1. Policy Development and Implementation

1. Process Overview

2. Board Participation

3. Policy Committee

4. Implementation of Policies

5. Policy Updates

6. Bank Committees

2. Executive Policies

1. Regulation O

2. Audit/Internal Controls

3. Board Supervision

4. Conflict of Interest/Code of Ethics

5. Regulatory Compliance

6. Branch Closing

7. Personnel

8. Risk Management

9. Foreign Assets Control (OFAC)

10. Advertising

3. Lending Policies

1. Allowance for Loan and Lease Losses

2. Community Reinvestment Act

3. Credit Risk

4. Real Estate Appraisal

5. Fair Lending

6. Real Estate Owned

7. Environmental Risk

8. Loan Collection

9. Loan Review

4. Treasury/Finance Policies

1. Interest Rate Risk

2. Asset/Liability Management

3. Investments

4. Fixed Assets

5. Operations/Security Policies

1. Bank Security

2. Bank Secrecy Act

3. Record Retention

4. Expedited Funds Availability

5. Wire Transfers

6. Deposits

7. Service Fees

8. Interbank Liabilities

9. Teller and CSR Operations

10. Customer Financial Privacy

6. Data Processing

1. Software, Programming and Package Purchase

2. Business Continuity

3. Servicing Arrangements

4. Microcomputer

5. Area Networks