CORPORATE GOVERNANCE

Tone At The Top

Our Board of Directors and management team lead by example, bringing a wealth of knowledge and experience with them each day. This experienced team collectively provides sound guidance that fuels our operating model, including local leadership and local decisions in every market we serve. We maintain a strong corporate governance framework to ensure adherence to effective policies, accurate and timely reporting and ethical business standards. The result is an environment that allows us to strive for integrity in everything we do.

The Essentials

We have strong risk management practices, including the 3 Lines of Defense methodology.

1ST LINE

• We identify & manage risks.

2ND LINE

• We establish the Risk Appetite Tolerance and ensure it’s managed effectively throughout the enterprise.

3RD LINE

• We provide independent assurance to the bank’s board and regulators regarding the effectiveness of the risk management framework.

• Our board-level committees then oversee decision making for key lines of business.

• Our management-level committees provide operational and risk oversight throughout the enterprise.

OUR COMBINED HBI & CENTENNIAL BOARD EXPERIENCE TOTALS

459 YEARS of Director and Operator Experience.

OUR COMBINED MANAGEMENT TEAM EXPERIENCE TOTALS

189 YEARS of Banking Experience.

OUR REGIONAL BOARDS ARE

13% WOMEN