The group's principal activities are to offer a broad range of commercial and retail lending services. the lending services provided by the group include commercial loans, construction financing, consumer loans, home improvement loans and home equity lines of credit. the deposit services provided include checking and savings accounts and time deposits including interest bearing and non-interest bearing personal and business checking accounts and time certificates of deposit. other services provided by the group include proprietary visa credit card to the customers and business visa programs for business and professional customers. the group operates eight branches in marin and southern sonoma counties, north of san francisco, california.