Basic Content Page Block

Utilizes a WYSIWYG text editor widget to display simple content.

Optional Pre-Title

Basic Content on White

Intro Text – Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua.

Paragraph Text – Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur.

BAI Policy Template	Description
802.11 Wireless Network Security Standard	The standard is to establish controls for 802.11 wireless networks in order to minimize risks to the confidentiality, integrity and availability of information and to support secure access to resources and services over wireless networks.
Acceptable Use of Information Technology Resources	Establishes the appropriate organizational use of information and information technology (IT) resources and effective security of those resources require the participation and support of the organization’s workforce (users). It applies to the users of any system’s information, or physical infrastructure. Users must comprehend the responsibilities and activities described in the document, and adhere to them.
Acceptable Use Policy	The purpose of this policy is to supplement and expand upon an organization’s Information Systems Security Policy by outlining policies, procedures and processes that outline the organization’s Acceptable Use Policy (AUP). The guidelines are in place to mitigate cybersecurity risks, events and the legal and compliance issues that arise from them.
Access Control	To ensure that access controls are implemented and in compliance with IT security policies, standards, and procedures.
Account Management/Access Control Standard	The purpose of this standard is to establish the rules and processes for creating, maintaining and controlling the access of a digital identity to an entity’s applications and resources for means of protecting their systems and information.
Accounting (CECL)	The purpose of this Current Expected Credit Loss (CECL) policy is for to maintain an adequate methodology for establishing, estimating and maintaining allowances for credit losses to properly reflect an accurate financial position of the organization while also ensuring that the institution complies with guidance outlined by regulatory agencies and the Financial Accounting Standards Board (FASB). The guidance is established as Accounting Standards Codification (ASC 326) that creates a measurement model to establish a proper allowance for loan losses based on current expected credit losses rather than incurred losses.
Accounts Payable and Employee Expense Policy	This policy provides guidelines for the accounts payable function and the reimbursement of employee expenses incurred in connection with activities formalized by the Board of Directors of this Institution. This policy and subsequent procedures are designed to ensure legal and regulatory compliance while allowing a degree of flexibility and judgment for approving officers.
Active Shooter	The purpose of this policy is to minimize the risk of personal injury to employees at work and damage to institution and personal property. To meet this goal, it is vital that all employees read, understand, and follow all elements of this policy.
Americans with Disabilities Act	The policy is to ensure the organization will provide equal access to people with disabilities and to comply fully with Title III of the Americans with Disabilities Act (ADA) with respect to policies, programs, services, and activities. This policy applies to all members of the public with disabilities using or attempting to use our services (including online services), locations and facilities.
Appraisal	Appraisal guidelines have been established to assist you in protecting your interests in real estate-related transactions by requiring minimum real estate appraisal standards be used. Appraisals and evaluations are required to be (1) in writing (including electronic delivery), (2) performed in accordance with established standards, and (3) performed by appraisers and evaluators whose competency has been demonstrated and whose professional conduct will be subject to effective supervision.
Bank Bribery Act	To prevent any conflict-of-interest issues, INSTITUTION employees and officials are prohibited from engaging in any activities prohibited by the federal Bank Bribery Act, 18 U.S.C. § 215, and the relevant NCUA Rules and Regulations.
Change of Address	A policy for applicants and members that need to update/change their address. Having the incorrect mailing address can cause the institution to be out of compliance with multiple regulations and will most likely result in any mail sent by the credit union being returned.
Charitable Donation Accounts	The policy has been established to ensure that the Credit Union’s charitable and financial resources are used in a way that follows it’s charter and best serves its membership.
Clean Desk	The policy was developed to improve the security and confidentiality of information. This ensures that all sensitive and confidential documents and information, whether it be on paper, a storage device, or a hardware device, is properly locked away or disposed of when a workstation is not in use. This policy will reduce the risk of unauthorized access, loss of, and damage to information during and outside of normal business hours or when workstations are left unattended. A Clean Desk Policy is an important security and privacy control.
Cloud Computing Policy	The policy provides ongoing oversight and monitoring of cloud service providers, which are important to gain assurance that cloud computing services are being managed consistent with contractual requirements, and in a safe and sound manner. In general, this oversight and monitoring includes, at a minimum, evaluating independent assurance reviews (e.g., audits, penetration tests, and vulnerability assessments), and evaluating corrective actions to confirm that any adverse findings are appropriately addressed. It is the responsibility of the organization to assess, select, engage, and oversee the cloud computing services to ensure such actions are consistent with the INSTITUTION’s strategic plans and corporate objectives.
Commercial Loan (CML)	The general Commercial Credit Policy addresses the composition and control of the loan portfolio as a whole and establishes standards for individual credit decisions. Supplementing this general policy, and subordinate to it, are separate policies including this Commercial Lending Policy covering specific types or aspects of lending.
Commercial Real Estate (CRE) Loan	The general Commercial Real Estate Credit Policy addresses the composition and control of the loan portfolio as a whole and establishes standards for individual credit decisions. Supplementing this general policy, and subordinate to it, are separate policies including this Real Estate Lending Policy covering specific types or aspects of lending.
Community Reinvestment Act (CRA) – Large Bank	The policy purpose is to state the Community Reinvestment Act (CRA) requirements to encourage banks to reinvest in their local communities through affirmative credit programs and community involvement, specifically for banks which are defined as an intermediate or large bank.
Community Reinvestment Act (CRA) – Small Bank	The policy purpose is to state the Community Reinvestment Act (CRA) requirements to encourage banks to reinvest in their local communities through affirmative credit programs and community involvement, specifically for banks which are defined as a small bank.
Community Reinvestment Act (CRA) – Strategic Plan	This document is designed to assist banks with the development of a CRA strategic plan, and submit this plan to its regulatory agency for proper approval. The plan will specify measurable goals for helping to meet the credit needs of each assessment area covered by the plan; particularly the needs of low- and moderate-income geographies and low- and moderate-income individuals, through lending, investment, and services, as appropriate.
Complaint	The policy governs the receipt, investigation, analysis and response to general complaints regarding an institution. Complaints are defined as issues noted and communicated related to credit bureau reporting issues, some mortgage loan issues, and electronic transaction issues are covered by other regulations. These complaints are taken seriously, and will be responded to in an appropriate amount of time.
Compliance Management Systems	The policy was designed to govern the management of processes, policies, procedures, training used to comply with all consumer laws and regulations and to manage the compliance program to ensure the lowest possible risk to our institution. It sets an expectation for all employees to comply with the specific details and the spirit of all consumer laws and regulations. This policy statement is intended to assist all affected employees in understanding and carrying out that mandate.
Computer Security Threat Response	This policy is to define the responsibility in responding to security threats affecting the confidentiality, integrity, and/or availability of information technology (IT) resources.
Configuration Management	The policy was designed to ensure that Information Technology (IT) resources are inventoried and configured in compliance with IT security policies, standards, and procedures.
Consumer Leasing	The offering of a consumer lease program at an institution should include internal controls used to comply with the Truth-in-Lending Act, Regulation M, and all other appliable consumer federal and state laws and regulations. These internal controls will also be used to mitigate the risks to the institution and consumers who apply for them. This policy also covers, the need to ensure the lessees of personal property receive the required disclosures, requirements to limit the amount of balloon payments in consumer lease transactions, and how to promote accurate disclosures of lease terms in the institution’s advertising.
Consumer Loan	The general Consumer Credit Policy was designed to address the composition and control of the loan portfolio as a whole and establishes standards for individual credit decisions. Supplementing this general policy, and subordinate to it, are separate policies including this Consumer Lending Policy covering specific types or aspects of lending.
Contingency Planning	The policy was designed to ensure that normal Information Technology (IT) resources and information systems are available during times of disruption of services.
Credit Card	The policy is subordinate to and subject to the guidelines and principals stated in our general Consumer Credit Policy including such subjects as nondiscriminatory lending, consumer protection regulations, lending structure, approval authority, credit standards and guidelines, trade area, loan portfolio composition.
Credit Card Compliance	The purpose of this policy is to establish and maintain an effective compliance management system that ensures the Institution’s adherence to applicable laws and regulations. By implementing robust compliance practices, the Institution aims to mitigate legal risks, protect sensitive information, and uphold its commitment to ethical business conduct.
Cryptocurrency Policy	The policy was designed to govern the processes and risks inherent with offering its customers a Cryptocurrency Service through its Internet and mobile banking product platforms that provides the convenience of functionality such as buying and selling, withdrawing funds, and pricing.

Basic Content Page Block

Optional Pre-Title

Basic Content on White

Optional Pre-Title

Basic Content on White – Centered

Optional Pre-Title

Basic Content on White – Two Column

Optional Pre-Title

Basic Content on White – Two Column

Optional Pre-Title

Basic Content on White – Two Column

Optional Pre-Title

Basic Content on White – Two Column

Optional Pre-Title

Basic Content on White – Two Column

Optional Pre-Title

Basic Content on Blue

Optional Pre-Title

Basic Content on Blue – Centered

Optional Pre-Title

Basic Content on Blue – Two-Column

Optional Pre-Title

Basic Content on Blue – Two-Column

Optional Pre-Title

Basic Content on White – Two Column

Optional Pre-Title

Basic Content on White – Two Column

Optional Pre-Title

Basic Content on White – Two Column

Optional Pre-Title

Basic Content on White

Optional Pre-Title

Table Test