BANK POLICIES & STATEMENTS

Sustainability Policy

Effective Date: June 25,2025

At First Bank of Central Ohio, we recognize that environmental responsibility and sustainable business practices are essential to the long-term well-being of our customers, employees, communities, and the economy we serve. As a locally focused financial institution, we are committed to conducting our operations in a manner that promotes environmental stewardship, resource efficiency, and responsible corporate citizenship.

Our Commitment

We are committed to:

• Resource Efficiency. Striving to reduce energy, water, and material consumption across our operations and facilities.
• Waste Reduction. Promoting responsible paper usage, increasing digital documentation, recycling programs, and minimizing unnecessary waste.
• Sustainable Operations. Evaluating opportunities to adopt more environmentally responsible practices in our offices, technology infrastructure, and vendor relationships.
• Community Engagement. Supporting local initiatives, organizations, and partnerships that promote environmental awareness, community sustainability, and responsible development.
• Responsible Lending and Investment. Considering environmental factors in lending and investment decisions where appropriate, and supporting businesses and projects that demonstrate sound sustainability practices.
• Continuous Improvement. Monitoring evolving environmental standards and regularly reviewing our policies and practices to identify opportunities for improvement.

Employee Involvement

We encourage all employees to participate in sustainability efforts by:

• Reducing energy consumption in daily operations
• Using digital solutions where possible to minimize paper use
• Supporting recycling and waste reduction programs
• Identifying new opportunities to improve environmental performance

Oversight

Our sustainability efforts are overseen by bank leadership and integrated into our overall business planning and operational processes. We remain committed to transparency and accountability in meeting these objectives.

At First Bank of Central Ohio, we believe that responsible banking includes responsible stewardship of the resources entrusted to us — for today and for the future.