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Here is our Educational Assistance Program:

<BANK> recognizes that the skills and knowledge of its employees are critical to the success of the organization. The educational assistance program encourages personal development through formal education so that employees can maintain and improve job-related skills or enhance their ability to compete for reasonably attainable jobs within <BANK>.

<BANK> will provide educational assistance to all eligible employees who have completed 180 calendar days of service in an eligible employment classification. To maintain eligibility employees must remain on the active payroll and be performing their job satisfactorily through completion of each course. Regular full-time employees are eligible for educational assistance.

Individual courses or courses that are part of a degree, licensing, or certification program must be related to the employee's current job duties or a foreseeable-future position in the organization in order to be eligible for educational assistance. <BANK> has the sole discretion to determine whether a course relates to an employee's current job duties or a foreseeable-future position. Employees should contact the Human Resources Department for more information or questions about educational assistance.

While educational assistance is expected to enhance employees' performance and professional abilities, <BANK> cannot guarantee that participation in formal education will entitle the employee to automatic advancement, a different job assignment, or pay increases.

<BANK> invests in educational assistance to employees with the expectation that the investment be returned through enhanced job performance. However, if an employee voluntarily separates from <BANK'S> employment within three years of the last educational assistance payment, the amount of the payment will be considered only a loan. Accordingly, the employee will be required to repay up to 100 percent of the original educational assistance payment.

A.I.B. Courses

The American Institute of Banking sponsors a number of courses administered through banking affiliates and local colleges. A.I.B. provides a curriculum that will will enable an employee to earn an A.I.B. certificate. This information is available in the Human Resources Department. Participation is encouraged, but must be approved by the respective supervisor.

<BANK> will pay for approved and completed A.I.B. courses, including the cost of course books for full time employees. Upon completion of a course, the books must be returned to the Human Resources Department. Employees who do not complete or fail courses taken must reimburse the bank for the cost of the course and books.

Other Educational Resources

Many opportunities for continuing education are available and encouraged for career development of staff members. Attendance at banking or professional schools must have the prior approval of the appropriate department head and the President.

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