At Banner, ESG-related oversight is shared among several groups with specific responsibilities assigned to each. Responsibility for climate risk management oversight rests with our Board's Risk Committee. [...] Our Board's Risk Committee provides oversight of climate-related issues and guides our strategy regarding climate risk. The Risk Committee receives quarterly updates on climate-related issues and status updates on the progress of our climate risk program. This includes information on greenhouse gas emissions data and transition and physical risks related to certain climate scenarios. [...] On the management level, climate-related responsibilities are assigned to the Enterprise Risk Management team, with direct oversight by the Chief Risk Officer and Chief Operating Officer. The team provides regular reports to the ESG Working Group, as well as quarterly reports to the Risk Management Oversight Committee and the Risk Committee. [...] Additionally, the report was submitted to the Board's Audit Committee, Corporate Governance/Nominating Committee and Risk Committee for pre-publication review and feedback. Finally, our internal audit team is engaged in the overall TCFD disclosure process, and we expect their feedback will help us to evaluate and improve the effectiveness of this process over time.