Climber Monthly March 2019

Bank of the Sierra?sClimber Monthly | March 2019

TEST YOUR FINANCIAL IQ

HEALTH INSURANCE ENROLLMENT

WHERE TO VOLUNTEER

VALENTINE'S DAY CELEBRATIONS

PLUS : PETS, SIERRA GRANTS, YOU'RE A STAR, THE QUIZ, & SOMEBODY GOT MARRIED!

BANK NEWS

Congratulations!

Barbara Doane got married on February 16!

BANK NEWS

Valentine's Day

Br anch 13 Fr esno Palm

Br anch 40 Woodlake

BANK NEWS

Branch 11 wished Thomas Davis a wonderFOIL bir thday!

Br anch 11 Hanfor d

Branch 11's gift display

BANK NEWS

Snow Day in Tehachapi!

Br anch 21 Tehachapi Main

BANK NEWS

February's Pets of the Week

Maver ick & Bennie

Nova

Olive

Ruper t

NOTE: Select ions are chosen at random .

If you subm it a pict ure of a pet at one of our branches t hat makes our Pet post on Facebook , you w ill receive a f ree gif t card. If you subm it a video, you w ill receive t wo gif t cards!

BANK NEWS

Bank of the Sier r a's CLIMBERClassi f ieds Do you have somet hing f or sal e? Bef ore you t ry eBay or Craigsl ist , t ry CLIMBER Cl assi f ieds! Just send Market ing a short descript ion and phot o of t he i t em, al ong wi t h your price and cont act inf o f or t he buyer. Pl ease l imi t your communicat ion about any cl assi f ied ads t o l unch breaks or af t er work hours, and l et Market ing know once your i t em has sol d. YOURAD HEREFOR FRE! Old Faces in New Places

Did you recent ly move t o a di f f erent branch or depar t ment or t o a new posi t ion? Let us know !

SIERRA GRANTS

Have a Hear t Humane Societ y

Grant paid for three clinics and spay& neuter project

Fr iends of t he Kings Count y Librar y

Summer ReadingProgram eventsbring kidsto libraries

Redwood Assist ance Project Instruments for high school band and music program

SIERRA GRANTS

Assist ance League of Visal ia RainbowReading program givesbooks to students

Sant a Pau la Ar t Museum

ArtSpark program provides hands-on student education

El Cam ino Homeless Or gan izat ion Providesshelter to hundreds

SIERRA GRANTS

Abundant Li f e Ranch received a $5,000 Sierra Grant in the f i r st quar t er of 2018 , about a year ago. The non-profit used the grant to boost its 90-Minut e Session Program , which serves disadvantaged, abused, and at-r isk children. It teaches healthy relat ionship skills based on communicat ion, trust , and respect , while engaging part icipants in horse care, ranch chores, and act ivit ies. Here are a couple st or ies about k ids t he program has helped.

Em ily and her grandma, Judy, talked about Emily?s personal new growth through her time at the ranch. Judy said, ?When I first got Emily she wouldn?t smile or look people in the eye. During her time here at the ranch, I?ve seen Em ily?s self conf idence increase and she?s get t ing bet t er at look ing people in t he eye. And she definitely smiles when she?s here.?Emily said, ?I like the horses because they?re all different. Some are harder than others. And coming here gives me self confidence.?

Frank ie * is continuing to progress in our program with a number of visits. He is now riding a horse on his own. Frankie is a quiet young man, who lights up when he?s at the ranch working with the animals. During his last visit he was given the opportunity to ride a new horse. This horse is very sensitive and one that Frankie has made a

special bond with. Even if he wasn?t riding this horse, he?s always ask for the opportunity to groom her. When we asked him if he?d like to try riding her, his face lit up with an ear-to-ear grin. When he began riding her he lost his confidence. This was evident in the fact that the horse wasn?t following his cues, and going her own way. We stopped and chatted about Frankie being the leader just like he was with the previous horses. It was a new horse (setting) but all that he had learned before still applied. He asked the horse to walk forward, but this time he began his cues early and clearly. She immediately began to respond and they were able to successfully complete the task before them. Frankie once again had a smile that couldn?t be hidden. A smile that said, ?I can do it! I am successful! I do have the ability to do this.?The adult who had brought him said, ?Through h is t ime at t he ranch, Frank ie is realizing he is a leader . And a successf u l one at t hat .?

* name has been changed to protect the child

Want to help at Abundant Life Ranch?Visit abundant l i f eranchca.com / volunt eer .

SIERRA GRANTS

Int erest ed in volunt eering? Consider t hese Sierra Grant recipient s:

Fresno County Tul are County Kern County Kern County Kings County Kern County SLO County Tul are County SLO County Ventura County SLO County Ventura County LA County SB County

Assist ance League of Visal ia assistanceleague.org/ visalia/ volunteer Bar n Theat er Ch i ldren's Program mshaw@portervilleschools.org (Mary Shaw, Children'sDirector)

Boys & Gi r ls Clubs of Ker n Count y bgclubsofkerncounty.org/ways-to-support Second Chance An imal Shel t er of Selma 2ndchanceanimalshelter.org/ volunteer

Fr iends of Mercy Foundat ion Toni.dougherty@dignityhealth.org, (Toni Harper Dougherty, VP of Philanthropy) 661-663-6700

Val ley Ach ievement Cent er autism-vac.org/how-to-help/ volunteer-opportunities

Vent ura Col lege Foundat ion (805) 829-6461, vcgiving.org Sant a Pau la Ar t Museum santapaulamuseum.org/ volunteer San Lu is Obispo, ALPHA, Inc. ppsslo.org/how-can-i-help/ volunteer RISESan Lu is Obispo Count y riseslo.org/ volunteer.php El Cam ino Homeless Or gan izat ion echoshelter.org/ volunteer Fr iends of t he Kings Count y Librar y kingscountylibrary.org/ friends

TheAccelerat ed Academ ic Program f or Leader sh ip andEnr ichment (AAPLE)

(805) 967-4581 ext. 5583, aaple@smhsaaple.com, aapleacademy.com

Boys & Gi r ls Club of Sant a Clar i t a Val ley scvbgc.org/ volunteer

HUMAN RESOURCES

Out l iving your savings: How t o avoid a ret i rement t hat runs short Planning for a long ret irement can make saving enough feel daunt ing. But even some simple steps now can help ensure you have the funds needed to enjoy your ret irement , worry-f ree. Tips f or saving f or ret i rement Be proact ive about preserving? and increasing? your savings for ret irement with these t ips: Visual ize your ret i rement . Put your ret irement savings into context by thinking about your l ifestyle and the things you'd l ike to accompl ish once you ret ire. "We begin our discussions by get t ing people to visual ize their ret irement ," says Michele Kocak, Vice President of Ret irement Services for Independent Benef it Services in Rockvil le, MD. "Whether their goals are to t ravel , downsize their l ifestyle, or pay for their grandkids' col lege, it 's easier to develop a plan when you visual ize something." Eval uat e your asset s. Take a look at the available assets you ant icipate having for your ret irement to get a clearer picture of your f inancial situat ion. Keep in mind that looking at ret irement savings as a lump sum can somet imes be deceiving. Kocak says it 's always benef icial for cl ients to look at their savings f rom the perspect ive of how much monthly income they may have available. Keep f uel ing your savings. Even if ret irement is just around the corner, it can help to cont inue aggressively funding your ret irement . "Save as much as you can while you're st il l employed," Kocak says. "Maximize your cont ribut ions to help take ful l advantage of your abil ity to save in your employer-sponsored ret irement plan.?

HUMAN RESOURCES

Cont inue working. If you enjoy your current job, consider put t ing of f ret irement for a year or two to help boost your savings. Once you ret ire, you might choose to work a part -t ime job so your ret irement savings have the potent ial

to cont inue growing. Pl an prudent l y.

Because ret irement is a new experience, it?s uncharted territory. It can be a good idea to seek the assistance of a f inancial professional to help reduce the risks of out l iving your savings. "For example, it 's very common for new ret irees to take out too much too soon," Kocak says. "But you need to careful ly manage withdrawals to help your savings last ." A f inancial professional can go over your opt ions, including helping you develop a ret irement budget that can help you l ive within your means. Your plan for ret irement may include delaying Social Security benef its to increase the amount you receive, or you might invest a port ion of your savings in an annuity product to guarantee an income st ream throughout your later years. * Adjust your expect at ions. If you?re unable to save enough for the ret irement you envision, you might need to reset your expectat ions. "Some people think they make up for lost t ime by invest ing dif ferent ly as they near ret irement , but that 's not as prudent of an approach," Kocak says. "It 's bet ter to reset expectat ions, such as ret iring at 67 instead of 65, or going out to dinner 2 rather than 3 t imes a week." To help you stay on t rack and reduce the chance for f inancial surprises, review your plan for ret irement at least annual ly, or as signif icant events occur before and af ter you ret ire. * Guarantees are based upon the claims-paying ability of the issuing insurance companyNeither the principal amount nor the underlying assets of target date funds are guaranteed at any time, including the target date. Investment risk remains at all times.

HUMAN RESOURCES

401K M at ch On Febr uar y 21,Bank of the Si er r a?s Boar d of Di r ector s appr oved a match of 75%on the f i r st 6%of con t r i but i ons for the 201x 401K Pl an Year. The total cost of pr ovi di ng the match i s $933,578. Th i s match was possi bl e because your har d wor k made 2018 a gr eat year for Bank of the Si er r a! Thank you!

HUMAN RESOURCES

Open Enrol lment for Medical , Dent al , & Vision

Employees can now log into the Paycom HR Por t al to enroll or make changes to Medical, Dental, and/or Vision plans. You have unt il March 31st to enroll in benefits through Paycom. (You will need to enroll in a Medical Plan to enroll in Dental and/or Vision) and it will need to match all across ( Ex: Employee Only for Medical, Dental and Vision. ) Fresno, Bakersfield, and SoCal areas are eligible for Kaiser. All other areas will fall under Anthem Blue Cross. You can find more informat ion on our insurance on the intranet , which is located on the bot tom left side under the Documents Menu>Reference Guides>Insurance Informat ion . Your enrollment and changes will be effect ive Apr il 1st , 2019. If no changes are being made, no further act ion is necessary. However, please go into Paycom to ver ify that your benefits coverage are correct . Keep in mind that Life and AD&D is provided by the Bank free of cost . If you have not already done so, please assign your beneficiar ies to those plans under "My Current Benefits." Click on the pencil next to the Life Plans to edit and assign your beneficiar ies. ( Ant hem Blue Cross Li f e, Ant hem Blue Cross AD&D, Lincoln Li f e, and LTD - Please do not decline these policies ). Feel free to contact the Human Resources Department if you have any quest ions or need any assistance. Please check out the intranet post t it led " At t n: Al l Employees. It'sOpen Enrollment for Medical, Dental, and Vision " to download a PDFwith 2019-2020 contr ibut ion rates and more health plan informat ion.

COMPLIANCE

Cust omer Due Di l igence Benef icial Ownership Rul e

On May 11, 2016, FinCEN issued the Customer Due Dil igence (CDD) Rule to amend exist ing BSA regulat ions in order to clarify and st rengthen customer due dil igence requirements in an ef fort to enhance f inancial t ransparency and help safeguard the f inancial system against il l icit use. The ef fect ive date of the rul ing was July 11, 2016, but the requirements were not mandatory unt il May 11, 2018. The ef fect ive date for Bank of the Sierra was May 2, 2018. The Customer Due Dil igence (CDD) Rule out l ines expl icit customer due dil igence requirements that wil l improve a f inancial inst itut ion?s abil ity to assess and mit igate risk, monitor accounts, and determine suspicious act ivity more ef fect ively. The CDD rule also indicates that due dil igence must be updated for exist ing customers on an ?event driven basis?during the course of normal monitoring. These events include: opening a new account , reviewing unusual act ivity, and complet ing maintenance on exist ing accounts. The regulatory def init ion of an account includes: a deposit account , a t ransact ion or asset account , a credit account , or other extension of credit , and safe deposit box accounts. The CDD Rule also imposes a new requirement for f inancial inst itut ions (FIs) to ident ify and verify the ident it ies of benef icial owners of legal ent ity customers. These customers include corporat ions, LLCs, General Partnerships, and Limited Partnerships. A legal ent ity customer does not include sole proprietorships, unincorporated associat ions, t rusts, or natural persons opening accounts on their own behal f .

COMPLIANCE

Benef icial owners are def ined by a 25% ownership prong- any natural person with 25% or more ownership stake in a company (whether direct ly or indirect ly), or cont rol prong- any natural person with signif icant cont rol or responsibil ity for managing a legal ent ity business. FIs are required to ident ify and verify these individuals at the t ime a new account is opened by having an appropriate representat ive of the legal ent ity customer complete the benef icial ownership Cert if icat ion Form included in Appendix A of the regulat ion. Ret roact ive col lect ion of benef icial ownership informat ion is not required. It is only required on new accounts opened on May 11, 2018, going forward, and on an ?event -driven basis,? for exist ing customers. Due dil igence and benef icial ownership documentat ion is required to be retained for f ive years af ter account closure and f ive years af ter the record is made. CDD and Benef icial Ownership oversight test ing wil l be completed monthly. Any f indings wil l be communicated to each branch, and wil l require a response f rom a manager and that correct ions be made, as necessary. Please forward any quest ions to the BSA Department . There is an FAQ available on the Int ranet under Reference Guides, Benef icial Ownership for further reference.

COMPLIANCE

Older Americans are at risk for losing more money than ever, thanks to a rise in financial exploitation targeting the elderly. Financial scams and other crimes singling out older Americans quadrupled from 2013 to 2017 and involved more than $6 billion in fraud, according to a new report from the Consumer Financial Protection Bureau. The report examined 180,000 Suspicious Activity Reports (SARs) filed to the federal government by banks and other financial services providers. In 2017, 63,500 such reports were filed, representing more than $1.7 billion in suspicious activities that year alone, up from 15,600 reports and just under $600 million in 2013. Suspected El der A buse Cl aims Quadrupl ed i n 4 Years ? Here's What to Know and How to Protect Your Loved Ones - by Alix Langone, Money/Yahoo!Finance

SARs are a way for financial services providers to notify government agencies and law enforcement of suspected financial crimes, and they are mandatory when a suspicious transaction involves at least $5,000 (or $2,000 for money services firms such as money order businesses check cashers and currency dealers).

Americans aged 70 to 79 suffered the greatest individual financial losses, at an average of $45,300. Overall, the average amount lost across all older age groups was more than $33,000, but that number jumped to $50,000 when the theft was being committed by someone the person knew, according to the report. If a stranger was involved, the average loss was $17,000. One third of the adults who lost money were 80 years-old and over, and they experienced the second highest average losses at $39,200. Financial exploitation can happen to anyone, but older adults are more vulnerable to money schemes due to issues that disproportionately affect

COMPLIANCE

them, such as cognitive decline, social isolation, being dependent on a caregiver or experiencing financial insecurity themselves. But many of the financial crimes against older Americans go unreported, with financial institutions failing to report the abuse to the proper authorities, the CFPB says, creating a missed opportunity to better protect seniors. The CFPB report estimates that more than 3.5 million instances of of elder financial abuse took place in 2017 alone. One of the most common ways fraudsters ask older Americans to send them cash is by wire transfer ? transactions that can?t be reversed ? meaning the senior who was tricked can never get his or her money back. More than half, or 58%, of SARs reports in 2017 were filed by money services businesses, which are frequently used to facilitate wire transfers, compared to just 15% in 2013, according to the report. To avoid be taken advantage of by a family member or a stranger, the CFPB recommends some basic steps you can follow to protect yourself or a loved one. - Plan ahead to take on power of attorney for a loved one who develops cognitive decline, or determine a trusted fiduciary who will do so. - Secure private financial documents, monitor bank accounts, set up automatic payments and transaction alerts, and request receipts from designated caregivers. - Do not let caregivers pay bills or use the potential victim?s credit card. - Do not promise money to caregivers or family members after your death. - Be wary of anything that seems ?too good to be true?when it comes to investments, and be aware of Ponzi schemes. - Understand FDIC insurance to know how you are protected. - Avoid lottery, charity and phantom debt scams. Be aware of medical and mortgage scams, too. - Never give money to people over the phone. For example, the IRS never asks for payment over the phone, so if you receive a call from someone saying it is the agency, hang up and call back on your own. - Report any kind of fraud you encounter immediately. If you believe you or someone close to you has been the victim of elder financial fraud you can report it to the Federal Trade commission here, or find your local adult protect services (APS) agency via the Eldercare Locator.

COMPLIANCE

Test Your Financial IQ Testing your financial knowledge is something you should do all year round. To help you figure out which topics you have down pat, and which need a little refresher, the Federal Deposit Insurance Corporation (FDIC) has developed this quiz that covers some of the basics, like money management, FDIC deposit insurance, building a credit history and avoiding fraud. You can learn more about each topic by checking out articles in FDICConsumer News (our online newsletter) and other resources cited in each answer. Do you think you?ve got what it takes to ace our quiz? Note your answer for each question, then look at pages 22-24 for the answers and more information about the scenario. 1. If you?re struggling with debt and you think you won?t be able to make a loan payment, which of the following would f inancial advisors likely say you should do? a. Immediately contact your lender b. Immediately contact a reputable credit counseling service 2. College students and other young adults need to be careful when choosing and managing their f irst credit cards. Which of the following is the best advice for building a good credit history? a. Put as many of your expenses as you can on your credit card. b. Keep account balances low by spreading purchases among multiple credit cards instead of just one or two cards. c. Only use your credit card for purchases that you can pay off in full each month. d. Avoid a credit card that?s co-signed with a parent because it implies you have problems managing money. c. Either of the above d. None of the above

COMPLIANCE

3. Which one of the following accounts is NOT recommended for short-term savings goals like going on vacation, paying for a wedding, or buying birthday or holiday gif ts? a. Regular savings accounts, including passbook accounts b. Retirement accounts c. Money market deposit accounts (MMDAs) d. Certificates of deposit (CDs) 4. Which of the following are NOT insured by the FDIC? a. The contents of a safe deposit box b. Losses due to fraud or theft at a bank or other financial institution c. Stocks, bonds and mutual funds d. All of the above 5. Suppose your credit card is lost or stolen. You notify your card issuer immediately, but by then, a thief has already used it to make a bunch of unauthorized purchases. Under federal law, what?s the maximum amount you can be held liable for? a. $50 6. Thieves of ten create fake retail websites to trick consumers into providing personal information that can be used to steal money. Which one of the following should you look for on a website to ensure that it is legitimate and secure? a. A symbol of a padlock and the letters ?https?at the beginning of the URL (the website?s address) b. The padlock symbol and the letters ?http,?with no ?s?before the URL c. The padlock symbol and the letters ?secure?before the URL d. The company logo, which is protected from fraudulent use by trademark laws b. $100 c. $250 d. $500

COMPLIANCE

7. Interest charges on credit cards, loans and other debts can be expensive. Which one of the following strategies are experts most likely to recommend? a. Pay off the debts with the highest interest rate first. b. Pay off the debts with the smallest balances first. c. Send in an additional $25 or $50 when you pay your loan or credit card bill each month. d. All of the above. 8. If you have a federal tax refund coming, you can direct the IRS to put some of your refund into savings. Which of the following CANNOT be done for you by the IRS? a. Make a direct deposit to more than one checking or savings account. b. Purchase a U.S. Savings Bond for yourself or someone else. c. Make an extra payment to your credit card issuer or your mortgage lender to reduce the balance you owe. d. Deposit your refund onto a prepaid debit card. immediately. Lenders generally prefer to work with customers to find a solution that benefits both parties, so ask for their help, preferably before you miss a payment. With your mortgage, it?s especially important to contact your lender or its loan servicer quickly to ask what can be done to keep your home. Credit counseling organizations also can help you consider various options for repaying your debt, but you will still need to contact your lender to accept a proposed solution. For information about choosing a reputable credit counseling service, visit the Federal Trade Commission (FTC) website (www.consumer.ftc.gov). For more tips, see the FDICConsumer News article Weighed Down by Debt? How to Ease the Load. 2. ANSWER: C Charge only what you can pay off the following billing cycle. As long as you pay the card balance in full by the payment due date each month, you won't be charged interest fees. In addition, by making regular, on-time payments, you?ll be building a strong credit history, which can help you down the road if you ever want to buy a car or a home. For more information about building a credit history, see Finance 101 and A Crash Course for Young Adults Starting to Face the Financial Jungle. Quiz Answers 1. ANSWER: C If you think you can?t make a loan payment, you should contact your lender

COMPLIANCE

3. ANSWER: B If you are saving for the short term, don?t put those funds in a retirement account (like an IRA). Retirement accounts are primarily intended for long-term savings goals since withdrawal restrictions apply until age 59½. Instead, experts generally recommend that you use a low-risk account (usually those not likely to lose money) that allows you to access your funds easily. These typically include regular savings accounts, which allow you to deposit or withdraw funds at any time; money market deposit accounts, savings accounts that allow you to write a limited number of checks each month; and certificates of deposit, accounts that require funds be kept for a set period (from three months to five years), but may allow you to take money out beforehand if you pay an early withdrawal penalty. For more information about choosing and using savings accounts, see Savings Are Great for Short-Term Goals Too. 4. ANSWER: D None of the choices above are insured by the FDIC. A safe deposit box is a well-secured storage space rented by an institution to a customer, but it is not considered a deposit account under federal law and therefore is not covered by FDIC insurance. Similarly, FDIC insurance does not cover losses due to theft or fraud at an institution; however, federal law and industry practices may limit your losses. Stocks, bonds and mutual funds are investments, not deposit accounts insured by the FDIC. They are subject to investment risks, including the possible loss of the principle amount invested. To learn more about deposit insurance coverage, see our article Why and How to Know What's FDIC-Insured and What Isn't or visit our webpage at Understanding Deposit Insurance. You can also call us at 1-877-ASK-FDIC (1-877-275-3342). For those who are deaf or hard-of-hearing, please call 1-800-925-4618. 5. ANSWER: A Under federal law, if your credit card is lost or stolen, your losses are limited to a maximum of $50. Also, if the unauthorized charges are made over the telephone, online or in the mail, your liability is $0. But under the Electronic Fund Transfer Act, if your debit card or ATM card is lost or stolen or you notice an unauthorized purchase or other transfer using your checking or savings account, your maximum liability is limited to $50 only if you notify your bank within two business days. If you wait more than two business days, your debit/ ATM card losses under the law could go up to $500, or perhaps much more. With either card, though, industry practices may further limit your losses, so check with your card issuer. For more information about how to protect yourself, see What You Need to Know About Credit and Debit Card Billing Issues.

COMPLIANCE

6. ANSWER: A Before paying for a purchase online, make sure the website you?re on has ?https?at the beginning of its URL, along with a padlock symbol. The ?s?stands for ?secure,?which means the site has a protected network connection. Websites with ?http?at the beginning of the URL with no ?s?are more vulnerable to attacks by scammers who steal credit card information by monitoring network traffic. Also be aware that it?s easy for criminals to copy the logo of a reputable company or organization into a fake website or e-mail. For more information on how to protect your money from these kinds of scams, see Shopping Online During the Holidays? and A Cybersecurity Checklist. 7. ANSWER: D There are many ways to deal with a debt problem. Experts recommend paying off your highest-rate loans (usually a credit card or department store charge card) first, while still making the minimum payments (if not more) on your other accounts. If you have several credit cards, target the one with the highest interest rate, pay it off, and then move to the card with the next highest rate. Experts also say that it may be faster to pay off the smallest balances first, and seeing this progress may help keep you motivated. Also add a small amount to one of your current payments. Once you?re comfortable with that new amount, add more to future payments. For more information on paying down debts, see Weathering a Financial Storm and Time to Take a New Look at Your Money Habits. 8. ANSWER: C The IRS cannot send your tax refund to your credit card issuer or mortgage lender. If you are carrying a credit card balance or have a mortgage, it may be a good idea to use your tax refund to pay down the balance and save money on interest charges, but that?s something you must do yourself after you have received your refund. As noted on the IRSwebsite (www.irs.gov), the Refund Returns webpage says taxpayers ?may not designate refunds for direct deposit to credit card accounts.?Also Frequently Asked Questions about Splitting Federal Income Tax Refunds states that taxpayers ?cannot opt for a direct deposit into a loan account.?To learn more about the refund process, visit the Refunds webpage and see the FDICConsumer News article Tax Season and Your Refund Options. For general help and information during tax season, go to the IRS website or consult a tax advisor.

TRAINING

Now Enrol l ing Mentor Tel ler School is Apri l 24 and Apri l 25. This class is open t o anyone who would l ike to acquire ski l ls in coaching, development , product knowledge, and Customer Financial Educat ion. Enrol l today in BVS!

Manager Academy

Get ready to cheer on our Operat ions Managers as they head into the upcoming Manager Academy in Apri l !

Have you heard? Congratulat ions are in order for our very own Mr. Ant hony Si l va! Anthony?s dedicat ion and hard work have been inst rumental in the development and growth of the best talent in the indust ry. He has earned himsel f a wel l -deserved promot ion! On behal f of the t raining department , we would l ike to congratulate Of f icer Si lva on his recent promot ion.

IN OURCOMMUNITIES

Br anch 39 Santa

Habitat for Humanity of Southern Santa Barbara County Denim& Diamonds Gala

Bar bar a

Bank of theSierrasponsored theDenim&DiamondsGala! Theevent raised over $225,000. Habitat for Humanity worksto bringpeopletogether tobui ld homes, communities, and hope.

You Ar e A Star !

Mar ia Rios Cent ral Operat ions - Payment Solut ions "Maria went above and beyond to assist us wi th a consumer foreign wire. Maria is always quick wi th responses and happy to be of help. Thank you, Maria. We appreciate al l of your help here at Branch 9!" - Stacia Fi tz-Pat rick

Have you seen your cowor ker go above and beyond? Submit a card or email your submission to the Marketing and TrainingDepartments. You can then send the physical card to the recipient! Need a card? Contact the Training department.

DEPOSITGROWTH CONTEST

The Deposit Growth Contest continues. A prize will be given for most deposits in both the consumer and the business categories as a way of allowing each branch to be more aware of their capacity for growth, while encouraging a little good-natured competition at the same time. The results are in for the current month. Congratulations to the winners! Each of the winning branches will each be rewarded with a branch-wide lunch. When you have the lunch, SEND MARKETING YOUR PICTURES. One representative from each winning branch must contact Marketing to coordinate claiming the prize! Thanks for your efforts, everyone, and Keep Climbing!

Note: The amounts above do not include CDs.

BRANCH PERFORMANCE

HOWIS YOURBRANCH PERFORMING? These new charts help branches compare monthly checking account openings. If your "factor" is larger than 1.00, your branch opened more accounts than the same month in 2017. Likewise, if your "factor" is smaller than 1.00, your branch opened fewer accounts.

CLIMBERQUIZ

This month?s quiz will be based on information found throughout the newsletter. Please submit answers for the following questions to the Marketing Department. There will be only one winner per branch or depar tment. The first correct respondent per branch/ department gets the prize!

1. Which February Pet of the Week has its paw on a Bank of the Sierra money bag?

Have Newslet ter Ideas?Tell Us!

2. Which Bank of the Sierra employee got married on February 16?

If there are any ideas or topics you?d like us to cover in our future newslet ters, let us know! We?re also open to cont r ibut ions that may benefit your fellow employees. Share informat ion about banking, finance, new technology, policy and law changes, bank events, and helpful t ips& t r icks. Please send your newslet ter submissions to the Market ing Department for review. We thank you in advance for your cont r ibut ion!

3. What webpage should you visit to f ind out more informat ion about volunteering at Abundant Life Ranch?

4. What dates are Mentor Tel ler School open?

5. What is the correct answer to quest ion # 3 in the Nat ional Consumer Protect ion Week quiz?

CLOSINGREMARKS

When an al ien gif t s a candl e

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