Climber Monthly November 2019

Bank of the Sierra?sClimber Monthly | November 2019

HALLOWEEN COSTUMES!

BEST BANK IN TEHACHAPI

BIG DAY DISPLAYS

SIERRA GRANTS

PLUS : PRESIDENT'S CORNER, PETS OF THE WEEK, PARADE FLOATS, THE QUIZ,& MORE!

President 's Corner

FROM TH E D ESK O F K EV IN J . M C P H A IL L A number of television showsfrom the?90sand even earlier arebeingrecycled, perhapsbecausethey nowappeal toyounger audiences.Onesuch showthat I enjoyed duringitsfirst run is Friends .My daughter isnowwatchingmany of theepisodesfor the first time, and theshowmakesfor great conversation ?wehaveasimilar typeof humor. Perhapsmy favoriteepisodeinvolvesacouch andRossstatingloudly that they need to?pivot? asthey attempt to turn thecorner of thestaircase. If you haven?t seen that particular scene, it can easily befound on YouTubeand isworth awatch. Theterm?pivot?alwaysbringstomind basketball. In basketball, theonly way aplayer can change position after they havestopped dribblingtheball istokeep apivot foot planted firmly on thefloor. Thisallowstheplayer toseetheentiregameand potential shotsor open players.

That getsmethinking?organizationsarelivingentities that must growand evolvein order tobesuccessful. Theymust learn topivot.Wecan all namecompanies that refused tochangeand arenowextinct or near extinction:Mervyns,Woolworth?s,EFHutton,Pan Am, TWA, and on thelist goes. In 2009,Blackberry controlled nearly 20%of the

worldwidemobilephonemarket share. Today, they have such asmall part of theworldwidemarket sharethat it isoften reported as?0%.?Comparethat toApple,who nowhasapproximately 19%of theglobal cell phone market, and over 40%of theUSmarket. Thefirst iPhone wasintroduced in 2007.Within twelveyearsAppleisnowthedominant mobilephone(doesanyone even usethat termanymore?)producer. Of course, therearealsomany examplesof companiesthat did learn topivot.Onesuch company is Western Union. They started in 1851with oneprimary reason for their existence, sendingtelegrams. NowI don?t knowabout you, but I havenever received atelegram, nor haveI ever sent atelegram. So howarethey still around today?Today, they areoneof thelargest money transmittersin theworld and seem tobevery successful doingso. In fact, their websiteproudly states: We Innovate Staying focused on our customers?changing needs has kept us innovating to connect people for more than 168 years. From the first wired transcontinental communications link, to the first fleet of commercial satellites, to money transfer services offered all over the globe, we have built history-changing platforms to keep people in touch with those they care about the most. Sohowdoesthisapply tous?Bankingisoneof themost important elementsof any civilized society and weareproud toplay an important rolein our local, regional, and global economy. That said, it is

important tocontinueto innovateand growboth asan industry and asBank of the Sierra.Weseenewcompetition fromnon-banksaswell aslarge, regional, and local

banks.With thosechallengesalsocomenewopportunities and it iscritical that weevolveand pivot asnecessary.We havedemonstrated our ability to takeadvantageof many opportunitiesover thepast 42 yearsand I amproud tobe part of abank with proven resilience! Thankstoour determination, strongserviceculture, and thewillingness tocontinuegrowing, I believeour futureisvery bright!

Kevin McPhaill, Pr esident & CEO Bank of the Sier r a

BANK NEWS

Best Bank in Tehachapi!

Bank of the Sierra was voted Best Bank by readers of the Tehachapi News!

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BANK NEWS

Ha l l ow een !

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PORTERVILLE MAIN

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VISALIA MOONEY

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BAKERSFIELD CALIF. AVE.

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VISALIA DOWNTOWN

TULARE

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FRESNO PALM

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HANFORD

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CALIFORNIA CITY

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TULARE PROSPERITY

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FILLMORE

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SANTA PAULA

BANK NEWS

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ATASCADERO

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OJAI

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VENTURA

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CORPORATE (SITEC)

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Big Day!

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Big Day!

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Big Day!

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Big Day!

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Congratulat ions, Paula!

BANK NEWS

Old News is Good News Angie Davis of Payment Solutions found this old Porterville Recorder article from around 20 years ago. Bank of the Sierra's first branch and its corporate offices now occupy Moore Opera House's former spot on Main Street and Garden Avenue.

BANK NEWS

October 's Pets of the Week

Lexi, Archie, Glor iaEstefan, SERVICE DOGS

Alli, & Auchi

Lehua

Abby

Peaches

China

Jake

Buddy

Bentley

Ollie

Buster & Har ley

Cody

Hoover

Doby Jo

If you subm it a pict ure of a pet at one of our branches t hat makes our Pet post on social media, you w ill receive a f ree gif t card. If you subm it a phot o w it h a st or y or a video, you w ill receive t wo gif t cards! If you subm it a video w it h a st or y, you w ill receive t hree gif t cards! Older phot os and subm issions w it h st or ies or video are given pr ior it y when select ing Pet s of t he Week .

BANK NEWS

Win gift cards with your Pet of the Week entr ies! We?re looking for interesting and unique stories? alongwith cute photosand videos?of the pets that visit our branches to share on social media.

- Pet photo(s) ?Win $5 in gift cards - Pet video ?Win $10 in gift cards

- Pet photo(s) with story ?Win $10 in gift cards - Pet video with story ?Win $15 in gift cards! Submit your Pet of the Week entries to marketing@bankofthesierra.com.

Did you move t o a di f f erent branch or depar t ment ? Let us know and we' l l get t he word out in t he CLIMBER! Old Faces in New Places CLIMBERClassi f ieds YOURADHERE FORFRE!

Bef ore you t r y eBay or Craigsl ist , t r y CLIMBER Classi f ieds! Send Mar ket ing a shor t descr ipt ion and phot o of your i t em , plus i t s pr ice and cont act inf o f or t he buyer , and we' l l f eat ure i t in t he next CLIMBER newslet t er !

SIERRA GRANTS

CSET (Community Services& Employment Training, Inc.) received a $5,000 Sierra Grant in the first quarter of 2019 . CSETused the grant for its4th annual Regional Educat ion Youth STEAM Summit , a one-day conference for youth leaderscurrenty exploring careers in science, technology, engineering, arts, and mathematics.

CSET?s Youth Department upped their game for this year ?s 4th Regional Education Youth Summit, held April 16, 2019, at the Energy Education Center in Tulare. In partnership with Southern California Edison, 68 youth participated in a full-day professional conference, featuring a keynote by the McFarland USA Cross Country Team. Members of the original 1987 McFarland team and McFarland USA film, Coach Jim White and brothers David and Danny Diaz, spoke about the team's incredible journey to become state champions and the first in their family to attend college.

For the first time, the conference featured breakout sessions to better highlight Science, Technology, Engineering, Arts, and Mathematics (STEAM) careers. Session leaders enhanced the conference with their wealth of knowledge and lived experience in their respective fields: Bud Darwin, Sequoia Riverlands Trust?s Education and Volunteer Director, led the Science session; Steve Ross, retired Dreamworks Animation?s data center manager, covered Technology careers; a team of SCEEngineers led the Engineering session; and John Redden, COSMathematics and Computer Science professor, educated students on the myriad professions in the field of Mathematics. The educational event also featured Professional Artist Erik Gonzalez who provided the lunch keynote, a resource fair, giveaways, breakfast, and luncheon. Participants represented CSET?s youth programs including Youth@Work, Youth Transitions, R2Y, the Sequoia Community Corps, TechConnect, and #LEAD. Leading up to the conference, #LEAD students participated in the Edison Challenge to help meet California's

ambitious clean energy goals by reducing greenhouse gas emissions and improving air quality, especially in vulnerable communities. SCE representatives evaluated each team?s project and announced the winners during the conference.

Want to learn more about CSET?Visit cset .or g .

SIERRA GRANTS

Ar t s Visal ia Providesyear-round selection of art activitiesfor children

Por t er vi l le Ar t Associat ion Offersworkshops, education programs, art exhibits, financial assistance to art students

Sundale Un ion Element ar y School Dist r ict Teaching animation technology to students

SIERRA GRANTS

Cabr i l lo High School Aquar ium Interactive Tidepool Project will help develop stewardship for fragile coastal ecosystems

OjaiCARES Patient Navigator program improveshealth outcomes of cancer patients

SLO Noor Foundat ion Providesuninsured

residentswith freemedical, dental, and vision services

SIERRA GRANTS

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

Tul are County Tul are County Tul are County Tul are County Tul are County Tul are County Tul are County Tul are County Tul are County Tul are County Tul are County Kings County

Val ley Adu l t Day Ser vices valleyadultdayservices.org/ contact Exet er Food Closet exeterfoodcloset@gmail.com Por t er vi l le Ar t Associat ion, Inc. portervilleart.wordpress.com/ contact-us Boys & Gi r ls Club of t he Sequoias bgcsequoias.org/ volunteer Ar t s Visal ia artsvisalia.org/ support-us/ volunteer-info

Tu lare Count y Farm Bureau Educat ional & Scholar sh ip Fund Tr ust tcfb@tulcofb.org

McKel lar Fam i ly Farms, Inc. mckellarfamilyfarms.com/ contact

Sundale Un ion Element ar y School Dist r ict sundaleschool.com/our-district/ contact-us

Fresno County Kings County Kings County

Kingsbur g High School FFA kingsburgffa.weebly.com/ contact-us.html

Kings Tu lare Cont inuum of Care on Homelessness kthomelessalliance.org/ contact

Fresno County

St at e Cent er Commun i t y Col lege Foundat ion on behal f of Reedley Col lege (559) 638-0300

Kings Commun i t y Act ion Or gan izat ion kcao.org/ volunteer

SIERRA GRANTS

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

SLO County SLO County SLO County SB County Kern County Kern County SB County Ventura County Ventura County LA County

Jun ior League of Baker sf ield uetzc@kerndhs.com juniorleagueofbakersfield.org/ contato-1 Ker n Par t ner sh ip f or Ch i ldren and Fam i l ies

San Lu is Obispo Symphony slosymphony.org/ volunteer

SB County SB County

SLO Noor Foundat ion slonoorfoundation.org/ volunteer

Cent ral Coast Vet erans Helping Vet erans ccvhv.org/ contact

Lompoc Gardens, Inc. hasbarco.org/ lompoc-gardens

Cabr i l lo High School Aquar ium CHSAquarium@gmail.com

OjaiCARES, Inc. ojaicares.org/ volunteer

Ojai Val ley Land Conser vancy ovlc.org/ volunteer

Ventura County

Bu i lding Blocks f or Kids bbfkids.org/ volunteer

IN OURCOMMUNITIES

Selma Band Fest ival Parade Our Selma branch had a float in the Selma Band Fest ival Parade! And it won second place for best float ! The parade's theme this year was Shine on Harvest Moon - ASalute to Agriculture .

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IN OURCOMMUNITIES

Rot ary Club FSRShannon Smith taught her fellow rotary members how to detect counterfeit money. After receiving some counterfeit $20 bills at a rotary fundraiser, members learned the different marking of bills, the feel of the

paper, and other good info on how to detect counterfeit bills.

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IN OURCOMMUNITIES

BCHSGraphic Design Present at ion

Director of Market ing Mat t Hessler gave a presentat ion to graphic design students at Bakersfield Chr ist ian High School. The students are current ly learning logo design. Mat t illustrated real-wor ld applicat ions in logo design, and explained how Bank of the Sierra transit ioned from its legacy logo to its current logo. The class discussed why a company's brand ident ity is much more than just a logo, and the processes the Bank undertook to codify its own brand. The students loved the Bank-branded flexible calculators, cell phone fans, and color changing pencils! Also, one of the students was Jim Holly's granddaughter!

BANK NEWS

Can yo u beat t hese 5K t imes?

Edgar Suarez, Br. 2 20:07

Michelle Rodr iguez, Ag Dept. 25:36.8

Send Marketing evidence of your winning time in your local 5K race and CLAIM THE BELT!

COMPLIANCE

Shopping Online Securely ?Tis the Season to Be Cautious

The holiday season is close upon us and soon millions of people around the world will be looking to buy the perfect gifts. Many of us will choose to shop online in search of a great deal and to avoid long lines and impatient crowds. From the convenience of making purchases at your fingertips and next-day delivery to getting great deals and the endless catalog of purchasable items, online shopping has only grown in popularity. While the increased availability of online shopping is convenient, it also makes it more lucrative for scammers to trick buyers into paying for goods they won?t receive or obtain their personal information for financial gain. Fake Online Stores While most online stores are legitimate, some are not; there are fake websites set up by criminals. Criminals create these fake websites by copying the look of or using the name of well-known stores. They then use these websites to prey on people who are looking for the best deal possible. When you search online for the absolute lowest prices, you may be directed to one of these fake websites. Remember, just because the site looks professional does not mean it?s legitimate. If something about the site sets off warning bells, take time to investigate. If you aren?t comfortable with the website, don?t use it. Instead, find a well-known website you can trust or have safely used in the past. You may not find quite as great a deal or find that hot ticket item, but you are much more likely to end up with a legitimate product and a clean credit report. You can use these 6 steps to help avoid Fake Online stores. Online Shopping Tips - Conduct research : When using a new website for purchases, read reviews and see if other consumers have had a positive or negative experience with the site. - When in doubt, throw it out : Links in emails, posts and texts are often how cybercriminals try to steal your information or infect your devices. - Personal information is like money : value it and protect it: When making a purchase online, be alert to the kinds of information being collected to complete the transaction. Make sure you think it is necessary for the vendor to request that information. Remember, you only need to fill out required fields at checkout. - Use safe payment options: Credit cards are generally the safest option because they allow buyers to seek a credit from the issuer if the product isn?t delivered or isn?t what was ordered.

COMPLIANCE

- Don?t be disappointed : Read return policies and other website information so you know what to expect if the purchase doesn?t go as planned. - Protect your $$ : When shopping, check to be sure the site is security enabled. Look for web addresses with https:// indicating extra measures to help secure your information. Computer/Mobile Device In addition to shopping at legitimate websites, you want to ensure your computer or mobile device is secure. Cyber criminals will try to infect your devices so they can harvest your bank accounts, credit card information and passwords. Take the following steps to keep your devices secured: - If you have children in your house, consider having two devices: one for your kids and one for the adults. Kids are curious and interactive with technology. As a result, they are more likely to infect their own device. By using a separate computer or tablet just for online transactions, such as online banking and shopping, you reduce the chance of becoming infected. If separate devices are not an option, then have separate accounts on the shared computer and ensure your kids do not have administrative privileges. - Only connect to wireless networks you manage, such as your home network, or networks you know you can trust when making financial transactions. Using public Wi-Fi networks, such as at your local coffee shop, may be great for reading the news, but not for accessing your bank account. - Always install the latest updates and run up-to-date anti-virus software. This makes it much harder for a cyber-criminal to infect your device. Credit Card Keep an eye on your credit card statements to identify suspicious charges. You should review your statements regularly, at a minimum at least once per month. Some credit card providers give you the option of notifying you by email or text messages every time a charge is made to your card or when charges exceed a set amount. Another option is to have one credit card just for online purchases. That way, if it is compromised, you can easily change the card without impacting any of your other payment activities. If you believe fraud has been committed, call your credit card company right away and explain the situation. This is also why credit cards are better for online purchases than debit cards. Debit cards take money directly from your bank account, and if fraud has been committed, it can be far more difficult to get your money back. PayPal is a well-known payment service that can be utilized instead of your credit or debit cards to avoid disclosing your card number to a vendor.

HUMAN RESOURCES

Living your best ret i rement : Calculate how much income you?ll need

Everyone has their own idea of what ret irement looks like. Maybe it includes travel. Or buying a vacat ion home. Or spending more t ime with grandkids. Making plans for the life you want should also include a plan for your ret irement savings so it can go the distance. With ret irement on the hor izon, now is a good t ime to calculate how much income you?ll need. Consider t hese quest ions t o calcu lat e how much income you may need in ret i rement What are your mont h ly expenses? This includes 2 categor ies: needs (the essent ials) and wants (the fun stuff). Your needs are things you can?t live without or are obligated to pay, like ut ilit ies, grocer ies, and a mortgage. Wants are things that are nice to have, like travel, dinners out , and personal splurges. What you consider a need versus a want depends a lot on the lifestyle you live now. Do you want to cont inue this lifestyle in ret irement , or do you plan to make changes?Be idealist ic? and realist ic? about your vision for the future.

HUMAN RESOURCES

How much w i l l i t cost ? Est imate your monthly ret irement costs based on what expenses you pay for now? but assume that it will change once you ret ire. For example, your health care costs may go up. Or your housing costs may go down if you pay off your mortgage. There?s also inflat ion to consider. Grocer ies, gas, and most things you buy will cost more in 20 years than they do now. When do you plan t o ret i re? And the bigger quest ion: When do you plan to start taking withdrawals from your ret irement accounts, like your 401(k)s and IRAs?The longer you wait , the more potent ial you?ll have to grow your money tax-deferred (although you typically need to start taking minimum distr ibut ions at 70½). If ret irement is near and you plan to make withdrawals soon, there are investment strategies that may help you cover the basics by providing regular, guaranteed. Have you f act ored in t he needs of your spouse? Does your spouse have their own ret irement savings, or will you be responsible for the needs of your household?Remember that how you live now may change in the future. Ensur ing you have enough money to cover expected and unexpected expenses for the both of you is essent ial. What are your sources of ret i rement income? When your paycheck stops, you?ll need to create your own. This will likely come from changeable income? things like 401(k)s, IRAs, and other investments? which can fluctuate based on the market or other factors. Guaranteed income? things like Social Secur ity or a pension? is money you know you?ll have for as long as you need it . Will you have enough guaranteed income?Or will you need to consider new investment strategies for generat ing lifet ime income, like annuit ies?

IN MEMORIAM

IN LOVINGMEMORY

Cheryl Walker Branch 1? Porterville July 12, 1954 ? October 27, 2019

TRAINING

Job vs. CAREER You never really think about thetimeand effort that goesinto establishing content for theCLIMBERnewsletter. Now that I havehad theopportunity to spend agreat deal of timewith theMarketingDepartment, I'vefound that it issomuch morethan cut, copy, and paste. Whiletrying to comeup with content, many thoughtsgo through my mind: what would bebeneficial and of interest to all of you?Isthereany knowledgethat can bepassed along to driveyour career in theright direction?Doesanyoneactually read thecontent or just flip straight to thequiz?I guessall of thesequestionswill be answered based on thenumber of you that reach out to tell meyou?veread thisarticle. Now you?reprobably wonderinghow havingajob versushavingacareer at Bank of the Sierraequatesto themonthly newsletter?Well, let metell you. If you quickly scroll past all of thebeneficial information beingdelivered to get to thequiz so you can beoneof thefirst to answer thequestionsto win aprize, you aremost likely jobminded. Your focusison theend result rather than theemersion of all thethingsyou could learn along theway. By nomeansisthereanythingwrongwith just havingajob, however, think of all theinsightful information you aremissingout on. A job issomethingyou do simply to earn money with minimal impact on your futurework life. Then, of course, wehavetheflip side ? theindividual that carefully and thoughtfully readseach and every well-written article. You?retheperson that enjoysseeingothers recognized for goingaboveand beyond and seeingall of theinformation on thegreat thingsBank of theSierradoesfor our communities. You aretheperson that always readsthePresident?sCorner and takesthereading recommendationsor shared knowledgefrom yearsof experience. Fromonepageto thenext isaseriesof opportunitiesto learn something, much likeacareer. A career isaseriesof connected employment opportunitiesthat provideexperienceand learning to fuel your future. I cannot begin to explain how excited I am for each and every oneof us. 2020 isgoing to beahugeyear hereat Bank of theSierra, and together wearegoing to flip thepages ever so carefully to takein thegreat deal of knowledgeavailable. Metaphorically speaking, wewill takeall of our individual storiesand experiencesand turn them into thebest monthly newsletter ever created. Thebest articlesareyet to bewritten and if you takethetimeto read them, your career ishere. Er i k Mar t in Leadership Development Specialist

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 2018. Likewise, if your "factor" is smaller than 1.00, your branch opened fewer accounts.

You Ar e A Star !

Sydney Tobias Branch 26 - Farmer svi l le "Sydney went above and beyond to help out our 96-year-old customer Mr.

Durret t . His wheelchair bat tery died in dr ive-up. She sprung into act ion and pushed his chair out of dr ive-up and waited unt il someone came to pick him up. Sydney's customer service skills do not stop at the teller line. SHE'SOURSUPER STAR! Way to go, Syd!!!!!!" - Candelar ia Barr ios

Have you seen your cowor ker go above and beyond? Email your submission to the MarketingDepartment.

CLIMBERQUIZ

This month?s quiz is 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 company controlled near ly 20% of the wor ldwide mobile phone market share in 2009? 2. Which branch?s Halloween costumes made the front page of their local newspaper?

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!

3. What does STEAM stand for?

4. Which branch won second place for best float in its local band fest ival parade? 5. Director of Market ing Mat t Hessler gave a graphic design presentat ion at what high school?

CLOSINGREMARKS

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