The Future Needs a Heritage Heritage Bank of Commerce, founded in 1994, is a community business bank headquartered in San Jose. For over 25 years, HBC has provided a consultative relationship banking approach with clients, offering valuable services to help them achieve their long-term business goals. The Bank combines the classic values of relationship-based, customer-focused community banking, with a forward-looking, strategic approach. Our solution-driven team of experienced, dedicated and innovative bankers, partner with you to find a custom solution that fits your business needs. Our large spectrum of credit and loan products spans from factoring to open lines of credits, cash management solutions to support and leverage your business cash flow, as well as a dedicated HOA Specialty Banking department servicing the HOA community with the latest in banking technology. Bank Focused on People Working with People With over 800 Non-profit organizations spanning a wide variety of industries, we know the intricacy of banking for non-profits. At HBC, we take a strong consultative approach empowering you to make meaningful business decisions that will allow you to have a strong impact in your community. As a conservative three plus billion dollar, publicly traded, 5-Star Bauer Financial rated, FDIC insured bank we check all the traditional boxes for a financial institution. But community banking is much more. HBC is involved on a deeper level with industry, business and community leaders, and is able to leverage this network successfully for our client’s business goals. As part of our mission to give back, our relationship managers are required to be active in their community. They serve on boards, are deeply involved with their local business organizations and chambers, and are taking active roles in shaping their business areas. Member FDIC | Equal Housing Lender | NMLS ID# 486849

Meriwest Credit Union delivers financial value to individuals and small businesses in the Greater Bay Area of California and Tucson, AZ. We provide to those who are seeking above market rates on deposits, low loan rates, lower fees, product options and an experience that makes you feel confident about your decision to do business with us. If you need a reference, just ask our members! More than one-third of our new members are referred from members who consistently rate us high in service and have rated the interaction with our employees as their greatest source of satisfaction. Meriwest members enjoy the security of banking with an organization that's established, financially sound and has a strong local heritage. Our 1st Time Home Buyers Assistance program allows home buyers the opportunity to find their perfect first home. With online approvals in just a short time, they enjoy the peace of mind of knowing exactly what they can afford and have been approved for. Meriwest's FLOW account helps teens and young adults manage money through an individual experience. Meriwest's Business Banking brings a personalized banking experience to local small businesses through benefits scarcely offered such as: • Free business checking • Premier business interest checking • CRE and Commercial Loans Meriwest offers the convenience and comfort of banking where you will always receive a welcoming experience. Our members enjoy banking at financial centers that feel more like home as we feature: • Complimentary Peet's coffee • No teller lines • Financial news and offers • Access to a cybercafé • Mobile Banking Because Meriwest is networked with other credit unions you can conduct your transactions at a location convenient to you. Or if you prefer, you can use our Online or Mobile banking services for anytime account access. All good reasons to break free from your bank and join the move to Meriwest. Find a Financial Center: www.meriwest.com/locations