b'RETAIL BANKING Our Retail Banking efforts continue to expand to meet the growing needs of our15 2 %customers.In 2019, total checking accounts increased, and we saw a 15.2% increasein unique mobile and online banking logins over the previous year.The Banks retail focus in 2019 was centered around branch transformation. Branch.employee development strategies were developed and implemented to move away from the traditional Teller and Customer Service roles and move toward creating highly developed Relationship Bankers. To effect this change, the focus was on the development of branch staff members to provide them with the tools necessary tohelp our customers not just transact but also to assist in more complex interactions.The ultimate goal is to genuinely and thoroughly aid our customers in achieving theirONLINE unique financial goals. BANKING ENROLLMENTSIn addition, we leveraged the strength of our Branch Managers by promoting them to Development Managers. This team of highly skilled business specialists assist our business customers one-on-one, commonly meeting them at their place of business.COMMERCIAL LENDING Our Commercial Lending Department continues to focus on helping entrepreneursand small business owners realize their dreams. We know each customer and situationis different. Instead of adopting a one-size-fits-all approach, we custom tailor our solutions to fit their unique needs. 441.8 MOur Commercial Lending Department has accomplished a lot in its short 23-year historyour commercial loan portfolio has grown to $441.8 million.We continue to be an active US Small Business Administration lender and were named the SBA lender of the quarter for the period ending June 30, 2019.We believe every business, no matter the size, should have access to help along the way;COMMERCIAL as such we are proud to offer innovative commercial lines of credit and loans to our valuedLOANcommercial customers as they expand and grow their businesses. PORTFOLIO'