Camden National Corporation (CAC) 2020年CSR報告「NASDAQ」.pdf

1、Honesty&Integrity +Trust +Service +Responsibility +Excellence Environmental,Social,and Governance Report2020 +1A Letter From Our President&CEO.2At a Glance.3Environmental Report.4Social Report.6Governance Report.12Leadership.14CAMDEN NATIONAL CORPORATION|2020 ESG REPORT+TABLE OF CONTENTS +_CAMDEN NA

2、TIONAL CORPORATION|2020 ESG REPORT+A LETTER FROM OUR PRESIDENT&CEO +Leading,partnering,and progressingwith purposeSince our founding in 1875,we have been a values-guided community bank that is dedicated to our customers,employees,communities,and shareholders.As a trusted corporate partner who cares

3、deeply for all we serve,we strive to follow responsible business practices under transparent,ethical governance,while giving back and having a meaningful impact.Our role as a community institution and an essential business over the past year has never been clearer,and I am very proud of each and eve

4、ry one of our employees,who leaned into our identity as a resilient,caring financial institution.With guidance and oversight from our experienced Board of Directors,we were able to serve customers safely,provide stability during financially turbulent times,support our employees,and give back to thos

5、e in the community who needed it most.Over the yearsthrough prosperous times and challenging timesour vision has united us around delivering your best banking experience,whether youre a small business owner,youre looking to refinance your home,or youre opening your very first savings account.As we l

6、ook ahead to brighter days for our neighbors near and far,we remain as committed as ever to our constituents and to deepening our environmental,social,and governance(ESG)practices.On the following pages,please find our 2020 ESG Report,highlighting Camden National Corporations commitment to being a g

7、ood corporate citizen,as well as our leadership on sustainability,diversity,and ethical governance over the past year.WIth thanks,Gregory A.Dufour|President&CEOEMBRACING OUR CORE VALUESHonesty and integrity-above all elseExcellence-through hard work and lifelong learningTrust-built on fairnessServic

8、e-second to noneResponsibility-to use our resources for the greater goodWe are a values-based,community-minded,and purpose-driven organization.We are committed to our vision to deliver your best banking experience.We are dedicated to our customers,employees,communities,and shareholders.+2+AT A GLANC

9、E +CAMDEN NATIONAL CORPORATION|2020 ESG REPORT+2020 Awards&RecognitionsWere passionate about listening to what our customers need,so we can be there for themproviding guidance,stability,and a better banking experience.In 2020,we stepped up and stood out:Through our CamdenCircle customer experience p

10、rogram,we regularly survey customers for real-time feedback on how were doing,what they need,and ways we could improve their banking experience.In 2020,we learned that 8 out of 10 of our consumer customers were likely to recommend us to friends and familya strong indicator of customer satisfaction a

11、nd loyalty.2020 GREENWICH CUSTOMER EXPERIENCE LEADER:U.S.RETAIL BANKING (3rd year in a row)U.S.COMMERCIAL SMALL BUSINESS BANKING2020 FINANCE AUTHORITY OF MAINE(FAME)LENDER AT WORK FOR MAINE AWARD (11 Years)+317.417K50%3.641%$20K15,500$100,0003,000+60%MILLIONMILLIONdigital banking logins,a 23%increas

12、e over last year.hours of employee training and development.of executive management team members are women.pages of paper saved by encouraging eStatements.growth in accounts opened by customers online.donated to 70 nonprofits in honor of employee volunteers.meetings conducted using our cloud-based c

13、onferencing software.Reached$575,000 donated since 2015 to homeless shelters through HopeHome.Paycheck Protection Program(PPP)loans for small business customers($245 million in relief funding).of employees working remotely during the pandemic.added to our Emergency Assistance Program to support empl

14、oyees with pandemic-related needs.Supported businesses,individuals,and families by providing COVID-19 loan payment relief programs.40%of Board directors are women.$2020 ESG Highlights24/732%increase in total calls,messages,and chats to our Customer Care Team.Our customers and employees are adopting

15、digital tools and technology at an accelerated pace in order to manage their finances and conduct business.With the help of teams across the bank,including Information Technology,Digital Banking,and Facilities,we continue striving to reduce our environmental footprint,while empowering customers to b

16、ank the way they want and enabling employees to collaborate and connect remotely.Reducing energy consumptionIn March 2020,60%of our employees quickly shifted to remote work,reducing the environmental impact of commuting to the office each day.During this time,consumption of energy and water at our o

17、perations offices also decreased.At our banking centers and offices,we strive to use energy-efficient LED light bulbs and motion sensor automation in an effort to decrease energy consumption.Our newest officesincluding our state-of-the-art banking center in Damariscotta,Maine,as well as our signific

18、antly renovated Canal Plaza office in Portland,Maineuse solely energy-efficient LED lighting and controls.In 2020,we tallied 15,500 meetings using our upgraded cloud-based conferencing software,and 82%of those meetings used video technology,reducing travel.While data from 2020 reflects the effects o

19、f COVID-19,including increased use of technology and work-from-home arrangements,and it may not be representative of future trends,we continue working to ensure that employees have access to convenient tools and functionalities for a resource-efficient workplace.Using our more efficient storage and

20、computing solution,the cost of operations for power,cooling,and maintenance is significantly reduced.Accelerated digital banking usageAs customers turn to our sophisticated digital banking tools for managing their everyday finances,reliance on fossil fuels for travel to and from the banking center d

21、ecreases.In 2020,total digital banking logins grew to more than 17.4 million,a 23%increase over 2019.Services In 2020,customers and employees tapped into our sophisticated digital banking products and services,as well as advancements in corporate technology,reducing our reliance on paper and fossil

22、fuels to conduct business and manage finances.+4CAMDEN NATIONAL CORPORATION|2020 ESG REPORT+ENVIRONMENTAL REPORT +within digital banking also grew in popularity,with a 27%growth in total mobile deposit users and a 26%growth in total person-to-person payment users over 2019.Declining paper usageAppro

23、ximately 50%of our deposit accounts receive eStatements,which translates to about 3.6 million pages of paper saved each year.We encourage the use of eStatements by charging a fee to receive paper statements.By offering electronic signature(eSignature)platforms for customers,we also eliminated an add

24、itional 1.5 tons of paper in 2020.We also had a 41%growth in accounts opened by customers online,reducing the need for paper forms.Our secure,easy-to-use online application platforms,MortgageTouchTM and BusinessTouchTM,allowcustomers and employees to upload documents electronically,further reducing

25、the use of paper.In 2020,39%of funded residential loans were submitted using MortgageTouchTM.Lastly,our secure document imaging platform,which has improved our scanning efficiency,currently houses 150 million pages digitally,reducing the need for paper printing and storage.In 2020,we securely shredd

26、ed and recycled more than 115,000 pounds of paper.ESG investment capabilitiesCamden National Wealth Management works closely with clients to customize investment portfolios and meet any ESG-related requirements on a portfolio-by-portfolio basis,such as avoiding fossil fuels and investing in alternat

27、ive energy.While not constrained by an ESG mandate as an organization,Camden National Wealth Management closely monitors ESG practices for individual stock and bond investments,and individual company ESG rankings factor into our overall research process.+17.4 milliondigital banking logins in 2020,a

28、23%increase over last year.+5CAMDEN NATIONAL CORPORATION|2020 ESG REPORT+We are passionate about making a difference in peoples lives.Whether we are helping customers buy their first home or build a growing business,our caring employees strive to go above and beyond to serve our customers,communitie

29、s,and each other.We are also dedicated to giving back and making a difference in the communities where we live,work,and play.We devote time and resources to programs and organizations that help our employees,customers,and neighborhoods thrive,so they can reach their financial goals.Community Reinves

30、tment Act(CRA)Since 2005,we have received an“outstanding”rating,the highest possible,on our CRA performance evaluations.This rating was given by our primary regulator,the Office of the Comptroller of the Currency,which charters,regulates,and supervises all national banks and federal savings associat

31、ions.The“outstanding”CRA rating is a result of our employees dedication to our vision and values,and it sets us apart in the marketplace.Our rating is symbolic of the way we operate our business and deliver for our customers.We believe that helping to meet these needsparticularly for low-and moderat

32、e-income individuals,as well as consumers and businesses in low-and moderate-income areasis essential to the continued growth and vitality of our communities and our company.As part of our commitment to CRA,were proud to share that approximately 35%of our charitable donations qualify for CRA credit

33、with such donations being made to nonprofits that predominantly serve low-to-moderate-income individuals or work in low-to-moderate-income tracts in affordable housing.+SOCIAL REPORT +2020 GIVING HIGHLIGHTS$575,000+donated since 2015 to more than 50 homeless shelters through HopeHome,with more than$

34、90,000 donated in 2020.Every time someone finances their new home with us,we donate$100 to the nearest shelter,providing vital assistance to those in need.donated since 2011 in honor of 48 recipients of our Leaders&Luminaries Award to shine a light on the impact of outstanding nonprofit board direct

35、ors.In 2020,five organizations received a total of$22,000.for Boys&Girls Clubs of Kennebec Valley to help build a vital new community space called the Clubhouse that our neighbors,customers,and employees will benefit from for years to come.$24,000 donated to organizations ensuring food security acro

36、ss our footprint throughout the year.$17,500 to Finding Our Voices,a grassroots nonprofit with a mission to break the silence of domestic violencetown by town,conversation by conversation.for Big Brother Big Sister chapters where our employees mentor children and serve on the board of directors.for

37、Junior Achievement of Maine and its support of K-12 programs that foster work readiness,financial literacy skills,and entrepreneurship.$175,000$25,000$17,000$7,500 +6CAMDEN NATIONAL CORPORATION|2020 ESG REPORT+Donations and employee volunteerismOur community investment includes philanthropic donatio

38、ns,contributions made in the spirit of CRA,and sponsorships that strengthen the well-being of our towns and neighborhoods.In 2020,we donated to a variety of registered nonprofits across our footprint.In response to the pandemic,we also focused funds on organizations supporting those experiencing hom

39、elessness,domestic abuse,and food insecurity in our communities.In 2020,due to the impact of the pandemic on in-person activities,our employees logged approximately 6,000 volunteer hours.Were proud of how our employees creatively shared their energy and expertise with a wide array of programs and or

40、ganizations.Many of these volunteers bring important skill sets to nonprofit boards and help advance nonprofit organizations while also fulfilling our CRA commitment.Providing financial flexibility for customers in needThis past year,our employees stepped up in impressive ways to provide guidance an

41、d support for individuals,families,and businesses facing financial hardship as a result of the pandemic.Our business and commercial banking teams assisted business customers with access to government sponsored support,including state and federal lending assistance programs,such as those offered by t

42、he Finance Authority of Maine(FAME)and the U.S.Small Business Administration(SBA).Throughout 2020,we supported more than 3,000 small business customers with SBA Paycheck Protection Program(PPP)loans,representing$245 million in relief funding.Ninety percent of those PPP loans were$150,000 or less,mak

43、ing it possible for the smallest of small businesses to stay afloat during a very challenging time.In 2020,FAME presented us with the“Lender at Work for Maine”award.This was our 11th time as a FAME awardee,and during the prior year,we were proud to partner with FAME on 30 loans totaling approximatel

44、y$3.8 million,helping to create and retain 408 Maine jobs.We also created a special COVID-19 payment relief program(March-December 2020)to provide short-term deferments to qualifying customers.Through this program,we assisted approximately 1,500 total customers with business and/or personal loan pay

45、ment deferrals,providing flexibility to those in need due to the financial impact of the pandemic.Serving all customers and communitiesTo address the needs of a diverse customer base and to promote access to mainstream banking,we offer a comprehensive suite of financial products and services for con

46、sumers,small businesses,and commercial customers.These include basic banking products with no or low monthly maintenance fees so we can serve individuals who are just entering the banking system and customers +7CAMDEN NATIONAL CORPORATION|2020 ESG REPORT+2020 DonationsHealth&WellnessCharitiesArtsCom

47、munityYouth&EducationHopeHomeEconomic Developmentwho are looking to reestablish a banking relationship after experiencing banking challenges in the past.All of our products and services are readily accessible and delivered throughout our footprint via 58 banking centers,66 ATMs,our Customer Care Cen

48、ter and business banker teams,and robust digital banking tools.Our Customer Care Center is available 24 hours a day,seven days a week,to assist with customers questions and concerns by phone,secure online chat,and email.In addition,we continue investing in our digital banking platforms and services,

49、so that customers are able to bank anywhere,at any time,whether they live five miles from a banking center or across the country.Our marketing philosophy and policy require us to provide product and service information that is clear,comprehensive,and accurate.All marketing materials are reviewed by

50、our compliance team to be sure we meet legal and regulatory requirements.Creating an energized,engaged workplace cultureWe dedicate time and resources to continue building a culture that will attract and retain top talent.When employees first join the bank,they attend a New Hire Orientation to meet

51、senior leaders,hear from different areas of the business,and learn more about our workplace culture,differentiators,and focus.All employees are also required to review and acknowledge annually an online course called Our Camden Commitment,which outlines our values and policies with key information a

52、nd specific examples.Partnering with global analytics firm Gallup,we regularly survey our employees for their feedback on the fundamental elements of engagement in the workplace.In 2020,89%of our employees participated in the voluntary engagement survey,which saw the CAMDEN NATIONAL CORPORATION|2020

53、 ESG REPORT+highest score since its inception in 2014(based on aggregate responses to 16 questions).Over the course of the past year,we also conducted several special pulse surveys in response to COVID-19,so we could be sure to check in with employees in real time and address any issues.We aim to co

54、ntinue creating a culture of actively engaged employees and believe that,as a result of our investments in this area,our employees are able to enjoy personal and professional growth.We also celebrated employees during our employee appreciation week in September.The annual event was held virtually,an

55、d we were able to recognize our employees for their hard work and dedication over the past year.Thirteen employees received Commitment Awards for their outstanding dedication to our customers,communities,employees,and shareholders.Two individuals received the Employee of the Year Award,our most pres

56、tigious recognition,given to recipients who emerge as natural leaders in all award categories and demonstrate an outstanding commitment to our vision,core values,and constituents.Supporting employee health and wellnessWe are committed to our employees health and well-being and provide competitive me

57、dical,dental,and vision programs,some of which are offered to +8Our employee engagement survey saw the highest score since its inception in 2014.+9CAMDEN NATIONAL CORPORATION|2020 ESG REPORT+employees at no cost.In 2020,senior leaders from across the bank led our swift and evolving pandemic response

58、,ensuring that the highest safety measures were in place as an essential business.Sixty percent of employees quickly shifted to remote work with the help of our Human Resources and Information Technology teams ensuring effective at-home work setups.At our banking centers and office areas,we establis

59、hed a number of safety protocols,including hand sanitizer,face coverings,and physical distancing requirements,along with enhanced cleaning and daily health checks.We are also actively planning for the time when COVID-19 vaccines will be available for our employees,and to encourage participation,we p

60、lan to provide employees with paid time to receive their vaccine.$100,000added to our Emergency Assistance Program to support employees with pandemic-related needs.$1.1 millioncontributed to employee Health Savings Accounts as part of our holistic health benefits program.$23,000+in reimbursements ma

61、de for gym and fitness classes to support healthy employee lifestyles.$+Creating a safe,welcoming workplace cultureThrough our commitment to fostering a fair,safe,and welcoming workplace environment for all,we aim to maintain a culture that enables our employees to be their best in serving our custo

62、mers and communities,while achieving business success.Through company-wide education,strong human resources policies,and communications efforts,we work to ensure that our workplace is safe for all and supports a culture where people feel they can report incidents that threaten that safety.In our Sta

63、keholder Handbook,which all employees review and acknowledge annually,we outline our Harassment and Retaliation Policy.In addition,we have a confidential whistleblower program that forwards complaints to the audit committee and the Board of Directors,and we work to take necessary action as quickly a

64、s possible after a complaint is received.We also provide an Employee Assistance Program with confidential support for victims of harassment or for employees who need counseling through any kind of issue.To ensure workplace safety and preparedness,all employees take annual active shooter awareness tr

65、aining.Our banking center staff is further trained on best practices in procedures for opening and closing,robberies,hostage situations,bomb threats,alarm responses,and evacuations.Embracing diversity of all kindsWe believe we all have a responsibility to embrace diversity and create equality,inclus

66、ion,and safety at our company and in our communities.As outlined in our Stakeholder Handbook under Equal Employment Opportunities,we prohibit discrimination on the grounds of race,color,religion,sex,sexual orientation,including gender identity and gender expression,national origin,citizenship status

67、,age,disability,genetic information,or veteran status.We employ based on talent and potential for growth,and we value a diversity of backgrounds and ideas.We are also a member of the Diversity Hiring Coalition through the Society for Human Resource Management.In 2020,40%of our Board members and 50%o

68、f the executive management team were women.Our goal is to enhance our efforts to promote an inclusive culture,foster cultural awareness to unleash the full potential of our workforce,and fully leverage diversity as a key differentiator between us and our competitors.We also strive to support organiz

69、ations serving diverse populations across our footprint and working to make our communities more equitable and inclusive for all.In 2020,we provided charitable donations to nonprofits supporting women and minorities,including the Maine Womens Fund,the Olympia Snowe Womens Leadership Institute,Junior

70、 Achievement of Maine,Big Brothers Big Sisters of Mid-Maine and Southern Maine,Coastal Enterprises Inc.(CEI),and more.In 2021,we have also pledged sponsorship support for a local New Mainer Teller Training Program,run by Portland Adult Education,to help foreign-trained professionals gain entry into

71、the financial services industry in Maine by CAMDEN NATIONAL CORPORATION|2020 ESG REPORT+1050%of our executive management team members are women.training them as bank tellers.Our Human Resources department is working closely with Portland Adult Education on this vital partnership.Maintaining open lin

72、es of communicationIn order to educate and empower our employees,we maintain open lines of communication between all levels of employees and senior leadership.Employees receive regular company-wide emails from our president&chief executive officer,and we host quarterly all-employee conference calls

73、to discuss financial performance and achievements.Through our ongoing Camden Connect program,employees also have the opportunity to meet with members of the executive team in small groups,to discuss our vision and strategy and offer their input.As part of our CamdenCircle customer experience program

74、,employees are also encouraged to submit their feedback and ideas for making the customer and employee experience better.In 2020,employees submitted more than 200 ideas through our online portal for review and consideration by different In 2020,a record 48%of all open positions were filled by intern

75、al candidates.+We offer employees a robust tuition reimbursement benefit to help reduce the financial stress of ongoing education and encourage our employees to build new knowledge and skills.We also encourage employees to pursue certificates,and we offer professional designation reimbursements to h

76、elp them be knowledge leaders in their area of the company.Through the American Bankers Association and the Center for Financial Training,we provide employees with access to a catalog of classes that are taught locally and online to help increase banking knowledge.In 2020,30 high-potential leaders(6

77、0%being women)participated in our Horizons 100 and 200 leadership development programs,which bring future leaders together to hone their leadership skills,teach them to work well with others to achieve key outcomes,and help them better understand our business.Certificates and ReimbursementLeadership

78、We require our employees to learn how to ensure customer privacy,prevent fraud,and stay up-to-date on federal and state banking regulations that impact their work,as well as regulations impacting employment law,such as sexual harassment laws and the Americans with Disabilities Act.We actively track

79、our compliance training through the ABA Learning Management System.We require a passing score of 80%or higher on all compliance courses to be sure our employees have read and understood the material.Online Learning departments across the bank,bringing the total number of employee ideas submitted up

80、to 625 since the portal opened in 2017.This program provides a mechanism for supporting employee innovation and idea-generation at all levels of the bank.Total rewards employee compensation practicesOur“total rewards”employee compensation program aims to attract,retain,and reward high-performing tal

81、ent at all levels through a pay-for-performance philosophy.Our pay practices have strong governance processes,including a review of competitive market data from several proprietary surveys each year,many specifically related to the banking industry.Annual merit increases are assessed to ensure that

82、decisions are made without bias against any group.Investing in education,training,and leadership developmentEach year,employees create a set of team and individual goals that we track throughout the year.These goals help measure our progress,accomplishments,and areas of improvement.Employees are als

83、o encouraged to create an Individual Development Plan to map out short-and long-term professional goals with tactics to achieve them.Managers and our Human Resources team support employees through this process.We strive to provide a multitude of opportunitiesboth at the bank and through external pro

84、gramsfor employees to grow,learn,and develop.CAMDEN NATIONAL CORPORATION|2020 ESG REPORT+1117,000 hours were spent on employee training and development programs in 2020.Our Board of Directors and executive management team are committed to setting the tone,expectations,and corporate culture from the

85、top,and we believe in the importance of sound and effective corporate governance for responsible growth.The Board provides oversight,support,and guidance to all constituents and plays a vital role in our shared success.Board directors are our customers,advocates,and advisors,which makes us a stronge

86、r financial institution and community leader.Board compositionOur Board of Directors currently consists of 10 members.Under our Articles of Incorporation,the Board is divided into three classes:two classes of four directors each and a class of two directors,with one class of directors standing for e

87、lection each year.At the Annual Meeting,nominated directors will be elected to serve for a term of three years and until each such directors successor is duly elected and qualified.Board diversity,independence,and expertiseWe seek to have a Board composed of diverse directors with a variety of exper

88、ience in business and in areas relevant to the company.Currently,40%of Camden National Corporation Board directors are women,and 80%of directors bring financial services industry knowledge.Our directors possess the highest personal and professional ethics,integrity,and values,and they are committed

89、to representing the long-term interests of the shareholders.Additionally,the Governance and Risk Committee has begun a process to review the Boards diversity,equity,and inclusion efforts,working with leading consultants to guide us through this important work.The role of chair of the Board is held b

90、y an independent,non-executive director,Lawrence J.Sterrs,who has served as chair since 2017.Additionally,90%of our directors are independent,and all Board committees are chaired by independent directors.Code of Business Conduct and Ethics and Code of Ethics for Financial OfficersAll employees are b

91、ound by the provisions set forth in the Code of Business Conduct and Ethics relating to,among other topics,ethical conduct,conflicts of interest,and compliance with laws and regulations.The Board has also adopted a separate Code of Ethics for Financial Officers that supplements the Code of Business

92、Conduct and Ethics and applies to the companys CEO,chief financial officer,and controller,as well as all financial officers and internal audit officers.The Code of Business Conduct and Ethics and the Code of Ethics for Financial Officers can be found on the Investor Relations section of our website

93、at .Risk management practicesWe are committed to creating a strong risk management culture,supported by a risk governance process as well as ongoing employee education and training.Our robust information security program and suite of SecurityPolicies are focused on cybersecurity,encryption,and prote

94、ction of customer data privacy and are overseen by the Board of Directors.Through open communication and training,all employees are responsible for adhering to best practices in risk,information privacy,and cybersecurity.+12CAMDEN NATIONAL CORPORATION|2020 ESG REPORT+GOVERNANCE REPORT +90%of directo

95、rs are independent 40%of directors are women80%of directors have tenure over five years80%of directors have financial services industry knowledgeBoard DiversityCamden National CorporationIn order to deliver a first-in-class experience for customers,we partner with third-party vendors to provide prod

96、ucts and services.We employ a comprehensive vendor management program that assesses vendor risks and holds vendors accountable for contracted services.The risk-based program evaluates many facets,including but not limited to the vendors operational risk,financial risk,security policies,control envir

97、onment,and overall stability to ensure alignment with our internal practices.Every vendor is reassessed on a recurring basis.To continue learning more about best practices in our industry,we are actively engaged with the Maine Bankers Association and the American Bankers Association.Many of our empl

98、oyees participate on committees,benefit from education and training,and influence public policy and government relations at the state and federal levels on these topics.Engaging shareholders and customersWe have a long-standing commitment to transparency in communicating our financial performance an

99、d strategic objectives to current and potential shareholders.Our primary methods of communicating with the investment community include quarterly earnings releases,earnings conference calls,and an annual report,all available to the general public;publicly available filings with the U.S.Securities an

100、d Exchange Commission;current reports on Form 8-K;and active participation in investor conferences hosted by brokerage firms and industry groups.Our governance structure and processes promote corporate transparency,ethical business practices,and open lines of communication among the Board,senior lea

101、dership,and employees:Our business ethics officer provides the executive management team and the Board with the necessary information to act appropriately in instilling and maintaining our ethics culture.Our Stakeholder Handbook and our Code of Business Conduct and Ethics provide examples of various

102、 scenarios to help clarify privacy situations,conflicts of interest,and more.Employees review and electronically acknowledge these documents annually to demonstrate that they have read and understood the material.Our employees are encouraged to report to their manager or call our confidential,safe,a

103、nd secure Business Ethics Hotline to anonymously report fraud,abuse,or other information that they want to remain confidential.In our Stakeholder Handbook under Internal Reporting and Anti-Retaliation,we outline our policies prohibiting retaliation against employees who report misconduct.The chief e

104、xperience&marketing officer leads our ESG efforts.Our corporate documents are publicly available on the Investor Relations section of our website .CAMDEN NATIONAL CORPORATION|2020 ESG REPORT+13Guided by our core values,our strong Board of Directors and executive management team are committed to crea

105、ting a welcoming,inclusive corporate culture.About Camden National CorporationCamden National Corporation(NASDAQ:CAC)is the largest publicly traded bank holding company in Northern New England with$4.9 billion in assets and approximately 610 employees.Camden National Bank,its subsidiary,is a full-se

106、rvice community bank founded in 1875 in Camden,Maine.Dedicated to customers at every stage of their financial journey,the bank offers the latest in digital banking,complemented by personalized service with 58 banking centers,24/7 live phone support,66 ATMs,and lending offices in New Hampshire and Ma

107、ssachusetts.Comprehensive wealth management,investment,and financial planning services are delivered by Camden National Wealth Management.To learn more,visit .Member FDIC.Equal Housing Lender.+LEADERSHIP+Executive ManagementGregory A.DufourPresident&CEO,Camden National Corporation and Camden Nationa

108、l BankJoanne Campbell EVP,Risk ManagementBill Martel EVP,Technology&Support ServicesJennifer Mirabile EVP,Managing Director of Camden National Wealth ManagementTim NightingaleEVP,Chief Credit OfficerHeather Robinson SVP,Chief Human Resources OfficerTrish Rose EVP,Retail&Mortgage BankingRyan SmithEVP

109、,Commercial BankingRene Smyth EVP,Chief Experience&Marketing OfficerGreg White EVP,Chief Financial OfficerBoard of DirectorsLawrence J.Sterrs,ChairBoard Chair,UniTek/UniTel&Chair CEO,Unity Foundation+Ann W.BresnahanCivic Leader+Craig N.DenekasTrustee,Chairman and CEO,Libra Foundation Gregory A.Dufou

110、rPresident&CEO,Camden National Corporation and Camden National Bank+David C.Flanagan President,Viking Lumber Inc.+S.Catherine LongleyEVP and COO,The Jackson Laboratory Marie J.McCarthy Chief Operations&People Officer,L.L.Bean+Robert D.MerrillPresident,Merrill Furniture+James H.Page,Ph.D.Retired Chancellor,University of Maine System Robin A.Sawyer,CPA Retired Vice President of Corporate Finance and Corporate Controller,Wex Inc.+Carl J.SoderbergPresident,Soderberg Company Inc.+Camden National Corporation+Camden National BankCAMDEN NATIONAL CORPORATION|2020 ESG REPORT+14