Climber Monthly November 2018.pdf

Bank of the Sierra?sClimber Monthly | November 2018

HALLOWEEN PHOTOS

BIG DAY, BIG BAG!

SIERRA GRANTS IN THE NEWS

NEW FAVORITE BANK AWARD

PLUS : PETS, THE QUIZ,

FALL FESTIVAL, AND A RESCUED KITTEN!

BANK NEWS

Pets of the Week

Jenny

Piper

Mer lot

Puppy dr iver?

Maggie

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

Previous Pets of the Month/ Week

Apr il Whitney

January Brando

February Lollie

March Binny

May Rodi

June Sunshine

July Balder

August Buddy

Sept. 5 Bugs Buddy

Sept. 12 Chance

Sept. 19 A par rot!

Sept. 26 Jack

CLASSIFIEDS

BANK OF THESIERRA CLASSIFIEDS

Do you have something for sale that you can't seem to get r id of? We've got you covered! Just follow these easy steps:

1. Send a picture of your item for sale to Marketing 2. Descr ibe the item in no more than 50 words 3. Please use News Gothic Std font in 8pt font size 4. Include the pr ice of your item 5. Include your contact information 6. Please limit your communication about any classified ads to lunch breaks or after work hours 7. Please email Marketing once your item has sold

BANK NEWS

Duf fel bags...

...or sleeping bags?!

Br anch 13 Fr esno Palm

Did you see t he BIG Big Day Gi f t ?

BANK NEWS

BIG DAY DISPLAYS

Br anch 1 Por ter vi l le Main

55,000 surchar ge f ree ATMs!

Br anch 28 Fi l lmor e

Br anch 23 Cal i for nia Ci ty

BANK NEWS

BIG DAY DISPLAYS

Br anch 29 Santa Clar i ta

Tot al ly f ree check ing!

Br anch 37 Ojai

Br anch 39 Santa

What 's in your duf f el?

Bar bar a

BANK NEWS

BIG DAY DISPLAYS

Br anch 10 Tular e

Br anch 16 Baker sf ield River lakes

Br anch 21 Tehachapi Main

It 's not al l a bunch of Hocus Pocus!

BANK NEWS

BIG DAY DISPLAYS

Br anch 27 Santa Paula

Br anch 38 Ventur a

Br anch 34 Lompoc

BANK NEWS

Ha l l ow een ! Br anch 2 Por ter vi l le West Ol ive

Br anch 25 Selma

Br anch 24 Baker sf ield Ming

BANK NEWS

Ha l l ow een !

Br anch 7 Visal ia

Downtown

Br anch 27 Santa Paula

Br anch 8 Dinuba

BANK NEWS

Ha l l ow een !

Br anch 10 Tular e

Br anch 16 Baker sf ield River lakes

Br anch 18 Baker sf ield East Hi l ls

BANK NEWS

Ha l l ow een !

Br anch 17 Delano

Br anch 21 Tehachapi Main

Br anch 22 Tehachapi Old Town

Br anch 14 Clovis

BANK NEWS

Ha l l ow een !

Br anch 28 Fi l lmor e

Br anch 29 Santa Clar i ta

Br anch 33 Pismo Beach

BANK NEWS

Ha l l ow een !

Br anch 34 Lompoc

Br anch 36 Atascader o

Br anch 39 Santa

Bar bar a

Br anch 38 Ventur a

BANK NEWS

Ha l l ow een ! 99 Cor por ate Br anch

BANK NEWS

Ha l l ow een !

99 Cor por ate Br anch

IN OURCOMMUNITIES

Jacob's getting a new chair !

Br anch 22 Tehachapi Old Town

"Our customer Jacob raised enough money to buy his new motor ized wheelchair. He came in to send the money. We are so happy for him! We can?t wait to see him in his new chair." - Andrea Dyess

IN OURCOMMUNITIES

Pink in the Distr ict Contest Everyone at Branch 1 helped decorate the front doors for Sier ra View Medical Center 's Pink in the Distr ict Contest!

Br anch 1 Por ter vi l le Main

Br anch 5 Visal ia Mooney

Fight Like a Gir l

Branch 5 dresses in pink to suppor t breast cancer awareness!

IN OURCOMMUNITIES

Lindsay Kiwanis Installation Dinner On the night of October 11th, the Lindsay Kiwanis Club, established in 1926, came together again to install its new Board Members. The Club met at China?s Restaurant and welcomed Melissa and Gary Guire. Melissa, in her role as the District?s Lt. Governor, would perform the ceremonies to install the new Board Members for the new year. Melissa congratulated Kirk Ingoldsby as the incoming President of the Club as well as the remaining new Board Members: Theresa Saucedo, Immediate Past President (Retired), Rober t Mar tinez, New Board member (VP & Manager of the Bank of the Sier ra Lindsay Branch) ; Maria Knutson, New Board Member (City of Lindsay Representative); Cheryl Cook, Secretary (Retired) and finally Dennis Hylton, Treasurer (CPA). The club members had a great time getting together and building comradery. A highlight of the evening was welcoming Ellen Blumer. Ellen, at the age of 90 years, shared with us that she was the first female to be ?allowed?into the Kiwanis Club in 1990 and was the 1st Female Lt Governor for the District. Wow!!! What an awesome lady!

Pictured: Front Row, sitting (left to right): Melissa Guire; Cheryl Cook, Ellen Blumer (Retired); Gina Wise; Kathy Ingoldsby. Back Row, Standing (Left to right): Allen Guire; Theresa Saucedo; Bill Zigler (City Manager, City of Lindsay); Val Saucedo, (Judge/ Retired); Robert Martinez, VP & Manager of the Bank of the Sierra Lindsay Branch/ New Board Member; Maria Knutson; Yonok, Warson, Starr Warson, Kirk Ingoldsby. Br anch 3 Lindsay

IN OURCOMMUNITIES

Exeter Fall Festival

Br anch 4 Exeter

Branch 4 celebrated Exeter 's Fall Festival!

IN OURCOMMUNITIES

Kitten Rescue at Branch 23!

A customer told employees there was a cat stuck on the Branch 23 roof, but the local animal shelter said that it could get down from a roof whenever it wanted. After about a week-and-a-half, the cat was still on the roof. So, Tracie Jackson and Kelly Marimla of Branch 23 attempted to lure out the cat with some treats. Amazingly, as soon as they saw the animal they realized it wasn?t a cat ? it was a kitten! And kittens can get stuck on roofs! Animal control set a cat trap on the roof and the kitten was in it the next morning. Tracie took the kitten home, fed her, and gave her water. The kitten has since been spayed, had her shots, and is now living in her forever home. Tracie named the kitten Sierra, who ?will always be the branch?s little mascot.?

Sier ra

Immediately after rescue: 2 lbs. and scared!

Pictured: Front Row, sitting (left to right): Melissa Guire; Cheryl Cook, Ellen Blumer (Retired); Gina Wise; Kathy Ingoldsby. Back Row, Standing (Left to right): Allen Guire; Theresa Saucedo; Bill Zigler (City Manager, City of Lindsay); Val Saucedo, (Judge/ Retired); Robert Martinez, VP & Manager of the Bank of the Sierra Lindsay Branch/ New Board Member; Maria Knutson; Yonok, Warson, Starr Warson, Kirk Ingoldsby. Br anch 23 Cal i for nia Ci ty At ew home: 4.6 lbs. and healthy!

IN OURCOMMUNITIES

Relay for Life Branch 28 attended the

Amer ican Cancer Society event at Shiells Park in September. Br anch 28 Fi l lmor e

Favor ite Bank! Bank of the Sier ra was named Favor ite Bank by Ojai Valley News readers! Thanks Branch 37! Br anch 37 Ojai

SIERRA GRANTS

Garden Pat hways

Comprehensivementoring services

Fam i ly Ser vices of Tu lare Count y

Grant supported victim advocate for Goshen FamilyCenter

Boys & Gi r ls Club of Sant a Clara Val ley Afterschool STEM Academy for at-risk children

SIERRA GRANTS

IN THENEWS

Parent s f or Joy

Building playground for children with special needs

From the At ascadero News: ATASCADERO ? Last readers heard from the local Parents For Joy group, started by parents and families of special-needs children, to provide an all-access playground in Atascadero, was in August with a check presentation of $5,000 toward their goal. That gift from Bank of the Sier r a was one of several in that range they?ve been collecting, most recently with $6,000 raised at the 27th Annual Atascadero StateHospital Golf Tournament at Avila Beach Golf Resort on Sept. 15.

PublicWorksdirector Nick DeBarr said, ?I think this park is going to be super popular ... oneof thebest in theCounty.? The playground is targeted for children 5-12 years old. A unique feature of the planned accessibility will be that parents or caregivers with mobility issues themselves will have free reign around theequipment aswill thekidsplaying. Organizers of the project are hoping to havean opening in May 2019.

For the full story, visit: atascaderonews.com/ art icle/ playground-for-joy-project-update-at-council

BANK NEWS

Can you beat these 5K times?

Edgar Suarez, Br. 2 20:07

The women's belt is open! 26:10

Did you par ticipate in the Veterans Day 5K? Send Marketing evidence of your winning time and CLAIM THE BELT!

COMPLIANCE

Want t o compl et e CRA service hours? Here's where to f ind f inancial educat ion resources.

To count as CRA service hours, the service must : 1. Ut il ize banking expert ise. 2. Represent the bank. 3. Target low-to-medium income individuals.

Money Smart f or Ol der Adul t s These modules aim to raise awareness among older adul ts and their caregivers on how to prevent elder f inancial exploitat ion and to encourage advance planning and informed f inancial decision-making. Start with the inst ructor guide at U:\ Common\ Community Reinvestment Act - CRA\Money Smart for Older Adul ts\ Inst ructor Guide Older Adul ts.pdf Modules include: - Common Types of Elder Financial Abuse - Ident ity Thef t - Medical Ident ity Thef t - Planning for Unexpected Life Events - Scams that Target Homeowners - Scams that Target Veterans Money Smart f or Young Peopl e, Yout h Financial Educat ion These modules can be used to provide f inancial educat ion for al l ages. Get them at U:\ Common\ Community Reinvestment Act - CRA\Money Smart for Young People Available curriculum includes Educator Guides, Student Guides and Teacher Presentat ion Sl ides and Answer Keys for: - Pre K - Grade 2

- Grades 3 ? 5 - Grades 6 ? 8 - Grades 9 ? 12

COMPLIANCE

Money Smart Program This program is not age specif ic and contains 11 modules. Start here: U:\ Common\ Community Reinvestment Act - CRA\ FDICMoney Smart \ Guide-to-Present ing-Money-Smart_2.pdf Curriculum Object ives: Af ter complet ion of the 11 Money Smart modules, part icipants wil l have the knowledge and resources they need to: - Use the services and products of f inancial inst itut ions (e.g., banks, thrif ts, and credit unions) conf ident ly

- Create and implement a spending plan - Dist inguish between ?wants?and ?needs? - Use credit and borrow money responsibly - Protect their f inancial rights and safeguard their money - Determine their readiness to buy a home - Recover their f inancial l ives and rebuild their credit Modules include: - Bank On It - Borrowing Basics - Check It Out - Money Mat ters - Pay Yoursel f First - Keep It Safe

- To Your Credit - Charge It Right - Loan to Own - Your Own Home - Financial Recovery

COMPLIANCE

Money Smart f or Smal l Businesses This curriculum can be ut il ized to teach workshops to current smal l business owners or ent repreneurs considering establ ishing a smal l business. Start here: U:\ Common\ Community Reinvestment Act - CRA\Money Smart for Smal l Businesses\ Guide to Present ing Smal l Business.pdf Modules include: - Record Keeping

- Financial Management - Credit Report ing - Time Management - Insurance

- Banking Services Available - Tax Planning and Report ing - Risk Management - Sel l ing a Smal l Business and Succession Planning - Organizat ional Types and Considerat ions - Is Owning a Business a Good Fit for You? - Planning for a Heal thy Business - Managing Cash Flow

ABA ? Teach Chi l dren t o Save Teach Children to Save is a nat ional campaign of banker volunteers working to educate young people about the importance of developing a l ifelong savings habit . Lessons designed for children in grades K-8. Start here: U:\ Common\ Community Reinvestment Act - CRA\ Teach Children to Save - ABA\ 1. Overviews and Object ives.pdf Modules include: Grades K ? 2 - Lesson A: How Safe? - Lesson B: Kids as Coins - Lesson C: Living Green, Saving Green Grades 3 ? 5

- Lesson A: A Tale of Two Brothers - Lesson B: Where?s the Money? - Lesson C: Decision Tree Grades 6 ? 8 - Lesson A: Energy Detect ives - Lesson B: Double or Nothing - Lesson C: Saving for a Sunny Day

COMPLIANCE

BEA.L.E.R.T.

COMPLIANCE

HUMAN RESOURCES

Pay of f debt or save f or ret i rement ? 5 steps to balance both

You?ve set t led into your career and have a l i t t le ext ra money in your pocket . What do you do wi th i t? Knock out debt? Save for ret irement? The good news: It doesn?t have to be an ei ther-or quest ion. It?s al l about f inding a balance. Here?s how: 1. Focus on your cash f l ow. ?It al l comes down to cash f low,? says Don Hammond, a Principal® f inancial advisor in Sheboygan, Wisconsin. ?Figure out how much you have coming in versus what 's going out and adjust so you have money for ret irement and paying of f debt .? Use a household budget worksheet to help f ree up money each month to put toward debt reduct ion and/ or savings. Look at recent bi l ls, plus bank and credi t card statements, to give you the real facts. Of course, more income helps. Lots of people have a side hust le for ext ra money. Maybe you can be a math tutor, make earrings for the local art fair, or join the ranks of Uber drivers. Search for "side hust le ideas" to get started. 2. Beef up your savings. Keep long-term savings top-of -mind. ?Bui lding l iquidi ty whi le paying down debt is helpful ,?Hammond says. Cont ribut ing to your ret irement accounts whi le paying of f debt can help. If your employer of fers a matching cont ribut ion on a 401(k) or 403(b) ret irement plan, put away at least the minimum so you get the match. It?s sort of l ike f ree money. Even a 1% bump in your ret irement plan deferral can make a big di f ference over t ime.

HUMAN RESOURCES

3. Make debt reduct ion a priori t y. Start early and chip away. ?Don't wai t unt i l a serious crisis to priori t ize and pay down debt ,? says Hammond. Instead: - Make a l ist of debts f rom the highest interest rate to lowest . - Pay of f the highest -interest credi t cards and loans f irst . Pay more than the monthly minimum on these. - Cont inue to make at least minimum payments on the rest . Once you?ve paid a debt , consider put t ing that same monthly amount toward ret irement savings. (And pat yoursel f on the back.) 4. Be caut ious about credi t . How you manage credi t depends on your f inancial si tuat ion, Hammond says.

If you carry a credi t card balance: ?Just because you have a box of chocolates doesn't mean you have to eat them al l at once,? Hammond says. ?If you're in the hole, don't keep digging. Work toward paying of f your credi t cards.?

If you're essent ial ly debt -f ree: Cont inue to use credi t wi thin reason, of course. Why? Because not using i t may damage your long-establ ished credi t score and make i t harder to get f inancing when you real ly need i t . Hammond suggests charging a l i t t le bi t each month and paying the balance in ful l

each month. That?s the key part ? in ful l . 5. Tal k t o a f inancial advisor.

To plan for your future, you f irst need to know where you stand f inancial ly. Then, i f you want assistance, contact a f inancial advisor for help wi th your personal f inance st rategy.

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.

CGX

GREAT NEWS! Here?s a sneak peek of the new monthly sect ion in the CLIMBERnewslet ter for CGX, an innovat ive program designed to enhance customer experience at Bank of the Sierra. This sect ion wil l feature branch contests, t ips and best pract ices, available t raining, product knowledge, compl iance and stories of phenomenal customer experience at the bank. Get ready to keep cl imbing!

7 Key St rat egies Keep Thinking Ant icipat e and meet needs wi t h a broad range of sol ut ions. Keep Serving Provide qual i t y service on a t imel y, compet i t ive basis. Keep Learning Be passionat e about being t he right person on t he t eam. Keep Growing Encourage creat ivi t y and maximize every opport uni t y t o improve. Keep Giving Serve our communi t ies t hrough invol vement and reinvestment . Keep St riving Be discipl ined; aim f or excel l ence. Keep Smi l ing Enjoy t he journey and have f un al ong t he way.

Branch Contest We are looking for the best branch photos out there! Take a group pic wi t h a t urkey and your branch wil l be entered to win a CGX prize pack! Al l ent ries must be e-mailed to the t raining department at Training_Dept @bankof t hesierra.com by November 30 to qual ify. The winner wil l be drawn at random and wil l be announced in the December newslet ter. Good l uck!

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. Fi l l in t he bl ank (two words): _________ _________ resources are available in the U:\ Common\ Community Reinvestment Act ? CRA folder to help you complete CRA service hours. 2. Fi l l in t he bl ank: One part of shopping cyber safe is to be A.L.E.R.T. and to act ivate ___-factor authent icat ion on al l banking t ransact ions. 3. What is Parents for Joy building in Atascadero, thanks, in part , to a Sierra Grant?

Have Newslet ter Ideas?Tell Us!

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!

4. What is the name of the kit ten rescued at Branch 23?

5. How old is El len Blumer?

You Ar e A Star !

Teresa Boyce Branch 4 - Exet er

"I wanted to extend my sincerest grat i tude to Teresa Boyce. She has taken the lead on the Fal l Fest ival for years and t ruly cares about our presence and customer percept ion wi thin the Exeter Communi ty. This year we were able to include the 30 year anniversary celebrat ion wi th the Fal l Fest ival and i t was a huge success. Teresa organized the event and made sure the branch was set up to receive al l of our customers. She helped serve food, spoke wi th customers and gave anyone who asked, a history on the branches involvement in the communi ty throughout the years. Thank you Teresa for al l your hard work and dedicat ion. " - Aracel i Li l ley

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

You Ar e A Star !

Kassi Brannen Branch 2 - Por t er vi l le West Ol ive "She is always so helpful i f I have a quest ion. She makes work fun wi th her bubbly personal i ty. She is always wi l l ing to help anyone in need. She is very f riendly, not only to customers but to the staf f as wel l . I think she sould be reconized becase everyone should feel appreciated. :)" - Ariel Guerrero

Juan Mar t inez Branch 19 - Fresno Sunnyside "He made sure to charge customer for counter checks. Also adding check numbers to fee memo, which minimzed research t ime for

f raud review." - Alexis Jones

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

HUMAN RESOURCES

YOU ARE INVITED TO THE ANNUAL CHRISTMAS PARTY SAVE TH E DATE COME ENJOY A NIGHT FILLEDWITH FOOD, DRINKS, AND FUN ENTERTAINMENT! SATURDAY,

DECEM BER 8 VISALIA CONVENTION CENTER 303 E. ACEQUIA AVENUE VISALIA, CA

KEEP AN EYE ON THE INTRANET FORMORE INFO!

CLOSINGREMARKS

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