Fidelity National Financial Inc. (FNF) 2020年CSR報告「NYSE」.pdf

1、SUSTAINABILITY REPORT2020TABLE OF CONTENTSCEO Letter 22020 At-A-Glance 4About FNF 6 Company Overview 6 Our Approach to ESG 12Protecting Homeowners 14 The Economic Value of Home Ownership 14 The Importance of Title Insurance and Property Rights Protection 16 Consumer Protection from Fraud 18 Protecti

2、ng Consumer Data 22Environment 24 Environment Management 24 Our Digital Strategy to Drive Industry Sustainability 30Social 32 Our Employees 32 Diversity&Inclusion 38 Communities&Philanthropy 40 COVID-19 44Governance 45 Board of Directors&ESG Oversight 45 ESG Risk Management 48 ESG Due Diligence 49 E

3、nterprise Risk Management(ERM)50 BusinessContinuityOffice(BCO)51 Ethics 52 Data Privacy&Cybersecurity 54FNF Data Tables 56Fidelity National Financial2CEO LETTERAt Fidelity National Financial(“FNF”),our mission is to advance,expand,and protect the life-changing experience of home ownership.To do this

4、,we bring to market a reimagined,trusted,and transparent experience for agents,buyers,and sellers.But our commitment extends far beyond just the process of buying or selling a home or commercial real estate.FNFs work to address Environmental,Social and Governance(“ESG”)issues is integral to who we a

5、re as a company and is foundational to our success.A sustainable future is imperative to FNFs long-term growth and to the well-being of our operations.For this reason,our Company and our board are committed to addressing ESG issues to better serve our employees,business partners,and the communities

6、that our clients and policyholders call home.Building a sustainable business starts with being transparent about our business practices,corporate governance,environmental impact,and our commitments to our employees,customers,and communities.In 2019,we shared our inaugural Sustainability report.In 20

7、20,we continued to enhance our ESG efforts with the backdrop of COVID and other societal challenges driving renewed commitment towards our ESG strategy.We are pleased to share our progress on these key initiatives in this report.Our commitment to ESG focuses on:Protecting Homeowners:The safety and s

8、ecurity of our homeowners is our top priority.This means ensuring rigorous information security and internal auditing protocols,and monitoring to help ensure the safety of funds and private information when it is in our custody.We are also always working hard to educate and protect consumers from fr

9、aud,and in 2020,we continued to enhance our fraud prevention programs.2020 Sustainability Report3Preserving the Environment:FNF works to integrate environmental management practices into our operations,especially at our facilities.From efforts to monitor and reduce our carbon footprint,eliminating t

10、he use of water bottles,and participating in recycling programs,all of our locations are working to reduce our environmental impact.As part of a traditionally paper-intensive industry,we have implemented customer-focused technology to drastically reduce the amount of paper needed in real estate tran

11、sactions,and to move the title insurance industry in a more sustainable direction.Supporting Our Employees and Communities:Our employees are our greatest asset,and we are committed to providing opportunities for them to expand their knowledge base and develop opportunities for advancement.We are com

12、mitted to building a diverse and inclusive workplace,and we believe that the diversity of our employees allows us to better connect to our clientele.With over 1,300 locations throughout the United States and Canada and over 21,000 employees living in these areas every day,we have a deep reach into t

13、hese communities.Through local community involvement,corporate initiatives,and philanthropic giving as well as an active community volunteer ethos we work hard each day to supportthecommunitieswealllivein.In2020,ourcountryandtheworldfounditselfinasignificantbattleagainst COVID-19,and our focus has b

14、een the health and safety of our employees and their families,our customers,and our communities.Operating Ethically:Our reputation for integrity is one of our most important assets and each of our employees and directors is expected to contribute to the care and preservation of that asset.We operate

15、 in ways that are fair,transparent,and compliant with all applicable regulations.We implement strong governance practices,policies,training,and reporting avenues to encourage and promote that all employees adhere to the highest standards for business integrity.We know this work never stops and toget

16、her,we will continue to make an impact.Sincerely,Raymond R.QuirkFidelity National FinancialNAMEFidelity National Financial,Inc.(FNF)INDUSTRYFinancial Services&InsuranceHEADQUARTERSJacksonville,FLWORLDWIDE EMPLOYEES27,0581LOCATIONSOver 1,300 locations throughout the United States,Canada,and IndiaREVE

17、NUE$10.8 billion in total revenue in 2020 Named to the FORTUNE 500 for 13 of the past 14 years Selected by Forbes as one of Americas Best Employers for Veterans for 2020 Named by Forbes to the Global 2000 for 2020 Selected by Forbes as one of the Worlds Best Employers for 2019#1 market share in the

18、residentialpurchase,refi-nance,and commercial marketsIn 2020,we opened and handled over 2.9 million transactionsOur Fraud Insights program allows employees to share how they have detected and prevented fraud and forgeryin their daily transactionsand offers them a monetary incentive when preventive a

19、ctions are taken resulting in the avoidance of a fraud scheme.Highest ranked company in the title insurance in-dustry on the FORTUNE 500(ranked 375)Rigorous information security and internal auditing protocols and monitoring to help ensure the safety of funds and private information whenit is in our

20、 custodyFidelity National Financial41 As of January 31,2021 AWARDS2020AT-A-GLANCEUnless otherwise noted,this data is current as of December 31,2020.COMPANY OVERVIEWPROTECTING HOMEOWNERS2020 Sustainability ReportEnviro impacts:Carbon FootprintIn 2020,despite the challenges of COVID,we retained over 7

21、8%of our U.S.workforce.In 2020,80%of our U.S.workforce worked from home during the COVID-19 pandemic.In 2020,over 71%of FNFsU.S.workforce was female.In 2020,FNFs corporate emissions footprint was 2,452 tons CO2e,a 16.5%decline from the previous year.In 2020,FNFs corporate electricity consumption was

22、 5.3 million kWh,a 16.5%decline from the previous year.In 2020,FNFs water consumption was 8 million gallons,a 14.8%decline from the previous year.In 2020,FNFs total waste footprint was 56 tons of waste,a 48.6%decline from the previous year.At the same time,FNF increased recycled waste by 45.5%.ESG o

23、versight is formalized at the board level through our audit committee.In 2020,20%of our board members were women.ElectricityWasteWater2020 Sustainability Report5ENVIRONMENTSOCIALGOVERNANCEFidelity National FinancialProfileFidelity National Financial is the leading provider of title insurance and set

24、tlement services to the real estate and mortgage industries.FNF is the nations largest title insurance company through its title insurance underwriters Fidelity National Title,Chicago Title,Commonwealth Land Title,Alamo Title and National Title of New York that collectively issue more title insuranc

25、e policies than any other title company in theUnitedStates.Wearethemostdiversifiedcompetitorinthetitleinsurancespacefrom the geographic,product,and revenue channel perspectives.Outside of our main product,the title insurance policy,we also offer closing and escrow services,as well as other title-rel

26、ated services.Our goal is to help lenders,builders,developers,attorneys,and real estate professionals grow and succeed.We are also a provider of annuity and life insurance products through our wholly-owned subsidiary Fidelity&Guaranty Life Insurance Company(“F&G”).FNF is consistently recognized as a

27、n industry leader by highly respected organizations.Accolades bestowed on the Company over the past decade include:Named to the FORTUNE 500 on an annual basis Highest ranked FORTUNE 500 in the title insurance industry Forbes Americas Best Employers for Veterans for 2020 Forbes Global 2000 for 2020 F

28、orbes Worlds Best Employers for 2019 Forbes Americas Largest Public Companies for 2018Ourcorporateofficesarelocatedat601 Riverside Avenue,Jacksonville,Florida 32204.ABOUT FNFCOMPANY OVERVIEW62020 Sustainability Report7Fidelity National FinancialCorporate PreceptsAt FNF were committed to upholding ou

29、r companys six core principles,which are foundational to FNFs success:Provide employees with levels of authority based on their responsibilities,then empower them to make decisions and resolve problems as close as possible to the point of client contact.Analyze tasks,reach decisions,and implement so

30、lutions as soon as possible.Challenge all assumptions and strive continuously for improvement.Be accessible,responsible,and decisive.Take ownership of all problems and accept all challenges.Offer clients meaningful,customized products and services,the expertise and passionforfindingsolutionsto custo

31、mers problems,and the desire to establish long-term business relationships based on a mutual exchange of value.Autonomy andEntrepreneurshipBias for ActionCustomer-Orientedand Motivated12382020 Sustainability ReportMaintain a lean management structure in which performance,productivity,and problem res

32、olution are the priorities,as well as the basis,for success and achievement.Encourage employee ownership of Company stock to strengthen employee commitment and ensure a common purpose among shareholders,management,and employees.Adhere to all related laws,regulations,and principles of conduct to prot

33、ect the publics trust,ensure conscientious performance,and preserve the Companys legacy of honesty and strong ethical standards.Minimize BureaucracyEmployee OwnershipHighest Standard ofConduct456CORPORATE PRECEPTS9Fidelity National FinancialFinancial StrengthWe are the nations largest family of titl

34、e insurance companies and underwritersandaleaderinfinancialstrength.Asagroup,ourtitleinsurance underwriters issue more title insurance policies than any other company in the United States and collectively hold the top spot in market shareineachofthetopfiveresidentialrealestatestates.102020 Sustainab

35、ility ReportThe nations largest title insurance and settlement services companyMost diversified competitor from a geographic,product,and revenue channel perspectiveFNF holds the#1 or#2 market position in 43 states$5.7 billion title and corporate segment investment portfolioRanked#375 on the 2020 FOR

36、TUNE 500 List/Highest ranked company in the title insurance industry on the FORTUNE 500(ranked 375)#1 market share in the residential purchase,refinance,and commercial markets$9.4 billion in total title revenue in 2020The opening and handling of over 2.9 million transactionsin 2020Here are a few of

37、the ways we lead the industry in financial strength:11Fidelity National Financial12OUR APPROACH TO ESGFNF recognizes that in our rapidly changing global economy,the management of ESG risks and opportunities is important for our long-term business success.Our Company and our board are committed to ad

38、dressing ESG issues to better serve our employees,business partners,and the communities where we live and work.As the nations largest title insurance and settlement services company to the real estate and mortgage industries,FNFs aim is to advance,expand,and protect the life-changing experience of h

39、ome ownership,while mitigating risk and managing our business in an environmentally responsible,socially responsible,and ethical manner.To honor that commitment at the highest levels of the Company,our management team leads our ESG efforts.Our audit committee reviews these efforts and reports these

40、efforts to the board of directors.FNFS MISSIONMitigate risk while managingour business in an environ-mentally,socially,and ethically responsible mannerAdvance,expand,andprotect the life-changing experience of home-ownership2020 Sustainability Report13Fidelity National FinancialPROTECTING HOMEOWNERST

41、HE ECONOMIC VALUE OF HOME OWNERSHIPThe housing sector is one of the largest and most important sectors of the U.S.economy.In addition to providing shelter,housing provides millions of Americans with jobs and generates hundreds of billions of dollars of economic output each year.Home ownership is als

42、o one of the key factors in upward mobility.The state of the housing industry is a good barometer of the overall health of the U.S.economy.Healthy home price appreciation,in combination with robust sales,provides a strong tax base for local governments.Property taxes are the largest source of revenu

43、e for counties,cities,townships,school districts,and special districts such as water and sewer districts.In early 2020,the unprecedented COVID-19 global pandemic began to affect every part of our lives,including the U.S.housing sector.As states began to enact stay-at-home and shelter-in-place orders

44、 and the U.S.economy began to plunge into a recession,the government began to designate industries as“essential”because of their critical roles in the infrastructure of our nation and economy.On March 22,2020,14The housing sector accounts for 15-18%of our nations Gross Domestic Product(GDP).-Nationa

45、l Association of Home Builders8/10 of the largest housing spending components increased during 2019,including food,transporta-tion,and housing.-Bureau of Labor Statistics2020 Sustainability Report15the United States Secretary of the Treasury,Steven Mnuchin,issued a memo designating the financial ser

46、vices sector as aCritical Infrastructure Sector,which included title and settlement services companies.This move underscored the importance of not only the housing sector,but also the title and settlement services industry to the American economy.At FNF,we went to work ensuring business remained as

47、close to usual as possible for our policyholders.We pivoted to remote work while maintaining the efficiency of our claims handling,underwriting,and closing processes.We continued to serve our pipeline of existing and new customers through innovation and technology,such as video conferencing and digi

48、tal closing options.Fidelity National FinancialTHE IMPORTANCE OF TITLE INSURANCE AND PROPERTY RIGHTS PROTECTIONTitle insurance plays a key role in the U.S.economy by insuring the secure transfer of real estate and facilitating the growth of homeownership.For many families,their home is the single la

49、rgest investment that they will make in their lifetimes.However,as ownership of a piece of property changes through time,there are many places where rights or claims to that property may arise,including from previous owners,their family or heirs,contractors,creditors,or governmental authorities like

50、 the Internal Revenue Service.The real estate may be sold without the knowledge of the party having a right or claim to the property.In addition,home buyers may purchase the real estate without having any knowledge of these rights or claims.In either event,these rights or claims remain attached to t

51、he title to the property until they are extinguished.An owners title insurance policy,like those we issue in connection with the closing of a real estate transaction,is the best way for property owners to protect themselves from losing their property due to unforeseen or unexpected title claims.Unli

52、ke other types of insurance,title insurance protects against past problems instead of future risk,such as the previous owners debt,liens,or other claims of ownership that may have been in place prior to the purchase of the home.Sometimes undiscoverable defects,forgery,fraud,or clerical errors can co

53、me up after the title search.Homeowners depend on the strength and security of a reputable title insurance company to protect their investment for years to come.162020 Sustainability ReportCommercial real estate involves complex transactions and complicated title histories,involving high risks for t

54、he buyer,seller,and lender who have a vested interest in the transaction.During the title search process,defects such as forgeries,errors in public record,liens/encumbrances,and survey issues are uncovered and corrected.As a title insurance underwriter,we protect the rights of the insured both resid

55、ential and commercial property ownersagainstunexpectedlegalandfinancialclaimsthatmayarise after closing.17Fidelity National Financial182020 Sustainability ReportCONSUMER PROTECTION FROM FRAUDThe ability to conduct transactions electronically is a sustainable business practicethatofferconsumersconven

56、ienceandefficiency,whilereducingenvironmental impact.However,it does not come without risks.Wire fraud is one of the fastest growing cybercrimes in the U.S.,according to the National Association of Insurance Commissioners.The Federal Trade Commission reported that consumers lost$439 million from wir

57、e fraud in 2019 alone,2 the most of any payment method reported.Real estate transactions are often the biggest targets because they include multiple parties:buyer,seller,real estate agents,mortgage lenders,and title,closing,and settlement agents.Fraudsters may seek out transactions ready to close,ha

58、ck into accounts,and use that information to lure buyers into wiring them money.Historically,email has been the primary workspace of residential real estate transactions,but this comes with inherent risks.Consumers and real estate agents may not have taken the proper steps to protect their email aga

59、inst badactorswhowanttoinfiltratethistreasuretroveofpersonaldataandaccess it with the intent to defraud an unsuspecting homebuyer or seller.At FNF,we have a number of programs in place to protect consumers from wire fraud and educate them about the risks and dangers of conducting transactions electr

60、onically.2 https:/www.ftc.gov/system/files/documents/reports/consumer-sentinel-network-data-book-2019/consumer_sentinel_network_data_book_2019.pdf19Fidelity National FinancialWireSafe and Start inHere ProgramsThe WireSafe program educates consumers about wire fraud and informs them what they can do

61、to keep themselves safe when buying or selling a home.FNFs Start inHere digital opening process reduces the dependency on email and introduces the consumer to an authenticated digital portal.This portal requires multifactor authentication to identify the user and mitigates risk associated with colle

62、cting information as part of the home sale or purchase.Mobile Deposit+202020 Sustainability ReportFraud Prevention AwarenessOur Fraud Insights program allows employees to share how they have detected and prevented fraud and forgery in their daily transactions.We offer our employees a monetary incent

63、ive when preventive actions are taken resulting in the avoidance of a fraud scheme.These employees are also featured in a monthly Fraud Insights newsletter.This program,which was launched in 2006,is an excellent educational resource and motivation to help our employeescontinuouslylookoutforfraudandf

64、orgeryredflags.Through the diligence of our employees and our wire fraud prevention program instituted in 2017,we have also been able to focus increased efforts on educating consumers and clients on business email compromise and wire fraud.This educational effort has reduced the number of successful

65、 instances of wire fraud and helped the Company to quickly reactwhenwirefraudisidentifiedand reported.21Fidelity National FinancialProtecting Consumer DataPart of the role of a title company is to safeguard the funds of all parties during the execution and closing of a real estate transaction.FNF fo

66、llows rigorous information security and internal auditing protocols and monitoring to help ensure the safety of our customers funds and private information when it is in our custody.FNF collects personal information from its customers in the normal course of providing title,settlement,mortgage,and r

67、eal estate-related services.We take the privacy and security of our customers information seriously.We maintain several layers of safeguards to protect personal information,including administrative,technical,and physical controls to restrict access to and secure this information.These safeguards inc

68、lude employee training on the importance of protecting the privacy and security of personal information as well as regular monitoring and testing of our infrastructure toconfirmtechnicalsafeguardsareoperatingasintended.222020 Sustainability Report23We take the privacy and security of our customers i

69、nformation seriously.“Fidelity National Financial24ENVIRONMENTAL MANAGEMENTAsatitleinsurancecompany,ourenvironmentalimpactasafirmisrelativelysmalldue to the services nature of our insurance business.However,FNF recognizes the importance of conducting business in an environmentally responsible manner

70、 and integrating environmental management practices into our operations,especially at our facilities.For example,we maintain leases in LEEDcertifiedbuildings.Wealsoencourage our employees to incorporate sustainable solutions wherever possible,and we have programs and initiatives in place directed at

71、 reducing environmental impactsthroughenergyefficiency,waterconservationandwastemanagement.ENVIRONMENTClimate Change and Energy UseAt FNF,we recognize that climate change poses risks to our business and the communitieswhereweliveandwork.Climaterisksareinextricablylinkedtofinancialrisks in the global

72、 real estate sector.As such,we are committed to mitigating the climate impacts of our business,aligned with our values of protecting home ownership for current and future generations.Today,our climate strategy is tied to initiatives within our operational control at our Jacksonville headquarters.202

73、0 Sustainability Report25Use energy-efficient LEDs,CFLs,and motion sensors in offices and hallwaysReplace aging equipment with energy efficient alternativesRetrofit lighting in parking garages with LEDs to reduce parking garage energy consumption by up to 50%Use Energy Star technologies in datacente

74、rsAtFNFsJacksonvillehomeofficecampus,weareworkingtoreduceourcarbonfootprint:Our Jacksonville campus reduced Scope 1 and 2 emissions in 2020 compared to 2019.We reduced the amount of electricity used on our corporate campus by over 1 million kilowatt-hours(kWh),or 16%in 2020 compared to2019.Althoughs

75、omeofthisreductionisattributedtoreducedofficecapacityduringCOVID-19,wearestillexcited for this achievement and strive to continue our progress towards improving our corporate footprint.20192,9362,452CORPORATE EMISSIONSEmissions(tCO2e)-16.5%20196,300,4145,261,852CORPORATE ELECTRICTYCONSUMPTIONElectri

76、city(kWh)-16.5%Fidelity National FinancialWaste ManagementWe work to reduce waste,and where we do produce waste in our operations,we seek to dispose of that waste in an environmentally responsible manner.Here are some of the ways we are working to reduce waste:26National Digitize records management.

77、Partner with sustainable vendors to dispose of IT equipment and other materials in an environmentally friendly manner:Our information technology asset disposal(computers,monitors,servers,mobile devices)vendor is eSteward certified and manages the waste stream of thousands of pounds of electronics re

78、tired by FNF and ServiceLink each year.Another partnercommitted to shred-ding and recycling in an environ-mentally responsible manner,and our waste disposal provider utilizes single stream recycling.JAX Campus At FNFs Jacksonville home office campus,we are working to reduce our paper and waste:Drast

79、ically reduce paper across opera-tions through paperless initiatives,which were started in 2010.Eliminate water bottles.Participate in recycling programs.Discontinue the use of Styrofoam and provide reusable cups and lunch containers for purchase in our cafeteria.Use Certified Green Seal paper produ

80、cts and eco-cleaning products.Total WasteNon-Recycled Waste-59.2%2020 Sustainability Report27CORPORATE WASTEWaste(short tons)48.6%201910956Recycled Waste+45.5%20191116Fidelity National FinancialReduce Water ConsumptionAt FNFs Jacksonville home office campus,we alsotake a responsible approach to wate

81、r conservation and consumption,including:Usewaterflowrestrictorsinbreakroomsandrestrooms;Usesoil-moisturemanagedcampusirrigation;Usenativeordroughtresistantplantmaterial;and Abide by a no-concrete watering policy.2820199,441,0008,040,000CORPORATE WATERCONSUMPTIONWater Consumption(gallons)-14.8%Energ

82、y Savings16,882,920 kWhEquivelent to1,322 HouseholdsGreenhouse GasReduction3,005,998 kg of CEEquivelent to removing 2,161 cars from the road for a yearHazardous WasteReduction17,031 kgEquivelent tothe weight of 138refrigeratorsAir EmissionReduction11,488,640 kgEquivelent to10,746 metric tonsof air e

83、missionsWater EmissionReductionEquivelent to90,620 kg ofwater emissionsSolid WasteReduction120,396 kgToxic MaterialReduction193 kg2020 Sustainability ReportFNF 2020 Reuse and Recycling StatisticsReused and Recycled amounts are reflected on an equivalent basis based on the devices retired and process

84、ed by our vendor in 2020.CPUsMobilePhonesLCDsReused-2605Recycled-477Reused-2345Recycled-787Reused-619Recycled-221Reused-86Recycled-212Total Reused-5665Total Recycled-1697LaptopsTotal29Fidelity National Financial30OUR DIGITAL STRATEGY TO DRIVE INDUSTRYSUSTAINABILITYThe closing of real estate transact

85、ions has historically been a paper-intensive process.Through our Digital Strategy Initiative,we are committed to moving the title insurance industry in a more sustainable direction through the use of technology.FNF has a long history of investing in,developing,and adopting technology that is designe

86、d to transformtheexperienceofbuying,selling,orrefinancingahome.PartofthefocusofourDigitalStrategy is to move the title insurance industry in a more sustainable direction.Our digital initiatives seekto1)significantlymitigatetheriskofwirefraudandprovideenhancedsecuritytoconsumers,2)improve the overall

87、 experience for real estate professionals,independent title agents,and consumers,3)enhance and streamline the production and delivery of our core title products,and 4)drastically reduce the amount of paper used in the closing process.We accomplish this through the investment,development and adoption

88、 of innovative technology programs,including SoftPro,robust title automation and document management cloud-based technology,our inHere Experience Platform,comprised of Start inHere(formerly known as startSafe),Mobile Deposit+,the inHere mobile app+portal,Close inHere,and Notarize inHere,TitleWave,an

89、d agentTRAX.As a result of continued investments in these digital initiatives,during 2020,nearly three quarters of our 2.9 million direct title transactions were processed without a dependency on paper documents or printed images.These technology initiatives coupled with our recently announced inHer

90、e Experience Platform is part of our commitment and ability to develop and adopt innovative technology in the title and real estate industries that can drive sustainability at scale.2020 Sustainability ReportStart inHereBuyers and sellers desire a more secure and simple way to start their home closi

91、ng experience.Start inHere is a new digital opening process for the home closing experience that has been designed to maximize security and ease-of use for consumers.Our Start inHere digital opening process allows consumers to safely begin their transaction,share preferred contact methods,and review

92、 WireSafe wiring instructions and other forms without relying on potentially unsecure email inboxes.Whether on a smart phone,tablet,or desktop,the experience is simple and intuitive.inHere App+PortalThe second major component of the inHere Experience Platform is the inHere app and portal.inHere is a

93、 mobile-first,transaction management solutiondesigned for everyone involved in the home purchase,sale,or refinanceprocess.It gives real estate professionals and consumers access to track the progress of the transaction,as well as collaborate and securely communicate with local escrow and settlement

94、professionals throughout the transaction.And because inHere will be provided and supported by all of the FNF family of title companies,every real estate agent,lender,buyer,seller,or borrower can benefitfromthebetterexperienceitprovides.Close inHereClose inHere frees the real estate industry by offer

95、ing consumers a user-friendly,guided experience focused upon the key aspects of the closing process.This experience is not merely paper documents displayed on a computer screen.Instead,Close inHere presents interactive closing information packed with on-demandexplanations,tips,anddefinitions.Closein

96、Herealsoredesignsthe entire real estate closing process creating a highly orchestrated,digitally enabled,coordinated experience.With Close inHere,consumers can review,and verify data,as well as access educational information designed to alleviate anxiety and information overload.The best part is tha

97、t consumers can do all this from the convenience of their own home,at a time that works for them,prior to the ceremonial signing event.TitleWaveTitleWave gives FNF agents the ability to order,track and receive title search products,create commitments and policies,transfer data into third-party softw

98、are packages,and monitor order progress,all online 24 hours a day,7 days a week.The goal in development of the software was to create a platform by which we could deliver title search products quicker,better and cheaper than other service providers,with minimal environmental impact.agentTraxFNF agen

99、ts can issue Closing Protection Letters and Policy Jackets from this centralized web portal for FNF family web applications.Premium due reports are issued automatically,and agents can make premium payments electronically instead of having to send in paper checks.31CloseFidelity National Financial32O

100、UR EMPLOYEESWe believe that our employees are our greatest asset.Across FNF,we value our workforce and the outstanding contributions our employees make each day.We are dedicatedtobuildingtalentedteamsandarecommittedtoprovidinggoodbenefits,leadership and development opportunities,and awards and recog

101、nition,which in turn results in improved employee performance and morale.SOCIALFlexible spending for healthcare and dependent care401K with Company matchingLife insuranceShort and long-term disabilityEmployee stock ownership with Company matchingMedical,dental,and visionBenefits/Quality of LifeAt FN

102、F,we are dedicated to enhancing the quality of life for our employees by helping themenhancetheirfinancialsecurity,health,andwell-being.Weoffercompetitivecompensationandbenefits,suchas:2020 Sustainability Report33Wealsoofferwork-lifebalancebenefits,includingflexible time off,gym membership discounts

103、,and employee discounts for many aspects of life including childcare,identity theft protection,cellular service,and travel.Employee Stock Purchase Plan(ESPP):Our ESPP provides our employees with a way to become owners of FNF.In addition to their contributions used to purchase Company stock,the Compa

104、ny provides a matching contribution one year later,subject to continued employment.This program is open to all full and part-time employees.Employees are incentivized to take pride in our Company by knowing that they are an owner of the Company and to take advantage of an opportunity to build person

105、al wealth over time.The stock match program has helped employees put down payments on houses,send their children to college,build toward retirement and achieve other lifelong dreams.Employee Assistance Program(EAP):When our employees face personal challenges,the FNF Employee Assistance Program(EAP)o

106、ffers confidential,real-lifesolutionsthroughcounselingand relationship support services,legal services,financialservices,andotherresourcesforliving-24 hours a day,7 days a week.Military Caregiver Leave:FNF provides military caregiver leave for employees who are the spouse,child,parent,or next of kin

107、 of a service member.Employees can take up to 26 weeks of leave to care for service members who have a serious injury or illness,or who are in recuperation or therapy.February 20202020 FNF Leadership Advisory Board2020 FNF Women Inspire CohortFidelity National Financial34Fitness and Health Incentive

108、s:Because we maintain a lean management structure and our branch operationsareallowedtomakedecisionsabouttheiroperation,manyofourofficestakeoncaringfor their employees at the local level,such as offering discounted access to local gyms to encourage healthandfitness.WehavealsopartneredwithWeightWatch

109、erstoprovidediscountedpricingformembership.At our Jacksonville headquarters,we offer:Caf Healthy Foods(Mindful Program)Fitness center Charitable walks/races On-site services such as electric vehicle charging stations,car wash,shoeshine and repair drop-off,and dry-cleaning pick-up/dropoff2020 Sustain

110、ability Report35Consumer Discounts:We provide our employees discounts on many products and services that they use in their personal lives.Our ECPurchasing program provides discounts on everything from wireless plans to hotels and rental cars to online shopping.We also offer employees Company-sponsor

111、ed discounts for banking,mortgages,title insurance,car purchases,computers,identity theft protection,childcare,and vacation destinations.Training and LeadershipFNF offers a variety of training and educational opportunities for employees.We provide training on escrow policies and procedures,advanced

112、escrow processing and practices,title loss reduction,title underwriting,advanced title practices and procedures,fraud prevention,as well as software,soft skills,sales,and time management trainings.Our Commercial Sales University is a course for new commercial sales reps and our Leadership Developmen

113、t Program provides employees mentorship from senior executives.Leadership Development Program:Our Leadership Development Program helps employees advance their careers through professional development.Candidates are nominated once a year by their manager to participate in this intensive program where

114、 they are asked to prepare and present a managers report and to participate in the process of preparing an annual budget.In addition,the program includes thought-provoking discussions between candidates and our management team about leadership,business,the economy,and other industry-related topics.N

115、ot only do candidates gain a better understanding of our Company culture and the expectations of management,they also receive an opportunity for mentorship and engagement with senior executives.Many departments provide Continuing Education(CE)and Continuing Legal Education(CLE)opportunities for stat

116、e land title and legal associations.Some offices provide financial assistance to join professionalorganizations and offer education reimbursement.FNF Scholarship ProgramAnother way we facilitate employee engagement and support general talent development is through our annual scholarship program.Unde

117、r the FNF Scholarship Program,dependents of full-time employees are eligible to apply for either the William P.Foley Scholarship or the Fidelity Executive Scholarship.These merit-RENEWALScholarshipsWILLIAM P.FOLEYScholarshipsFIDELITY EXECUTIVEScholarships169268 Total Scholarships 5%3267Fidelity Nati

118、onal Financial36basedscholarshipprogramshelpstudentstoattaintheirfirstbachelorsdegreeatanaccreditedfour-yearcollege or university and to attend accredited two-year community colleges.Since its inception in 2007,the FNF Scholarship Program has awarded more than$10 million in the form of more than 2,0

119、00 scholarships to highlyqualifieddependentsofFNFemployees.For the 2019-2020 scholarship year,FNF awarded 169 renewals scholarships,32 new William P.Foley Scholarships in the amount of$5,000 each,and 67 new Fidelity Executive Scholarships in the amount of$2,500 each.In total,268 scholarships were gi

120、ven this year,a 5%increase in awards from the 255 given in the 2018-2019 scholarship year.Recognizes full and part-time employees for their contribution and commitment to our Company at designated increments of service.Recognizes operations managers from across the country who meet certain criteria

121、for not only pre-taxprofitbutalsoprofitmargin.Thosechosenaretreated to a number of incentives,including the opportunity to receive individualized mentorship from senior management.Service Recognition Award ProgramTop Performers AwardsEmployee RecognitionAt FNF,we foster a culture of employee recogni

122、tion in order to retain top talent,increase employee motivation,and build a positive workplace.Some of the ways we recognize our employees include:2020 Sustainability Report37Many of our operations reward their employees with time off,bonuses,special lunches,team outings and,Company picnics,among ot

123、her incentives.Our employee news magazine,Brand News,works in many ways to thank our employees,highlight our successes,and commemorate employee anniversaries.Outside of feature stories that often highlight employees,our High Fives section publishes kudos we have received by customers aboutspecificem

124、ployees.Thisinspiresotheremployeestogoaboveandbeyond,keepingfullsightofourCustomer-Oriented and Motivated Company Precept.Given out at our Jacksonville headquarters,the Maverick program recognizes outstanding full and part-time employees who embody and support our Corporate Precepts,making the workp

125、lace more efficientandmorewelcomingforcustomersandco-workers.Winners of this program are honored at the Maverick Ceremony,receive a Maverick trophy,a designated reserved parking pass,$500 in Company stock,$300 American Express gift card,$200 in restaurant gift cards,a bottle of Foley Family Wine,and

126、aframedMaverickcertificatetocommemoratetheir contribution and achievement.Sales and escrow professionals from across the country who are in the top 10%of their peers are honored for their achievements.Maverick AwardAnnual Sales and Escrow Recognition ProgramJanuary 2020Fidelity National Financial38D

127、IVERSITY&INCLUSIONDiversity is a key component of FNFs success.We believe that the diversity of our employees allows us to connect to our clientele and offer them meaningful,customized products and services.FNFs Code of Business Conduct&Ethics prohibits discrimination and harassment.We have a writte

128、n nondiscrimination policy that is distributed to all employees as part of our employee handbook,which employees must acknowledge annually.Our employees participate in annual trainings including:Code of Business Conduct and Ethics Training,and Reporting Harassment:Everyones Responsibility Training.F

129、NF aims to have diverse and inclusive practices in all aspects of our business operations;particularlyforhiring,compensation,andopportunity.Wearecommittedto being an equal opportunity employer and enhancing diversity and inclusion across our business.Our goal is to foster an inclusive workplace,wher

130、e each employee feels heard and empowered,and all employees regardless of race,ethnicity,sexualorientation,orgenderidentificationaregivenequalaccesstoopportunitiesthroughout the organization.We have many women in leadership roles throughout our organization.As of December 31,2020,out of the 21,491 U

131、.S.based employees under FNF,71%of the total workforce are women and 29%are men.Two out of ten board members are women,39%percent of the members of FNFs Executive Team are women and 67%of FNFs Managers(Vice President and above)are women.Our annual Women in Leadership Program for female executives,ma

132、nagers,and future managers is designed to encourage and promote women into more active leadership roles within FNF.2020 Sustainability Report39Fidelity National Financial40March 20202020 Sustainability Report41COMMUNITIES&PHILANTHROPYFNF believes in the importance of strengthening and engaging local

133、 communities through volunteerism and philanthropy,and FNF is in a unique position to champion efforts on both local and national levels.With over 1,300 officesnationwide,FNFmakesthegreatestimpactinthecitiesandtownsthatourlocaloperationscallhome.Every year,thousands of hours of employee volunteer ti

134、me are given locally to help clean up communities,raisefundsandawarenessforvarioushealthcarecauses,andfeedthehungry.Ourlocalbranchofficesoftendrive fundraising campaigns to support their communities in times of crisis.Many operations participate in charitable fun runs,Habitat for Humanity events,fun

135、draising drives,and annual Bowl-a-Thons to support local charities.The FNF family of companies has supported national charitable organizations such as the American Heart Association,The Folded Flag Foundation,Make-A-Wish Foundation,Habitat for Humanity,and The Leukemia&Lymphoma Society.In times of c

136、risis,FNF has set up donation campaigns to help those affected byfires,floods,hurricanes,andnationaltragedies.OurJacksonvilleCampushasanannualcampaignthatallows employees to contribute to the United Way through payroll deductions and encourages employees to participate in volunteer opportunities.Feb

137、ruary 2020Fidelity National Financial42In 2020,FNF contributed several million dollars to local and national organizations to support programs that promote the environment,make affordable and low income housing available to those in need,revitalize and developcommunitiesthroughart,health,andfinancia

138、leducation,aswellasscholarshipprogramsforneeds-based students and veterans.FNF supported over 700 charitable organizations across 39 states in the US,India,and Canada.The local organizations we supported include:Breaking Ground Breaking Grounds mission is to strengthen individuals,families,and commu

139、nities by developing and sustaining exceptional supportive and affordable housing as well as programs for homeless and other vulnerable New Yorkers.https:/breakingground.orgChashama Inc.Chashama supports artists by partnering with property owners to transform unused real estate into space to create

140、and present and provides free art classes for under-resourced communities.https:/chashama.orgFeeding AmericaThe Feeding America network is the nations largest domestic hunger-relief organization.Together with individuals,charities,businesses,and government we can end hunger.https:/www.feedingamerica

141、.orgFeeding South Florida Feeding South Floridas strategy is simple:Feed,Lead,Strengthen.We do this by nourishing families with healthy food,uniting the community around hunger and poverty issues,and helping families achieve household stability.https:/feedingsouthflorida.org/how-we-work/Greater Chic

142、ago Food Depository The Food Depository is part of a united community effort working to bring food,dignity,and hope to our Cook County neighbors.The Food Depository acts as the hub for a network of more than 700 food pantries,soup kitchens,shelters,and other programs.These programs provide food wher

143、e its most needed.The organization also address the root causes of hunger.Publicbenefitsoutreachandjobtrainingprograms offer support for our neighbors to overcome poverty.https:/www.chicagosfoodbank.orgHome Aid-Los Angeles Home Aid LAs mission is“Building new lives for Los Angeles families and indiv

144、iduals experiencing homelessness through housing,education,and community outreach.”Home Aidpairsprivatebuilderswithnonprofitserviceproviders to achieve huge discounts on shelter construction and renovation.https:/www.homeaidla.org/about-usPhipps Houses Phipps Houses in New York is the oldest and lar

145、gest not-for-profit developer,owner,andmanager of affordable housing in New York City.https:/www.phippsny.org2020 Sustainability Report43Regional Food Bank of Northeast Florida Feeding Northeast Florida helps local children and families,seniors,and active and retired military members who struggle to

146、 put food on the table.Working with local grocery stores,manufacturers,and farms,Feeding Northeast Florida rescues high-quality food that would normally be wasted and transforms it into meals for those in need.https:/www.feedingnefl.orgStep Up for Students“Step Up For Students”empowers families to p

147、ursue and engage in the most appropriate learning options for their children,with anemphasisonfamilieswholacktheinformationandfinancialresources to access these options.https:/www.stepupforstudents.orgThese efforts are part of FNFs mission to advance,expand,and protect the experience of property own

148、ership for all individuals in the communities we serve.February 2020Fidelity National Financial44COVID-19As we navigated the COVID-19 pandemic together,we worked to protect our employees and their families,as well as the employees,customers,and communities of our portfolio companies.We had already p

149、rovided the vast majority of our employees with the tools they need to work from home,and the success of this approach was demonstrated during the COVID-19 pandemic of 2020,when approximately 80%of our employees transitioned to work from home.For those who worked in the office,weensuredadequatespace

150、forsocialdistancing,requiredfacecoverings,andprovided COVID-19 signage to remind employees of respiratory etiquette and to not comeintotheofficeiftheyhadparticularsymptomsorhadbeenexposedtoapersonwith COVID-19.2020 Sustainability Report45FNF is committed to strong governance systems and policies tha

151、t ensure fair,transparentandefficientbusinesspractices.BOARD OF DIRECTORS&ESG OVERSIGHTOur board and its audit committee oversee the execution of FNFs ESG strategies as part of oversight of overall strategy and risk management.Our commitment to addressing ESG issues is led by our management team.Boa

152、rd of DirectorsThemanagementofourCompanyisoverseenbyahighlyqualifiedboardof directors,70%of whom are independent from management.Each member brings to the table awidevarietyofskillsandqualificationsthatcontributetoourongoingsuccess.GOVERNANCEFidelity National Financial46Our board of directors has ad

153、opted Corporate Governance Guidelines that provide a framework for the functioning of our board and its committees and establish a common set of expectations as to how the board of directors should perform its functions.Our board is led by our Chairman William P.Foley,II,a visionary who founded our

154、Company in 1984 and has been the driving force behind our successful strategy.Because Mr.Foley is not independent,our board has appointed Doug Ammerman to coordinate the activities of our independent directors and work with Mr.Foley and our CEO Raymond R.Quirk on various matters.Board CommitteesOur

155、board of directors has appointed three standing committees to assist with the oversight of our Company,which are described below.All of our board committees are composed of independent directors.Audit Committee:Responsibilities include oversight of the quality and integrityofourfinancialstatementsan

156、drelateddisclosures;ourcompliancewithlegalandregulatoryrequirements;thequalifications,independenceandperformanceofourindependentregisteredpublicaccountingfirm;theperformanceofourinternalauditfunction;andoversightofourriskmanagement plans and programs,including our business continuity and environment

157、al and sustainability(ESG)programs.Compensation Committee:Responsibilities include reviewing and approving compensation matters for our Chief Executive Officer andotherexecutiveofficersandourboardofdirectors,andapprovingourcompensation plans,programs,and awards made to our executives thereunder.2020

158、 Sustainability Report47 Corporate Governance and Nominating Committee:Responsibilities include identifying qualified individuals for our board of directors andreviewing matters relating to board composition,including director selection criteria,independence,and diversity matters,and overseeing the

159、annual evaluation of the performance of our board.The responsibilities of each committee are generally described above but are laid out in detail in a committee charter.Our Corporate Governance Guidelines and each committees charter are reviewed annually as part of our ongoing governance practices a

160、nd are publicly available on the Investor Relations page of our website at .Boards Commitment to DiversityIn2018,ourboardcodifieditscommitmenttodiversitywhen selecting new director nominees,including candidates with a diversity of age,gender,nationality,race,ethnicity,and sexual orientation by integ

161、rating it into the director selection criteria in our Corporate Governance Guidelines.As of December 31,2020,two out of ten directors identify themselves as diverse.In May 2021,our board appointed Halim Dhanidina,whoalsoidentifiesasdiverse,toserveonourboard.Fidelity National Financial48ESG RISK MANA

162、GEMENTAt FNF,we manage material risks,including ESG risks,through our Enterprise Risk Management(ERM)program.OurERMprogramisoverseenbyourChiefRiskOfficer.OurBusinessContinuityOffice(BCO)programispartofour ERM program and creates plans for our core products,processes,and services that include predete

163、rmined actions to be taken,resources to be used,and procedures to be followed before,during,and after a disaster.WemaintainadedicatedBCOOfficethatisresponsiblefortheimplementationoftheBCOprogramandreportstotheChiefRiskOfficer.OurChiefRiskOfficer reports to the audit committee of ourboard of director

164、s on a quarterly basis about our ERM and BCO programs,and the programs are approved by the audit committee annually.FNF recognizes ESG risks,including climate change and severe weather conditions,cybersecurity breaches,pandemic diseases,and other catastrophic events may impact our business.Our ERM p

165、rogram identifies andconducts risk assessments on our material risks,including environmental risks.Our team works diligently to identify,assess,and manage risks.FNFs headquarters are in Jacksonville,Florida,anareaathighriskofhurricaneandflooddamage.WehavetakenstepstohardenourcorporateofficesinJackso

166、nville and have provided the majority of our employees with the tools they need to work from home.The success of the steps taken through our BCO program were evident in the minimal disruption in productivity experiencedbyouremployeesandourcustomersduringHurricaneIrma,whichresultedinextensiveflooding

167、in Jacksonville.2020 Sustainability Report49ESG DUE DILIGENCEESG is embedded across FNFs approach to mergers and acquisitions.In order to maximize the value of each of our diverse assets,our management team takes a holistic approach and reviews ESG practices that are material to a potential investme

168、nt.Our review considers,but is not limited to,the following ESG due diligence factors:We believe that managing ESG issues in our mergers and acquisitions helps FNF generate stronger returns for our shareholders while improving our impact on society.Fidelity&Guaranty Life Insurance Company(“F&G”),a w

169、holly-owned subsidiary:For more than 60 years,F&G has helped middle-income Americans prepare for retirement and for theirlovedonesfinancialsecurity.F&Goffersuniquelifeinsuranceandannuitysolutions,and these products have protected over 700,000 people across the United States.F&G aimstoimprovepeoplesf

170、inanciallives,backedbythepassionofitsemployeesandgrounded in a culture of mutual respect.F&G strives to create a culture to reward workplace engagement,teamwork,and results.F&G employees are dedicated to giving back to the communities where F&G operates through charitable donations and volunteer wor

171、k.Through F&Gs Employee Gift Matching Program and Corporate Charitable Contributions,F&Gprovidesfinancialsupporttomanycharitableorganizations.ThroughF&GsVolunteerTime Off(VTO)policy,the Company encourages employees to volunteer with organizations that are important to them.Social:Human capital manag

172、ement,workforce diversity,supplier diversity,and community engagement.Governance:ESG oversight,board composition,data privacy,and adherence to relevant ESG frameworks and standards.Environmental:Energy,waste,water,sustainable products,and overall environmental footprint.Fidelity National Financial50

173、ENTERPRISE RISK MANAGEMENT(ERM)We maintain a comprehensive Enterprise Risk Management(ERM)program that,along with our compliance,audit,and governance functions,provides the risk framework to align our risk appetite and strategy to enhance management of enterprise risks,including ESG risks and risk r

174、esponse decisions.Through our ERM program,we analyze risk concentrations and risks inherent to our products,services,and businesses and develop appropriate plans to mitigate those risks to an acceptable level.With direct oversight by our board of directors through our audit committee,our ERM hierarc

175、hy/structure encompasses senior executive leaders from all facets of the business,includingoperations,finance,accounting,treasury,informationtechnologyand security,legal/regulatory,internal audit,compliance,and human resources.The executive-level enterprise risk committee meets quarterly to discuss

176、matters relating to our enterprise risk position and risk management,including third party risk,phishing,security incident response,ESG risk,application resiliency,and external and internal vulnerabilities.The ERM program includes:2020 Sustainability Report51Internal Audit Program:Provides a level o

177、f checks and balances by conducting internal reviews to identify areas where process improvements are needed.Audit Committee:Oversees the ERM and Compliance programs,including as they relate to ESG risks,through regular reports from our Chief Risk Officer,Chief Information Security Officer and Chief

178、 Compliance Officer,and reports on these matters to our board of directors each quarter.Compliance Function:Provides standards and policies to mitigate identified risks,as well as training for our employees on applicable privacy,security,legal,and regulatory requirements that provide ongoing enhance

179、ment of our security and risk culture.Fidelity National Financial52ETHICSOur reputation for integrity is one of our most important assets and each of our employees and directors is expected to contribute to the care and preservation of that asset.We aspire to be positive corporate citizens and opera

180、te in ways that are fair,transparent,and compliant with all applicable regulations.We implement strong governance practices,policies,training,and reporting avenues to encourage and promote that all employees adhere to the highest standards for business integrity.Code of Business Conduct&Ethics and C

181、ode of Ethics for Senior Financial OfficersPolicies include FNFs Code of Business Conduct&Ethics and Code of Ethics for Senior Financial Officers that put our values into action and detail our commitment to ethics,diversity,environment,and communities.Our Code of Business Conduct and Ethics,which is

182、 applicable to all our directors,officers,andemployees,isdesignedtopromotehonestandethicalconduct.Thisincludes:Theethicalhandlingofconflictsofinterest Full,fair,accurate,timely,and understandable disclosure Compliance with applicable laws and governmental rules and regulations Protection of our legi

183、timate business interests,including corporate opportunities,assets,andconfidentialinformation Deterrence of wrongdoing2020 Sustainability Report53As required by applicable law,we will disclose any waiver of our codes of ethics for an executive or director of the Company on the Investor Relations pag

184、e of our website at .Compliance HotlineWemaintainafinancialaccuracyandcompliancehotline,sothatour employees and other stakeholders can anonymously report financialimproprietyorotherconcernswithoutfearofreprisalsorrecrimination.Employees can use the hotline to report violations of our Code of Busines

185、s Conduct and Ethics,Company policy,and the laws and regulations that apply to our business.The hotline is available toll-free,24 hours a day,seven days a week.Reportingtothehotlineisconfidentialandcanbemadeonananonymous basis,if desired.Fidelity National Financial54DATA PRIVACY&CYBERSECURITYFNF is

186、highly dependent on information technology.We are focused on making strategic investments in information security to protect our clients and our information systems.Our investments include both capital expenditures and operating expenses for hardware,software,personnel,and consulting services.As our

187、 primary solutionsandservicesevolve,weapplyacomprehensiveapproachtothemitigationofidentifiedsecurityrisks.We have established policies and controls,including those related to privacy,information security,and cybersecurity,andweemployabroadanddiversifiedsetofriskmonitoringandriskmitigationtechniques.

188、2020 Sustainability Report55Our board has a strong focus on cybersecurity.Our approaches to cybersecurity and privacy are overseen by the audit committee.At each regular meeting of the audit committee of our board of directors,our ChiefRiskOfficer,ChiefComplianceOfficer,ChiefInformationSecurityOffic

189、er,andChiefInternalAuditorprovidereportsrelatingtoexistingandemerging risks at our portfolio companies,including,as appropriate,risk assessments,cyber and data security risks,and any security incidents.Our audit committee chairman reports on these discussions to our board of directors on a quarterly

190、 basis.In addition,our audit committee chairman has attended third-party director education courses on cybersecurity and privacy issues and trends in 2020.Our employees are one of our strongest assets in protecting our customers information and mitigating risk.We maintain comprehensive and tailored

191、training programs that focus on applicable privacy,security,legal,and regulatory requirements that provide ongoing enhancement of the security and risk culture at FNF.We continue to provide strong focus on all areas of cybersecurity including threat and vulnerability management,security monitoring,i

192、dentity and access management,phishing awareness,risk oversight third-party risk management,disaster recovery,and continuity management.Our employees participate in annual trainings including:Information Security Training,Managing and Safeguarding Records Training,and Understanding and Protecting Pr

193、ivacy Training.Fidelity National FinancialFNF DATA TABLES562020 Sustainability Report572021 Fidelity National Financial,Inc.|All rights SUSTAINABILITY REPORT2020Additional InformationFidelity National Financial,Inc.is a public company and our stock is traded on the New York Stock Exchange(NYSE)under

194、 the ticker symbol“FNF.”As a public company,we are subject to the rules and regulation of the Securities and Exchange Commission(SEC),as well as listing standards for NYSE companies.We provide regular communication to our investors and the public in the formofquarterlyfilingswiththeSECthatincludeour

195、financialperformance;risksthatmayimpactouroperationsorfinancialresults;thecompositionof our board of directors,board committees and executive management teamandthecompensationtheyreceivefortheirservice;ourcorporategovernancepractices;andotherrequiredinformation.The Companys public filings made with the SEC can be found on theSECs website at www.sec.gov or on the Investor Relations page of our website at .