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ESGBERT 25

RCI Radiance-class ships. 2006 We establish the Galápagos Fund to support conservation initiatives specific to the Galápagos Islands.

Catastrophes are caused by various natural events including high winds, excessive rain, winter storms, severe winter weather, tornadoes, hailstorms, wildfires, tropical storms, and hurricanes.

We have a robust ESE policy framework, with sector specific policies relating to high risk sectors including oil and gas, mining and metals and forestry.

The geographic analysis in the Business Review, including the average balance sheet and interest rates, changes in net interest income and average interest rates, yields, spreads and margins in this report have generally been compiled on the basis of location of office - UK and overseas – unless indicated otherwise.

It also cultivates open collaborative innovation with the startup ecosystem.

This initiative will help farmers identify and adopt practices that improve the efficiency of their entire crop rotation, including oats.”– Denis Trémorin, Director of Sustainability, Pulse Canada Challenges: Sustainability challenges in the wheat supply chain include GHG emission reduction and the need to reduce water usage while increasing biodiversity.

The fair value is determined using the Monte-Carlo simulation for the relative TSR component; key judgements and assumptions include exercise price, vesting and performance criteria, security price at grant date, volatility, distribution yield and risk-free interest rate and a Binomial tree method for the ROIC component.

Excludes Duke Energy Renewables, which has smaller volumes, and large nonreplicable projects such as plant demolitions.

Through a series of acquisitions in 2015 and first half 2016, Three Rivers III has built a position of over 55,000 net acres in the Permian Delaware basin, primarily in Culberson & Reeves counties.

APS’s Forestry Program The APS Forestry Program includes the maintenance and control of trees, shrubs and brush growing around APS facilities and equipment — including overhead power lines, poles and underground electrical equipment.

In December, 2019, the judge overseeing the bankruptcy of PG&E approved an $11 billion settlement of insurance subrogation claims to resolve all such claims arising from the 2017 Northern California wildfires and 2018 Camp wildfire.

Currently, AEP’s primary challenge is on larger species that are more likely to be electrocuted in substations and on poles or to collide with towers and lines.

Shade intolerant Trees or plants that grow better in direct sunlight than in the shade of other trees.

AT1 ISSUANCE €625m Having published our Green Bond Framework in 2019, AIB became the first Irish bank to enter the growing green bonds market in September 2020.

Supply chain 45% Greenhouse gas emissions in our supply chain result mainly from the raw materials used in, and manufacturing of, our products.

Although every reasonable effort is made to ensure reserve estimates reported represent the most accurate assessments possible, the subjective decisions and variances in available data for various reservoirs make these estimates generally less precise than other estimates included in the financial statement disclosures.

As of December 2014, 13 Freeport-McMoRan sites were certified by the Wildlife Habitat Council’s (WHC) Wildlife at Work program, which recognizes activities that create, conserve and restore wildlife habitat on corporate lands.

They play an undeniable role in our efforts to protect the long-term viability of our ecosystems.

As with other property and casualty insurers and reinsurers, AXA’s operating results and financial condition can be adversely affected by volatile and unpredictable natural and man-made disasters, such as hurricanes, windstorms, earthquakes, fires and explosions.

BIODIVERSITY Our obligation to protect the earth’s biodiversity drives Carnival to minimize water and air pollution, dispose of waste responsibly and effectively manage our environmental impacts.

for example, Cat world trade helps the forestry industry market woodchips and other biomass to renewable energy producers and also supports landfill operators, dairy farmers and other Caterpillar customers who convert biogas to energy.

Regions Timberland Group, a business of Regions that is managed by the trust division, operates and acts as trustee for timber land and related assets in timber land funds, primarily serving institutional investors.

The lands we manage in Uruguay are certified to the Uruguayan sustainable forestry standard, a system recognized by the Programme for the Endorsement of Forest Certification.

This PNW CRR 39 further reduces our carbon footprint and decreases noise when working in residential neighborhoods.

Catastrophes can be caused by various events, including hurricanes, floods, windstorms, earthquakes, hailstorms, tornadoes, explosions, severe winter weather, fires, droughts and other natural disasters.

Pollinating insects are necessary to support production of many of our food crops, such as apples, tomatoes and watermelon.

In addition, Intel employees responded to these events with great generosity, contributing $1.8 million toward tsunami relief, $1.6 million to help the victims of Hurricane Katrina and $475,000 for those affected by the earthquake in Pakistan.

Utilizing Dow Water & Process Solutions reverse osmosis (RO) technology, the program aims to set up water purification plants to provide access to a clean drinking water supply at a minimum maintenance cost of Rs. 2 per 10 liters of water.

It is in this spirit that community involvement is woven into all we do, from community donations and leadership to sound business practices that provide sustainable and affordable energy.

The FSC® standard for environmental responsibility in forest management is recognized around the world.

Energy Management also works with our Store Design group on sustainable design elements; recent upgrades have included restroom fi xtures that reduce water usage, hand dryers that reduce paper towel usage, highly-effi cient HVAC, lighting, roofs and insulation.

Risks The most significant corporate responsibility risks arising from the Company’s investment activity are likely to relate to environmental, ethical, governance and social issues.

Each year, WCC students complete a 10-day project involving habitat restoration and other land-stewardship activities.

We use decades of research to maximize timber growth while conserving important environmental attributes of these ecosystems.

In connection with the timberland agreement, the company also acquired a direct interest in 3.6 million cubic metres of annual crown harvest rights, together with associated sawmills and remanufacturing facilities for approximately $200 million, including working capital.

About one-half of marketing paper is Forest Stewardship Council-certifi ed.

It used to take almost 2 gallons of water to make 1 gallon of UPW.

We ensure that all of our virgin wood-based paper products are derived from sustainably-managed forests.

Natural disasters, such as hurricanes, tornadoes, wildfires and floods, could trigger an economic downturn in the affected areas, which could result in a decline in our business and an increased claim rate on policies in those areas.

Programs focus on providing specialized technical engineering and analytical support to our global operations and Qatargas, conducting applied research to qualify advanced technologies for operations, and organizing outreach activities related to water sustainability.

16 Environmental regulations can also have an adverse impact on the availability and price of certain raw materials, such as lumber.

Management's Discussion and Analysis of Financial Condition and Results of Operations 77 driven by lower estimated losses for the 2017 and 2018 California wildfires, including a $260 subrogation benefit from PG&E, as well as a reduction in losses for various 2017, 2018 and 2019 wind and hail events.

While Baxter does not require its facilities to report on activities to protect biodiversity, sites are required to understand their impact on the environment and incorporate conservation of biodiversity into their environmental management systems or community outreach programs where appropriate.

In future years, water consumption per employee will be measured and compared to similar office environments to ensure that consumption within our offices is within reasonable limits.

For example, mining bauxite requires shallow pits, haul roads, and other infrastructure that result in the removal of native vegetation.

The fair value of the trees is at the Directors' Valuation having regard to, amongst other matters, replacement cost and value of commercial production of the trees.

This multi-stakeholder, collaborative process has brought together growers, agribusiness, food and restaurant companies and conservation organizations to discuss and promote sustainable agricultural methods.

Water use decreased by 3% compared to 2014 across all facilities and decreased by 5% at the company’s 44 priority sites in water-stressed regions.

In 2013, Murdoch researchers found that the black cockatoos were feeding at Boddington’s rehabilitated sites only seven years after the sites had been revegetated with native trees and shrubs.

For example, many of our properties are located in coastal regions and would, therefore, be affected by any future increases in sea levels or in the frequency or severity of hurricanes and tropical storms to the extent they are located in impacted areas.

We have replaced several hazardous solvents with safer alternatives over the years, and, in 2014, we completed a Six Sigma project focused on several additional solvents to replace.

14 15 “From Florida to Montana, we’ve revitalized fire and drought- damaged national park and wilderness areas.

Longer-term weather trends are changing and new types of catastrophe losses may be developing due to climate change, a phenomenon that may be associated with extreme weather events linked to rising temperatures, including effects on global weather patterns, sea, land and air temperature, sea levels, rain and snow.

In July 2020, we announced a plan to promote sustainable development in the Amazon, including better controls over the value chain of meat processing firms and to enlist them to help end deforestation.

Our investments are subject to various federal, state, and local laws, ordinances, and regulations, including, among other things, the Americans with Disabilities Act of 1990, the Fair Housing Amendments Act of 1988, zoning regulations, land use controls, environmental controls relating to air and water quality, noise pollution, and indirect environmental impacts such as increased motor vehicle activity, and fair housing laws.

Following the merger, we intend to add GBV’s existing technical capabilities and digital asset miners and expand our activities in the mining of new digital assets, while at the same time harvesting the value of our remaining IP assets.

As a global organization we face the challenge of conducting operations in areas with sensitive or unique environmental characteristics.

Sensors, drones, data analytics software and other technologies allow for precision agriculture, giving farmers more detailed information more easily.

Guest, employees can meet with each other and with customers and partners around the world without the productivity loss, work-life impact, or GHG emissions of physical travel.

22 Over two thousand students helped plant 153 new trees.

to minimize the volumes of discharges at sea.

Research and Development We consider environmental factors from the earliest stages of design and development.

Our operating units establish and maintain documented environmental objectives, including those addressing biodiversity, and manage progress toward those objectives.

Presented annually, the award honors those in New York State who have shown remarkable leadership and commitment to Audubon’s mission to conserve and restore natural ecosystems.

Keep Korea Green About 470 Yuhan-Kimberly employees and their families joined together to plant more than 9,000 trees on public lands in the South Korean cities of Daejeon, Gimcheon and Chungju in March and April, contributing to the more than 2 million trees that had been planted and nurtured in 2012 through the company’s Keep Korea Green program.

Certain Relationships and Related Transactions, and Director Independence.

Master Amendment to Partnership Agreement, Management Agreement and Definition and Adjustment Agreement, dated as of January 2, 2002, by and among Piedmont Coca-Cola Bottling Partnership, CCBC of Wilmington, Inc., The Coca-Cola Company, Piedmont Partnership Holding Company, Coca-Cola Ventures, Inc. and the Company.

Supporting Our Communities in Times of Disaster https://cvshealth.com/newsroom/press-releases/cvs-health-announces-10-million-donation-following-store-fundraising 72Health in Action Providing Care for Hurricane Harvey Evacuees Supporting Our Communities in Times of Disaster | Feature Story 73 Justin Koch had only lived in Houston for two months when Hurricane Harvey made landfall along the Texas coast.

Working against all of these strong operational actions will be the previously mentioned foreign exchange headwind, which results in approximately $0.85 to $0.95 of EPS pressure year-over-year.

Because of this shared sense of responsibility, the company carefully manages environmental activities and addresses environmental stewardship at every level of our organization.

Large corporations or banks are seeking to divest non-core assets as they restructure their balance sheets and policy drivers continue to underpin activity in the renewables and social infrastructure space.

This transition impact reflects (i) a $4.9 billion build to the Allowance for credit losses for Citi’s consumer exposures, primarily driven by the impact on credit card receivables of longer estimated tenors under the CECL lifetime expected credit loss methodology (loss coverage of approximately 23 months) compared to shorter estimated tenors under the probable loss methodology under prior U.S. GAAP (loss coverage of approximately 14 months), net of recoveries; and (ii) a release of $0.8 billion of reserves primarily related to Citi’s corporate net loan loss exposures, largely due to more precise contractual maturities that result in shorter remaining tenors, incorporation of recoveries and use of more specific historical loss data based on an increase in portfolio segmentation across industries and geographies.

As a result, pipeline infrastructure has been and continues to be developed to move natural gas and NGLs from these supply basins to market areas, resulting in changes in pricing dynamics between supply basins, pooling points and market areas.

This pilot will enable the development of automated methods of computer-based recognition of species, which is particularly useful for locating rare and endangered species that call less frequently.

Following the renegotiation of most of its imported waste contracts, Attero expects that the immediate impact of the tax on its financial performance will be limited.

The team educated fellow colleagues about top water issues, including life in arid areas and the influence of el Niño, and offered tips on conserving water in their everyday lives.

cooling at the BD Medical facility in Columbus, Nebraska waste water emissions ozone-dePleting suBstances Hydrochlorofluorocarbons (HCFCs) are ozone-depleting substances used in refrigeration and as a manufacturing aid in limited cases.

Proposed federal legislation concerning tax deductions currently available with respect to oil and gas drilling may adversely affect our net earnings.

We continue to seek new and innovative ways to increase our conservation efforts.

This policy established the framework for our approach to responsible environmental management and conservation of resources, emphasizing prevention of pollution at the source.

As water quality decreases, Baxter will need to use additional energy and water for the production of highly purified water used in manufacturing.

As indicated in the accompanying Management’s Annual Report on Internal Control over Financial Reporting, management’s assessment of and conclusion on the effectiveness of internal control over financial reporting did not include the internal controls of certain subsidiaries of Mountain Merger Sub Corporation (successor by merger to MTGE Investment Corp.), namely Annaly Healthcare Investments LLC (formerly Capital Healthcare Investments, LLC) and its subsidiaries, which is included in the 2018 consolidated financial statements of the Company and constituted $321.6 million and $115.1 million of total assets and total equity, respectively, as of December 31, 2018, and $2.1 million of net income (loss) for the year then ended.

The location within which the Viking infrastructure is situated was proposed by the U.K. government as an example of offshore sandbank and biogenic reef habitat type and was designated as a Marine Protected Area (MPA) in 2010.

Ensuring the Safety and Environmental Performance of Our Products | Sustainable Procurement BD Sustainability Report | 2012 www.bd.com/sustainability 26 Human health and a healthy environment are directly linked.

New generation of cruise ship innovations brought to market with inauguration of world’s now largest cruise ships (Oasis of the Seas and Allure of the Seas) featuring an open-air Central Park, Boardwalk carousel and Aqua Theater. 2010 Celebrity Cruises completed a five-ship expansion with the launch of Celebrity Solstice and her four sister ships. 2012 Galápagos Fund established to support conservation initiatives on the island.

The head of CSR attends periodic meetings with client-facing partners to provide updates about our environment, social and governance policies and procedures.

The modernized plants have greater generation capacity when compared to the previous plants, without using additional water for that capacity.

certifies smelters and refiners that source only conflictfree minerals Cisco worked with the EICC to develop a standard methodology for auditing the metals supply chain, which is intended to create a common way of collecting and reporting this information.

But biotechnology shows promise to address such issues as strengthening crops against drought and extreme temperature, and delivering more nutritious food, even in poor soil conditions.

Although our Bridal Veil hydropower generator in Telluride, Colorado, was down for much of the year for maintenance and rehabilitation, in 2013 it produced 201,600 kilowatt hours of electricity that was sold to the local power company. 2013 Electric Power Sourced from Hydroelectric and Other Renewables Note: Power utilized by mining operations only.

The contractual maturity ranges of the commercial and industrial, construction, land development and other land loans, 1-4 family residential (including home equity), commercial real estate (including multi-family residential), agriculture (including farmland) and consumer and other portfolios and the amount of such loans with predetermined interest rates and floating rates in each maturity range as of December 31, 2013 are summarized in the following table.

This covers two main types of water use: 1.

Our customers participate in a wide variety of industries, including energy, tourism, agriculture, healthcare, professional services, education, governmental services, construction, mining, retail and wholesale trade.

“It allows us to be even more positive about the future,” says Jo Simpson, a member of the family that runs Cleave Farm Partnership – a dairy farm that also grazes sheep in the same field as the panels, providing two sources of revenue from one plot of land.

Hybrid teams, composed of electrical, fire and energy efficiency experts, provided services such as: Inspecting and adjusting water heater temperatures and insulation; Checking meters, overhead facilities and transformers for condition and hazards; Ensuring that vegetation was not interfering with electrical lines; trimming vegetation as needed or advising on how to schedule a professional tree trimmer; Checking smoke detectors, replacing them or adding batteries as needed; Inspecting fuse boxes, interior power outlets, power strips and extension cords; and Inspecting light fixtures and clothes dryers.

An interruption in or the cessation of service by any external service provider as a result of systems failures, capacity constraints, financial difficulties or for any other reason, and the Company’s inability to make alternative arrangements in a timely manner could disrupt the Company’s operations, impact the Company’s ability to offer certain products and services, and result in financial losses to the Company.

Earth Day celebrations throughout April around the world with a variety of activities involving Applied employees including: “no-car day” in China; tree planting and gardening in Bangalore, India and Kalispell, Montana; installing solar panels on Habitat for Humanity homes in Silicon Valley; donating solar heaters to remote schools in Taiwan; and recycling computers in Austin, Texas.

Halliburton acknowledges the growing global consensus that human activity, through the use of fossil fuels, contributes to the increasing concentration of greenhouse gases (GHGs) in the atmosphere.

The pilot also demonstrated that the Protocol aligns with the National Environmental Policy Act (NEPA) requirements for assessing biodiversity impacts.

We recognized that the extensive change in land use in Uruguay presented an opportunity for scientific study of its effect on ecological conditions of the Pampas ecosystem.