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Here We Are

Here We Grow

We’re growing our future together from the inside out.

We’re experiencing our very own “Here We Grow” moment.

Penn Community Bank is not an ordinary bank. We are banking powered by good values and powerful expertise. We’re on a growth mission, and our commitment to growth touches everything we do. We grow relationships. We grow community. We grow positive momentum. We strengthen families. We expand businesses.

And it’s only the beginning. We see growth potential everywhere we look—and now we’re looking in the mirror. What we see is our very own opportunity to grow. As the largest mutual bank headquartered in Southeastern Pennsylvania, we are uniquely poised to continue growing our network while also partnering with our customers to help them experience the power of their own “Here We Grow” moments for their lives, their businesses, and their communities.

We’re infusing our brand with power ful new energy, and we need your par ticipation. Like people, brands have unique personalities. Each time someone interacts with you as a member of Penn Community Bank, you provide them with an opportunity to get to know our brand. A brand is an experience, and it’s our duty to make sure ours is a positive one for our customers, our business partners, our fellow colleagues, and everyone in between.

Every interaction matters. The way we communicate counts. When a challenge arises, we listen until we truly understand. When we launch a new financial tool, we surround our customers with advice and guidance so they can clearly see the value and embrace it. Underneath it all, the services we provide are every bit as important as the conversations we have. Everything leaves an impression. As Penn Community Bank, we are driven by the power of partnership, the spirit of growing together, and the passion we have for supporting the true needs of the communities we serve. Everything we do reflects this commitment.

Introducing an expansion of our brand that is 100% growth strategy. As a company, we want people to know how hard we work to function as an integral part of the local economy and the communities around us. When we become part of the neighborhood, so does values-driven banking. When we work with our customers, we’re in it together. Their growth is our growth. And we support them, their families, and their businesses as part of our community. From our commitment to give back 5% of our net income to the way our employees actively volunteer at the ground level, we take our responsibility to grow and improve our community seriously. Our new brand elements create meaningful ways for our community and customer commitment to shine through.

Here We Are

Our reach is growing. The elements of our brand are evolving. And it’s all working together to better communicate one fundamental message:

Here We Grow

No matter how much we grow, we always stay true to our name.

Our core brand message speaks to who we are and how we operate.

Our roots remain intact as we move forward with our original logo and support it with a system of connected brand elements that celebrate its integrity. After all, the fact that “Community” is our middle name is no accident. At Penn Community Bank, we remain true to our identity by maintaining a strong presence in the communities where we operate and by serving as a trusted and essential partner that meets people where they are.

Every communication reflects our commitment to growing families, businesses, and communities by showcasing “Here We Grow” as a customer-facing expression of our brand promise. “Here We Are” is our way of emphasizing that we are part of the community and that we put customers first, because we are always here for them. When we pair this with “Here We Grow,” we describe our connection to our customers as well as the momentum we seek to build with them. Essentially, when we spotlight this message, we are saying, “We’re here with you, on your terms and in your community. And together, we will achieve your goals.” 11

Our visual vocabulary shows that we are in alignment with the communities we serve. Taking a strong visual cue from how towns and cities are mapped out, our gridwork creates its own stylistic map of the key elements that surround our brand inside our customer-driven atmosphere. From our five-pointed stars to our map markers and clouds, our gridwork creates a sense of place and of belonging. We’re on the same page, the same map, and the same grid as our customers.

The positive feeling is mutual, but we don’t always need to spell it out. In our external brand communications, we don’t attempt to explicitly define what a “mutual structure” is. Our customers have enough to think about, and we never want to add complexity to their lives. We’d rather show them that we’re different instead of telling them. The look and feel of our brand demonstrates to our customers that we don’t look like other banks because we don’t function like other banks. Penn Community Bank isn’t beholden to shareholders. In fact, our mutual structure gives us the freedom to put the needs of our customers first in everything we do. We can show our customers what that means simply by letting them know that we have the freedom to focus on identifying their needs—and then delivering on them with unparalleled expertise.

We’re not just growing—we’re growing together. We’re on a growth mission. And it’s not an ordinary one. As the largest mutual bank headquartered in Southeastern Pennsylvania, Penn Community Bank is uniquely poised for continued growth. We are actively growing our network and expanding our territory, which means we can spark growth for even more customers with our insight-driven financial services.

We are creating even more “Here We Grow” moments for our customers. We’re not a bank who settles for good. We’re here to serve the greater good. We’re out to grow the strength of the communities around us. We’re here to partner with community organizations leading the charge for positive momentum. Our growth mission is to deliver solutions that genuinely serve the best interests of our individual and commercial customers in ways they cannot possibly experience at more traditional financial institutions. As a bank powered by good values, we are a catalyst for good with the flexibility, responsiveness, and experience to guide next-level growth for everyone we serve.

We deliver a compelling banking experience for our consumers. 18

Ease of use reigns supreme.

We make it possible for our consumers to go about their everyday banking needs in whatever way they choose—whether it’s more convenient using our app, going online, or visiting a branch.

Our expertise is our authentic source of credibility.

From home financing to setting up a college savings plan, it’s easy for our consumers to feel like they’re in foreign financial territory when faced with a new situation. We are there for them as efficient, effective problem-solvers with the right advice and tools. We help them gain the perspective they need to feel confident about how to proceed inside any situation they encounter.

We believe in the value of making a personal connection.

We pride ourselves on the ability of our bank personnel to provide authentic interactions with consumers because we are genuinely invested in their financial future, deeply rooted in their community, and grateful for the day-to-day role we play in helping them reach their growth milestones every step of the way.

We form partnerships from the start.

Without exception, we design our banking tools and products to grow with our consumers as their financial needs evolve. Our support starts with their first checking account and continues through retirement and beyond. 19

We deliver an exceptional banking experience for our commercial customers. 20

We always prioritize convenience.

Above all else, our commercial customers need to get business done—and their interactions need to be quick and easy. We understand that, and we build solutions around that—from ensuring a smooth process for transitioning existing accounts to facilitating dayto-day cash management and merchant needs.

We never fall short of full-service partnership.

It doesn’t serve anyone well to place our departments in silos. Instead, we put our skill sets together to provide one universal banking relationship that spans the full range of unique needs that any business has. We serve every commercial customer with personalized support that connects them to valuable advice on a full range of matters— from financing to HR.

Our financing tools are robust for a reason.

The most common need of our commercial customers is to secure capital to help them grow. We translate our growth mentality into an assortment of lending vehicles and capabilities that cater to a wide range of business needs.

Our vision inspires us. Penn Community Bank is committed to being the local bank of choice within Bucks and Montgomery counties and the surrounding areas. We will be the first name that comes to mind for those who prefer a relationship with a financial institution that values people as much as profits.

Why do we need a vision? Our vision guides our goals for the long term. It is our North Star. It shows what we are working toward when we think about the big picture. It shapes the future of our company.

Why does our mission matter? Our mission keeps us focused on what, who, and how we can make constant progress toward the future of our brand. We use our mission to make daily decisions that support our future vision. 24

Our mission focuses us.

Our mission goals drive our excellence.

Day in and day out, Penn Community Bank is committed to helping local residents, businesses, and nonprofits achieve their financial goals, and to taking an active role in contributing to the overall prosperity of our communities.

Guided by our core values of integrity, transparency, service, and independence, we work to: • Help businesses grow and prosper. • Provide financial resources that meet the needs of individuals and families throughout their lifetimes. • Strengthen our local economy. • Partner with local organizations to improve quality of life. • Operate for long-term success to ensure the continued strength and stability of our financial organization. 25

Our core values keep us aligned as a team. Trust and Respect We nurture a healthy customer- and community-focused environment among all members of the team, and this is paramount to our success.

Encouragement, Support, and Service We encourage all team members to believe in themselves and in those whom we support and serve.

Alignment and Accountability We support bank-wide understanding and acceptance of our strategy for short- and long-term success. That means our team takes responsibility for delivering excellence.

Modeling Effectiveness We ensure that all team members are pulling in the same direction— both independently and collectively—resulting in optimal individual, team, and bank performance. 26

What do we do with our core values? Everything we do starts with our values. These are the beliefs that we share and that strengthen our team. Our values shape our thoughts and actions every day.

We are inspired by the consistent messages we hear from Jeane Vidoni, our President and CEO— a.k.a. our “Jeane-isms.”

“We cannot be replicated because what we’re doing cannot be duplicated or fabricated.”

“We believe in doing business backwards, by doing the right things for our customers and communities first.”

“We believe in doing business from the heart.”

“Authenticity should be the hallmark of who we are as team members and a company.”

What is a “Here We Grow” moment? You might know it as a milestone, a personal or professional landmark, or just as a moment in time worth celebrating. We know it as a “Here We Grow” moment, and there’s nothing we like more. We are a community-first financial institution who is authentically dedicated to achieving positive growth for both our individual and commercial customers. We take a different approach to accomplishing this—one that starts, builds on, and advances consumer needs. And we have the unique freedom to deliver on that, because we are driven to build, give back, and honor the communities with whom we interact. We are positive momentum, personified, with the experience to keep it going until our customers reach their individual financial goals. Let’s get there together. Here we are. And here we grow.

Here We Are

Here We Grow 31