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Investor Presentaiton

Public Company Discipline and Transparency REGIONAL MANAGEMENT Full Transparency - Public SEC Filings and Disclosures Internal Controls - SOX controls in place since 2013 External Audits - RSM US LLP Internal Audit - Covers all corporate office functions and branch activities Compliance - 16-member team with Chief Compliance Officer reporting to the Board of Directors Enterprise Risk Management - Identifies and manages significant company risks Cybersecurity - Guided by National Institute of Standards and Technology (NIST) framework, coupled with 3rd party assessments 6
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