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2020 Banking Benefits andHuman Resources Policy SurveyThe definitive source for the most current information onbenefits programs and human resources policies includingPTO programs, health and dental insurance, flexiblespending accounts, and short- and long-term disability plans.

Pearl Meyer’s Banking Benefits and Human ResourcesPolicy SurveyThe Banking Benefits and Human Resources Policies Survey is produced every other year and providesthe most comprehensive benefits and personnel policy information for financial institutions. It is thedefinitive source for information on officer and non-officer, full and part-time benefits programs, andhuman resource practices and policies.Specific Topics Covered Include: Allowed Absences (PTOprograms, vacation, sick days,holidays, etc.) Health (medical, dental, vision)and Wellness plans Flexible spending accounts Short- and long-term disabilitybenefits Life insurance Retirement plans (401(k), ESOP,defined benefit plans, etc.) Work life benefits Retiree benefits Payroll and institution costs Prevalence and select designinformation on executive benefits(SERPs, supplemental benefits,employment agreements,change-in-control agreements,deferred compensationarrangements, and perquisites)For questions or to enroll, call 508-460-9600 and ask for a survey team member.2

COMPREHENSIVEYou will be assigned a dedicated account manager to walk you through the survey submission process, makingit easy to integrate and match your information to our database.Our account managers have several years of survey experience, ensuring you receive the highest quality ofguidance and confidentiality.Policies and PracticesFor questions or to enroll, call 508-460-9600 and ask for a survey team member.3

The Banking Benefits and Human Resources Policies Survey addresses all aspects of benefits and personnelpolicy information: Paid time off Long term care Vacation Defined benefit pension plan Sick days Defined contributionretirement plan Paid holidays Personal days Bereavement leave Weather emergency days Short term disability Family medical leave Long term disability Health and medical insurance Dental insurance Vision care Qualified profit sharing plan Employee stock ownership plan Education assistance Human Resources policiesand practices Benefits and payroll costs Turnover statistics Benefits for retired employees Severance programs Reimbursement accounts Life insuranceFor questions or to enroll, call 508-460-9600 and ask for a survey team member.4

Who Participates?This survey is a national survey that is conducted every two years. Our participants represent both mutual andprivate banks and credit unions across the country.2020 List of Participants1st Federal Savings Bank of SC, Inc.Adams Community Bank*Adirondack Trust Company*Affinity Federal Credit Union*American Airlines Federal Credit UnionAmerican National BankArrow Financial Corporation*Athol Savings BankAvidia Bank*b1BANK*Bank of Botetourt*Bank of Canton*Bank of Clarke County*Bank of Oak Ridge*BankFive*Bar Harbor Bank & Trust*Baxter Credit UnionBayCoast Bank*BCT - Bank of Charles TownBellco Credit UnionBenchmark Community BankBerkshire Bank*Bristol County Savings Bank*Brookline BancorpCamden National Corporation*Carter Bank & TrustCentury Bank & Trust*Chelsea Groton Bank*Chesapeake Bank*Chevron Federal Credit Union*Citizens & Northern Corporation*Citizens and Farmers BankCitizens Business Bank*City National Bank of FloridaClinton Savings Bank*Commonwealth Business Bank*Community Bank of the Chesapeake*Cornerstone Bank (MA)Country Bank (MA)Dedham Institution for Savings*Dime Bank*Eagle Bank*East Cambridge Savings Bank*Easthampton Savings Bank*Ent Credit UnionEnterprise Bank*Envision BankESL Federal Credit Union*Esquire Financial Holding, Inc.Essex Bank*Essex Savings Bank*Farmers & Merchants Bank (NC)*Farmers & Merchants Bank (VA)*Farmers & Merchants Banks of CentralCaliforniaFarmers Bank*First Bank*First County BankFirst Federal Bank (NC)*First Federal Savings & LoanAssociation of San RafaelFor questions or to enroll, call 508-460-9600 and ask for a survey team member.First National Bank*First National Bank of MichiganFirst Sentinel BankFranklin Savings Bank (NH)*Genesee Regional Bank*Gorham Savings Bank*Greenfield Cooperative Bank*Greylock Federal Credit Union*Guilford Savings BankHarborOne Bank*Haverhill Bank*Highlands Community Bank*Institution for Savings*Jewett City Savings BankKatahdin Trust Company*Kennebec Savings Bank*KS Bank*Lake Shore Savings BankLee Bank & Trust Company*Liberty BankLowell Five*Manasquan Bank*Mansfield Bank*Marblehead Bank*Martha’s Vineyard BankMascoma Bank*Mechanics Cooperative Bank (MA)*Merchants Bank of CommerceMerrimack Valley Credit Union*Metropolitan Commercial Bank*5

Middlesex Federal SavingsMiddlesex Savings Bank*Midwest BankCentreMonson Savings Bank*Navigant Credit Union*New Haven Bank*New Peoples Bank Inc.*New York Community BankNewtown Savings Bank*North Shore Bank*Northfield Savings Bank*Northwest Bank*Norway Savings Bank*Oak View National BankOpportunity Bank of Montana*Oriental Bancorp*PacWest BancorpPartners BankPathfinder Bank*Pawtucket Credit Union*Peoples Bank (NC)*PeoplesBank (MA)*Pioneer BankPiscataqua Savings Bank*Plumas Bank*Powell Valley National BankPremier America Credit Union*Pursuit*Rhinebeck Bank*Ridgewood Savings BankRollstone Bank & Trust*Royal Business BankS&T Bank*Saco & Biddeford Savings Institution*Salisbury Bank*SBLISC Telco FCUSkyline National BankStandard Bank PaSB*State Bank of Lizton*Summit State BankThe Bank of Fincastle*The Bank of Marion*The Bank of South Carolina*The Bank of Southside Virginia*The Bryn Mawr Trust Company*The Cape Cod Five Cents SavingsBank*The Cooperative Bank of Cape Cod*The Farmers Bank of Appomattox*The Lyons National Bank*The Pittsfield Cooperative BankThe Village Bank*The Washington Trust Company*The Westchester Bank*Thomaston Savings Bank*Tompkins Financial Corporation*Torrington Savings BankTouchstone BankTruPoint Bank*Union Bank (VT)Union Savings Bank (CT)United Federal Credit Union*Virginia Commonwealth Bank*Virginia Community CapitalVirginia National BankWalpole Co-operative Bank*Watertown Savings Bank*Webster Five Cents Savings Bank*Westfield Bank*Winchester Co-operative Bank*Winchester Savings Bank*Winter Hill Bank** Denotes an institution that also participated in the Executive Benefits portion of this survey.If you are a community bank or credit union we strongly encourage your participationto increase the depth of the survey data while providing you with key insights intocompensation trends in your region.For questions or to enroll, call 508-460-9600 and ask for a survey team member.6

CUSTOMIZEDLooking for a snapshot into the benefits practices of your peers? Look no further than our comprehensive andobjective benefits report.Flexible Report FormatsSurvey results are easily downloaded from the Pearl Meyer survey client website and available in a PDF file.All of this provides you with the most accurate, affordable, reliable data that you can use to attract and retainyour most important, and often most expensive, asset.COST-EFFECTIVEWe offer an affordable solution to your banking compensation data needs for a competitive price of just 625.Banking Benefits and Human Resources Policy Survey PricingNo CostSurvey Submission 625 1,325Participating InstitutionsNon-participating InstitutionsFor questions or to enroll, call 508-460-9600 and ask for a survey team member.Participating institutionsreceive 50% off!7

Contact UsTo learn more about our 2020 Banking Benefits and Human Resources Policy Survey please contact thesurvey group at survey@pearlmeyer.com or your dedicated Account Manager.By email: survey@pearlmeyer.comBy phone: 508-460-9600Or contact Jordan Gagnon;jordan.gagnon@pearlmeyer.com; 508-630-1501Dedicated Team of Account ManagersRebecca TomanVice President, SurveyBusiness UnitRhonda SnyderExecutive Assistant/Account ManagerJordan GagnonSurvey AccountManagerAndrew GuignoSurvey ProjectManagerSarah MuyAssociate AccountManagerDan BesserSurvey AccountManagerAlexis GriswoldAssociate AccountManagerTodd CarterAssociate AccountManagerMatt DunbarAssociate AccountManagerFor questions or to enroll, call 508-460-9600 and ask for a survey team member.8

Why Pearl Meyer Surveys?Our Commitment to QualityWe are committed to providing you the higheststandard of quality reporting. Our rigorous qualityassurance process includes: Review of quality assurance reports to help clarify input and identify discrepancies. Thorough cross check of data; comparison toprevious years’ data; and identification of dataoutliers.You May Also Be Interested InPearl Meyer has a suite of banking surveys inaddition to our Banking Benefits and HumanResources Policies Survey. State Reportsyy Californiayy ConnecticutSecure Data Submission and Confidentialityyy FloridaThe survey is administered using an excel templatefor the collection of incumbent job data and asecure online questionnaire for policies andpractices data. Cyber security is a top priority forall banks, and you can have peace of mind knowingthat our secure system ensures that your data willbe uploaded into a safe environment and remainconfidential.yy Georgiayy New Yorkyy Massachusettsyy Virginia Regional reportsyy Northeast (MA, RI, CT, ME, VT, NH, and NY)yy Northern New England (NH, ME, VT)Concerned about the confidentiality of your dataand how it’s shared in the survey results report? All data is reported in summary form only. No data is reported for any job at any level wherethere are less than four institutions matching. No institution’s data will represent more than a25% weighting for any job.yy Banks of the Carolinas (EA, FL, VA, NC, SC)yy South Atlantic National Report (U.S. Based) Banking Board of Director Survey Banking Benefits and Human ResourcesPolicies SurveyFor questions or to enroll, call 508-460-9600 and ask for a survey team member.9