WELCOME TO FRIENDLY HILLS BANK - AUGUST 1, 2021 Your Guide to important dates and information regarding your new banking relationship - Friendly ...
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WELCOME TO FRIENDLY HILLS
BANK
Your Guide to important dates and information regarding your new banking relationship
AUGUST 1, 2021
Welcome to Friendly Hills Bank We are so pleased to welcome you into the Friendly Hills Bank family. Friendly Hills Bank is committed to quality service to our clients and supporting our local businesses and residents. We are confident you will find our array of products and services competitive and conducive to your needs. While the name of your bank will change, your local team and people who serve you will remain the same. We have put together this guide to provide you with important information regarding the transition of your account(s) to Friendly Hills Bank and what to expect before and after systems convert on September 24, 2021. Our number one priority through this transition is you – our client. We have created this welcome guide to help guide you through this process to make it as smooth as possible. We hope you will take the time to review the important information in this guide. If you have any questions, please visit our website at www.friendlyhillsbank.com or call us at (562) 947-1920. Jeffrey K. Ball President and CEO
Table of Contents
GENERAL INFORMATION.………………………………………………………….....................1
FREQUENTLY ASKED QUESTIONS.……………………………………………………………1-2
PERSONAL BANKING……………………………………………………………………………..3
Conversion Weekend at a Glance….……………………………………………....3
Personal Banking FAQ's .………………………………………………………….4-5
Consumer Product Conversion Table..……………………………………………6
Additional Financial Services..……………………………………………………..7
Consumer Loan Products…………………………………………………………..8
BUSINESS BANKING.……………………………………………………………………………....9
Business Banking Conversion at a Glance..……………………………………….9
Business Banking FAQ's.…………………………………………………………..10-11
Business Product Conversion Table………………………………………………12
Additional Business Financial Services.……………………………………….….13
Business Loan Products……………………………………………………………14General Information
We are excited to welcome you to Friendly Hills Bank. As part of the conversion there will be some services that
will be temporarily unavailable the weekend of September 24 through September 26, 2021. Please make note of
these changes and plan ahead since you will have limited access to your Bank of Southern California account
information during the conversion weekend.
FREQUENTLY ASKED QUESTIONS
Q: When will Bank of Southern California become Friendly Hills Bank?
A: The “scheduled” date is at the close of business Friday September 24, 2021. To accommodate the conversion
of accounts to Friendly Hills Bank your branch will close at 2:00 pm and other services such as Online Banking,
Positive Pay and Remote Deposit Capture will be deactivated at 5:00 pm as of September 24, 2021.
Q: Will I be able to access my accounts during the conversion to Friendly Hills Bank?
A: While we are working diligently to ensure you have a smooth transition to Friendly Hills Bank, there will be a
brief period from September 24, 2021 –September 26, 2021 when you will not be able to access your accounts.
If you need to access cash during that time, we suggest that you make appropriate preparations.
Q: Will my account number change?
A: At this time, your account number will remain the same. However, in the event that your account number has
to change, you will be notified and we will assist you every step of the way.
Q: Will the bank’s routing number change?
A: Yes your routing number (the nine digit number that identifies a financial institution) will change. Your
Friendly Hills Bank routing number will be 122244249.
Q: Will branch hours be changing?
A: No. Branch hours will remain the same.
Q: Will branch phone numbers change?
A: The Redlands and Orange offices will retain the same phone number. The Santa Fe Springs branch phone
number will change to (562) 236-8888 effective September 27, 2021.
Q: Who will be handling my accounts and my transactions?
A: The same people you know and trust will continue to serve you with the same level of service you have come
to expect.
Q: Who should I call for questions about my account?
A: You can talk to the employees at your local branch or visit our website at www.friendlyhillsbank.com for
more information. You can also contact us at (562) 947-1920. We want to make this transition as easy as
possible and will gladly answer any questions you may have.
1Q: Do I need to make any changes to my automatic payments or deposits? (Social Security/Direct
Deposit/Payroll Deposits)
A: Yes. VERY IMPORTANT: You will need to contact companies that automatically deposit to or withdraw from
your account. Be sure to let them know that the new routing number 122244249 will not be effective until
September 27, 2021.
Q: Will there be any changes in bank services?
A: Your checking and savings accounts will be converted to comparable Friendly Hills Bank products. A
comparison of products may be found on page 5 for personal accounts and page 12 for business accounts.
Q: How can I get account information after hours?
A: Friendly Hills Bank offers access to your account information 24/7 through Online Banking and Mobile
Banking and the ability to perform a variety of banking transactions anytime, anywhere.
Online Banking is available at www.friendlyhillsbank.com
Our Mobile Banking APP can be downloaded from the App Store or Google Play
Q: Will there be changes to my account statement?
A: The general appearance will change, but the information will be the same. Check images and electronic
statements are available through online banking. Please note you will receive a final account statement from
Bank of Southern California either September 7th, 14th or 15th depending when your statement cutoff date is.
Q: Will the statement date for my deposit accounts change?
A: The statement date for your accounts with Friendly Hills Bank may change. Statements for personal checking
and money market accounts will be processed on the 15th of each month. Savings accounts will remain as
quarterly. Statements for business checking and money market accounts will be processed the last business day
of each month.
Q: Will the fees associated with my account change?
A: Depending on your account, your fees may change. Please review the product tables in this guide and the
accompanying Terms and Conditions & Schedules of Fees packet for specific information. We will be waiving the
monthly service fee (formerly referred to as “maintenance fee”) on depository accounts through 12/31/21.
Q: Are my deposits still covered by FDIC insurance?
A: Yes, to the extent your deposits are covered by FDIC insurance now, they will continue to be covered, unless
you have other deposits at Friendly Hills Bank. We will continue to work with you to make sure your deposits are
covered by FDIC insurance to the fullest extent possible.
Q: Will I need to order new checks?
A: Yes. Friendly Hills Bank will be sending out a new starter packet of checks. We will switch your checks over to
reflect Friendly Hills Bank’s logo and routing number and you should receive your new checks prior to the
conversion. Please do not use the new checks until September 25, 2021. This will be done at no charge to you.
2What to Expect During the Conversion Weekend
PERSONAL BANKING
Conversion Weekend at a Glance
September 24 September 25 September 26 September 27
Open as Friendly Hills
Bank of Southern California Branches Will close at 2:00pm Closed Closed
Bank
You can go to Friendly
Bank of Southern
Hills Bank's website
Online Banking California's access will be Not Available Available
and register for online
disabled at 5:00pm
banking
Same as Online banking.
Will be available once
Please note your bill pay
Online bill pay Not Available you have registered Available
and payee information
for online banking
will not be transferred*
Once you have
registered for online
Bank of Southern banking and receive
Mobile Banking California's access will be Not Available your credentials you Available
disabled at 5:00pm can download and log
in to Friendly Hills
Bank Mobile App
Available once you
Account balances Available until 5:00pm Not Available have registered for Available
online banking
You can activate your
Bank of Southern new Friendly Hills Bank of Southern
Bank of Southern California's debit/ATM cards Bank debit/ATM card California's cards will
Debit/ATM Card Transactions California will reduce are still available with lower by calling the phone be deactivated at
card limits down to their stand-in limits number you received 2:00am.
lower stand-in limits with your card
beginning at 2:00pm
Last day to use your You may begin using
Checks Available Available
existing checks Friendly Hills Bank checks
* We recommend you download or record your payees and payment history prior to the conversion.
VERY IMPORTANT: Since your account history cannot be transferred to Friendly Hills Bank, we strongly
recommend you download 12 months of bank statements.
3Personal Banking FAQs
Q: Will I receive a new debit card?
A: Yes. A Friendly Hills Bank Visa debit card will be mailed to all active card holders the week of September 20,
2021. You will receive your debit card and assigned PIN as two separate mailings. Included in the mailing will be
instructions regarding card activation which you can do effective September 26, 2021. This will also include
changing your PIN number.
Q: Will my Debit Card withdrawal and purchase limits change?
A: The limits on your new Friendly Hills Bank Visa Debit Card will remain the same.
Q: What will happen to my Bank of Southern California credit card?
A: You may continue to use your Bank of Southern California credit card. If you are considering getting a new
credit card, Friendly Hills Bank has partnered with Elan Financial Services to provide our clients with premier
credit card services (subject to credit approval).
Q: Do I need to re-enroll in Online and Mobile Banking?
A: At this time, your login methods and credentials will remain the same. Your access to the current Bank of
Southern California internet banking service and mobile app will be deactivated on September 24, 2021 at 5:00
pm. Effective September 26th it is recommended you enroll for Online Banking at www.friendlyhillsbank.com to
ensure there are no issues or delays. After you have enrolled into Online Banking you may download the
FHB2GO Mobile app by going to Apple’s App Store or Android’s Google Play.
Q: What will happen to my bill payees and automatic payments and transfers? Will I have to re-enter them?
A: Yes. VERY IMPORTANT: Please note the Bank of Southern California platform will not allow for this
information to be transferred. We recommend you download or record your payees and payment history prior
to the conversion.
Q: What will happen to my Social Security direct deposits?
A: VERY IMPORTANT: You will need to contact the Social Security Administration office and give them Friendly
Hills Bank’s routing number, 122244249, to avoid any account disruptions. It may take up to 45 days for the
Social Security Administration to update this information.
You can change your Social Security direct deposit information from Bank of Southern California to Friendly Hills
Bank through any of the following options:
1. Online – Visit the Social Security website at ssa.gov and select the “my Social Security” link.
2. Call the Social Security Offices at 1-800-772-1213 (TTY 1-800-325-0778) between 8:00 am – 7:00 pm.,
Monday through Friday.
3. Visit your local Social Security Office
Q: Will I be able to retrieve historical bank statements or copies of paid checks?
A: No you will not. VERY IMPORTANT: We strongly recommend you download the last 12 months of bank
statements prior to the conversion.
4CONSUMER PRODUCT CONVERSION TABLE
YOUR PERSONAL CHECKING WILL NOW BE PERSONAL CHECKING
Minimum Deposit to Open None
Balance to Waive Fees $500 Minimum Daily Balance
FEES - Monthly Service Charge $10
YOUR ECHECKING WILL NOW BE THE E-CHECKING ACCOUNT
Minimum Deposit to Open None
Balance to Waive Fees N/A
FEES - Monthly Service Charge None
Other restrictions/benefits Requires Direct Deposit
YOUR VIP CHECKING WILL NOW BE INTEREST CHECKING ACCOUNT
Minimum Deposit to Open None
$2,000 Minimum Daily Balance or
Balance to Waive Fees
$10,000 Combined Average
FEES - Monthly Service Charge $20
Interest Rate Tiered based on balances
YOUR PERSONAL & PREMIUM MONEY MARKET WILL NOW BE PERSONAL HIGH-YIELD MONEY MARKET ACCOUNT
M inimum Deposit to Open $100
Balance to Waive Fees $2,500 Minimum Daily Balance
FEES - M onthly Service Charge $15
Interest Rate Tiered based on balances
YOUR PERSONAL STATEMENT SAVINGS WILL NOW BE PERSONAL SAVINGS
M inimum Deposit to Open $100
Balance to Waive Fees $300 Minimum Daily Balance
FEES-M onthly Service Charge $5
Interest Rate Tiered based on balances
5Additional Personal Financial Services
PERSONAL ONLINE BANKING
With our Online Banking, you can manage your financial activities wherever you are, 24/7. It’s easy, efficient,
secure and simplifies your banking without sacrificing personal service.
Here are just a few of the time saving benefits:
Check account balances and view transactions
Pay bills with our Free bill pay service
Transfer funds between your accounts
Download activity to import into a personal financial management software program such as Quicken,
QuickBooks or any software program that accepts comma separated files
View statements and check images
MOBILE BANKING
Access to your Personal Banking is available at your fingertips, 24/7, using your favorite mobile devices. Our
FHB2GO Mobile App is a fast, secure service that allows our customers to quickly manage their accounts while
on the go. Whether you are using a smartphone or tablet app or mobile browser, you’ll be able to make
deposits, view account balances, review account history, transfer between internal accounts, and more.
You can visit the Friendly Hills Bank Website on your favorite mobile device simply by typing
www.friendlyhillsbank.com into your mobile devices browser. Friendly Hills Bank’s Responsive Website will
automatically re-format to work on whatever device you are viewing it on without losing any of the content or
functionality.
Visit either the Apple Store or the Google Play Store to download the appropriate copy of
the Friendly Hills Bank’s Mobile Banking App “FHB2GO” from your mobile device. Sign up and start banking from
wherever you are.
6Consumer Loan Products
Consumer Loans
We make it convenient for you to manage your personal banking by providing the same services of a big bank.
You will consistently receive friendly, courteous service because we take a personal interest in you.
At Friendly Hills Bank you'll find a full complement of personal banking credit products. We make it convenient
for you to manage your personal banking by providing the same services of a big bank. Our staff can explain the
benefits and features of all of our loan products and services.
Home Equity Lines of Credit
Provides homeowners with attractive rates, interest only payments and flexible financing for just about any
purpose. A line of credit is best suited for borrowers who have periodic financing needs and cash flow that
facilitates the ability to make periodic principal reductions.
Other Consumer Loan Programs
Automobile Loans are available to finance the purchase of both new and used vehicles.
Personal Loans are generally unsecured and may be utilized to finance a variety of needs.
7BUSINESS BANKING
Conversion Weekend for Business Clients
September 23 September 24 September 25 September 26 September 27
Bank of Southern California Open normal business Will close at 2:00pm Closed Closed Open as Friendly Hills
Branches hours Bank
You can go to Friendly
Bank of Southern
Hills Bank's website
Online Banking California's access will be Not Available Available
and register for online
disabled at 5:00pm
banking
Please refer to page 9
Bank of Southern
Business Banking FAQ's
Remote Deposit Capture California's access will be Not Available Not Available
under Remote Deposit
disabled at 5:00pm
Capture
Cut-off time to create an
ACH file through Bank of
Southern California’s ACH services available
ACH batch processing website is 2:00 pm with a Not Available Not Available Not Available through Friendly Hills
settlement date of Bank’s online portal*
9/24/21. Any settlement
date beyond 9/24/21 will
not be processed
You will need to upload
Bank of Southern
outstanding checks file
Positive Pay California's access will be
to Friendly Hills Bank's
disabled at 5:00pm
online portal
Parties sending wire
transfers will need to
Incoming wire transfers receive new Friendly
Hills Bank wire transfer
instructions.**
*Friendly Hills Bank does not offer same-day ACH posting
** Instructions for incoming wires can be found on page 10
***We recommend you download or record any repetitive ACH or wire information prior to conversion as these files cannot be transferred to
Friendly Hills Bank***
VERY IMPORTANT: Since your account history cannot be transferred to Friendly Hills Bank, we strongly recommend you
download 12 months of bank statements.
8Business Banking FAQs
REMOTE DEPOSIT CAPTURE
Q; When do I need to stop using Remote Deposit Capture through Bank of Southern California?
A: Your company can make deposits until 5:00 pm Friday, September 24, 2021, for the current business day.
Q: What do I need to do if I am a Remote Deposit Capture user?
A: If you are a Remote Deposit Capture user, you will be contacted by a Friendly Hills Bank representative.
Q: What is the cut-off time for Friendly Hills Bank’s Remote Deposit Capture?
A: Beginning September 27, 2021, Friendly Hills Bank’s cut-off time will occur at 4:00 pm for the posting to take
place on the next business day as a direct deposit.
ACH BATCH PROCESSING
Q: When is the cut-off time to create an ACH file through Bank of Southern California’s website?
A: ACH origination of new files will have a deadline based on settlement date. The cut-off time to create an ACH
file will be 2:00 pm on Thursday September 23, 2021, with a settlement date of Friday, September 24, 2021. Any
file created with a settlement date beyond Friday, September 24, 2021, will not be processed. ACH services will
be available for use on Monday, September 27, 2021, using Friendly Hills Bank’s online platform at
www.friendlyhillsbank.com.
Q: What is Friendly Hills Bank’s cut-off time for ACH processing?
A: Friendly Hills Bank’s cut-off time for ACH processing is 4:00 pm. You can begin using this service on Monday,
September 27, 2021. Friendly Hills Bank does not offer same-day ACH processing at this time.
Q: Will there be any changes to how I create an ACH file?
A: Friendly Hills Bank will accept a standard NACHA formatted file, a csv file or the data can be manually
entered. Changes to your accounting software will be required to add Friendly Hills Bank’s routing number
(122244249) in the file header field.
Q: What will happen to my existing ACH files? Will I have to re-enter them?
A: Yes. VERY IMPORTANT: You will need to re-enter any recurring ACH files. We recommend you download or
record your payees and payment history prior to the conversion.
9WIRES
Q: What is Friendly Hills Bank’s wire processing schedule?
A: You can initiate out-going wire transfers at any of our branch locations or through the On-line banking portal.
Out-going wire transfers submitted before 1:30 pm, will be sent the same day. Any out-going transfers
completed after the 1:30 pm cut-off time will be sent out on the next business day.
Incoming wire transfers received by Friendly Hills Bank before 3:30 pm Monday – Friday will be posted to the
client’s account on that day. Any incoming transfers received after the 3:30 pm cut-off time will be posted to the
client’s account on the next business day. Wire Transfers are not processed on Saturdays, Sundays or holidays.
Q: How do I receive a wire to my Friendly Hills Bank account?
A: To receive a Wire at Friendly Hills Bank, the following information should be given to the party originating the
wire.
Receiving Bank: Friendly Hills Bank
Receiving Bank Address: 16011 Whittier Blvd., Whittier, CA 90603
Receiver ABA: 122244249
Beneficiary: Your name
Beneficiary Address: Your address
Beneficiary Account Number: Your account number
Any specific instructions for the money
To receive an International Wire at Friendly Hills Bank, the following information should be given to the party
originating the wire.
Receiving Bank: Pacific Coast Bankers Bank San Francisco, CA 94104
Receiving Bank Address: San Francisco, CA 94104
Receiver ABA: 121042484
Foreign Wire Swift Code: PCBBUS66
Beneficiary’s Bank: Friendly Hills Bank
Bank ABA Account: 122244249
Beneficiary: Your name
Beneficiary Address: Your address
Beneficiary Account Number: Your account number
Any specific instructions for the money
Parties sending wire transfers to your account will need to receive the Friendly Hills Bank wire transfer
instructions.
ONLINE BANKING AND MOBILE BANKING
Q: Do I need to re-enroll in Online and Mobile Banking?
A: At this time, your login methods and credentials will remain the same. The current Bank of Southern
California app will be deactivated on September 24, 2021 at 5:00 pm. Effective September 26th it is
10recommended you enroll for Online Banking at www.friendlyhillsbank.com to ensure there are no issues or
delays. After you have enrolled into Online Banking you may download the FHB2GO Mobile app by going to
Apple’s App Store or Android’s Google Play.
Q: What will happen to my bill payees and automatic payments and transfers? Will I have to re-enter them?
A: Yes. VERY IMPORTANT: You will have to reenter any recurring payees, automatic payments and transfers. We
strongly recommend you download these files prior to the conversion.
Q: Will I be able to retrieve historical bank statements or copies of paid checks?
A: No you will not. VERY IMPORTANT: We strongly recommend you download the last 12 months of bank
statements prior to the conversion.
MERCHANT SERVICES
Q: What will happen to my Merchant Services account?
A: If your business accepts credit card payments through Merchant Services, your service will continue.
However, you will need to provide them with Friendly Hills Bank’s routing number (122244249) in order for
credits and debits to be made to your account.
PLEASE NOTE: If you receive notification that it is necessary for your account number to be changed, please be
sure to follow the instructions that will be provided.
11BUSINESS PRODUCT CONVERSION TABLE
YOUR BASIC BUSINESS CHECKING WILL NOW BE BUSINESS CHECKING I
Maximum of 150 transactions per month Transactions include: deposits,
Transaction limits
checks deposited, checks paid, other credits/debits
M inimum Deposit to Open $100
$2,000 Minimum Daily
Balance to Waive Fees or
$4,000 Combined Average Balance
FEES - M onthly Service Charge $10
Excess Transaction Limit Fee $0.50 per item
YOUR BASIC BUSINESS CHECKING AND BUSINESS PLUS CHECKING WILL NOW BE BUSINESS CHECKING II
Maximum of 300 transactions per month Transactions include: deposits,
Transaction limits
checks deposited, checks paid, other credits/debits
M inimum Deposit to Open $100
$8,000 Minimum Daily
Balance to Waive Fees or
$15,000 Combined Average Balance
FEES - M onthly Service Charge $16
Excess Transaction Limit Fee $0.50 per item
YOUR BUSINESS INTEREST CHECKING WILL NOW BE BUSINESS INTEREST CHECKING
Maximum of 150 transactions per month Transactions include: deposits,
Transaction limits
checks deposited, checks paid, other credits/debits
M inimum Deposit to Open $100
$3,000 Minimum Daily
Balance to Waive Fees or
$8,000 Combined Average Balance
FEES - M onthly Service Charge $15
Excess Transaction Limit Fee $0.50 per item
Interest Rates Tiered based on balances
YOUR ANALYZED BUSINESS CHECKING WILL NOW BE COMMERCIAL ANALYZED CHECKING
M inimum Deposit to Open $500.00
Varies monthly based on balances maintained, account activity, and
Balance to Waive Fees
cash management services utilized
Varies monthly based on balances maintained, account activity, and
FEES - M onthly Service Charge cash management services utilized
YOUR BUSINESS AND PLATINUM MONEY MARKET WILL NOW BE BUSINESS HIGH-YIELD MONEY MARKET ACCOUNT
M inimum Deposit to Open $100
Balance to Waive Fees $2,500 Minimum Daily
FEES - M onthly Service Charge $15
Interest Rates Tiered based on balances
YOUR BUSINESS SAVINGS ACCOUNT WILL NOW BE BUSINESS SAVINGS
M inimum Deposit to Open $100
Balance to Waive Fees $1,000 Minimum Daily
FEES-M onthly Service Charge $5
Interest Rates Tiered based on balances
12Additional Business Financial Services
Automated Clearing House (ACH) Service
With the ACH system of electronic disbursements and collections, you may originate or receive payments for
direct deposit of payroll, vendor payments, rent collections, and membership payments through our Business
Online Banking service.
Business Online Banking
Business Online Banking provides online access to your deposit and credit relationship with Friendly Hills Bank.
Business Visa@ Card
Friendly Hills Bank has partnered with Elan Financial Services to provide our business clients with premier credit
card services (subject to credit approval).
Remote Deposit Capture
Friendly Hills Bank's Remote Deposit Capture can increase office efficiency, reduce paperwork, and enable your
staff to better serve your customers. Process deposits straight into your bank account 24/7 by scanning checks
from your office, and eliminate the need to deliver or mail your deposits. As well as receive the benefits of
improved availability and enhanced cash flow.
Sweep Accounts
Friendly Hills Bank offers sweep alternatives to maximize your interest income. A target balance is established
for your commercial checking account with excess collected funds automatically transferred to or from another
account.
Wire Transfers
Funds can be transferred electronically, quickly and efficiently with wire transfers. For assistance, please contact
a Friendly Hills Bank representative today at your local branch.
Positive Pay
Positive Pay is another helpful business tool available through our business online banking service. It facilitates
the timely and effective detection of fraudulent check activity on your business accounts. Companies can easily
upload a file of issued checks each day to identify any discrepancies. Detecting unusual or unauthorized
disbursements by comparing paid items against issue information is one important way to monitor against
fraud.
Mobile Banking
Access to your business banking is now available at your fingertips, 24/7, using your favorite mobile devices. Our
FHB2GO Mobile App is a fast, secure service that allows our business customers to quickly manage their
accounts while on the go. Whether you're using a smartphone or tablet app or mobile browser, you'll be able to
make deposits, view account balances, review account history, transfer between internal accounts, and more.
13Business Loan Products
As your business partner, you can count on us to provide more than just financial resources for your business.
We will support you with advice and help link your business with other successful business clients. Therefore,
you can be free to do what you do best - run your business!
All business banks provide a variety of business loans. What differentiates us is our ability to customize solutions
tailored to your unique business opportunities. A team of well-seasoned commercial bankers will design a
repayment plan and financing structure to suit your business, not to fit some big bank's policy manual.
Working Capital and Professional Lines of Credit provide flexible financing options to assist in managing
accounts receivable, inventory and other short term cash flow requirements. Lines of credit are generally
revolving loans with interest only terms.
Machinery, Commercial Vehicle and Equipment Financing with flexible terms is available for all types of
businesses.
Commercial Real Estate Financing loans are available for the purchase or refinancing of owner-occupied
commercial real estate properties and investment properties.
Construction loans to business owners for new plant facilities and the expansion of existing buildings. Financing
is also available to real estate developers for both commercial and residential projects.
Business Expansion loans are available to assist businesses in a growth mode, including plant expansion, tenant
improvement financing and business acquisitions. Various terms are available that provide repayment options
based on the unique cash flow requirements of each business.
Small Business Administration (SBA) Loans can be utilized for working capital, business expansion, equipment
financing, leasehold improvement, real estate acquisition and other business financing requirements. SBA loans
may offer longer terms and higher advance rates than other conventional loan programs, enabling businesses to
better manage cash flow.
Letters of Credit can help your business guarantee payments for domestic transactions and long-standing
vendor relationships while helping you establish credit history. We can also arrange letters of credit for the
import/export activities of your business.
Business Credit Cards simply the acquisition of small goods and services. A credit card can provide fast and easy
access to funds for business purchases.
14You can also read
