rd grade. The Hartford has also created a mobile fire Don Knotts and Ron Howard (The Hartford’s Junior Fire safety house that will visit schools in select Marshal Program). cities across the U.S. to immerse students in fire safety demonstrations using state-of-the-art technology that simulates various home fire situations. The Junior Fire Marshal program was started in 1947 by an employee of The Hartford. Since the program’s inception, The Hartford has deputized more than 110 million Junior Fire Marshals.

Congratulations The Hartford!

98 | FSR - Corporate Social Responsibility

COMPANY OF THE WEEK

TD Commits $3 Million in NFCC Partnership: Unique Program Will Educate and Empower Small Business Owners As part their ongoing commitment to helping small business owners (SBOs) own their futures, TD Bank has entered into an exclusive partnership with the National Foundation for Credit Counseling (NFCC). TD is the only financial institution funding this type of small business education – and our $3 million contribution enables NFCC member agencies to provide financial education and counseling services to over 10 thousand SBOs. The partnership includes two phases. Using the NFCC’s Sharpen Your Financial Focus® program framework, Phase I will From left to right: Ann Estes (NFCC), Paula Wengerd (TD), Celia provide personal financial reviews and Moncholi (TD), Jeff Faulkner (NFCC), Jay DesMarteau (TD), prescriptive education for SBOs who need Susan Keating (NFCC), Andrea Johnson (TD), Jennifer Gabriel support to grow their businesses and may (TD), Manokia Musonge (TD). rely on personal banking products for financing. In Phase II, the NFCC and TD will develop a comprehensive, customized financial education program to help SBOs transition to more appropriate business products and services and offer counseling delivered by accredited agency professionals.

Congratulations TD Bank!

Impact Report 2O17 | 99

COMPANY OF THE WEEK

Ally Employees Donate and Volunteer to Help Hurricane Victims With a commitment to “Do Giving Right,” Ally employees show an outpouring of support for hurricane victims. Following the devastation caused by Hurricane Harvey, Ally matched employee contributions to the American Red Cross disaster relief efforts resulting in a $66,000 donation. In the aftermath of Hurricane Irma, Ally partnered with World Vision, a Humanitarian Aid Organization, to pack and ship 1,550 hygiene kits. Employees across 15 Ally locations came together to pack the kits, which included a written note of encouragement and 16 personal items including shampoo, toothbrushes, toothpaste, Employees at Ally’s Jacksonville location assist neighbors in soap, and washcloths. their communities affected by Hurricane Irma. Several Ally employees in Texas and Florida also helped by opening their homes to neighbors in need of shelter, assisting with clean up and using their personal boats for search and rescue. “Our hope is that the monetary donation and hygiene packs will help make life a little easier as they begin this period of recovery,” said Jacqueline Howard, senior director of corporate citizenship.

Congratulations Ally Financial Inc.!

100 | FSR - Corporate Social Responsibility

COMPANY OF THE WEEK

TSYS Team Members Make a Splash During Summer Water Drive: The Equivalent of 75,285 Bottles of Water are Donated to Help the Homeless TSYS team members in Tempe, Ariz., with help from team members in Broomfield, Colo., collected the equivalent of 75,285 bottles of water for the St. Vincent de Paul Water Drive, which provides water to the homeless in central and northern Arizona. With summer temperatures in the Phoenix, Ariz., area ranging anywhere between 100 and 120 degrees, not having enough water to drink can be deadly. The Tempe Heart of TSYS Committee organizes the annual water drive. The 2017 drive exceeded the results of the 2016 drive, The Heart of TSYS Tempe committee organized a summer which collected the equivalent of 50,134 water drive to donate water to help the homeless. bottles. The Heart of TSYS is a concept that represents everything TSYS team members do to give back to their communities. Tempe’s committee focuses on a variety of projects surrounding fundraising efforts and bringing community awareness in support of causes geared towards the homeless, veterans, parents, and children.

Congratulations TSYS!

Impact Report 2O17 | 101

COMPANY OF THE WEEK

Girls Who Code: Closing the Tech Gender Gap One Student at a Time

More than 50 students have been trained in multiple computer programming languages since the Girls Who Code partnership began.

Understanding that coding is the language of the future, Synchrony Financial is committed to keeping young women engaged and passionate about STEM careers and opportunities. For two years, Synchrony has partnered with the nonprofit Girls Who Code to train high school students in technology disciplines ranging from mobile app development and robotics to web development and design. “Technology is the largest-growing industry in the country — and still a male-dominated one — so we want to do our best to equip young women with the skills to fill the jobs of the future” says Carol Juel, executive vice president and chief information officer.

Congratulations Synchrony Financial!

102 | FSR - Corporate Social Responsibility

COMPANY OF THE WEEK

Comerica Bank’s 10th Annual National Days of Service National Days of Service is Comerica Bank’s anchor volunteer campaign in September, but to maximize their impact in the communities, Comerica works with nonprofits to include different volunteer projects throughout the month, and provide support to the United Way campaign. It is important for us to be flexible to help the organizations meet their needs and achieve their mission to best serve our communities. Throughout September volunteers took part in different service projects to collectively make a difference.

Our colleagues had a “heart-warming” experience packaging 800 bags of potatoes at the Food Bank of South Central Michigan as evidenced by this very special find.

Congratulations Comerica Incorporated!

Impact Report 2O17 | 103

COMPANY OF THE WEEK

Toyota Financial Services Supports Boys and Girls Club of America (BGCA) Youth of the Year The year of 2017 marks the 10-year anniversary of Toyota’s national partnership with BGCA. Since 2014, Toyota has been a Signature partner of the Youth of the Year (YOY) program, BGCA’s industry-leading youth leadership program. In addition to providing financial support for scholarships and a Toyota vehicle for the national YOY winner, hundreds of Toyota team members support students through mentoring, speech writing, and public speaking assistance. Additionally, 20 Toyota team members served as YOY judges this year. Toyota Financial Services President and CEO Mike Groff

Last month at the National Youth of the Year presented the 2017-18 National Youth Carlos P. with a new Toyota Corolla. event, Mike Groff, president and CEO of Toyota Financial Services stated, “Toyota is dedicated to inspiring the next generation of engineers, thinkers and leaders who will help drive the American economy.” Groff continued, “Our work with the Youth of the Year program has been incredibly rewarding. We not only get to hear the dreams of inspiring young people and their incredible stories; we get to be part of their journey.”

Congratulations Toyota Financial Services!

104 | FSR - Corporate Social Responsibility

COMPANY OF THE WEEK

Synovus Holds Month-Long “Honoring Our Heroes” Community Event

Fire, police, and EMS from Columbus/Muscogee County, GA, and Russell and Lee Counties, AL, gathered for a picnic at Synovus headquarters.

Team members across Synovus’ five-state footprint celebrated military, public safety officers, and first-responders during the company’s first-ever “Honoring our Heroes” community outreach in September. Picnic lunches and meal deliveries to fire stations and precincts were provided to onduty first responders throughout the footprint. Team members collected blankets, clothing, and food staples for homeless veterans and others worked on home renovation projects for elderly or disabled veterans. Several banks partnered with Operation Shoe Box and Support our Soldiers to send care packages to overseas military members, with one bank collecting more than 200 pounds of snacks, toiletries, video games, and other items. And more than 5,000 thank-you notes — more than one per team member — were hand-written and mailed to community heroes and military members.

Congratulations Synovus!

Impact Report 2O17 | 105

COMPANY OF THE WEEK

Fulton Financial Corporation Promotes Homeownership in Baltimore, MD and Throughout Footprint Fulton Financial Corporation (FFC) celebrated the grand opening of HOPE Inside, at The Columbia Bank with a block party in Baltimore, MD. The event drew members of the Baltimore community and local dignitaries, and included testimonials from clients whose lives have been changed by credit counseling and homeownership. HOPE Inside is a financial empowerment program administered by Operation HOPE to provide free counseling about credit, money management and homeownership. HOPE Inside, at The Columbia Bank, was made possible by a partnership between FFC (the parent company of The Columbia Bank) and Operation HOPE. FFC also offers HOPE Inside in Reading, PA and Philadelphia, PA.

Pictured (from left) are Jim Smith, chief of strategic alliances for Mayor Catherine Pugh; Phil Wenger, chairman, president and CEO of Fulton Financial Corporation (FFC); John Hope Bryant, founder, chairman and CEO of Operation HOPE; Stephanie Davis, financial wellbeing coach for HOPE Inside, at The Columbia Bank; and William “Smokey” Glover, director of Fair and Responsible Banking for FFC.

The partnership is part of the Fulton ForwardTM initiative, which promotes affordable housing, financial literacy and education, and economic development in low- to moderate-income communities. Fulton is committed to promoting homeownership opportunities in ALL the communities it serves.

Congratulations Fulton Financial Corporation!

106 | FSR - Corporate Social Responsibility

COMPANY OF THE WEEK

U.S. Bank Gives Back, an Investment in Human Potential

U.S. Bank employee volunteers assist on a Habitat for Humanity build.

U.S. Bank employees contributed a record $8.9 million in pledges to its communities across the country – a five percent increase over last year. Throughout September, U.S. Bank employees were encouraged to make a financial contribution, participate in one of many special events held across the company and/or volunteer their time to make a difference in the community. During the campaign, employees reported 7,050 volunteer hours company-wide, representing a 59 percent increase over last year. “We had a very successful annual employee giving campaign this year,” said Andy Cecere, president and CEO of U.S. Bancorp. “Our employees’ generosity is a great example of how we invest our hearts and minds to power human potential.” As part of the employee giving campaign, U.S. Bank continued its long-standing partnership with United Way. Together, the two organizations have been working on making the community better and doing it with integrity.

Congratulations U.S. Bancorp!

Impact Report 2O17 | 107

COMPANY OF THE WEEK

SunTrust Foundation Awards $800,000 in Grants Expanding the impact of the Lighting the Way Awards in its second year, the SunTrust Foundation recently announced 30 nonprofit organizations will receive grants to further their local efforts to help individuals build financial confidence. The grants, totaling $800,000, were awarded to groups with a specific focus in one or more of the foundation’s four strategic financial well-being areas: financial education, financial counseling, career readiness/ workforce development, and small business/ entrepreneurship. “The Lighting the Way Awards recognize organizations for their community programs Dan O’Neill, president of SunTrust Bank Mid-Atlantic that align with the SunTrust Foundation’s Division; Kari Galloway, executive director of Friends of purpose of helping everyone achieve financial Guest House, one of 30 nonprofits to receive the SunTrust Foundation Lighting the Way Award; and David Fuller, confidence,” said David Fuller, president of president of the SunTrust Foundation. the SunTrust Foundation. “We are proud to support the many ways these organizations are changing individuals’ lives for the better and helping them create a path to financial well-being.”

Congratulations SunTrust Banks, Inc.!

108 | FSR - Corporate Social Responsibility

COMPANY OF THE WEEK

Transforming Perspectives on Aging Through Creativity and Collaboration Genworth wants to help people who need care to age on their own terms and live their lives the way they want for as long as they live, to change the way people think about aging. That’s why Genworth is a part of “Transforming Perspectives”—an interactive mural project with the goal of highlighting the positive and transformative aspects of aging and increasing awareness of senior issues and the resources available to help. Genworth partnered with Senior Connections, the Capital Area Agency on Aging in Richmond, and local artist Colleen Phelon Hall to create the mural, which was inspired by surveys and interviews with Hall and more than 170 seniors in the community on how to age gracefully and live life to the fullest. Genworth volunteers and Senior Connections staff work together to paint one of the mural panels.

Hall divided the mural into panels that were painted at 11 multi-generational paint parties. The mural was installed on the side of the Senior Connections Building in Richmond, Virginia.

Congratulations Genworth Financial!

Impact Report 2O17 | 109

COMPANY OF THE WEEK

Popular Launches Relief Effort to Help Puerto Rico After Hurricane María Days after Hurricane María hit Puerto Rico, Popular launched the “Embracing Puerto Rico” campaign to raise funds to help affected communities. Popular is leading the initiative through its corporate foundations, Banco Popular Foundation, and Popular Community Bank Foundation. Popular will drive donations from customers, partners, and friends toward recovery efforts in Puerto Rico directing 100 percent of the funds raised for rebuilding the most vulnerable communities. This fund will be used primarily in two ways. The first is immediate aid where employees People affected by hurricane María receive food, water, and and volunteers bring food, water, and supplies supplies in Humacao, Puerto Rico. to areas in need through organizations that the Foundation supports. Popular will work with communities to develop projects that can help people through rebuilding houses, reopening businesses, ensuring that schools open, among other initiatives. Popular kickstarted this initiative with a $1,000,000 donation and as of October 2017, “Embracing Puerto Rico” had impacted 26 municipalities, impacted more than 18,000 people and distributed 181,000 pounds of food.

Congratulations Popular, Inc.!

110 | FSR - Corporate Social Responsibility

COMPANY OF THE WEEK

Wells Fargo Housing Foundation Announces $6 Million in Grants Across America – 47 Grants Awarded to Nonprofits for Neighborhood Revitalization

Wells Fargo pledged $6 million toward neighborhood revitalization efforts with 47 grants to nonprofits through the Wells Fargo Housing Foundation’s 2017 Priority Markets Program. “We are focused on making meaningful contributions to address affordable and sustainable housing,” said Martin Sundquist, executive director of the Wells Fargo Housing Foundation. “These grants help revitalize neighborhoods, build stronger communities, and are an example of the positive impact that can be achieved with thoughtful public-private collaboration.” The 2017 Wells Fargo Housing Foundation Priority Markets Program supports projects, programs, and initiatives that help remove barriers to sustainable housing in low- and moderate-income communities. Since 2009, the program has provided grants totaling more than $48 million to nonprofits in more than 125 communities, impacting more than 40,000 people and creating more than 4,000 places for people to call home. Recipients must be 501 (c)(3) organizations with successful histories of supporting low- to moderate-income communities.

Congratulations Wells Fargo & Company!

Impact Report 2O17 | 111

COMPANY OF THE WEEK

Northern Trust Supports STEM Education Through Project Syncere Northern Trust is committed to supporting organizations that teach students to compete globally. Education is one of their core giving strategies understanding that providing under resourced schools and communities with opportunities to supplement their standard curriculum will translate to brighter future for most. Their partners recently teamed up with Carl Beckman, senior vice president and director of strategic development for Northern Trust Asset Management, and students from Project Syncere, a Chicago based not-forprofit which provides STEM programming to youth in underserved communities. Steve Potter, vice chairman, giving opening remarks and Vice Chairman Steve Potter and Shundrawn Jason Coleman – co-founder and executive director. Thomas, president of the Asset Management, led a group of senior executives in assisting children from Wendell Green Elementary School with engineering a Safe Stopping Robot. Project Syncere’s mission is to create pathways for underrepresented and disadvantaged students to pursue careers in STEM. The organization provides students with a curriculum that integrates STEM through the use of project base learning. The organization annually serves between 15,000 and 20,000 students.

Congratulations Northern Trust Corporation!

112 | FSR - Corporate Social Responsibility

COMPANY OF THE WEEK

Fifth Third Launches “Finance Academy”

Shroder high school students, school administrators, Fifth Third Bank employees, and community partners gather at the Fifth Third “Finance Academy” launch.

Fifth Third Bank launched “Finance Academy”, a new financial and entrepreneurship program, throughout its 10-state footprint on Oct. 16. The Bank collaborated with EverFi, an education technology innovator, to deliver “Finance Academy” and kickoff an effort to educate 450,000 students over the next three years. Fifth Third introduced “Finance Academy” at Shroder High School in the Cincinnati Public School District at an event in which students previewed course content and pitched business ideas. The Bank also presented the district with a $10,000 technology grant. A key part of Fifth Third’s $30 billion Community Commitment plan, “Finance Academy” builds upon the Bank’s dedication to financial empowerment. The Academy, which is offered free to schools and delivered via students’ mobile technology, builds foundational financial knowledge and fosters entrepreneurship. Since launch, more than 300 schools have accessed the program and over 14,000 students have completed 34,000 course hours.

Congratulations Fifth Third Bancorp!

Impact Report 2O17 | 113

COMPANY OF THE WEEK

KeyBank Bridging the “Confidence Gap” Through Innovative Client and Community Financial Wellness Programs Financial Wellness is KeyBank’s commitment to helping all clients build financial confidence. KeyBank launched Financial Wellness in 2014 recognizing people know their financial goals, but are not confident they have the tools and insight to attain those goals. Earlier this year, KeyBank acquired leading personal software provider HelloWallet. Clients enrolled in HelloWallet assess their personal financial health and receive a personal financial health score. This includes spending and saving information and preparation for near term needs and longterm goals.

Every year, KeyBank employees make free tax preparation services available during Super Refund Saturday.

Financial wellness extends to employees’ work in the community. Every year, KeyBank’s Super Refund Saturday makes free tax preparation services available to help low- and moderate-income earners discover their eligibility for the Earned Income Tax Credit (EITC). This year, volunteers helped prepare 802 filings which resulted in a total of $1,718,252 in refunds, with more than half coming from EITC filings.

Congratulations KeyCorp!

114 | FSR - Corporate Social Responsibility

COMPANY OF THE WEEK

All in a Day’s Work: Discover’s Law Department Gives Students Legal Career Advice, Teaches Career Readiness Skills, and Fights Hunger All in One Day More than 100 volunteers from Discover’s Law Department spent an entire day working with 100 high school juniors from Cristo Rey St. Martin College Prep in Waukegan, teaching financial literacy, giving perspective on a legal career, and packing meals to fight hunger. Students and volunteers spent half the day working on networking and interview skills through Junior Achievement’s You’re Hired Program. Volunteers also gave students an overview on Corporate Law and perspective on a legal career. The other half of the day students and volunteers worked alongside each other to pack meals for Northern Illinois families through Feed6, an organization dedicated to fighting hunger. The students and Law volunteers packed 50,000 meals that will be distributed to Northern Illinois families in need over the next couple weeks.

Kelly Mcnamara Corley, executive vice president and general counsel at Discover, helps a Cristo Rey St. Martin College Prep student practice her interview skills as part of the Junior Achievement “You’re Hired” program.

Thank you to Discover’s Law Department for showcasing the Discover value of Volunteerism and our commitment to the community.

Congratulations Discover Financial Services!

Impact Report 2O17 | 115

COMPANY OF THE WEEK

Regions Bank Expands Commitment to “HOPE Inside” Financial Counseling Regions is expanding its partnership with Operation HOPE to support 100 “HOPE Inside” financial empowerment centers inside Regions branches. At HOPE Inside locations, certified financial coaches provide credit-building and money-management counseling for free to underserved residents and small business owners. Operation HOPE supplies counselors while host banks supply workspace facilities and financial backing. “Operation HOPE helps people take charge of their finances, improve their credit scores, and reach their long-term financial goals,” Operation HOPE Founder, Chairman, and Chief Executive said Regions Chairman, president and CEO Officer John Hope Bryant speaks at the grand opening of a HOPE Inside financial empowerment center at a Regions Grayson Hall. “We have seen first-hand how this program makes a tremendous difference Bank branch. throughout the communities we serve. Regions is proud to build on this partnership to make financial education more accessible to more people.” Regions houses HOPE Inside centers in Birmingham, Montgomery and Selma, Ala.; St. Louis, Mo.; Jacksonville, Fla.; New Orleans and Baton Rouge, La.; Paducah, Ky.; and Grenada, Miss., and expects to reach its 100-locations commitment within four years.

Congratulations Regions Financial Corporation!

116 | FSR - Corporate Social Responsibility

COMPANY OF THE WEEK

State Farm® Celebrates 10 Years of Partnering with Habitat for Humanity International Youth Programs During the month of October, more than 200 State Farm® employees turned caring into doing as they volunteered with Habitat for Humanity affiliates in Atlanta, Dallas, and Phoenix to build and rehab homes. These builds were organized in celebration of 10 years supporting the Habitat for Humanity International youth programs. Through funding provided by State Farm®, Habitat for Humanity International is providing Campus Chapter matching grants to help youth build homes and revitalize neighborhoods, grants to assist with disaster recovery, and grants focused on grooming younger youth who are too young to be on the build sites with a passion for the work of State Farm® volunteers work together to build new homes. Habitat for Humanity. This funding provides an opportunity for youth of varying ages across the country to be involved with their local habitat for Humanity affiliates. This support has helped to mobilize more than 650,000 young volunteers as they built and rehabbed homes, advocated for affordable housing, and impacted 106 communities across the country.

Congratulations State Farm®!

Impact Report 2O17 | 117

COMPANY OF THE WEEK

IBERIABANK Bank at School Program IBERIABANK is committed to financial literacy for not only adults, but for children too. What began over 14 years ago at Daspit Elementary School in New Iberia, Louisiana, now serves four schools and nearly 500 students in South Louisiana, with a unique and successful Bank at School Program. The Bank at School program is designed to teach the importance of savings, calculating interest, opening accounts, and making deposits. Each Bank at School branch is staffed by sixth grade students who operate their branch under the oversight of a team of IBERIABANK associates and teachers. Throughout the school year, all participants Student tellers assist with IBERIABANK Bank at School are taught how to open a bank account, participants making deposits at Daspit Elementary. calculate interest, and make deposits. At yearend, students close their accounts and gain lifelong financial skills from this experience. As schools continue to seek innovative, appropriate, and simple ways to incorporate fun learning experiences into their classrooms, partnerships like Bank at School allow banks to provide a meaningful and effective financial education.

Congratulations IBERIABANK Corporation!

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COMPANY OF THE WEEK

“Banking on Our Future”: M&T Bank, Operation Hope, Inc. Teach High School Students Money Management

Cassandra Ferguson, Operation Hope; Rodney L. Joyner, Director of College Advising, Baltimore City College High School; Cindy Harcum, Headmaster, Baltimore City College High School; Sherrice Davis, Community Reinvestment Officer, M&T Bank; Brent Robert, Corporate Training Specialist, M&T Bank.

Employees in M&T Bank’s Sales Development Program (SDP), using the “Banking on our Future” curriculum developed by Operation Hope, Inc., taught the basics of financial literacy to more than 500 juniors and seniors at City College High in Baltimore. Students were broken out into small groups for interactive activities around sound money management. The students learned about budgeting; credit and financial outcomes; the difference between debit and credit cards; and saving and investing. “An important part of our service to the community includes empowering people to take control of their finances,” said Sherrice Davis, Community Reinvestment Officer of the Baltimore region for M&T. “For many young people, this program is their first exposure to the world of personal finance, and we hope they will take what they learn here today into adulthood.”

Congratulations M&T Bank Corporation!

Impact Report 2O17 | 119

COMPANY OF THE WEEK

BB&T Supports Golden Girls Group Home “I had the opportunity to meet with the organization to learn more about their vision and I knew we needed to help,” said Marlo Long of BB&T. The Golden Girls Group Home is a nonprofit, residential therapeutic group home for girls who have been removed from their homes for a wide variety of heartbreaking reasons. At the home, they find unconditional love, treatment, peer support, and healing. Unfortunately, these vulnerable girls are discharged between the ages of 18-21 and are often on the street. To address the issue, Golden Heart Apartments was created. The 11-unit, fully furnished apartment complex provides affordable housing to those aging out of the group home.

The furnished inside of a Golden Heart Apartment.

BB&T is proud to have provided predevelopment mini-grants, helped secure an Atlanta Affordable Housing Program grant, provided the construction financing, and plans to provide financial education to the residents.

Congratulations BB&T Corporation!

120 | FSR - Corporate Social Responsibility

COMPANY OF THE WEEK

Allstate Foundation Purple Purse Raises Awareness and Funds During Domestic Violence Awareness Month in October In honor of Domestic Violence Awareness Month in October, Allstate Foundation Purple Purse inspired Americans to take action to help end domestic violence and financial abuse. The Allstate Foundation invited thought leaders, influencers, and the public to join the conversation throughout its campaign. In late October, Congresswoman Gwen Moore, Allstate Senior Vice President Vicky Dinges, National Network to End Domestic Violence CEO Kim Gandy, and YWCA National Capital Area CEO Monica Gray participated in a discussion about financial abuse and empowerment at a Financial Services Roundtable luncheon for 100 Congressional staff and local opinion leaders.

Allstate Senior Vice President Vicky Dinges spoke about financial abuse and empowerment at a Financial Services Roundtable luncheon on Oct. 24.

The Allstate Foundation inspired the public to donate to help nonprofits provide critical survivor services. The fourth annual Allstate Foundation “Purple Purse Challenge”, a friendly fundraising competition among 221 domestic violence nonprofits, was the most successful yet. More than $4.1 million for local nonprofits was raised through public donations and grants from The Allstate Foundation.

Congratulations Allstate Insurance Company!

Impact Report 2O17 | 121

COMPANY OF THE WEEK

PNC Presents Wounded Veteran with Keys to Mortgage-Free Home Retired U.S. Army veteran James Davis recently received a life-changing gift – the keys to a newly renovated home in metro Atlanta. This is the third mortgage-free home PNC has donated to a deserving veteran through the Military Warriors Support Foundation’s “Homes 4 Wounded Heroes” program, part of an ongoing effort to recognize and honor active service members and veterans for their sacrifice. More than 50 Atlanta-area PNC Bank employees donated time to help remodel the split level, four-bedroom, 2.5 bath home.

The Davis family tours the newly remodeled 2,250 sq ft, two-story, four-bedroom, 2.5 bath home.

“Many of our combat wounded have returned home with severe injuries that will impact their families for a lifetime,” said Eddie Meyers, PNC’s Georgia regional president and a U.S. Marine Corps captain and Gulf War combat veteran. “With this home donation, we’re privileged to honor Sgt. Davis and his family, who have sacrificed so much to protect our freedom.”

Congratulations The PNC Financial Services Group, Inc.!

122 | FSR - Corporate Social Responsibility

COMPANY OF THE WEEK

Tenth Annual Breakfast for the Cure Raises More Than $3K for Susan G. Komen Cat Financial’s Women’s Initiatives Network’s (WIN) hosted its 10th Annual Breakfast for the Cure. It was another successful year with more than $3,000 raised for Susan G. Komen for the Cure®, which has a mission to save lives and end breast cancer forever by empowering people, ensuring quality care for all, and energizing science to find the cures. “We appreciate everyone who participated and everyone who made or donated a breakfast item or volunteered their time,” WIN Community Outreach Chair Abby Smith said. “We could not have made this a success without their contributions, and we look forward to next year’s Breakfast for the Cure!”

WIN members in front of the mobile mammography unit.

In addition to this year’s breakfast, the group also sold 205 pink rubber ducks to fill the fountain in front of the building, and hosted a Mobile Mammography Bus.

Congratulations Caterpillar Financial Services Corporation!

Impact Report 2O17 | 123

COMPANY OF THE WEEK

CIT Launches the Gratitude & Growth Project

To celebrate the season of giving thanks, CIT launched The Gratitude & Growth Project, an interactive philanthropic social campaign that invites stakeholders to help restore forests in California and Florida following recent weather-related affects. CIT has partnered on this effort with OneTreePlanted, a nonprofit organization dedicated to reforestation. Throughout November CIT shared content across its social media channels related to The Gratitude & Growth Project, and for every like or share we planted a tree. The campaign ran through Thanksgiving Day on CIT’s Facebook, Twitter and LinkedIn pages. CIT shared its final tree tally on social media on November 28, which is Giving Tuesday. One Tree Planted estimates a total of 80,000 acres of forest disappear from the earth each day. The Gratitude & Growth Project is one way CIT can help to more quickly regrow sustainable forests in the United States.

Congratulations CIT Group, Inc.!

124 | FSR - Corporate Social Responsibility

COMPANY OF THE WEEK

BMO Supports Diversity in Higher Education and the Workforce Posse Chicago honored BMO Harris Bank at their annual Power of 10 event. Dave Casper, president and CEO, and a former Posse Chicago Advisory Board member, accepted the award on the bank’s behalf. Each year, Posse Chicago honors a partner who celebrates diversity in higher education and the workforce. BMO Harris has supported Posse Chicago since 2011 through sponsorships and as a Posse Chicago Career Partner, providing internship and full-time opportunities to Posse scholars and alumni. The Posse Foundation identifies, recruits, Dave Casper accepts BMO Harris Bank’s honor at Posse and trains urban public high school Chicago’s Power of 10 event. students with extraordinary academic and leadership potential and sends them in Posses—supportive, multicultural teams of 10 students—to top colleges and universities across the country. Posse’s 56 college and university partners award Posse Scholars four-year, fulltuition leadership scholarships. To date, 7,734 Posse Scholars have won $1.1 billion in scholarships. Most importantly, Posse Scholars persist and graduate at a rate of 90 percent and are active leaders on their campuses and in the workforce.

Congratulations BMO Financial Corp.!

Impact Report 2O17 | 125

COMPANY OF THE WEEK

Helping Clients and Communities Thrive: KeyBank Community Development Lending and Investment From Maine to Alaska, no matter where you live, there isn’t enough affordable housing. KeyBank Community Development Lending and Investment (CDLI) is helping communities thrive across all 50 states by providing much needed capital for affordable housing and community development projects in urban and rural areas. With a long history and track record of investing in affordable housing, KeyBank has earned 26 years of outstanding Community Reinvestment Act (CRA) ratings for its programs. KeyBank is the only financial institution among the 25 largest to have achieved eight consecutive outstanding CRA ratings.

KeyBank CDLI provided $56.1 million in FHA-insured financing for the construction of Center/West Apartments, a large-scale redevelopment project in the Poppleton neighborhood located in Southwest Baltimore.

In 2015, KeyBank expanded its affordable housing platform nationally. “We wanted to tell our story to clients and communities on a national basis,” said Rob Likes, national manager of Key’s CDLI platform. “Despite major headwinds, we believe in community development and affordable housing. We know it’s good business and the right thing to do and we are planning to do more.”

Congratulations KeyCorp!

126 | FSR - Corporate Social Responsibility

COMPANY OF THE WEEK

Protective’s Steadfast Commitment to United Way – “Serve Together. Win United.” Protective Life Corporation has steadfastly supported United Way and its mission of improving the quality of lives for thousands in our communities by providing services that address critical human needs. Additionally, Protective has incorporated an effective method of introducing employees to the incredible work of many United Way agencies and local nonprofits by offering week-long, service opportunities. Each year, approximately 300 employees volunteer to work, and all of the accompanying expenses related to the projects, which are performed on company time, are completely underwritten by the Protective Life Foundation.

Protective was the presenting sponsor of the annual

Recently, volunteers dedicated 500 hours of Halloween parade at Children’s of Alabama, the third largest pediatric medical facility in the U.S. service at seven organizations performing a variety of tasks, including landscaping, participating in Halloween events for sick or mentally challenged children and harvesting farm produce. At Protective, serving the United Way is synonymous with serving the broader community, and this annual week of dedicated involvement embodies Protective’s culture of joyfully serving others.

Congratulations Protective Life Corporation!

Impact Report 2O17 | 127

COMPANY OF THE WEEK

U.S. Bank Donates $11.2 Million in “Community Possible” Grants to Nonprofits Focused on Work

U.S. Bancorp President & CEO Andy Cecere along with other U.S. Bank leaders welcomed girls from Technovation [MN] earlier this year who were developing financial education apps as part of a regional competition.

U.S. Bank recently announced its second round of “Community Possible” grants, donating $11.2 million in Work grants to nonprofits across the country focused on workforce development, higher education, small business development and financial education. U.S. Bank’s “Community Possible” corporate giving and engagement platform focuses on economic development through three pillars – Work, Home and Play. “At U.S. Bank, we invest our time, resources and passion to build and support vibrant communities that allow every person to work toward their possible,” said Andy Cecere, president and CEO of U.S. Bancorp. “We are focused on economic development and it starts by supporting nonprofits who help people achieve higher education, become financially literate, secure employment and develop small businesses.” In addition to the Foundation grants, U.S. Bank employees also give back through volunteerism and pro bono service. In 2016, more than 150,000 individuals were served through 2,850 financial education seminars and online workshops in local communities.

Congratulations U.S. Bancorp!

128 | FSR - Corporate Social Responsibility

COMPANY OF THE WEEK

Our Responsibility for the Future—Living Lincoln’s Legacy For more than 100 years, Lincoln Financial has recognized that good corporate citizenship is intrinsic to our success. Lincoln Financial employees are committed to service and responsibility, making significant contributions in their communities as volunteers and board members. In partnership with Junior Achievement (JA), hundreds of Lincoln employees participate in programs including: JA in a Day for kindergartners through eighth-graders; JA Biztown®, an interactive, simulated town for fifth- and sixth-graders; and the JA Lincoln Finance Park® program for high school students, where they learn about financial issues such as incomes, budgets, personal and family expenses, and saving.

“This was the most successful two-day kit rebuild to date! You and your team are amazing and we are truly blessed to have you as a partner.” - Sarah Garrison, senior director of education, Junior Achievement.

Employee volunteers also joined JA to rebuild their program kits, helping save thousands of dollars and giving hundreds more students the opportunity to experience JA. In one day, these volunteers rebuilt 258 kits, saving JA $24,064.08 in kit costs. Since its inception, this partnership has promoted the spirit and value of volunteerism and demonstrated what people working together can accomplish.

Congratulations Lincoln Financial!

Impact Report 2O17 | 129

COMPANY OF THE WEEK

Securian: A United Way $1 Million Partner, 9 Times Over Employees at Securian Financial Group once again made personal pledges and held events in support of the Greater Twin Cities United Way’s efforts to build a stronger Minneapolis-St. Paul community. Over the years, employees from across the company have engaged in traditions that help meet fundraising goals; this year’s goal was $660,000. With an emphasis on fun, teams organize various fundraising events – auctions, raffles, cook-offs, games, and even a lip sync battle – that draw enthusiasm and embody the spirit of working together to help neighbors in need. In 2017, employees could even bid on Super Bowl tickets the company received as a corporate sponsor of the Minnesota Super Bowl Host Committee.

Securian employees Marcela Lopez-Granados (left) and Stacey Raaf dish out soup at the annual “Crocktoberfest” fundraising event for the Greater Twin Cities United Way.

These efforts, combined with a contribution from Securian’s philanthropic foundation, allowed Securian to surpass its goal and become a $1 Million Partner for the ninth consecutive year. The St. Paul-based company has supported the Greater Twin Cities United Way for nearly 45 years.

Congratulations Securian Financial Group, Inc.!

130 | FSR - Corporate Social Responsibility

COMPANY OF THE WEEK

2017 TSYS United Way Campaign Raises $1,585,835 Giving Back Is Part of the Culture at TSYS The 2017 TSYS United Way Campaign raised $1,585,835 corporately. The amount raised at each TSYS office is given to that location’s United Way. In Columbus, Ga., home of TSYS’ headquarters, $1,218,801 was raised for the United Way of the Chattahoochee Valley. “This is another great example of our rich tradition of giving back to our community and sharing our good fortunes with those who need our help the most,” TSYS EVP Keith Pierce said at the campaign finale. “We have a commitment to serve and do the right thing. It really is part of our culture. It’s what we do and what we believe in at TSYS.” Campaign Chair Mary Stamey thanked everyone who contributed. “Every dollar counts. Everyone counts. Every volunteer counts.” Scott Ferguson, president and CEO of the United Way of the Chattahoochee Valley, expressed his appreciation. “Thank you. You’re changing people’s lives every day.”

TSYS Executive Vice President Keith Pierce thanked TSYS team members who contributed to the campaign at the November reveal celebration.

Congratulations TSYS!

Impact Report 2O17 | 131

COMPANY OF THE WEEK

15,000th Homeowner Created Through Wells Fargo LIFT Programs After almost 13 years of living in public housing in Florida, Natasha Jones, a teacher who helps adults with mental disabilities, was ready to own her own home. Jones is one of more than 15,000 people who have become new homeowners thanks to the NeighborhoodLIFT® program, which provides down payment assistance, financial education, and support to homebuyers who have average or below-average incomes. Today, she owns a house with three bedrooms and two bathrooms. The NeighborhoodLIFT program is a collaborative effort of Wells Fargo and the nonprofit NeighborWorks®America. Wells Fargo has committed $372 million to support the revitalization of communities through LIFT programs in 57 communities across the U.S. That support has provided down payment assistance grants, financial education for more than 52,500 people, and homebuyer events for more than 33,600 people.

Congratulations Wells Fargo & Company!

132 | FSR - Corporate Social Responsibility

COMPANY OF THE WEEK

SunTrust Foundation Convenes National Leaders to Help Advance Financial Well-Being

Pictured l to r: Margaret Callihan; Dr. Mark B. Rosenberg; Jack Kosakowski; Susan Somersille Johnson; David Fuller, president, SunTrust Foundation; John Hope Bryant; Nan Morrison; Bill Rogers, SunTrust chairman & CEO and SunTrust Foundation chairman; Jeff Faulkner; Angela Geiger; Jim Clark; Mary Sellers; Michelle Jones; Brian Gallagher; and Dr. Timothy Renick.

The SunTrust Foundation hosted a National Financial Well-Being Summit at SunTrust Park, convening top thought leaders from nonprofit organizations and higher education to discuss ways to lead more people on the path to financial confidence. “The need for financial well-being in America is great,” said Bill Rogers, chairman and CEO of SunTrust Banks, Inc., and SunTrust Foundation chairman, as he welcomed the summit participants. “It’s important we continue having an open and transparent dialogue on how we can work together to make a positive impact in our communities.” Guest panelists shared how their organizations contribute to financial wellness through financial education/counseling for students and adults and empowering others through career readiness/ entrepreneurship. Leaders from the following organizations participated: Autism Speaks; Boys & Girls Clubs of America; Council for Economic Education; Florida International University; Georgia State University; Junior Achievement USA; Money Management, International; National Foundation for Credit Counseling; Operation HOPE; United Way Worldwide.

Congratulations SunTrust Banks, Inc.!

Impact Report 2O17 | 133

COMPANY OF THE WEEK

Santander US Supports Ongoing Relief Efforts in Puerto Rico Santander US employees committed their personal dollars and time to volunteer in the aftermath of Hurricane Maria in Puerto Rico. More than 300 Santander employees participated in 28 volunteer projects delivering goods to affected communities, reaching out to over 7,000 people with food, water filters, and first aid products, and serving lunch to more than 1,200 people in two low-income communities. In addition to serving communities directly through volunteerism, Santander US also responded to the critical and ongoing needs of the 1,500 Santander employees Fredy Molfino, CEO of Banco Santander Puerto Rico based in Puerto Rico. Santander US and Santander Bancorp prepares food to serve lunch to recently announced a $2m commitment members of the community. to the recovery efforts in Puerto Rico and is meeting this pledge through several initiatives including the Santander US Employee Relief Fund, ongoing Employee Matching Gift program, and corporate donations. Through the support of the Santander Consumer Foundation, employee donations are being combined with the corporate donation and distributed to impacted Santander employees in Puerto Rico.

Congratulations Santander!

134 | FSR - Corporate Social Responsibility

COMPANY OF THE WEEK

Giving Back: Allianz Life Employees Help Local Charities for the Holidays During their annual Spirit of Giving campaign, Allianz Life gave more than 45,000 pounds of food and clothing, $116,000, 3,700 toys, 87 bikes, and 800 books to five Minneapolis-St. Paul charities to ring in the Holiday season. The donations supported local social services organizations, food shelves, a homeless shelter, and Toys for Tots. More than 1,800 employees gave back in a variety of ways including: “buying” the chance to dress casual, conducting raffles, having an egg drop contest, holding bake sales, and even wrapping gifts. An event was held on December 1 for employees to present a large donation check as well as to form a human chain that loaded hundreds of boxes of food and clothing into semi-trucks going to the charities.

Allianz Life employees form a human chain to load hundreds of boxes onto waiting semi-trucks.

Since the campaign began 18 years ago, Allianz Life employees have given more than $922,000, 348,000 pounds of food, and 339,000 pounds of clothing to local charities.

Congratulations Allianz Life Insurance Company of North America!

Impact Report 2O17 | 135

COMPANY OF THE WEEK

From Classroom to Conference Room, Toyota Financial Services Interns Are Making Moves The Toyota Financial Services (TFS) “Making Life Easier” (MLE) intern graduates have every reason to celebrate. Many of the TFS interns have continued to become full-time members of the Toyota family. It’s all part of TFS “Road to Success” program, which provides mentorship, educational, and scholarship opportunities to underserved youth. The TFS MLE Internship program is a paid program for college students who have received financial scholarships or/and are affiliated with one of TFS’s nonprofit partners. TFS aims to provide students with the opportunity to obtain meaningful work experiences within the company that will prepare them for the workforce upon graduation.

Toyota Financial Services President and CEO Mike Groff meets with TFS Making Life Easier summer interns.

Interns are assigned a project designed to help them learn key skills and attributes necessary to succeed on the job. Thorough a dedicated mentor, interns develop problem-solving skills, business acumen through project management, and exposure to enrichment/learning opportunities.

Congratulations Toyota Financial Services!

136 | FSR - Corporate Social Responsibility

COMPANY OF THE WEEK

Junior Achievement and CIBC…Partners in Financial Literacy Education! Preparing children for a good financial future is an important objective for CIBC. Their partnership with Junior Achievement (JA) provides a platform to help students learn basic financial concepts. Through Board involvement to classroom instruction and employee fundraisers, CIBC are proud supporters of JA. Spending time in the classroom is a highlight for CIBC team members. Volunteers gather several times a year, excitedly waiting for buses to take them to one of the Bank’s partner schools. Volunteers share their experiences and teach JA’s grade specific Financial Literacy programs. Bank volunteers work with 3rd grade students to help them Over the past 10 years, the Bank has learn about “Our City”. contributed over $200,000 in JA program funding through corporate philanthropy and employee fundraisers. Employees logged over 10,000 volunteer hours through their partnership with Junior Achievement. This program is a winwin for all! Students gain access to invaluable financial literacy education and bankers learn from the students while giving back to the community.

Congratulations CIBC Bank USA!

Impact Report 2O17 | 137

COMPANY OF THE WEEK

MUFG Thanks Its Communities by Giving Back MUFG employees took part in more than 75 volunteer activities throughout the U.S. to celebrate its annual “MUFG Gives Back” campaign. Team members planted more than 1,200 bulbs, 400 trees and shrubs, helped preserve 15 acres of land, and removed 250 pounds of waste. The bank’s foundation also donated $150,000 to The Student Conservation Association to support activities that protect the environment and introduce “green” careers to young adults. Although MUFG encourages volunteerism throughout the year, November is the month MUFG Union Bank employees and their families helping when the company unites to support the restore Maple Wood Playfield in Seattle, WA. communities in which it operates. In 2013, MUFG established November as global volunteer month in response to the outpouring of support it received following the Great East Japan Earthquake. “I am proud of the volunteers that participated in several projects that will improve the well-being of our communities. I cannot imagine a better way to say thank you,” said Julius Robinson, the bank’s Head of Corporate Social Responsibility for the Americas.

Congratulations MUFG Union Bank, N.A.!

138 | FSR - Corporate Social Responsibility

COMPANY OF THE WEEK

BBVA Compass’ “Project Blue Elf” Brings Toys, $25 Savings Vouchers to 5,500 Children The BBVA Compass Foundation brought its signature holiday initiative, “Project Blue Elf”, to 30 markets across the bank’s footprint this month, giving toys and $25 savings-account vouchers to more than 5,500 children. “Project Blue Elf”, celebrating its fifth year, is

designed to bring holiday cheer to children in low- to moderate-income areas. As part of this year’s festivities, BBVA Compass executives and volunteers read “The Gingerbread Man Story” before handing out toys and $25 vouchers for BBVA Compass Young Savers accounts to each child.

The BBVA Compass Volunteers who helped bring “Project Blue Elf“ to Miller Heights Elementary School in Belton, “The savings-accounts vouchers were Texas, on Dec. 7. “Project Blue Elf” visited 30 markets across a special addition this year,” said BBVA the bank’s footprint in December, giving toys and $25 Compass Director of Corporate Responsibility savings-account vouchers to more than 5,500 children.

& Reputation Reymundo Ocañas. “They’re meant to build awareness, which is one of the most rewarding things we do.”

“Project Blue Elf” helps the bank deliver on its mission to create opportunities across its communities. Overall, more than 2,000 bank volunteers have reached more than 20,000 students at 112 schools.

Congratulations BBVA Compass!

Impact Report 2O17 | 139

COMPANY OF THE WEEK

Protective Helps Bring Awareness to Alabama’s Foster Children The Protective Life Foundation is honored to support Heart Gallery Alabama, a local nonprofit dedicated to finding families for children in Alabama’s foster care system by raising awareness through a traveling portrait exhibit. Professional photo shoots are conducted by volunteer photographers at sites throughout the state, including Protective’s beautiful campus. The photographs of those in the system serve as a compelling and authentic representation of the children, and each photo is accompanied by a brief “introduction,” including personal interests and goals. Protective’s home office in Birmingham recently hosted the inspirational exhibit, which showcased approximately 56 children currently waiting to join a family. Additionally, Protective employees generously donated gift cards to a variety of venues for the benefit of those highlighted so they could experience “We know that if we can get the photos of these children in front of people, that is the best way we the joys and true meaning of the can tell their stories and get people interested in holiday season.

exploring the thought of adopting or helping them in some way,” says Wendy Evesque, Senior Vice President and Chief Human Resources Officer at Protective.

Congratulations Protective Life Corporation!

140 | FSR - Corporate Social Responsibility

COMPANY OF THE WEEK

Genworth Employees Help Neighbor Achieve Homeownership Dream Genworth’s Mortgage Insurance employees help people across the United States buy a house and make it their home. They also bring that same commitment to homeownership to their neighbors in the Raleigh, NC region through a partnership with Habitat for Humanity of Wake County (“Habitat”). In November Habitat dedicated the 2017 Genworth-sponsored home to its new owner, Khadija Laasiri, a single mom of an eight-year-old son who is also a student in accounting and works full time. Genworth employees and volunteers from other organizations who participated in the build attended the dedication.

Genworth employees working on the exterior of the home.

Beyond funding the build, 34 Genworth associates volunteered more than 260 hours throughout 2017 to help Khadija realize her dream of homeownership. During the dedication Khadija expressed how thankful she is for the opportunity to own a new home.

Congratulations Genworth Financial!

Impact Report 2O17 | 141

COMPANY OF THE WEEK

Comerica Colleagues Support the Community with Holiday Spirit Comerica Bank colleagues across the country have been wrapping up their year-long volunteer efforts by sharing their holiday spirit in the community. From decorating trees to serving a traditional Thanksgiving dinner to donating items for veterans undergoing medical treatment, Comerica colleagues embraced the opportunity to brighten the holidays for people of all ages. “As the end of the year approaches, our employees often reflect on the gifts they’ve been given in their lives and are looking for ways to give back to those who may not be as fortunate,” explained Patricia McCann, who leads Comerica’s volunteer efforts. “Finding opportunities for our employees to donate their time to local nonprofit organizations is one way we demonstrate our commitment to the communities we serve.”

Comerica volunteers participated in the Texas Scottish Rite Hospital for Children’s holiday decorating party for the 20th consecutive year. More than 50 trees were decorated and placed throughout the hospital in hopes of lifting the spirits of the patients during the holidays.

This year Comerica challenged its colleagues to donate 65,000 volunteer hours in the community. With 61,000 volunteer hours already recorded, employees are on their way to exceeding that goal.

Congratulations Comerica Incorporated!

142 | FSR - Corporate Social Responsibility

COMPANY OF THE WEEK

Starmount Adopts LaSalle Starmount found the perfect partnership to promote all three Unum pillars – adoption of a local school as its community partner. LaSalle Elementary, located a few blocks from Starmount, has a high population of lower income students and a need for additional resources. Starmount volunteers participate in monthly programs and special events at LaSalle. Employees read to students twice a month, and assisted during the school’s annual Fall Festival fundraiser. The company also sponsored two key programs: “JA in a Day” where volunteers taught financial literacy to several classes and an artist in residency program for third grade students. Starmount purchased 70 new coats Starmount/Unum employees volunteer for JA in a Day. L to for LaSalle students to keep warm this winter, R (upper row): Allyson Bombet, Brian Morin, Laura Vavrek, in addition to collecting 119 coats for charity. Jennifer Woods, Brianna Hair. (Lower row) Meghann Morin,

Julie Andre, Debra Caine, Kate Benedetto, Melissa Gonzalez,

Deborah Sternberg (Starmount President), and Cynthia “This partnership is about investing in our Jarvis. children and our community,” said Starmount President Deborah Sternberg. “We look forward to continuing our work with the students next year.”

Congratulations Unum!

Impact Report 2O17 | 143

COMPANY OF THE WEEK

Tis’ The Season for BMO Giving On December 9, BMO Harris Bank sponsored the first annual Teddy Bear Toss at the Wisconsin Badger’s Men’s hockey game at the University of Wisconsin-Madison to benefit Toys for Tots. The Teddy Bear Toss, started by the Kamloops Blazers in 1933, provides teddy bear gifts for local, underprivileged children. Over the years, many Hockey leagues have adopted this tradition, and this was the first year that the Badgers brought this tradition to their ice rink. Fans attending the hockey game were encouraged to bring new teddy bears that they were able to throw on the ice at the end of the game. In total, 1,400 teddy bears were A Badger fan throwing his teddy bear on the ice at the tossed on the ice and donated to Toys for Tots. Badgers vs. Notre Dame Hockey game. In addition, BMO Harris donated 1,000 tickets to the game to Porchlight in Madison, Wisconsin. Porchlight is an organization that helps families with transitional housing and getting back on their feet after significant life events.

Congratulations BMO Financial Corp.!

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COMPANY OF THE WEEK

Ally Strives to Do Giving Right Ally applies its brand philosophy to “Do It Right” to everything the company does, including its corporate social responsibility efforts. Ally encourages employees to support their local communities across the United States through volunteerism and charitable contributions throughout the year. The company puts an emphasis on this in November, which was established as Giving Back Month in 2012. Since the program’s launch, Ally employees have volunteered more than 24,000 hours at local community events. In 2017, employees organized nearly 175 events in a dozen major cities across the nation.

The Ally Women’s Employee Resource Group give back at Habitat for Humanity of Charlotte.

“At Ally, we strive to make giving back an integral part of our DNA to benefit the communities where we work and do business,” said Alison Summerville, Business Administration Executive and Head of Corporate Citizenship, Ally Financial. “Our employees embrace this culture and enjoy contributing to society with a company whose values they share and where their actions count.”

Congratulations Ally Financial Inc.!

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COMPANY OF THE WEEK

Visa Foundation Makes Inaugural Grant to Women’s World Banking In October 2017, Visa celebrated the launch of the newly incorporated Visa Foundation, established as part of Visa’s larger social impact strategy to prioritize the growth of micro and small enterprises around the world, enabling individuals, businesses, and economies to thrive. To mark its inception, the Visa Foundation made its first financial commitment of up to $20 million to Women’s World Banking (WWB) aimed at supporting millions of women-owned small and micro enterprises. With the Visa Foundation’s support, Women’s World Banking will develop sustainable solutions for women entrepreneurs to build Women’s World Banking CEO Mary Ellen Iskenderian their enterprises and establish financial safety discusses the Visa Foundation’s commitment to supporting nets while also advancing leadership skills and women-owned small enterprises around the world. financial capabilities. The grant is designed to support WWB’s efforts around the world, with an initial focus in India, Mexico, Egypt and Nigeria as key markets to drive growth among lowincome, women-owned small enterprises.

Congratulations Visa Inc.!

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COMPANY OF THE WEEK

Bankoh Blue Crew Makes Big Impact

Bank of Hawaii Volunteers Helps Nonprofits Serving Veterans and Homeless On Veterans Day, during Homelessness Awareness Month, Bankoh Blue Crew employees, family and friends came together on Nov. 11, to volunteer at organizations that serve veterans, families and individuals affected by homelessness in the state of Hawaii and across the West Pacific Region. More than 300 volunteers, throughout the state and the West Pacific Region partnered with 11 nonprofits during BOH’s first bankwide Community Service Day. On Oahu, volunteers served brunch to veterans, painted, cleaned, landscaped, cleaned out garages and provided financial literacy at: Institute for Human Services, the state’s oldest, largest and most comprehensive human services organization; Kahauiki BOH Vice Chair Wayne Hamano and SVP Village, a planned development of 153 one- and twoJon Murakami paint drywall in one- and twobedroom homes for homeless families in Honolulu; bedroom homes at Kahauiki Village. Mental Health Kōkua, the oldest, private nonprofit mental health organization in Hawaii; YWCA-Fernhurst Residence, a facility dedicated to successfully transitioning women from prison back into the community; and U.S. Vets, provides military veterans and their families services including housing, counseling, career development and comprehensive support.

Congratulations Bank of Hawaii Corporation!

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COMPANY OF THE WEEK

Tory Burch Foundation and Bank of America Connect Women Entrepreneurs to Affordable Loans For Toni Ricci, owner of Elite Dance and Performing Arts Center in Los Angeles, the path to business ownership wasn’t easy. Between limited savings and a low credit score, it was hard for Toni to access capital. Toni’s story isn’t unique. In the U.S. women entrepreneurs still face challenges to getting a loan. Only 1 in every 23 loan dollars will be given to a woman-owned business. To address this issue, Bank of America and the Tory Burch Foundation formed a partnership to create the Tory Burch Foundation Capital Program, which connects women to affordable loans. Since its founding in 2014, the program has committed $50 million in affordable loans to U.S. women entrepreneurs. For women like Toni, these loans are crucial to taking their businesses to the next level.

With a loan secured through the Tory Burch Foundation Capital Program, Toni Ricci, founder and owner of Elite Dance and Performing Arts Center, was able to expand her studio space, offer more classes and serve hundreds more students.

The Tory Burch Foundation Capital Program has positively impacted nearly 1,500 women and currently operates in 16 U.S. states.

Congratulations Bank of America Corporation!

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COMPANY OF THE WEEK

Santander Bank Opens First Lending Center in Brooklyn, New York Santander Bank opened its first-ever Lending Center in Brooklyn’s Canarsie neighborhood at 1549 Ralph Avenue. The Lending Center is focused on offering home, personal and business loans and one-on-one customer support. The Center also includes a dynamic community meeting space. Santander will use this space to facilitate financial education workshops and will make the space available to local nonprofit organizations for presentations and events. During the opening, checks were presented to Neighborhood Housing Services of Brooklyn CDC and Brooklyn Generation School – two nonprofit organizations supporting the diverse needs of this Brooklyn neighborhood. Santander’s $15,000 grant to NHS Brooklyn supports the organization’s first-time home buyer program.

Santander employee Leon Gelzer, Community Mortgage Development Officer, welcomes the crowd to the grand opening of the Brooklyn Lending Center.

Santander has committed to serving low- to moderate-income communities and communities of color as part of its “Inclusive Communities” plan, which outlines the Bank’s five-year, $11 billion commitment to lending and community development. Santander’s Lending Center is part of this plan and will complement the Bank’s 20 retail branches in Brooklyn.

Congratulations Santander!

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IMPACT BY THE NUMBERS

Video Company of the Week Watch these Company of the Week Videos at fsroundtable.org/Impact2017

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IMPACT BY THE NUMBERS

Toyota Financial Services Supports Boys & Girls Club with New Backpacks Toyota Financial Services (TFS) saw an opportunity to help the parents

of The Boys and Girls Clubs of Collin County by providing students with new backpacks filled with school supplies. Watch as President and CEO of Toyota Financial Services, Mike Groff, kicks off the celebration and join over 50 TFS volunteers in local McKinney, Texas.

Over 8,000 Employees Across the Nation Volunteer on KeyCorp’s Neighbors Make the Difference Day During KeyCorp’s 26th annual Neighbor’s Make the Difference Day, the

bank closed a large number of their branches, and gave their employees

paid time off to participate in various community service activities. Watch as KeyCorp Chairman and CEO Beth Mooney talks about Neighbor’s Make the Difference Day.

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IMPACT BY THE NUMBERS

CSR 115th Honorary Congressional Host Committee FSR recognizes the leadership of the following members of Congress for their commitment to corporate social responsibility and financial literacy: United States Senate *The Honorable John Boozman (R-AR) The Honorable Richard M. Burr (R-NC) *The Honorable Benjamin L. Cardin (D-MD) *The Honorable Thad Cochran (R-MS) *The Honorable Susan Collins (R-ME) *The Honorable Michael D. Crapo (R-ID) *The Honorable Johnny Isakson (R-GA)

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*The Honorable Joe Manchin III (D-WV) *The Honorable David Perdue (R-GA) The Honorable Rob Portman (R-OH) The Honorable Tim Scott (R-SC) *The Honorable Thom Tillis (R-NC) *The Honorable Mark R. Warner (D-VA) *The Honorable Roger Wicker (R-MS)

United States House of Representatives *The Honorable Pete Aguilar (D-CA) *The Honorable Rick W. Allen (R-GA) *The Honorable Andy Barr (R-KY) *The Honorable Joe L. Barton (R-TX) *The Honorable Karen Bass (D-CA) *The Honorable Joyce Beatty (D-OH) The Honorable Jack Bergman (R-MI) *The Honorable Don Beyer, Jr. (D-VA) *The Honorable Mike Bishop (R-MI) *The Honorable Diane Black (R-TN) The Honorable Rod Blum (R-IA) *The Honorable Earl Blumenauer (D-OR) The Honorable Lisa Blunt Rochester (D-DE) The Honorable Mike Bost (R-IL) *The Honorable Brendan F. Boyle (D-PA) *The Honorable Dave Brat (R-VA) The Honorable Anthony G. Brown (D-MD) *The Honorable Michael C. Burgess, MD (R-TX) *The Honorable G. K. Butterfield (D-NC) *The Honorable Bradley Byrne (R-AL) *The Honorable Tony Cárdenas (D-CA) *The Honorable André Carson (D-IN) *The Honorable Judy Chu (D-CA) The Honorable Yvette D. Clarke (D-NY) *The Honorable William Lacy Clay (D-MO) *The Honorable Emanuel Cleaver II (D-MO) *The Honorable Mike Coffman (R-CO) *The Honorable Tom Cole (R-OK) *The Honorable Chris Collins (R-NY) The Honorable James R. Comer (R-KY) *The Honorable Barbara Comstock (R-VA) *The Honorable Gerald E. Connolly (D-VA) The Honorable J. Luis Correa (D-CA) *The Honorable Ryan A. Costello (R-PA) *The Honorable Henry Cuellar (D-TX) *The Honorable Elijah E. Cummings (D-MD) *The Honorable Diana L. DeGette (D-CO)

*The Honorable Suzan DelBene (D-WA) *The Honorable Charlie Dent (R-PA) *The Honorable Sean P. Duffy (R-WI) The Honorable Neal P. Dunn, M.D. (R-FL) The Honorable Anna G. Eshoo (D-CA) The Honorable Dwight Evans (D-PA) The Honorable Chuck Fleischmann (R-TN) *The Honorable Bill Flores (R-TX) *The Honorable Virginia Foxx (R-NC) The Honorable Trent Franks (R-AZ) The Honorable Marcia L. Fudge (D-OH) *The Honorable John Garamendi (D-CA) *The Honorable Louie Gohmert (R-TX) The Honorable Vicente Gonzalez (D-TX) *The Honorable Robert W. Goodlatte (R-VA) The Honorable Kay Granger (R-TX) *The Honorable Garret Graves (R-LA) *The Honorable Sam Graves (R-MO) *The Honorable Tom Graves (R-GA) *The Honorable Gene Green (D-TX) The Honorable Colleen Hanabusa (D-HI) *The Honorable Gregg Harper (R-MS) The Honorable Jaime Herrera Beutler (R-WA) *The Honorable French Hill (R-AR) *The Honorable Jim Himes (D-CT) *The Honorable George Holding (R-NC) The Honorable Trey Hollingsworth (R-IN) *The Honorable Richard Hudson (R-NC) *The Honorable Bill Huizenga (R-MI) The Honorable Will Hurd (R-TX) *The Honorable Hakeem Jeffries (D-NY) *The Honorable Hank Johnson (D-GA) The Honorable Mike Johnson (R-LA) *The Honorable Sam Johnson (R-TX) *The Honorable Walter B. Jones (R-NC) *The Honorable Robin L. Kelly (D-IL) The Honorable Ruben J. Kihuen (D-NV)

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The Honorable Raja Krishnamoorthi (D-IL) *The Honorable Ann McLane Kuster (D-NH) The Honorable David Kustoff (R-TN) The Honorable Doug Lamborn (R-CO) The Honorable Jason Lewis (R-MN) *The Honorable Dave Loebsack (D-IA) The Honorable Alan Lowenthal (D-CA) *The Honorable Blaine Luetkemeyer (R-MO) *The Honorable Stephen F. Lynch (D-MA) *The Honorable Carolyn B. Maloney (D-NY) *The Honorable Sean Patrick Maloney (D-NY) *The Honorable Tom Marino (R-PA) *The Honorable Doris Matsui (D-CA) The Honorable Betty McCollum (D-MN) The Honorable A. Donald McEachin (D-VA) *The Honorable Patrick T. McHenry (R-NC) *The Honorable Mark Meadows (R-NC) The Honorable Grace Meng (D-NY) *The Honorable Luke Messer (R-IN) The Honorable John Moolenaar (R-MI) The Honorable Jerrold Nadler (D-NY) *The Honorable Dan Newhouse (R-WA) The Honorable Rick Nolan (D-MN) The Honorable Donald Norcross (D-NJ) *The Honorable Eleanor Holmes Norton (D-DC) The Honorable Tom O’Halleran (D-AZ) *The Honorable Erik Paulsen (R-MN) *The Honorable Steve Pearce (R-NM) The Honorable Nancy Pelosi, House Democratic Leader (D-CA) *The Honorable Scott Peters (D-CA) *The Honorable Collin C. Peterson (D-MN) The Honorable Chellie Pingree (D-ME) *The Honorable Bruce Poliquin (R-ME) *The Honorable Aumua Amata Coleman Radewagen (R-AS) The Honorable Jamie Raskin (D-MD) The Honorable John Ratcliffe (R-TX) *The Honorable Thomas W. Reed II (R-NY) *The Honorable Phil Roe, M.D. (R-TN)

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*The Honorable Tom Rooney (R-FL) *The Honorable Dennis A. Ross (R-FL) *The Honorable Lucille Roybal-Allard (D-CA) *The Honorable Edward R. Royce (R-CA) *The Honorable C.A. Dutch Ruppersberger (D-MD) The Honorable Bobby L. Rush (D-IL) The Honorable John Rutherford (R-FL) The Honorable Brad Schneider (D-IL) *The Honorable David Schweikert (R-AZ) *The Honorable David Scott (D-GA) *The Honorable Pete Sessions (R-TX) *The Honorable Terri A. Sewell (D-AL) *The Honorable Kyrsten Sinema (D-AZ) *The Honorable Albio Sires (D-NJ) The Honorable Jackie Speier (D-CA) *The Honorable Chris Stewart (R-UT) *The Honorable Steve Stivers (R-OH) The Honorable Claudia Tenney (R-NY) The Honorable Scott Tipton (R-CO) *The Honorable Dina Titus (D-NV) *The Honorable Paul D. Tonko (D-NY) *The Honorable Norma J. Torres (D-CA) The Honorable Tim Walberg (R-MI) *The Honorable Jackie Walorski (R-IN) *The Honorable Debbie Wasserman Schultz (D-FL) *The Honorable Daniel Webster (R-FL) *The Honorable Joe Wilson (R-SC) *The Honorable Robert J. Wittman (R-VA) *The Honorable Steve Womack (R-AR) The Honorable Ted S. Yoho (R-FL) *The Honorable David Young (R-FL) The Honorable Don Young (R-AK) The Honorable Lee Zeldin (R-NY)

* Denotes previously served on committe

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CSR Leadership Awards The Corporate Social Responsibility Leadership Award shows appreciation and encouragement to the employees of FSR member companies for their commitment to volunteerism, community service, and financial literacy. All FSR member companies are eligible for the award. Criteria include: employee volunteer involvement, CSR projects, financial literacy projects, CSR monies raised and/or donated, and volunteer hours. 2017 CSR Leadership Award Recipients: Allstate Insurance Company Associated Banc-Corp Bank of America Corporation Bank of Hawaii Corporation BB&T Corporation BBVA Compass BMO Financial Corp. CIBC Bank USA Citigroup Inc. Comerica Inc. Discover Financial Services First Horizon National Corporation KeyCorp Northern Trust Corporation

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People’s United Bank The PNC Financial Services Group, Inc. Quicken Loans Raymond James Financial Regions Financial Corporation State Farm® SunTrust Banks, Inc. Synovus TD Bank Toyota Financial Services U.S. Bancorp Unum Voya Financial, Inc. Wells Fargo & Company

CSR LEADERSHIP AWARDS

Rep. Lee Zeldin, Bridget Hogan, Government Relations Sr. Analyst at Allstate Insurance Company, Jeff Williams, Director, Federal Legislative and Regulatory Affairs at Allstate Insurance Company, & Jon Van Arsdell, Senior Consultant, Federal Legislative & Regulator Affairs at Allstate Insurance Company

Rep. Gwen Moore and Jill Wiess, VP Corporate Social Responsibility at Associated BancCorp

Wynne Lum, Senior Vice President, Bank of America Charitable Foundation at Bank of America Corporation, and Rep. Robert Pittenger

Sharon Jeffries-Jones, Executive Vice President, Director of CRA and Community Development Management at BB&T Corporation, and Rep. Virginia Foxx

Denise Romero, Corporate Citizenship & Reputation - Community Relations Specialist at BBVA Compass, and Rep. Terri A. Sewell

Mary Kenney, Government Relations Manager, Chicago, at BMO Financial Corp., and Rep. Bill Foster

Beth Witczak, Head of CRA Strategy and Community Impact at CIBC Bank USA, and Rep. Bill Foster

Hala Farid, Senior Vice President, Citi Community Development at Citigroup Inc., and Rep. Carolyn Maloney

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CSR LEADERSHIP AWARDS

Patricia McCann, Vice President, Diversity & Inclusion, National Employee Volunteer Program Manager | Corporate Human Resources at Comerica Inc. and Rep. Roger Williams

Tim Pawlenty, President and Chief Executive Officer at FSR, Jennifer Grisamore, Manager, Community Affairs at Discover Financial Services, Matt Towson, Senior Manager, Community Affairs & Media Relations at Discover Financial Services, and Alyse Simpson, Project Manager, Community Affairs at Discover Financial Services

Rep. David Kustoff and Kim Cherry, EVP of Corporate Communications at First Horizon National Corporation

Don Graves, Senior Director of Corporate Community Initiatives and Relations at KeyCorp, and Rep. Steve Stivers

Rep. Bill Huizenga and Jamie Jones Ezefili, Vice President Corporate Social Responsibility at Northern Trust Corporation

Timothy Hodges, Vice President - Government Relations at People’s United Bank, and Rep. Jim Himes

Rep. Charlie Dent and Richard Bynum, PNC Regional President at The PNC Financial Services Group, Inc.

Pete Carroll, Executive Vice President, Mortgage Policy and Counterparty Relations at Quicken Loans, and Rep. Bill Huizenga

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CSR LEADERSHIP AWARDS

Rep. Rick Allen and Blake Earley, Regions Financial Corporation

Warren Wright, Senior Vice President of Investments and Chesapeake Complex Manager at Raymond James Financial, and Rep. Dennis A. Ross

Michael Wang, Area Vice President State Farm®, Rep. Bill Foster, and Bill Blumenthal, Government Affairs Director - State Farm Insurance at State Farm®

Rep. Roger Williams and Vince Zito, Vice President Corporate Communications at SunTrust Banks, Inc.

Brian Holbrook, Deputy General Counsel & Chief Ethics Officer at Toyota Financial Services, Rep. Dina Titus, Damion Tucker, Community Relations Sr. Administrator at Toyota Financial Services, & Ray Specht, Corporate Manager Legislative & Industry at Toyota Financial Services

Rep. Carolyn Maloney and TD Bank Representatives

Rep. Tom Emmer and Ashley Winfree, PAC Director and Communication Specialist at U.S. Bancorp

Sean Cassidy, VP, Federal Government Affairs at Voya Financial, Inc., and Rep. Carolyn Maloney

Sanders L. Adu, Director, Federal Government Relations at Wells Fargo & Company, and Rep. Joe Wilson

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Partner of the Week CSR collaborates with seven national nonprofit partners. Each of these nonprofit partners not only work to provide basic needs to underserved populations, but to empower Americans for a brighter future through financial literacy. Each Partner of the Week͟ feature provides an example of the great work these organizations do every day across the country often with FSR member companies.

NonProfit Partners Jump$tart Coalition Junior Achievement USA® Operation HOPE, Inc. SER- Jobs for Progress National, Inc. Society for Financial Education and Professional Development, Inc. (SFE&PD) Women’s Institute for a Secure Retirement (WISER) Working in Support of Education (w!se)

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PARTNER OF THE WEEK

Operation HOPE Marks 25 Years of Financial Empowerment Services for the Underserved Since 1992, Operation HOPE has been moving America from civil rights to “silver rights” with the mission of making free enterprise and capitalism work for the underserved—disrupting poverty for millions of low- and moderate-income families across the nation. HOPE’s mission connects the legacy of the Freedman’s Bank, established by President Abraham Lincoln more than 150 years ago to integrate all Americans into our nation’s economic life, and the second part of Dr. Martin Luther King’s integration dream—the integration of the dollar, under the banner of “silver rights”—rights to ﬁnancial literacy, access to capital, and equity of opportunity, for all. Through the HOPE Inside model, which received the 2016 Innovator of the Year recognition by American Banker, Operation HOPE has served more than 2.8 million individuals and directed more than $2.7 billion in economic activity into disenfranchised communities. The work of HOPE is transforming lives and uplifting communities.

Congratulations Operation HOPE, Inc.!

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PARTNER OF THE WEEK

April is Financial Literacy Month April is Financial Literacy Month. With the support of the Financial Services Roundtable, Junior Achievement (JA) produced a series of videos featuring the “JA Kid Professor,” a six-year-old JA student who shares her thoughts on financial concepts, which debuted in April 2017. Subjects covered in the videos included saving for retirement, starting a business and making informed decisions while shopping. The videos premiered during Financial Literacy: Why Media Matters, a forum held at the Financial Services Roundtable headquarters in Washington, DC during Financial Junior Achievement USA President Jack Kosakowski shares how JA is Literacy Month. In addition to using media to engage students during the FSR event in April. unveiling some of the videos at this event, Junior Achievement USA President Jack Kosakowski shared with attendees how JA is using media, such as video, to help students and their parents better understand financial concepts.

Congratulations Junior Achievement USA®!

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PARTNER OF THE WEEK

Creating STEM Opportunities For The Next Generation Few fields are more important to the future than STEM (Science, Technology, Engineering, and Math), and few show as much promise for career opportunities. STEM careers are some of the highest paying and fastest growing in the U.S., yet minorities are underrepresented in majors that lead to careers in these high demand fields. To address this situation, SER National created programs that aim to increase opportunities for disadvantaged students in STEM fields. These programs establish a pre college, academic enrichment approach to attract disadvantaged middle and high school students, with an emphasis on girls, to college STEM courses by using a hands on approach. High School Students at SER National Conference - Robotics

The recruitment plan includes in-school competition. orientations and presentations, STEM and Robotics clubs, as well as the use of marketing tools. Participating students engage in hands-on robotics activities, including a robotics and drone competition. In addition, students attend presentations on financial literacy, helping them plan for the cost of their robots.

Congratulations SER- Jobs for Progress National, Inc.!

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PARTNER OF THE WEEK

WISER’s iOme Challenge Project Hosts Multi-Generational Dialogue About Retirement

iOme Challenge winner Jerrid Burdue (right) discusses his winning essay at last year’s forum.

The Women’s Institute for a Secure Retirement (WISER) hosted the winners of the iOme Challenge competition at a forum in Washington, DC in June. The iOme Challenge encourages students to challenge status quo thinking about retirement and propose policy recommendations. Teams explored one the biggest obstacles millennials face in saving for retirement–student loan debt. The Challenge question asked teams to develop policy proposals that will ease the burden of college debt and offer ideas for incentives to ensure earnings are redirected into retirement savings. The forum, The Millennial Perspective: An Intergenerational Discussion on Retirement Solutions will also include keynote speakers, panels of experts and congressional staff leaders.

Congratulations Women’s Institute for a Secure Retirement (WISER)!

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PARTNER OF THE WEEK

Redskins Rookies Turn to Thomas G. Pullen Middle-Schoolers for Money Advice The Washington Redskins 2017 rookies got a lesson in the importance of budgeting as they joined forces with Thomas G. Pullen Creative and Performing Arts Academy students at JA Finance Park Prince George’s County. While more than 9,000 Prince George’s County Public Schools students go through the financial management program each year, the Redskins rookies and Pullen Middle School students utilized a modified version of the program for a crash course in financial literacy. Roles were reversed as student The Washington Redskins 2017 rookies pose for a group photo with graduates of the program became teachers, and paired up with rookies the group of Thomas G. Pullen Creative and Performing Arts Academy students at JA Finance Park Prince George’s County in Landover, MD. to help them navigate through different scenarios based on a unique career, salary and life situation. This partnership not only allows the rookies class to reinforce good money habits, but also allows for the students to expand their leadership skills and experience the simulation from a different point of view.

Congratulations Junior Achievement of Greater Washington!

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PARTNER OF THE WEEK

A Trusted Leader in the Financial Education Field As a trusted leader in the financial education field, The Society for Financial Education and Professional Development, Inc. (SFE&PD) has broadened its footprint through innovative financial literacy programs impacting thousands of individuals, including college students, in communities nationwide. SFE&PD launched the SFE&PD Student Ambassadors Program providing financial literacy training to college “student ambassadors” at selected universities. Student ambassadors learn At the Ninth Annual Financial Literacy Leadership Conference, Elizabeth Ortiz, Deputy Director, Consumer and Community Affairs about personal money management, at the Federal Deposit Insurance Corporation received the SFE&PD credit, student loans, public relations, Eagle Award and Dr. Art McCoy, Superintendent of the Jennings marketing, and advocacy. In turn, the School District, received the SFE&PD Community Service Award. student ambassadors gain leadership skills and initiate campus-wide financial education workshops, peer-to-peer counseling, and financial literacy events. In addition to teaching people of all ages and backgrounds customized personal money management, SFE&PD celebrated the 10th anniversary of its Annual Financial Literacy Leadership Conference in fall 2017. Over 200 financial educators, policy experts, and other professionals attended as financial literacy milestones and achievements were showcased, and new information on sharpening personal financial management skills was shared.

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PARTNER OF THE WEEK

W!SE Holds National MoneyPOWER Conference for Personal Finance Educators Working in Support of Education (w!se) held its 15th MoneyPOWER Conference in NYC in November. The conference provides an opportunity for middle and high school teachers to deepen their knowledge of personal finance. Notable speakers included best-selling authors Helaine Olen and Jordan Goodman. For the first time, w!se offered site visits to financial institutions including FSR members Capital One and Wells Fargo. Workshops included engaging presentations on: storytelling to teach personal finance; tax strategies for building wealth; paying for college; and Exchange Traded Funds. Blue Star School Award Recipients at the 15th National MoneyPower

w!se also celebrated the exceptional Conference. achievements of schools and teachers who participate in its Financial Literacy Certification program. This award-winning national initiative, offered in 48 states, improves lives by helping students graduate with the knowledge and skills critical to a life of financial wellbeing. Students can also become Certified Financially Literate and earn w!se’s coveted CFL™ credential if they pass w!se’s Financial Literacy Certification Test.

Congratulations Working in Support of Education (w!se)!

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PARTNER OF THE WEEK

Jump$tart Coalition National Educator Conference Sells Out The Jump$tart Coalition, a national nonprofit coalition of 150 organizations, for the 9th year hosted its National Educator Conference (NEC), which brings together educators from across the country. This year, teachers represented nearly every state and students from elementary school to post-secondary. What’s also significant about NEC is that through the teachers thousands (41,000 in fact) of students gain more personal finance knowledge each year. 2017 was the first time the conference sold out. NEC had to be capped at 300 teachers. The conference underwriters – Wells Fargo and Experian – as well as dozens of sponsors make the event possible.

Jacqueline Howard, Senior Director of Corporate Citizenship shares Ally Financial’s new children’s book during the National Educator Conference Exhibit Hall. The exhibit hall gives teachers two uninterrupted hours of talking with resource providers and getting all the samples they can – often to share with teachers who weren’t able to attend.

Each year, teachers walk away from the conference feeling energized, carrying countless resources and having access to a new network of teachers who also are dedicated to teaching personal finance. The conference’s 10th anniversary, NEC will take place in Cleveland, Ohio, Nov. 3-5.

Congratulations Jump$tart Coalition!

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Remembering Robert G. Wilmers

Chairman and CEO, M&T Bank Corporation

1934 - 2017

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The FSR Foundation is committed to improving the financial literacy of Americans of all ages. We promote the importance of saving for retirement and empowering people to make better financial decisions to elevate their wellbeing. The FSR Foundation provides funding through three initiatives: FSR Foundation Awards Each year two organizations that provide outstanding achievements in promoting financial literacy are honored with the FSR Foundation Award. To help advance their mission, they are provided major grants and given a platform to showcase their vision and impact to all FSR member companies. In 2017 the FSR Foundation awarded one grant of $10,000 to FSR Corporate Social Responsibility national non-profit partner, Working in Support of Education (w!se), which is dedicated to improving lives by developing financial literacy and readiness for college and the workplace. w!se initiatives focus on relevance, real-world experiences, strong partnerships, volunteerism and assessment while striving to reach low- to moderate-income communities across the country through their financial literacy certificate program. The Resurrection Project was also awarded one grant of $10,000. The Resurrection Project builds relationships and challenges individuals to act on their faith and values by creating community ownership, building community wealth, and by serving as stewards of community assets. This includes Community Wealth Building programs which create financial empowerment through financial education and one-on-one counseling.

A. A. Left to right: Eric Hoplin, president of the FSR Foundation, and Phyllis Frankfort Perillo, founder, president and CEO of w!se, and Judy Chapa, board member and secretary of the FSR Foundation and vice president of CSR at FSR, and David J. Anderson, executive vice president of w!se with a FSR Foundation Award.

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FSR Chairman, Student Scholarships Promoting student education in financial services and business has long been a priority of the FSR Foundation. Each year, the Chairman of FSR is recognized as a thank you for their voluntary service by awarding a large scholarship in their name to a school of their choice. The selected school distributes the scholarship to worthy students studying in the areas of business, finance, or economics. Past schools include: Stanford University, Southeastern University, University of Georgia, Johns Hopkins University, Rutgers University, University of Scranton, Harvard University, University of Utah, Carnegie Melon University, Weslyan, Drake and Northwestern.

Charitable Giving The FSR Foundation supports the charitable and corporate social responsibility priorities of FSR member companies by providing donations to augment their giving. These donations are typically only given at the request of an FSR member company. The FSR Foundation raises funds from FSR member companies on an annual basis to support these initiatives.

B. Left to right: Eric Hoplin, president of the FSR Foundation, and Raul Raymundo, CEO of The Resurrection Project, and Judy Chapa, board member and secretary of the FSR Foundation and vice president of CSR at FSR, with a FSR Foundation Award. C. Eric Hoplin, president of the FSR Foundation.

FSR Foundation Board Members

FSR Foundation Staff

Jim Rohr Former chairman and chief executive officer, The PNC Financial Services Group, Inc.

Eric Hoplin President of the FSR Foundation and executive director, Financial Services Roundtable

Tom Watjen Chairman, Unum

George Forsberg Treasurer of the FSR foundation and chief financial officer, Financial Services Roundtable

Judy Chapa Board member and secretary of the FSR Foundation and vice president of CSR, Financial Services Roundtable

Amanda Parry Project manager of the FSR Foundation and executive assistant and office administrator, Financial Services Roundtable

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Financial Services Roundtable 600 13th St. NW, Suite 400 Washington, DC 20005 www.fsroundtable.org/csr-mission Financial Services Roundtable ÂŠ2018