To describe the ethical orientation of a public company, the investment  industry has adopted the Environmental, Societal, and Governance (ESG)  Index. We find this term especially appropriate to the way we run Century.  Our environmental responsibility, the “E” in ESG, is highlighted by our 2012  deployment of electric hybrid fleet cars for our couriers and installation of  community electric car-charging stations in Medford. As a result, we were  awarded the 2012 Medford Energy Committee “Green Award.”  We are focused on our social responsibility, the “S” in ESG. Led by our  imperative for locally controlled enterprise, community development, and  relationship-based philanthropy, we live our social mission every day. In  2012, we greatly expanded our Community Reinvestment Act (CRA)  capabilities, in staff, resources, and management commitment. We are  utilizing these resources to better serve our minority and lower-income  communities with opportunities for home ownership and access to  traditional banking services. Sound corporate governance, the “G” in ESG, has been a watchword for  Century since its inception. Our governance philosophy is evident in a vibrant  and independent Board of Directors, a long history of sound and valued  relationships with regulators and auditors, and a long-term view of share  ownership and control. We expect to continue to be well regarded by all who  utilize the ESG metric in their investing. We’re terribly concerned about the trend lines of the country’s debt and  deficit. We all have a share in our nation’s financial future; we worry so much  about how our economy, no matter how productive, can survive the mountain  of debt, which will approach 90% of GDP in a decade. The optimists among  us rely on the likelihood that a return to boom-time levels of economic growth  Century Bank Electric Vehicle  Charging Station Dedication Pictured from left: Linda Sloane Kay,  Marshall M. Sloane, Medford Mayor  Michael J. McGlynn, Jason J. Melius,  SVP, Century Bank, and Barry R. Sloane Fidelity: Commitment to the Community and ESG Capacity: Pay Down the Federal Debt and Deficit Senior Vice Presidents  Opposite page pictured from left. Front row: William J. Gambon, Jr., Yasmin D. Whipple, Kenneth A. Samuelian, Nancy Lindstrom,  Susan B. Delahunt, and James M. Flynn, Jr.  Middle row:  Thomas E. Piemontese, Deborah R. Rush, Gerald S. Algere, Jason J. Melius,  Janice A. Brandano, and Peter R. Castiglia  Back row:  Bradford J. Buckley, Richard L. Billig, Anthony C. LaRosa, Timothy L. Glynn, Shipley C. Mason,  and Phillip A. Gallagher RELIAbILITY