Community Reinvestment Act

Under the Federal Community Reinvestment Act (CRA), the Federal Reserve Board (Board) evaluates our record of helping to meet the credit needs of this community consistent with safe and sound operations. The Board also takes this record into account when deciding on certain applications submitted by us.

Your involvement is encouraged.

You are entitled to certain information about our operations and our performance under the CRA. You may review today the public section of our most recent CRA evaluation, prepared by the Federal Reserve Bank of 101 Market Street, San Francisco, CA 94105, and a list of service provided at this branch. You may also have access to the following additional information, which we will make available to you at this branch within five calendar days after you make a request to us:

• a map showing the assessment area in which the Board evaluates our CRA performance in this community;
• information about our branches in this assessment area;
• a list of services we provide at those locations;
• data on our lending performance in this assessment area; and
• 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 would like to review information about our CRA performance in other communities served by us, the public file for our entire bank is available at County Bank Administration, 550 W. Main Street, Merced, CA 95340.

At least 30 days before the beginning of each quarter, the Federal Reserve System publishes a list of the banks that are selected for CRA examination by the Reserve Bank in that quarter. This list is available from the Community Affairs Officer, Federal Reserve Bank of 101 Market Street, San Francisco, CA 94105. You may send written comments about our performance in helping to meet community credit needs to the CRA Officer, County Bank, P.O. Box 1191, Merced, CA 95341 and the Community Affairs Officer, Federal Reserve Bank of 101 Market Street, San Francisco, CA 94105.