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Community Reinvestment Act

Under the Federal Community Reinvestment Act (CRA), the Federal Deposit Insurance Corporation (FDIC) evaluates our record of helping to meet the credit needs of this community, consistent with safe and sound operations. The FDIC also takes this record into account when deciding on certain applications submitted by us. Your involvement in this process is encouraged.

You are entitled to certain information about our operations and our performance under the CRA. You may review the public section of our most recent CRA evaluation, prepared by the FDIC, and a list of financial services provided at any branch. You may also request any of the following additional information, which we will provide at this location within five calendar days after you make a request to us: (1) A map showing the assessment area containing this branch, which is the area in which the FDIC evaluates our CRA performance in this community; (2) information about our branch offices in this assessment area; (3) a list of services we provide at those locations; (4) data on our lending performance in this assessment area; and (5) copies of all written comments received by us that specifically relate to our CRA performance in this assessment area, and any responses we have made to those comments.

If we are operating under an approved strategic plan, you may also have access to a copy of the plan.

If you wish to review information about our CRA performance in other communities we serve, the complete Public File for our entire bank is available at:

Community Business Bank
Community Reinvestment Act Compliance Officer

1550 Harbor Blvd. Suite 200
West Sacramento, CA 95691

at least 30 days before the beginning of each quarter, the FDIC publishes a nationwide list of the banks that are scheduled for a CRA examination in that quarter. This list is available from the:

Federal Deposit Insurance Corporation
Regional Manager, Division of Compliance and Consumer Affairs

San Francisco Regional Office
25 Ecker Street, Suite 2300
San Francisco, CA 94105

You may send written comments about our performance in helping to meet the community credit needs to:

Community Business Bank
Community Reinvestment Act Compliance Officer
1550 Harbor Blvd. Suite 200
West Sacramento, CA 95691

and the FDIC Regional Manager.

Your letter, together with any response by us, will be considered by the FDIC in evaluating our CRA performance and may be made public.

You may ask to look at any comments received by the FDIC Regional Manager. You may also request from the FDIC Regional Manager an announcement of our applications covered by the CRA filed with the FDIC.