2019 Community Commitment Presentation

Annual Meeting 2019 Community Commitment

Welcome

Community Commitment

Agenda

Cape Cod 5 Community Commitment Goal: Overview and Update Annual Meeting of the Cape Cod Five Cents Charitable Foundation Trust Annual Meeting of the Corporators of the Cape Cod Five Mutual Company Cape Cod 5: Financial Strength, Trusted Financial Advisor and Employee Goals: Update Reception October 16, 2019

Welcome

Community Commitment

Agenda

Cape Cod 5 Community Commitment Goal: Overview and Update Annual Meeting of the Cape Cod Five Cents Charitable Foundation Trust Annual Meeting of the Corporators of the Cape Cod Five Mutual Company Cape Cod 5: Financial Strength, Trusted Financial Advisor and Employee Goals: Update Reception October 16, 2019

Community Commitment

Photograph courtesy of Historic New England, Alice Brown Collection, with appreciation to Mashpee Historical Commission

Photograph courtesy of the Bourne Historical Society

October 16, 2019

Community Commitment

October 16, 2019

Enriching Lives Community Commitment

Fairness Mutual Respect Highest Ethical Standards Trustworthiness October 16, 2019

Strategic Goals Community Commitment

Financial Strength Trusted Advisor Employees Community October 16, 2019

Culture Community Commitment

October 16, 2019

Culture Community Commitment

October 16, 2019

Communication

Culture Community Commitment

October 16, 2019

Communication Innovation

Culture Community Commitment

October 16, 2019

Communication Innovation Change Readiness

Community Commitment

October 16, 2019

Tom Evans • Chair, Foundation Nominating Committee • Vice Chair, Cape Cod 5 Bert Talerman • Vice Chair, Foundation • Co-President, Cape Cod 5 Matt Burke • Treasurer, Foundation • Co-President, Cape Cod 5 Joel Brickman • Secretary, Foundation • General Counsel and Clerk, Cape Cod 5 Kristen Foresta • Assistant Treasurer, Foundation • Director of Accounting, Cape Cod 5

Economic Outlook Community Commitment

October 16, 2019

Local Changes Community Commitment

October 16, 2019

Five Ways of Engagement Community Commitment

October 16, 2019

Community Engagement Governance Community Commitment

Board of Trustees Community Engagement Board Committee Community Engagement Management Committee Community Engagement Steering Committee

October 16, 2019

Community Engagement Governance Community Commitment

Employee Benefit: 15 Hours paid time to volunteer for a non-profit of employee’s choosing

Expanding Financial Know-How (In-Person and Digital)

Employee Benefit: annual donation matching up to $250 October 16, 2019

Community Engagement Governance Community Commitment

October 16, 2019

Blackbaud Community Commitment

October 16, 2019

Five Areas of Focus Community Commitment

Accessible Housing Education & Enrichment Economic Sustainability Community Health, Human Need & Active Service Members’ / Veteran’s Needs Environmental Stewardship

October 16, 2019

Impact: Accessible Housing Community Commitment

Leading producer of loan volume for Mass Housing in Barnstable County for last

14 years and for the last 4 years in Nantucket County

15 MassHousing financed loans

$2.8 million in MassHousing Financed Loans

21 employees October 16, 2019

Serving on board for local housing organizations

$99,633

Donated to Accessible Housing supporting

9 organizations

212 People

reached by First Time Homebuyer workshops

150 Affordable

and sustained home loans closed

Impact: Education and Enrichment Community Commitment

14 Credit for Life Fairs serving 1,140 students 13,140 students

reached program since 2011 inception

64 Financial

Calculators on the Cape Cod 5 website used by

2,068 Community members reached by Financial Education Initiatives

October 16, 2019

34

Financial Education events held

30,689 people to date

$137,108 donated to

support 93 organizations

Impact: Economic Sustainability Community Commitment

$441,989 In donations to 200 organizations

$109,949 Supporting

$6.47 million Approved in SBA Loans

October 16, 2019

28

New workforce housing units created as result of CC5 lending activity

23 organizations specific

to workforce development ($66,546 for childcare) ($43,400 for workforce dev.)

360

Commercial Loans closed

Community Commitment

Impact: Community Health, Human Need and Active Service Members’/Veterans’ Needs 89

Employees serving on local boards

$521,561

Donated to support

169 community organizations

2,089

Volunteer Hours

100 Organizations

October 16, 2019

supported by additional corporate leadership of employees

31 donors donating 28

units of blood at two blood drives hosted by CC5

$1.25 Million in total year to date donations

Impact: Environmental Stewardship Community Commitment

$53,215 Supporting

31 organizations

15,000 sq.ft.

Of Soar Panels at HQ5

generating 300,000 watts

Solar Loan Program

October 16, 2019

Rolled out Bank-wide

11

Green Certified Banking Centers

Support and attend major local events such as

NetZero Conference and

Electric Car Show/Home Energy Showcase

13

Employees serving on boards for local Environmental Stewardship Organizations

Combined Bank and Foundation Giving (In thousands)

Community Commitment

$1,800 $1,600 $1,400 $1,200 $1,000 $800 $600 $400 $200 $-

October 16, 2019

Dec-14A Dec-15A Dec-16A Dec-17A Dec-18A Sep-19A Dec-19P Bank Contributions

A =Actual P =Projected

Foundation Contributions

Welcome

Community Commitment

Agenda

Cape Cod 5 Community Commitment Goal: Overview and Update Annual Meeting of the Cape Cod Five Cents Charitable Foundation Trust Annual Meeting of the Corporators of the Cape Cod Five Mutual Company Cape Cod 5: Financial Strength, Trusted Financial Advisor and Employee Goals: Update Reception October 16, 2019

Community Commitment

Annual Meeting of The Cape Cod Five Cents Savings Bank Charitable Foundation Trust I. Call to Order II. Approval of the Minutes of the October 3, 2018 Annual Meeting III. Approval of the Proposed Foundation Modernization Resolutions IV. Report of the Nominating Committee V. Treasurer’s Report VI. Adjourn

October 16, 2019

Community Commitment

Minutes of the October 3, 2018 Annual Meeting of The Cape Cod Five Cents Savings Bank Charitable Foundation Trust Motion & Vote

October 16, 2019

Community Commitment

Proposed Foundation Modernization Resolutions

October 16, 2019

Community Commitment

Proposed Foundation Modernization Resolutions Motion & Vote

October 16, 2019

Community Commitment

Foundation Modernization: Next Steps

October 16, 2019

Community Commitment

Report of the Nominating Committee

October 16, 2019

Community Commitment

Motions & Votes • Waive By-Law Requirement • Election of Officers, Trustees and Committee Members

October 16, 2019

Community Commitment

Treasurer’s Report

October 16, 2019

Welcome

Community Commitment

Agenda

Cape Cod 5 Community Commitment Goal: Overview and Update Annual Meeting of the Cape Cod Five Cents Charitable Foundation Trust Annual Meeting of the Corporators of the Cape Cod Five Mutual Company Cape Cod 5: Financial Strength, Trusted Financial Advisor and Employee Goals: Update Reception October 16, 2019

Welcome

Community Commitment

Agenda

Cape Cod 5 Community Commitment Goal: Overview and Update Annual Meeting of the Cape Cod Five Cents Charitable Foundation Trust Annual Meeting of the Corporators of the Cape Cod Five Mutual Company Cape Cod 5: Financial Strength, Trusted Financial Advisor and Employee Goals: Update Reception October 16, 2019

Community Commitment

Mid-Year Meeting of the Corporators of the Cape Cod Five Mutual Company I. Call to Order II. Approval of the Minutes of the May 15, 2019 Annual Meeting III.Adjourn

October 16, 2019

Community Commitment

Minutes of the May 15, 2019 Annual Meeting of the Corporators of the Cape Cod Five Mutual Company Motion & Vote

October 16, 2019

Thank you for your service!

Community Commitment

Myer Singer

Trustee 1980 - 2014 October 16, 2019

Corporator 1977 - 2019

Linda Gadkowski

Trustee 1997 - 2012

Corporator 1994 – 2019

Community Commitment

October 16, 2019

In Memoriam James F. Lyons Richard Curley

Picture to be inserted

Picture to be inserted

July 24, 1932 – June 19, 2019

July 21, 1934 – October 6, 2019

Trustee 1994 - 2007

Corporator 1985 - 2019

Corporator 1992 - 2019

Welcome

Community Commitment

Agenda

Cape Cod 5 Community Commitment Goal: Overview and Update Annual Meeting of the Cape Cod Five Cents Charitable Foundation Trust Annual Meeting of the Corporators of the Cape Cod Five Mutual Company Cape Cod 5: Financial Strength, Trusted Financial Advisor and Employee Goals: Update Reception October 16, 2019

Welcome

Community Commitment

Agenda

Cape Cod 5 Community Commitment Goal: Overview and Update Annual Meeting of the Cape Cod Five Cents Charitable Foundation Trust Annual Meeting of the Corporators of the Cape Cod Five Mutual Company Cape Cod 5: Financial Strength, Trusted Financial Advisor and Employee Goals: Update Reception October 16, 2019

Four Strategic Goals Community Commitment

Financial Strength Trusted Financial Advisor Employees Community

October 16, 2019

Four Strategic Goals Community Commitment

Financial Strength Trusted Financial Advisor Employees Community

October 16, 2019

Total Assets (In thousands)

Community Commitment

$4,000,000 $3,500,000 $3,000,000 $2,500,000 $2,000,000 $1,500,000 $1,000,000 $500,000 $October 16, 2019

Dec-14

Dec-15

Dec-16

Dec-17

Dec-18

Sep-19

Net Income - Year to Date (In thousands)

Community Commitment

$20,000 $18,000 $16,000 $14,000 $12,000 $10,000 $8,000 $6,000 $4,000 $2,000 $-

October 16, 2019

Sep-14

Sep-15

Sep-16

Sep-17

Sep-18

Sep-19

Capital (In thousands)

Community Commitment

$350,000 $300,000 $250,000 $200,000 $150,000 $100,000 $50,000 $October 16, 2019

Dec-14

Dec-15

Dec-16

Dec-17

Dec-18

Sep-19

Wealth Management Services (In thousands)

Community Commitment

$1,750,000 $1,500,000 $1,250,000 $1,000,000 $750,000 $500,000 $250,000 $-

Dec-14 Dec-15 Dec-16 Dec-17 Dec-18 Sep-19 Assets Under Management Assets Under Custody Investment Services October 16, 2019

Community Commitment

Loans Serviced (In thousands) $6,000,000 $5,000,000 $4,000,000 $3,000,000 $2,000,000 $1,000,000 $-

October 16, 2019

Dec-14

Dec-15 Dec-16 Portfolio

Dec-17 Dec-18 Investors

Sep-19

Deposits (In thousands)

Community Commitment

$3,500,000 $3,000,000 $2,500,000 $2,000,000 $1,500,000 $1,000,000 $500,000 $-

October 16, 2019

Dec-14

Dec-15

Dec-16

Dec-17

Dec-18

Sep-19

Four Strategic Goals Community Commitment

Financial Strength Trusted Financial Advisor Employees Community

October 16, 2019

Trusted Advisor: In-Person Community Commitment

Pinehills ATM COMING

October 16, 2019

Trusted Advisor: Digital Community Commitment

October 16, 2019

Four Strategic Goals Community Commitment

Financial Strength Trusted Financial Advisor Employees Community

October 16, 2019

Employees Community Commitment

October 16, 2019

HQ5 Community Commitment

October 16, 2019

Community Commitment

October 16, 2019