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Since 2005, we have followed the Sustainable Packaging Coalition Guidelines, looking to use packaging that is sourced responsibly, made entirely using renewable energy and recycled after use.

We maintain healthy forests and minimize losses caused by fire, insects and disease.

Evidence suggests that deep-well fluid injection, a completely separate process for waste water disposal, can cause seismic activity.

In December 2013, TRI Pointe acquired 67 lots located in Castle Rock, Colorado, for a purchase price of approximately $3.8 million from an entity managed by an affiliate of the Starwood Capital Group.

Wetlands are a vital link to the health of waterways and downstream biotic communities, as they improve water quality, trap floodwaters, recharge groundwater, provide fish and wildlife habitat and support recreation activities such as boating and fishing.

The remaining catastrophe losses of $56.3 million for the year ended December 31, 2020 were mainly attributable to Hurricanes Sally and Laura with smaller losses from Hurricanes Delta and Zeta, wildfires in the U.S. and other U.S. and international events.

Also, where appropriate, we adjust drilling site locations to accommodate habitat features and priorities for certain species.

Domestic demand for oil and natural gas could also be uniquely affected by public attitude regarding drilling in environmentally sensitive areas, vehicle emissions and other environmental standards, alternative fuels, taxation of oil and gas, perception of “excess profits” of oil and gas companies, and anticipated changes in governmental regulation and policy.

Real estate development is subject to state and federal regulations and to possible interruption or termination because of environmental considerations, including, without limitation, air and water quality and protection of endangered species and their habitats.

APS has completed implementing the scope of work specifi ed in the Administrative Order of Consent to evaluate potential groundwater In 2009, Pinnacle West was one of just two utilities in the United States and 14 utilities worldwide to earn the “best in class” status from Storebrand Socially Responsible Investment (Group?) for its leading environmental and social performance.

state renewable and alternative energy requirements In 2011, in response to the Illinois Renewable Energy Portfolio standard, the REC energy supply mix supported by ComEd default and hourly energy service customers included more than 2 million MWh of generation from wind and other renewable energy resources, located in Illinois and adjoining states.

Wind increases from 27% to 28%, mainly as a consequence of new capacity installed in higher resource areas.

We believe each of our top six subsidiaries has strong sources of sustainable competitive advantage, including via patent portfolios which were markedly strengthened in 2017.

The Modi government, elected in May 2014, has made a number of important policy statements in support of investment in the infrastructure sector.

This includes support for the first Working Woodlands project in Tennessee: 3,000 acres of working forest located in the Cumberland Plateau, an important landscape-scale conservation area with high biodiversity that is under threat from development and forest fragmentation.

The Home Depot purchases wood responsibly throughout the world.

This global network of water champions also shares best practices in water management using a global database of water-reduction projects.

Pioneering a new era in the use of low carbon fuels, these new ships will use LNG to generate 100 percent of their power both in port and on the open sea - an innovation that will reduce carbon emissions to help protect the environment.

If we experience another economic downturn in the future, our landlords may be unable to obtain financing or remain in good standing under their existing financing arrangements, resulting in failures to pay required tenant improvement allowances or satisfy other lease covenants to us.

Plans include important watershed restoration projects in Minnesota and Massachusetts as well as a national awareness and engagement campaign.

Each business unit and major project is responsible for determining the water risks associated with its business plan, focusing on sustained access to source water and produced water disposal for onshore assets and produced water discharge or disposal for offshore assets.

The landscape of the Pacific Northwest is dynamic.

It is our longstanding policy to ensure we and our fiber suppliers comply with all laws and our practices do not cause or encourage the destruction of forest areas at risk of loss due to illegal and unsustainable practices.

“We are proud to be a supplier partner of Kroger and be able to meet their seafood sustainability goals through our company’s active engagement in Fishery Improvement Projects (FIPs) and working closely with Kroger’s NGO partner, the World Wildlife Fund (WWF), in supporting these initiatives.

I salute their exemplary efforts to continuously look at ways to manufacture better products using fewer raw materials and less energy.

Through our board-level membership in the Natural Resources Stewardship Circle (NRSC) network of raw material users, IFF is working to preserve the biodiversity of the vetiver supply chain and to develop cooperative, sustainable fair-trade projects with the local communities and farmers who grow this crop.

A community garden with a pollinator habitat replaced a former chemical processing facility in Olathe, Kansas, as part of a remediation strategy that is setting new standards for environmental stewardship.

Related to operations in Guarujá, Brazil, Dow developed three important environmental programs: Clean Mangrove (education for community members about the local environment), Bird’s Port (recovering and improving the attractiveness for birds in all areas of the Guarujá Marine and Terminal) and Ambassadors of the Environment (partnership with Jean-Michel Cousteau’s Ocean Futures Society to provide education and unique experiences for students in a preserved mangrove area).

Through our membership in the Mining Council of Australia, we participated in the Australia EITI Secretariat’s review of the country’s ability to implement and comply with the current EITI Standard.

The Report provides our progress towards achieving our eleven sustainability goals that focus on reducing our footprint and energy needs as well as researching and developing products.

The Foundation is now working with the Rainforest Alliance, the U.S. Forest Service and several other companies in the U.S. in The Appalachian Woodlands Alliance (AWA), an effort to encourage woodland owners in south and central Appalachia to manage their land according to FSC standards.

The plant consists of a one story concrete block building, which contains a seawater reverse osmosis water production plant with a production capacity of 600,000 gallons per day and a 1.0 million gallon potable water storage tank.

“One of the most innovative technologies we use to treat stormwater that flows from Santa Susana is a biofilter that harnesses the natural ability of soil and native plants to get rid of contaminants,” said Taege, environmental engineer and stormwater project leader.

The ranch is designated an Important Bird Area by the National Audubon Society.

Risks inherent in the Bank’s participation in such programs, through its Crestmark division, include: (i) some of these programs guarantee only a portion of the commercial loan made by the Bank; as such, if the borrower defaults and losses exceed those guaranteed by the government agency, the Bank could realize significant losses; (ii) certain programs, including some guaranteed by the United States Department of Agriculture, limit the geographic scope of such loans; as such, if the Crestmark division is not able to market these loans to potential borrowers, the Bank’s share in this market may be negatively impacted; (iii) the intended beneficiaries of such loan programs may experience a contraction in their credit quality due to local, national, or global economic events or because of factors specific to their business, including, for example, businesses dependent upon the farming and agriculture industry; as such, any negative impact to certain commercial business lines designed to benefit from such government-sponsored loan programs could constrict the Bank’s business in these areas; and (iv) nearly all of these guaranteed loan programs are subject to an appropriations process, either at the legislative or regulatory level; this means that funds that may be currently available to guarantee loans or portions of loans could be limited or eliminated in their entirety with little or no advance warning.

Our efforts to offset carbon emissions from our headquarters are equivalent to planting nearly 245,000 trees or removing more than 1,800 passenger cars from the road for one year.

PROGRESS Develop a sustainable lifestyles index (SLI) for implementation (2016) Following the development of the SLI, we have undertaken it at five sites Create a One Planet Living community (2018) Having received endorsement in 2017, our Marrick & Co residential development in Sydney’s inner west is now under construction Create biodiversity plans for all assets (2018) More than 30 assets have biodiversity plans.

Real estate loans can be further segmented into construction and land development, farmland, one-to-four family residential, multi-family, and commercial or industrial.

Together, they have a diversified operation including corn, soybeans, oats and hay, plus a beef cowcalf herd and a dairy operation.

In an effort to combat marine plastic pollution, we began collaborating with Parley for the Oceans in the beginning of 2018 to raise awareness of this issue, and we aim to launch the first-ever American Express Credit Card manufactured primarily from reclaimed plastic collected from oceans and coasts.

Biotechnology Biotechnology has the potential to bring about significant benefits, such as improved nutrition, enhanced pest resistance, increased yields and new products such as vaccines.

When we consider new facility locations or routes, or maintain and/or upgrade existing facilities, environmental staff members work with project teams to avoid potentially sensitive areas, protect the surrounding environment and minimize potential impacts to ecological, archaeological, historic and other cultural resources.

Small Business Banking also introduced a new dairy farm lending program, a new succession planning financing offer and a new client relationship management tool for sales staff.

These thirdparty verified Environmental Product Declarations are based on life cycle assessment results from North American wood products data and cover the life-cycle that includes raw material extraction through the manufacturing process.

• Develop and acquire new technologies and market share—We will continue to enhance our market position through our existing technologies and develop new technologies through our internal research and development efforts, as well as through the acquisition of additional complementary technologies, intellectual property, manufacturing processes and product offerings.

Environmental We strive to reduce our environmental impact by increasing energy and water efficiency, reducing greenhouse gas emissions, investing in projects that reduce energy and water consumption that meet our rate of return thresholds, and focusing on the environmental aspects within our supply chain.

Users of this information should be aware that the process of estimating quantities of proved natural gas, NGLs and crude oil reserves is very complex, requiring significant subjective decisions in the evaluation of all available geological, engineering and economic data for each reservoir.

When fully operational in early 2019, the wind farm expansion will generate renewable electricity equivalent to the amount Cummins uses at all of its Indiana facilities.

In addition, the Company’s primary regulators, Agricultural land and production - Loans secured by crop production and the FDIC and California Department of Business Oversight, as an integral part livestock are especially vulnerable to two risk factors that are largely outside the of their examination process, review the adequacy of the allowance.

Our resource plans do include more renewables and natural gas-fueled generation based on the current prices for those sources of generation in the market place, irrespective of the CPP.

46 Baker Hughes Incorporated Environmental stewardship in hydraulic fracturing operations While hydraulic fracturing has existed for many years, it has attracted increased attention in recent years because of the potential for social and environmental impacts.

The Cardinal Plant, in Brilliant, Ohio, is one of AEP’s plants most likely to be affected by the U.S. EPA’s proposals to modify cooling water intake systems to reduce the impact on aquatic life.

It's an attractive bit of paper.

We continue to train and certify employees responsible for refrigeration and airconditioning plants, use recovery units certified to meet refrigerant recycling and recovery requirements and implement programs to reduce Ozone Depleting Substances (ODS) releases.

Similar technology solutions to minimise water waste are in place across our operations.

Current LEED projects at the campus include the promotion of bicycle and pedestrian traffic, use of sustainable building materials, reduction of waste, recycling, and the use of high-efficiency water systems and LED lighting.

One such impact at our mining facilities in Central Florida is the loss of farm output due to farmland being used for mining.

Responsible, ethical and sustainable business behavior is critical and we must continue to put partnership and collaboration at the heart of what we do.

When biomass is burned, this stored carbon — which would have been emitted through natural decay — is released into the atmosphere and reabsorbed by the growing forest.

The U.S. General Services Administration Solicitation for Offers requirement (Section 7.4) encourages the use of certified wood for all new installations of wood products, and references FSC United States and SFI for more information.

The NRPA’s Parks for Monarchs program supports creating monarch waystations, planting milkweed and native plants to increase pollinator gardens, and educating the public through programming and interpretation.

The homebuilding and land development industry is capital-intensive and requires significant up-front expenditures to acquire land parcels and begin development.

3M’s participation on supplier field assessments with TFT helps us to understand first-hand the challenges faced by pulp and paper companies and forest managers around the world.

This voluntary partnership between government and industry was created to reduce methane leakage and emissions to the environment.

The FIO is initially charged with monitoring all aspects of the insurance industry (other than health insurance, certain long-term care insurance and crop insurance), gathering data, and conducting a study on methods to modernize and improve the insurance regulatory system in the United States.

Griffin may experience increased costs of raw materials and energy, which could adversely affect its operations.

25 2 Book values included as higher and better use land in western North American timber operations, see page 32 In addition to the properties listed above, we have been actively developing a number of hydroelectric power facilities in Brazil and North America as well as wind generation facilities in Canada which are described further under Power Generating Operations.

The particular environmental requirements which apply to any given site vary according to multiple factors, including the site’s location, its environmental conditions, the current and former uses of the site, the presence or absence of endangered plants or animals or sensitive habitats, and conditions at nearby properties.

Homebuilders compete for, among other things, home buying customers, desirable land parcels, financing, raw materials and skilled labor.

2014 Citizenship and Sustainability Report demonstrate compliance with the applicable water quality standards.

The WQC contained numerous conditions, including requirements for water quality, rare threatened and endangered species and fish passage.

Southeast Alaska Mapping Project In Southeast Alaska, a watery web of islands and estuarine channels form an especially important link between the depths of the North Pacific and the rainforest’s tumbling salmon streams.

One Grow Green (Crece Verde) — our biggest environment-friendly program, 100% developed and run by FirstBank, drives reforestation efforts.

It is not crop specific.

APS partners with Liberty Wildlife at several birding events and nature festivals.

It’s easy to do with our community recycling program.

We are committed to full compliance with these legal requirements, which require significant capital allocation for permitting, emissions fees, environmental monitoring, installation and operation of pollution control equipment, biological studies and species protection.

Depreciation and amortization increased in 2006 due to the acquisition of additional property, power and timberland assets during 2005 and 2006.

Natural disasters, changing weather patterns and unfavorable weather could negatively impact the Company’s business, financial condition and future results of operations or profitability.

We communicate these messages in a variety of ways, including through videos and environmental briefings (for home and home office and for enterprise).

In this regard AIB engaged a new electricity supplier, Energia, to commence the provision of 100% green electricity for all AIB locations in the Republic of Ireland.

Seasonality The Company’s results of operations are expected to reflect the seasonal nature of the natural gas business.

Waste that cannot be recycled at our U.S. factory is converted into bio-fuel pellets.

Revenue generated by ultra-deepwater floaters increased $61 million in 2012 as compared with 2011, primarily due to increased average daily revenue of $30 million and increased utilization of $30 million due to higher revenue earning days.

Significantly, Dow is in compliance with the Montreal Protocol so that Dow no longer emits non-Kyoto gases, which may deplete the ozone layer rapidly.

Cathay United Bank Co., Ltd. established “Vietnamese Big Tree Projects” to donate student aid fund.

Fuels consumed for electric generation Since 2008, the use of coal and oil as generation fuels has significantly decreased.

We cover biodiversity in the Environment section of the report; facilities owned are reported in 2009 Annual Report and Form 10-K (p 110).

Our standard recycled materials include plastic, glass, paper, cardboard, oily waste, used cooking oil, refrigerants, aluminum, electronic equipment, toner cartridges, batteries, fluorescent lamps, silver (recovered from photo and X-ray processing fluids) and scrap metal.

Biodiversity Enhancement Initiatives We are actively involved in a number of projects designed to enhance biodiversity within our operating areas.

A critical part of our leadership includes engaging with stakeholders — employees, partners, shareholders and communities near our operations — to address climate-related risks and other environmental and social interests.

We seek to increase shareholder value while operating in an environmentally and socially responsible manner.

Note: Data summary of wildlife mortalities was adjusted in 2012 to include specific data on “Least Concern” and “Near Threatened” mortalities where before they were reported together as not specified.

Real estate loans are further categorized into construction and development, one-to-four family residential, multifamily, farmland and commercial real estate loans.

Shipping Keybridge’s shipping transactions are equity investments in vessels that carry wet or dry cargoes.

We also reduced our annual aircraft greenhouse gas emissions by 8.4 million metric tons compared to 2005, an 18.5 percent reduction.

RAINFOREST ALLIANCE CERTIFIED™ The Rainforest Alliance is an international nonprofit organization that works around the world to conserve forests, natural resources and biodiversity while advancing sustainable livelihoods.

as well as rainwater harvesting tanks, in order to reduce on-site water consumption.

This is mainly due to the recycled fi ber process and the water and by-products left behind after usable fi bers are extracted.

Across our operations, we have taken action to protect a number of species.