Climate Change Data

Environmental Metrics

ESG Focus Areas

• Climate Change
• Diversity & Inclusion
• Governance
• Supply Chain Responsibility
• Data Privacy & Security

Environmental Achievements

• Microsoft became carbon neutral in 2012; uses innovative energy conservation technologies; Apple committed to becoming carbon neutral by 2030; Schneider Electric cut five years from its carbon neutrality goal.
• Schneider Electric's solutions help customers reduce energy use and CO2 emissions.

Social Achievements

• Microsoft's "Elevate America" program provided one million vouchers for free access to e-learning courses; Discover Financial Services offers unique benefits such as free online bachelor's degrees and an onsite Executive MBA Program; Sony is working on diversity, equity and inclusion initiatives.
• Lloyds Banking Group's Helping Britain Prosper Plan sets social, economic, and environmental targets.

Governance Achievements

• Microsoft eliminated forced arbitration from employee contracts and publicly supported a federal law banning it; Meta created an Independent Oversight Board; RGA has a strong track record on board independence, entrenchment, and diversity; Lloyds replaced sales targets with customer satisfaction measures.

Climate Goals & Targets

Environmental Challenges

• Meta faced challenges related to the spread of political propaganda, data breaches, and manipulation of the platform; Apple faces risks related to business ethics controversies in China, tax evasion allegations, and anti-competitive behavior; Lloyds faced legacy allegations of mis-selling products.

Mitigation Strategies

• Meta created an Independent Oversight Board; Apple is improving supply chain practices and data security; Lloyds is taking steps to improve sales practices, enhance customer protection, and ramp up fraud prevention.

Supply Chain Management

Responsible Procurement

• Microsoft's Vendor Code of Conduct

Climate-Related Risks & Opportunities

Environmental Metrics

ESG Focus Areas

• Community
• People
• Customers
• Environment

Environmental Achievements

• 98 tons of sorted office paper recycled
• 25 tons of cardboard recycled
• 20% reduction in paper waste
• LEED Silver certification for 550 At Lytle Park
• LEED Gold certification for Great American Tower at Queen City Square
• LEED Silver certification for Lytle Park Hotel

Social Achievements

• 18 million dollars in community support in 2023
• 70 million dollars in community support over five years
• 35-unit affordable housing apartment building opened
• 10.2 years average employee tenure
• 33% of open positions filled internally
• 1,300+ virtual courses offered
• Supported $27.4 billion of total economic impact in the region between 2008 and 2022

Governance Achievements

• Industry-leading Enterprise Risk Management program
• AM Best’s highest Enterprise Risk Management (ERM) Score (Very Strong) for three consecutive years
• Robust anti-money laundering program
• Comprehensive privacy and cybersecurity programs

Climate Goals & Targets

Environmental Challenges

• Not disclosed

Mitigation Strategies

• Not disclosed

Supply Chain Management

Supplier Audits: Not disclosed

Responsible Procurement

• Not disclosed

Climate-Related Risks & Opportunities

Physical Risks

• Not disclosed

Transition Risks

• Not disclosed

Opportunities

• Not disclosed

Reporting Standards

Frameworks Used: Null

Certifications: LEED

Third-party Assurance: Not disclosed

UN Sustainable Development Goals

• Not disclosed

Not disclosed

Sustainable Products & Innovation

• Fabric by Gerber Life (digital life insurance and financial wellness solutions), UGMA account

Awards & Recognition

• Association of Talent Development’s BEST award
• Training magazine’s APEX award
• Pensions and Investments’ Best Places to Work list
• VIQTORY’s Military Friendly Employer designations
• Forbes’ America’s Best Employers by State list
• 2024 Research Impact Award at the Alpaugh Family Economics Center annual awards ceremony
• 2023 Gold Stevie Award — Young Customer Service Professional of the Year — Financial Services Industry
• 2023 Silver Stevie Award — Recovery Situation — Financial Services Industry

Environmental Metrics

ESG Focus Areas

• Environmental
• Social
• Governance

Climate Goals & Targets

Environmental Challenges

• Increased uncertainty of the successful integration of Terminix acquisition by Rentokil.
• Concerns over semiconductor equipment spending and export restrictions impacting Tokyo Electron.
• Deterioration in the electric vehicle market impacting Samsung SDI.
• Deteriorating fundamental weakness for global lithium demand impacting Sociedad Quimica Y Minera.

Mitigation Strategies

• Acknowledging the integration challenges of Terminix but believing the long-term opportunity remains.
• Believing that equipment funding for Tokyo Electron could be secured from alternative sources and that larger restrictions on mature technology are unlikely.
• Exiting Samsung SDI due to market challenges.
• Selling Sociedad Quimica Y Minera due to weakening lithium demand.

Supply Chain Management

Climate-Related Risks & Opportunities