ACCESSbank Annual Report 2024

President’s Message

Investing in People Our team is the driving force behind our success. We made investments in talent, strengthening teams across departments and recognizing key roles essential to our long- term vision. These efforts ensure we remain agile, responsive and prepared to meet the evolving needs of our clients. Success starts with strong people, and we are committed to fostering a culture of growth and excellence. Reimagining Our Footprint A bold vision requires spaces that foster both connection and efficiency. This year, we reimagined our physical footprint to enhance collaboration and elevate client service. We laid the groundwork to introduce ACCESSpoint, our first Interactive Teller Machine (ITM) at 42nd & Center, seamlessly integrating advanced technology with personalized support. To further streamline operations, we made plans to unify our business banking teams at our headquarters and relocated our mortgage division to our Oakview location,

This year was defined by purpose and progress. We strengthened the core of our organization – investing in our people, enhancing technology, deepening client relationships and sharpening our strategic vision. Every step we took was intentional, reinforcing our ability to move forward with boldness, resilience and innovation. Our progress wasn’t just about expansion; it was about shaping a future- ready bank – one that adapts, leads and thrives. Strategic Focus This year, we introduced a strategic planning model designed to enhance engagement, accountability and alignment across the organization. By establishing annual themes, we united teams around key objectives, ensuring clarity and purpose in our initiatives. Regular leadership conversations helped sustain momentum while company- wide town hall meetings fostered transparency, open dialogue and progress tracking.

Our progress wasn’t just about expansion; it was about shaping a future-ready bank – one that adapts, leads and thrives.

Innovating for Efficiency We advanced our digital capabilities to enhance service and efficiency, laying the groundwork for a seamless digital client onboarding experience and initiating plans for a dedicated client support center. Additionally, we launched a company-wide intranet and knowledge management system, streamlining internal processes while strengthening security measures. These advancements empower our employees, optimize operations and reinforce our commitment to leveraging technology for greater efficiency and adaptability. Deepening Relationships Strong relationships are at the heart of everything we do, and in 2024 we prioritized strengthening client connections. We launched ACCESSperks, an account referral rewards program, and Work+Life Solutions, equipping our bankers to deliver a seamless, full-service experience for business owners. Standardized service expectations and the development of a Personal Banking Playbook ensured brand consistency across all locations.

creating a hub for personal banking services. These strategic moves ensure a more cohesive and efficient experience for our clients while reinforcing our commitment to service excellence. Looking Ahead The progress we’ve made has prepared us to take bold steps forward. With our people, processes and technology aligned, we are ready to grow our market presence, introduce new technology and continue delivering exceptional service to our clients and community. We are not just maintaining stability – we are building momentum, embracing new opportunities and shaping the future of banking with confidence and purpose.

Tom Corrigan President

2

SOLID GROUND, BOLD VISION: 2024 ANNUAL REPORT

Powered by