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M&F Bank, a state-chartered commercial bank, was organized in 1907 under the authority of a charter issued by the Legislature of the State of North Carolina . The original incorporators were a group of nine prominent businessmen, headed by R. B. Fitzgerald. The other incorporators included: J. A. Dodson, J. R. Hawkins, John Merrick, Aaron M. Moore, W.G. Pearson, James E. Shepard, G. W. Stephens, and Stanford L. Warren. Many people today lack appreciation of the origin of the Bank's name. The founders and original customers represented various trades, crafts and professions in which the African American community had achieved success and prominence, so "Mechanics" likely was derived from the legal term "mechanics lien" that grouped such occupations together. Additionally, most of North Carolina 's wealth at the turn of the 20 th century was based on the ownership of real property, especially farmland, hence the term "Farmers." That means the name "Mechanics and Farmers" denotes that this Bank is an institution dedicated to serving all facets of the community.

Mission Community Bancorp has about five offices in San Luis Obispo and Santa Barbara counties. Its Mission Community Development arm provides financing for small businesses and affordable housing projects. An affiliated not-for-profit group offers training to the community and small businesses. The Carpenter Community BancFund owns about 25% of Mission.Mission Community Bancorp is on a mission to provide traditional community banking services and foster economic revitalization and community development. Subsidiary Mission Community Bank offers standard checking, savings products, money market accounts, and certificates of deposit. It also focuses on agribusiness, commercial, construction, and consumer loans.

Nara Bank is committed to bringing positive change to the diverse communities we serve, consistent with the requirements of the Community Reinvestment Act (CRA). When it became apparent that low-income communities and individuals were being overlooked by financial institutions, Congress established CRA in 1977 to encourage banks to meet the needs of the entire communities they serve, including low and moderate-income areas. Nara Bank embraces the spirit and intent of CRA and maintains a "Satisfactory" CRA rating issued by the Federal Reserve Bank.Our business strategy is to promote economic growth and create a positive change within the underserved and low-to-moderate income communities we serve. Nara Bank, designated as a "Preferred Lender" by the Small Business Administration, provides SBA 504 and 7a loans in addition to its own lending programs targeted to small and minority-owned businesses. Investments and grants are extended to meet a variety of needs within our communities, including affordable housing, education, financial literacy, and social services. In 2001 Nara Bank made a $1,000,000 ten year commitment to the Nara Scholarship Foundation, whose mission is to provide scholarships to high school seniors demonstrating financial need as well as academic excellence. Working to be an integral part of our community, Nara Bank employees enthusiastically volunteer their time and expertise at bank-sponsored seminars for small businesses, financial literacy workshops, and other local area events

NCAL Bancorp founded in 1982, the bank offers retail customers checking, savings, and money market accounts, certificates of deposit, and personal lines of credit and loans. For businesses, it provides deposit products, cash management, and real estate, construction, commercial, and Small Business Administration (SBA) loans.NCAL operates in SoCal through its primary subsidiary, National Bank of California. Specifically, NCAL Bancorp is the holding company for National Bank of California which serves professionals, investors, high net-worth individuals, and small to midsized businesses through five branches in Southern California's Los Angeles, Orange, and Ventura counties.

North Valley Bancorp (NASDAQ: NOVB) is the parent company for North Valley Bank. Since 1973, North Valley Bank has become the largest community bank in Shasta and Trinity Counties. In 2000, that market was expanded by the acquisition of Six Rivers Bank, which serves Del Norte, Humboldt, and Mendocino Counties. In August of 2004, this five-county area was again expanded when North Valley Bank acquired Yolo Community Bank, adding locations in Roseville and Woodland. Ukiah and Santa Rosa followed in April 2005. Currently, North Valley Bank has 24 banking locations throughout Northern California.As North Valley Bank continues to grow, we understand that our growth depends on creating synergy by partnering with families, businesses, and communities. We are committed to achieve that end, and the result is a financial institution that not only models financial strength, but also enjoys a depth of customer loyalty that is rare in today's financial environment.

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