The enterprise risk management program focuses on various risk categories, including: 	� Credit (for loan and investment portfolios) 	� Market (environmental, interest rate sensitivity, liquidity) 	� Operations (including regulatory compliance, reporting, legal, insurance) 	� Strategic 	� Reputational Protecting Our Customers’ Privacy and Assets We recognize the trust that our customers place in us when they deposit their hard earned money, store their prized valuables, or take out a loan with us.