KCFCU ENVIRONMENTAL COMMITMENT

COMMITMENT
Kauai Community Federal Credit Union (KCFCU) is committed to serving our family of members with consistent quality and care. This commitment to our members and the community of Kauai includes being a leader in environmental responsibility. KCFCU meets this commitment with a comprehensive environmental policy, strict environmental management of our operations and educational community programs.

Our commitment is to proactively reduce the environmental impact of our operations through recycling and waste reduction programs.

POLICIES
KCFCU's vision is to create a professional business culture where environmental excellence is second nature. The following environmental policy objectives have been established to achieve our vision.

• Maintain recycling and resource management that meet or exceed county, state and national requirements
• Promote an environmentally responsible workplace by educating and motivating employees to become more involved in the conservation of resources
• Monitor the effectiveness of all our environmental activities by conducting environmental audits and assessments of compliance with the Credit Union's requirements
• Include environmental criteria in assessing relationships with contractors and suppliers
• Contribute to an ongoing dialogue with the community, industry and government to establish environmental and economic goals.

MANAGEMENT
Recycled Paper: KCFCU is working to use paper more efficiently and increase our use of recycled paper products. Our goal is to reduce the amount of paper used from non-sustainable forest sources as well as reduce the amount of non-recyclable paper waste from the Credit Union. In addition, KCFCU established specifications for letterhead, business cards and advertising pieces that favor the use of recycled materials. Furthermore we continue to establish relationships with state, national and global environmental organizations to join in the support and education of this cause.

KCFCU has partnered with a local disposal company to handle shredding and recycling of all security sensitive materials. All non-sensitive shredded materials are first offered to local businesses for reuse. For example: Veterinarians, Pet Shops, Flower Growers, etc.

Waste: KCFCU's goal is to reduce the amount of KCFCU waste sent to the landfill on our island. Each KCFCU office has recycling centers with color coded and labeled bins for the separation and recycling of the following:

Newspaper
Mixed Paper/Junk Mail
Magazines
White Paper
Aluminum Cans
#1#2 Plastics
Cardboard

Each office is also equipped with a recycling dumpster. In addition, each recycling center has an informational poster detailing the County of Kauai's recycling facilities and procedures.

Green Waste: All green waste produced by KCFCU's ground maintenance is brought to the transfer station for proper recycling.

Equipment: KCFCU continues to replace outdated equipment which is recycled appropriately.

Kitchens/Break Rooms: In KCFCU kitchen and break rooms we strive to provide as many recyclable items for the staff as possible including cups, plates, utensils, napkins, etc.

Events: KCFCU recycles at all events throughout the year including:

• Annual Charity Golf Tournament for over 200 people
• Annual Meeting for over 1500 people
• All Staff Events and Formal Gatherings

Adopt-a-Park Project: KCFCU is one of many credit union participants in the "Adopt-a-Park Project" which maintains the Pua Loke Park in Lihue. Our responsibilities include debris collection and maintenance of the park area. This is part of an island beautification project.

Facilities: When designing renovations and new structures for KCFCU facilities, we are committed to working with design teams that will embrace our environmental commitment.

CURRENT RESULTS
This commitment is intended to be a working document that will continuously evolve to incorporate additional environmental policies. Periodically we will track our success and post results within this policy.

In 2003/2004, Kauai Community Federal Credit Union unveiled a major brand change including the change of their logo. All items that had the old logo are being reused for internal scratch paper or were brought to the recycling center.

After the first year of starting the recycling program, KCFCU collected almost a ton and a half of recycled material. In 2006, that amount increased to over 3 and a half tons of recycled material.

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