Exhibit_B.pdf

V. EXHIBITS: The attached Exhibits A, B, C, and D must be fully completed for requirement of the City Code, including those set forth in Title Two, Article III, Chapter 221, Exhibit B- Community Reinvestment Information

The City of Pittsburgh recognizes that each financial institution focuses on different core areas of Community Reinvestment, and requests complete and measurable responses in the following areas of neighborhood revitalization programs. Pursuant to the City of Pittsburgh Responsible Banking Ordinance, Title II (Fiscal), Article III (Depositories), Section 221.02, any institution that desires a continuing or new designation as a City depository shall submit the information for the evaluation of policies and practices regarding housing and economic development of such depository, or potential depository within City of Pittsburgh neighborhoods.

Please note that for Exhibit B, we are only concerned with the statistical data from institutional operations within the boundaries of the City of Pittsburgh.

Section I: Requested Financial and Lending Data

A. Residential Lending Information The Lending Data for each type (applied for and originated during the previous calendar year) shall be provided for the entire City, and for each census block group if recorded at this census level by the candidate institution, or at the census tract level if the candidate institution does not record data at the block group level. Respondents should report the following categories:

1. One- to four-family home purchase loans, both federally insured and conventional loans (grouped by census tract income level);

2. Refinancing of home loans;

3. Home improvement loans;

4. Home equity loans;

5. Multi-family loans;

6. Loans to non-occupant owners of a single family housing;

7. Defaults and delinquencies on home loans. (This section will be reported only for the entire City, not for each census tract);

8. Real Estate Owned properties.

9. Loans and investments in historic preservation neighborhoods.

B. Small Business Lending Information The total number and the total dollar amount of small business loans originated during the previous calendar year in the aggregate for the entire City of Pittsburgh, grouped according to income level of the Census tract where the business is located and revenue size.

1. The total number and the total dollar amount of small business loans originated during the previous calendar year in the aggregate for minority business enterprises in the entire City.

a. Provide a breakdown of the above by Loans to small businesses with revenues above $1 million shall be reported separately from loans to small businesses with revenues under $1 million. (The City depository will use the same data reporting procedures that are federally mandated by the Community Reinvestment Act of

C. Community development loans and investments The number and dollar amount of community development loans and investments including loans and investments for affordable housing, small business development, economic development, and community facilities (a) for the entire City, and (b) for each census block group within the City if recorded at this census level by the candidate institution, or at the census tract level if the candidate institution does not record data at the block group level.

2. Affordable housing for low- or moderate-income individuals;

a. Investment

b. Loans

3. Community services targeted to low- or moderate-income individuals;

a. Investment

b. Loans

4. Activities that promote economic development by financing businesses or farms that meet the size eligibility standards of the Small Business Administration s Development Company or Small Business Investment Company programs or have gross annual revenues of $1 million or less, or

a. Investment

b. Loans

5. Activities that revitalize or stabilize low- or moderate-income geographies.

D. Branches and Deposits The number of branches by census tract income level, ATMs, and number and dollar amount of deposits for the entire City as of June 30th of the preceding year, including the location of each branch.

E. Consumer Loan Data The number and dollar amount of consumer loans for the entire City at the census tract level. Price information shall be reported in a manner similar to the federally mandated reporting requirements for HMDA data. (This shall only be reported by those financial institutions that choose to collect the relevant data for CRA consideration).

F. Most Recent Annual Report, including financial data, or SEC 10-K report with quarterly financial updates and other subsequent filings.

G. issued by the federal regulatory agency and authorized to conduct such evaluations.

H. Total Number of Loans made by the financial institution

I. Total Amount of Loans made by the financial institution

J. Total Number of Loans made to residents of the City of Pittsburgh

K. Total Amount of Loans made to residents of the City of Pittsburgh

Section II: Community Reinvestment Plan

Pursuant to the City Code, for 20 any institution that desires a continuing or new designation as a City Depository must submit a Community Reinvestment Plan. Eligible depositories shall purposes. Limited purpose banks may submit a Community Reinvestment Plan consistent with their CRA designation that may include only their community development lending, investment, or service activities.

The Plan shall include current and proposed initiatives, services, products, and areas of activity that address the financial needs of the City of Pittsburgh, its residents (including low- to moderate-income and minority residents) and businesses ( including women and minority owned businesses) offered by the financial institution. Respondents should report within the submitted Community Reinvestment Plan, in what manner do current and proposed initiatives, services, products, and areas of activity correspond to the following categories:

A. Small Consumer Loans, including those that serve as an alternative to payday loans;

B. Affordable check cashing and other transactional services used by consumers with limited banking accounts or experience;

C. Participation in City-sponsored neighborhood development programs and consortiums;

D. Equitable contributions to community based non-profit organizations in the City that engage in neighborhood development;

a. Grants

b. Investments

E. Provision of full service banking in City neighborhoods, including branches, services, and technologies;

F. Plans to provide and market loans and investment products that help create loans throughout the City, (including low- to moderate-income neighborhoods and low- to moderate-income consumers);

G. Plans to provide and market loans and investment products that help create loans to residents of historic communities to promote and enhance housing stock and improve quality of life; (census tracks provided in attachment)

H. Plans to engage with Community Housing Development Organizations (CHDO) to assist with the development, financing and investment of affordable housing;

I. Plans to engage with Community Development Financial Institutions (CDFI) to assist with, but not limited to, the development, financing and investment of affordable and market rate housing, and to assist with the development, financing and investment of women and minority owned businesses;

J. The Community Reinvestment Plan shall also indicate how the depository will match or exceed peer performance in lending and investment to the target groups.

Section III: (Optional) Please provide any other appropriate information articulating your City of Pittsburgh and its neighborhoods.