2021 Environmental Social & Governance Report

INCREASE HOMEOWNERSHIP
Continue our efforts to help expand homeownership for Black, Hispanic and Latino 
households and, in doing so, help to stabilize and revitalize communities across the 
country. We will continue to execute and enhance our six-pillar community and affordable 
strategy focused on enhancing products; increasing our people; expanding our presence, 
partnerships and promotion; and supporting housing policy reform. The Firm plans to 
continue prudently expanding Federal Housing Administration ("FHA") lending and 
supporting policy reforms to the FHA program, including servicing standards. 
EXPAND AFFORDABLE RENTAL HOUSING
Explore innovative financing solutions and work with new public resources to support 
the development of vital community facilities and new housing for individuals and 
families earning a wider range of incomes than conventional projects serve. Additionally, 
the Firm will continue to make data-driven policy recommendations aimed to preserve 
and increase the availability of and equitable access to affordable housing for renters.
GROW SMALL BUSINESSES 
Plan to further expand access to credit through targeted adjustments to how the Firm 
evaluates credit applications and introduces new product offerings. The Firm plans to 
also hire additional senior business consultants and expand the free one-on-one coaching 
program to additional cities. The Firm plans to also expand the digital lending product 
more broadly and continue to promote policies that would improve access to capital. 
IMPROVE FINANCIAL HEALTH AND ACCESS TO BANKING
Continue efforts to improve the financial health and resiliency of our customers and 
communities. The Firm plans to continue to open more branches, including 
Community Center branches in low-to-moderate income communities, hire 
additional Community Managers and host more financial health workshops and 
community events to reach more people across the country.