Community Reinvestment Act (CRA) Small Business Financing

Community Reinvestment Act (CRA) Small Business Financing is sponsored by Sunwest Bank. Sunwest Bank provides flexible financing for entrepreneurs, community organizations, and projects that strengthen local economies, especially those serving low- to moderate-income neighborhoods.

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sunwestbank. com/about/cra/#) # Community Reinvestment Act Community Reinvestment Act **Sunwest Bank is dedicated to strengthening the communities in which we live and work. Through the Community Reinvestment Act (CRA), we extend fair and responsible credit to small businesses, finance community development projects, and invest in programs that expand access to economic opportunity, especially in low- to moderate-income areas.

** We believe that banking should be a catalyst for growth. From small business lending to affordable housing initiatives, Sunwest Bank’s CRA efforts are focused on helping entrepreneurs, families, and communities thrive.

**States We Serve Through Our CRA Program** * **Arizona Community Reinvestment** * **California Community Reinvestment** * **Colorado Community Reinvestment** * **Florida Community Reinvestment** * **Idaho Community Reinvestment** * **Utah Community Reinvestment** ## How We Invest in Our Communities **Our approach to community reinvestment combines lending, investment, and service:** Sunwest Bank provides small business loans, SBA programs, and commercial financing that create jobs, support entrepreneurs, and strengthen local economies.

### Community Investments We invest in Community Development Financial Institutions (CDFIs) and other organizations that promote affordable housing, financial education, and neighborhood revitalization. ### Employee Service through #SunwestServes Our employees are the driving force behind our service program.

Each year, our employees dedicate time, expertise, and resources to nonprofits across our footprint, helping meet needs in housing, education, health, and economic empowerment. ## Our Impact at a Glance ### Through #SunwestServes, our employees have significantly impacted the communities we serve over the past year.

#### Hours of Volunteer Service #### Participating Employees #### Low-Income Individuals Received Financial Education #### Nonprofit Organizations Served #### Holiday Wishes Granted by Sunwest Bank Employees ## #SunwestServes in Action ### **Recent CRA Transactions** ## Our Vision for the Future Sunwest Bank remains committed to expanding its community reinvestment impact across all regions where we operate.

With a growing presence in California, Arizona, Utah, Idaho, and Florida, we continue to finance projects that create jobs, foster innovation, and improve access to financial resources for individuals and small businesses alike. **Together, we’re building stronger communities—one partnership at a time. ** ## Interested In Partnering With Us?

Learn how Sunwest Bank can support your small business or community project through CRA-eligible lending programs. ## Frequently Asked Questions #### What is the Community Reinvestment Act (CRA)? The Community Reinvestment Act is a federal law that encourages banks to help meet the credit needs of the communities they serve, including low- to moderate-income neighborhoods.

The Act ensures that financial institutions actively support economic growth and opportunity in their local markets. #### How does Sunwest Bank participate in CRA programs? Sunwest Bank fulfills its CRA obligations through a combination of lending, investments, and community service.

We provide small business loans, support affordable housing and community development projects, and encourage employee volunteerism through our #SunwestServes program. #### What types of loans qualify as CRA loans? CRA-related lending may include small business loans, SBA loans, and community development financing that help create jobs, support entrepreneurs, and strengthen local economies.

These programs are designed to provide equitable access to credit for qualified borrowers across income levels, in alignment with applicable regulatory standards. #### Who benefits from CRA lending? CRA-related lending supports small businesses, nonprofit organizations, and community initiatives that help meet local credit needs, including in low- and moderate-income areas, consistent with safe and sound banking practices.

These efforts aim to expand fair access to capital so that qualified borrowers and communities can participate in and benefit from sustainable economic growth. #### What areas does Sunwest Bank serve under CRA? Sunwest Bank’s CRA programs serve communities across our assessment areas in California, Arizona, Utah, Idaho, Florida, and Colorado, each with unique lending, investment, and service initiatives tailored to local needs.

#### How can my business apply for a CRA loan or partnership? You can connect with a Community Banker through our online form or by visiting one of our branch locations. Our team will help determine which lending or investment programs best fit your business or community project.

##### Built For Entrepreneurs By Entrepreneurs Sunwest Bank is an entrepreneurial business bank built for entrepreneurs by entrepreneurs. Sunwest Bank was founded in 1969 in Tustin, CA. Sunwest Bank is headquartered in Utah with offices across the United States.

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com/company/sunwest-bank/) * Sunwest Bank Locations & ATM Locator * Online & Mobile Banking We do not discriminate on the basis of race, color, religion, national origin, gender, marital status, age, receipt of public assistance income, or exercise of any rights under the Consumer Credit Protection Act. _ ##### Contact Sunwest Bank **Checking and Deposits:** Checking accounts may have monthly fees or minimums, or per item charges.

Review your account details. Deposits (including Certificates of Deposit) are insured by the FDIC up to a maximum of $250,000 (including principal and interest) for all deposits held in the same insurable ownership capacity (e.g., single account, joint account, IRA) at the same bank. Sunwest Bank customers are responsible for monitoring the total amount of deposits held.

All deposits at a single bank held in the same insurable ownership capacity are aggregated for purposes of the applicable FDIC insurance limits. Take advantage of the FDIC's Electronic Deposit Insurance Estimator (EDIE) to calculate the FDIC insurance available for your personal and/or business deposits at: https://edie. fdic.

gov/ **Lending:** All real estate secured loans are subject to credit and collateral approval. Additional terms and conditions apply. Small Business loans are subject to credit and collateral (if required) approval and program eligibility requirements of Sunwest Bank and the Small Business Administration, as applicable.

Business and Personal loans are subject to credit and collateral (if required) approval. Some business loans may require a personal guaranty. Carefully read all loan product information, agreements and disclosures before completing the lending process.

All Programs, rates, terms and conditions are subject to change without notice. Complete details, including restrictions, limitations and exclusions for any product or service of Sunwest Bank will be available when you become a customer. Sunwest Bank Mobile is compatible with iOS devices (iPhone, iPod Touch, iPad) and Android-powered devices.

While the Sunwest Bank Mobile app is free to download, message and data rates may apply. Check with your mobile services provider for any charges that may apply for data usage on your mobile device. Please refer to the Mobile Banking and Online Services Agreement for further details regarding Sunwest Bank mobile banking services.

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