We provide an evaluation of the Institution’s overall Compliance Management System upon engagement that will encompass review of the Institution’s internal compliance risk assessments (i.e., fair lending, UDAAP, red flags, etc.), policies, procedures, internal monitoring and audit, compliance committee activity, training, Board oversight and reporting, and actions taken in response to any previous audit and examination findings. Upon completion of the assessment, Sterling will issue a formal, written report summarizing our evaluation of the scope, depth, quality, and effectiveness of the Institution’s compliance risk management and oversight relative to the Institution’s risk profile, regulatory requirements, and supervisory expectations, as well as detailing any findings and recommendations for improvements or enhancements, as appropriate.