Business, Free News Articles, Software

Cloudvirga and Freddie Mac Team Up to Deliver a Better Borrower Experience, Maximize Fungibility

IRVINE, Calif. -- Cloudvirga(TM), a leading provider of digital mortgage point-of-sale (POS) software whose enterprise technology is powered by the intelligent Mortgage Platform(R), today launched single-click submission of loan data to both GSEs' automated underwriting systems (AUS) in a collaborative effort with Freddie Mac, delivering on the industry need for greater transactional ease.

The dual-AUS submission and review process allows lenders to maximize loan fungibility in the secondary market and improve loan quality through automation. Cloudvirga works behind the scenes to automate review of each GSEs' AUS' findings report, applying rules-based logic and predictive analytics to determine the best path for a loan without adding manual review tasks or interfering with a loan team's preferred origination workflow.

"We're empowering loan officers and back-office teams with data and augmented intelligence and making it effortless to deliver the best possible borrower experience while maximizing loan performance in the secondary market," said Kyle Kamrooz, Cloudvirga Co-founder.

Running loan data through both AUSs up front allows loan officers to identify opportunities to help borrowers save money and close loans faster. For example, a loan may not qualify for an automated appraisal waiver from both GSEs. Avoiding the need for an appraisal can save borrowers anywhere from $300 to over a thousand dollars and shorten loan cycle times by days or weeks. Dual-AUS submission will ensure loan officers have a full picture of the options available for their borrowers and can provide the best borrower experience.

"Freddie Mac is committed to helping all lenders maximize loan fungibility while maintaining transactional ease, reducing origination costs and improving the borrower experience," said Rick Lang, Vice President, Loan Advisor Suite Strategy and Integration for the Single-Family business at Freddie Mac. "We're confident Cloudvirga's 'AUS agnostic' submission will demonstrate that selecting Loan Product Advisor on a per-loan basis will add value for both lenders and borrowers."

The functionality will be available to Cloudvirga customers with Freddie Mac Loan Product Advisor's 4.8 release. Loan Product Advisor 4.8 also adds new support for automated validation of borrower asset and income data.

About Cloudvirga(TM):

Cloudvirga's digital mortgage point-of-sale (POS) software, powered by the intelligent Mortgage Platform(r), uniquely combines a world-class borrower experience with a truly automated lender workflow that radically cuts overall loan costs, increases transparency and reduces the time to close a loan. Founded by top fintech veterans with a track record of building successful mortgage technologies, Cloudvirga's initial customer roster includes nine of the top 40 non-bank mortgage originators. To date, Cloudvirga has raised over $27 million from some of the country's top lenders and venture capital firms.

For more information, visit http://www.cloudvirga.com/ or follow Cloudvirga on LinkedIn.

REF: OTCMKTS:FMCC / OTC:FMCC

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Awards and Honors, Business, Free News Articles

Cloudvirga Named to HousingWire’s TECH100 List of Most Innovative Tech Companies in Real Estate and Housing

IRVINE, Calif. -- Cloudvirga(TM), a leading provider of digital mortgage point-of-sale (POS) software whose enterprise technology is powered by the intelligent Mortgage Platform(R), today announced it has been named to HousingWire's 2018 TECH100 list of the most innovative technology companies in U.S. real estate, mortgage lending, mortgage servicing and investments.

Cloudvirga was recognized for its digital mortgage POS platforms, which uniquely combine a compelling consumer experience with automation that helps lenders cut their loan production costs and close loans faster.

"Tackling the mortgage cost-to-produce problem requires new ways of thinking and technology that enables new ways of doing business," said Cloudvirga Co-Founder Kyle Kamrooz. "We're incredibly proud to be at the forefront of a digital sea change in mortgage technology as one of the new names on this year's HousingWire Tech 100."

"Companies in the 2018 Tech100 represent the leading edge of solutions and services that will propel mortgage companies toward success," said HousingWire Magazine Editor Sarah Wheeler.

"These companies provide innovative solutions and are moving the housing finance industry forward as technology rapidly changes how the landscape operates," added HousingWire Online Editor Caroline Basile.

For a full list of honorees, see the April issue of HousingWire magazine or visit https://www.housingwire.com/articles/42985-the-2018-hw-tech100.

About Cloudvirga(TM):

Cloudvirga's digital mortgage point-of-sale (POS) software, powered by the intelligent Mortgage Platform(R), uniquely combines a world-class borrower experience with a truly automated lender workflow that radically cuts overall loan costs, increases transparency and reduces the time to close a loan. Founded by top fintech veterans with a track record of building successful mortgage technologies, Cloudvirga's initial customer roster includes eight of the top 40 non-bank mortgage originators. To date, Cloudvirga has raised over $27 million from some of the country's top lenders and venture capital firms.

For more information, visit http://www.cloudvirga.com/ or follow Cloudvirga on LinkedIn.

About HousingWire:

HousingWire is the nation's most influential source of news and information for U.S. mortgage markets, boasting a readership that spans lending, servicing, investments and real estate market participants as well as financial market professionals. Winner of numerous awards, including a 2012 Eddie Award for national editorial excellence in the B-to-B Banking/Business/Finance, HousingWire has been recognized for excellence in journalism by the Society of Business Editors and Writers, the American Society of Business Press Editors, the National Association of Real Estate Editors, and Trade Association Business Publications International.

Learn more at http://www.housingwire.com.

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Business, Free News Articles, Software

Major Update to Cloudvirga’s Enterprise Point-of-Sale Platform Raises the Digital Mortgage Bar

IRVINE, Calif. -- Cloudvirga(TM), a leading provider of digital mortgage point-of-sale (POS) software whose enterprise technology is powered by the intelligent Mortgage Platform(R), today announced a major update to the Cloudvirga Enterprise POS. New features designed to improve lender speed, compliance and productivity will make the platform's 4.0 release the most robust POS solution on the market.

Available April 2, Cloudvirga's 4.0 release is fully compatible with the latest Home Mortgage Disclosure Act (HMDA) data collection and reporting requirements.

Enhancements include:
* Enhanced Rate Locking with Built-in Concessions Workflow
Gives loan officers the unprecedented ability to submit price concession requests and receive manager approvals in real time, at the point of sale, as part of the rate-locking workflow. This automated concessions workflow, which can be configured for up to five levels of approval, enables loan officers to generate rate-lock disclosures that reflect approved concessions, eliminating the need to re-disclose later.

* Automated Income Analysis and Accurate Disclosures for Veterans' Loans
Automates the calculation of all qualifying ratios for U.S. Department of Veterans Affairs (VA) loans, including Interest Rate Reduction Refinance Loans (IRRRLs), making Cloudvirga the first mortgage POS platform to accurately calculate DTI for VA loans for accurate loan disclosure.

* Greater Lender Control Over eVerification of Assets (eVOA)
Empowers lenders to toggle on/off eVerification of borrower assets on a product-by-product basis, streamlining submission to automated underwriting systems (AUS) and ensuring borrowers' asset documentation meets individual investor and/or warehouse line requirements.

* New Mortgage Insurance and Appraisal Management Integrations
o Integrates with Arch MI and Radian for in-platform access to mortgage insurance (MI) rate quotes that are accurate down to the specific loan product.
o Introduces a robust integration with Mercury Network's award-winning appraisal order management platform.

* Automatic Loan Disclosures to Help Lenders Stay Compliant
Ensures that disclosures are auto-generated and sent digitally or by mail within three days (if the lender has not already done so) using an advanced rules engine and lender guidelines.

* Private-Label Customization for Branch Operations
Provides lenders the ability to tailor the consumer digital experience (e.g., business names, logos, messaging, disclosures and brand colors) at the corporate, branch and DBA level.

* Real-Time Compliance Checks with Prepotency(R)
Offers real-time compliance checks through PredProtect from First American Mortgage Solutions prior to generating loan disclosures, instantly identifying any potential violations in plain English so corrections may be made prior to the loan funding and providing an easy audit trail.

"Job one of any mortgage POS platform is to quickly, accurately and compliantly secure a borrower's commitment," explained Cloudvirga co-founder Kyle Kamrooz. "Our intelligent Mortgage Platform uniquely empowers loan officers and consumers and redefines what a POS can do. Cloudvirga delivers the 'one-call close' while also optimizing for downstream impacts in the mortgage factory."

About Cloudvirga(TM):

Cloudvirga's digital mortgage point-of-sale (POS) software, powered by the intelligent Mortgage Platform(R), uniquely combines a world-class borrower experience with a truly automated lender workflow that radically cuts overall loan costs, increases transparency and reduces the time to close a loan. Founded by top fintech veterans with a track record of building successful mortgage technologies, Cloudvirga's initial customer roster includes eight of the top 40 non-bank mortgage originators. To date, Cloudvirga has raised over $27 million from some of the country's top lenders and venture capital firms.

For more information, visit http://www.cloudvirga.com/ or follow Cloudvirga on LinkedIn.

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Business, Free News Articles, Product Launches, Real Estate, Software

New Mobile App from Cloudvirga Connects Real Estate Agents with Loan Officers on Its Digital Mortgage Platform

IRVINE, Calif. -- Cloudvirga(TM), a leading provider of digital mortgage point-of-sale (POS) software whose enterprise technology is powered by the intelligent Mortgage Platform(R), today announced the launch of a new mobile app that will enable real estate agents to collaborate with mortgage loan officers in real time. This native mobile app allows instantaneous and secure exchange of loan documents and communication between real estate agents and loan teams for a faster, more efficient mortgage experience.

The mobile app, available for both Android and Apple devices, makes it easy for real estate agents to check a loan's status, view and send pre-approval letters and upload purchase contracts from virtually anywhere. Real estate agents can also use the app to share leads with loan officers.

"Cloudvirga's new mobile app deepens the collaboration between loan officers and real estate agents, which is critical to success in today's purchase-driven market," said Cloudvirga Co-founder Kyle Kamrooz. "Agents and loan officers now have access to our digital mortgage platform via a native mobile app that is both easy to use and incredibly powerful."

About Cloudvirga(TM):

Cloudvirga's digital mortgage point-of-sale (POS) software, powered by the intelligent Mortgage Platform(R), uniquely combines a world-class borrower experience with a truly automated lender workflow that radically cuts overall loan costs, increases transparency and reduces the time to close a loan.

Founded by top fintech veterans with a track record of building successful mortgage technologies, Cloudvirga's initial customer roster includes eight of the top 40 non-bank mortgage originators. To date, Cloudvirga has raised over $27 million from some of the country's top lenders and venture capital firms.

For more information, visit http://www.cloudvirga.com/ or follow Cloudvirga on LinkedIn.

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Education and Schools, Free News Articles, Legal and Law, NonProfit and Charities

Lion’s Heart Receives $10,000 from Shulman Hodges & Bastian LLP in Support of Teen Volunteers and Leaders

IRVINE, Calif. -- Lion's Heart is thrilled to announce it has received a $10,000 corporate partner sponsorship from the esteemed Orange County law firm, Shulman Hodges & Bastian LLP. These funds will support the cultivation of age-appropriate service projects for over 10,000 empowered teen Members across the country as well as support general law and business counsel for the organization.

Over the past six years, Lion's Heart teen Members have served over 850,000 community service hours in nearly thirty states, providing support for a wide variety of local causes--including animal care, children's health, environmental protection, military support, senior advocacy, and so much more.

"Lion's Heart helps teens understand the value of giving back while discovering the power they have inside themselves to contribute meaningfully to this world - now and for a lifetime," says Terry Corwin, Lion's Heart Founder and Executive Director.

"We are so excited to have the support of Shulman Hodges & Bastian LLP. With their help, thousands of teens will have more opportunities to discover empathy, collaborate with others, and practice leadership. All by experiencing service opportunities in their own neighborhoods."

Support teens in action by forming a Lion's Heart chapter in your neighborhood, becoming a Member, or requesting Lion's Heart teen volunteers to support your cause. For more information, visit https://lionsheartservice.org/ today!

About Lion's Heart
We are Lion's Heart: teens dedicated to positive social impact. We are a national 501(c)(3) nonprofit that provides 5th-12th grade students with local service opportunities that help them build a strong community service portfolio. Teens can track hours, earn leadership awards, and export their service portfolio to use on scholarship, college, and career applications. We are over 10,000 Members strong with new chapters forming every day across the United States! To form a chapter in your neighborhood, become a Member, request volunteers for your cause, or become a corporate partner, visit https://lionsheartservice.org.

Twitter: @LionsHeartOrg @SHBLLPLawyers #teenvolunteers #communityservice

VIDEO (YouTube):
https://youtu.be/L5tl-BNGK18

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Business, Free News Articles, Software

Record Year for Cloudvirga Closes with Customers of Its Digital Mortgage Platform Producing Over $100B in Loan Volume

IRVINE, Calif. -- Cloudvirga(TM) CEO Michael Schreck is on a mission to help mortgage lenders reinvent the mortgage factory. A developer of intelligent mortgage point-of-sale platforms, Cloudvirga gives consumers and loan officers a digital mortgage experience and helps lenders grow market share by automating the mortgage back office, saving them up to $1,500 a loan.

2017 was a banner year for Cloudvirga. In November, the company announced the addition of five top-30 lender customers to its digital mortgage platform, and it added a sixth top-30 lender in December. Together, these customers produced over $100B in loan volume in 2017.

"We are proud to have earned the support of the industry's leading lenders," said Schreck. "We believe their trust is indicative of Cloudvirga's unique mission to offer customers a response to Rocket Mortgage while also attacking the serious cost problems involved in producing a loan."

Also in 2017, Cloudvirga raised a $20M Series B led by Blackstone Group (NYSE: BX) portfolio company Incenter. To date, the firm has raised over $27M in total funding to scale its enterprise-class technology and invest in vendor partnerships, including a recently announced integration with Docutech, the industry's leading provider of document and compliance technology.

Cloudvirga hired Schreck, a veteran tech entrepreneur and former Altisource (NASDAQ: ASPS) senior executive, as its new CEO in June. The firm's previous CEO, co-founder Bill Dallas, continues to advise Cloudvirga as chairman of its board of directors.

Since then, Schreck has overseen several high-profile additions to Cloudvirga's leadership team, including the appointment of former ShiftPixy (NASDAQ: PIXY) CFO Stephen DeSantis as chief financial officer; former Intuit (NASDAQ: INTU) and First American (NYSE: FAF) executive Jim Portner as chief product officer; and former Dell (NYSE: DVMT) and IBM (NYSE: IBM) executive Sean McEvoy as chief customer officer.

In December, Cloudvirga co-founder and Chief Strategy Officer Kyle Kamrooz received top industry honors as one of HousingWire magazine's 2017 Vanguard Award winners. He was also recognized by National Mortgage Professional magazine as one of the mortgage industry's most influential professionals under 40.

About Cloudvirga(TM):

Cloudvirga's intelligent mortgage point-of-sale (POS) platforms uniquely combine a world-class borrower experience with a truly digital lender platform that radically cuts overall loan costs, increases transparency and reduces the time to close a loan. Founded by top fintech veterans with a track record of building successful mortgage technologies, Cloudvirga's initial customer roster includes nine of the top 40 non-bank mortgage originators. To date, Cloudvirga has raised over $27 million from some of the country's top lenders and venture capital firms.

For more information, visit http://www.cloudvirga.com/ or follow Cloudvirga on LinkedIn.

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Business, Free News Articles, Government, Product Launches

XG Communities announces advancement for the City of Beaumont’s 5G wireless strategy

IRVINE, Calif. -- XG Communities LLC and the City of Beaumont, Calif. announced that approximately 2,000 street light poles are available to wireless carriers and technology companies for small cell deployment. The street light poles are available on XG Communities' Site SeleX Platform (www.siteselex.com).

Located in Riverside County, the City of Beaumont has served as an attractive location for residents from Los Angeles and neighboring counties. The population has grown more than twenty percent since 2000, requiring a significant investment from the City into its infrastructure. The move to offer potential small cell sites on city assets is a part of its efforts to update its infrastructure and connectivity, as well as raising new revenue for the city.

The City of Beaumont signed an exclusive agreement with XG Communities in October 2017 to help the city organize and market the siting rights on city assets. Over the past 3 months, XG Communities has been developing a master plan and preparing the City's inventory of assets on the Site Selex platform for marketing to wireless providers.

Monnie McGaffigan, President of XG Communities, said "It's exciting to see the leadership that our cities are providing nationally in getting us ready for 5G. Beaumont, in particular, has been a true partner in finding creative solutions to offer locations on its assets while still meeting city priorities."

She added that they would be launching neighboring cities, including San Bernardino, in the coming month.

About The City of Beaumont:

Founded at the turn of the 20th century, the Beaumont boosts a rich history and charm for its residents and the many travelers on their way to the Mohave Desert and nearby moutains. The City of Beaumont has focused on developed a number of master planned communities and has ramped up its commitment to attracting investment to the region over the past two decades.

About XG Communities:

XG Communities (formerly dba 5 Bars Communities) is headquartered in Irvine, California. XG Communities organizes and markets the siting rights for small cell deployment on city property to wireless communications providers through its Site SeleX Platform. XG Communities currently has agreements with 27 cities and all major carriers.

For more information, please visit http://xgcommunities.com/.

For media queries, contact:
XG Communities LLC (formerly dba 5 Bars Communities)
(949) 514-4617
info@xgcommunities.com

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Business, Electronics, Free News Articles, Product Launches

XG Communities Threatens the Current Outdated Small Cell Deployment Model

IRVINE, Calif. -- XG Communities LLC, a premier provider of accelerated, organized and predictable wireless deployment for cities and municipalities across the United States, announced initial success in solving the small cell inventory and speed-to-deployment problems facing connectivity providers. Contrary to macro tower ownership models, XG Communities serves as the facilitator in the process for both cities and carriers, reducing variability and increasing the speed.

XG Communities has developed the first of its kind digital portal to enable carriers to reserve city-owned assets for small cell deployment, in only a few steps.

XG Communities' approach removes the lengthy back and forth process for legal negotiations and provides predictability for cities. So far, XG Communities has launched 6 cities on the Site SeleX Platform, including four cities in California (Sacramento, Fresno, Clovis and San Luis Obispo) and St. Louis, Missouri.

A CEO of a major tower company recently highlighted the challenge of deploying small cells - citing a backlog of 25,000 small cell orders with an average deployment time of 18 to 24 months. Given this timeline, connectivity providers will not be able to meet density required for the deployment of 5G and other emerging technologies. XG Communities' goal is to decrease the deployment timeline 6 months process. XG Communities is unique in its approach with cities, which involves close collaboration with cities to strengthen the city's expertise and revise processes to align with the new technical requirements of small cell deployment. The common goal between carriers and cities is to meet the tremendous small cell demand over the next five years and increase our nation's connectivity.

John Clarey, the CEO and Founder of XG Communities, said "The only way to break this logjam is the use of a facilitator steeped in expertise that sits between cities and carriers to make the process predictable and repeatable."

He added that the market is uniquely ripe for disruption and there is a clear path forward to ensure that XG Communities cities are ready for 5G and other emerging technologies, such as CBRS or 3.5GHz.

About XG Communities:

XG Communities (formerly dba 5 Bars Communities) is headquartered in Irvine, California. XG Communities organizes and markets the siting rights for small cell deployment on city property to wireless communications providers through its Site SeleX Platform. XG Communities currently has agreements with 27 cities and all major carriers.

For more information, please visit http://xgcommunities.com/.

For media or other queries, contact:
XG Communities LLC (formerly dba 5 Bars Communities)
(949) 514-4617
info@xgcommunities.com

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Business, e-Commerce, Free News Articles, Software

Digital Mortgage Point-of-Sale Pioneer Cloudvirga Hires Sean McEvoy as Chief Customer Officer

IRVINE, Calif. -- Cloudvirga(TM), developer of intelligent mortgage point-of-sale (POS) platforms, has appointed Sean McEvoy as its chief customer officer. As a member of the senior leadership team, McEvoy will be responsible for the firm's customer leadership, implementation and support functions. He has an extensive background in building world-class customer success organizations at FileNET, IBM, Quest and Dell. He will report to Cloudvirga CEO Michael Schreck.

McEvoy joins on the heels of Cloudvirga's recent addition of five top-30 lender customers to its digital mortgage platform. He brings a global skill set and a track record of success from roles that include vice president of global services and customer support for Dell Technologies (NYSE: DVMT). While there, McEvoy led a team of more than 900 global customer success, support and professional service engineers and contributed to hundreds of millions of dollars in software services and maintenance/renewals business growth.

McEvoy's other career accomplishments include establishing a $200 million renewal sales channel as a business unit executive for IBM (NYSE: IBM); overseeing six acquisitions and launching offshore delivery centers as vice president of support services for Quest Software (acquired by Dell in 2012); and serving as global director of technical consultancy services while vice president of technical operations for FileNET (acquired by IBM in 2006). He holds a master's degree in international business administration and a bachelor's degree in software engineering.

"Delighting our leading lending customers, which include five of the top eight non-bank originators, is core to Cloudvirga's mission in 2018," said Schreck. "We are bulking up our customer success organization to support a growing client base that produced over $100 billion in mortgages in 2017 and employs thousands of loan officers. Sean is a proven leader who can scale enterprise-class organizations to help ensure their success."

"As a software-as-a-service provider, Cloudvirga's long-term success hinges on our ability to help customers meet their desired outcomes," said McEvoy. "I look forward to helping Cloudvirga deliver on this mission."

About Cloudvirga(TM):

Cloudvirga's intelligent mortgage point-of-sale (POS) platforms uniquely combine a world-class borrower experience with a truly digital lender platform that radically cuts overall loan costs, increases transparency and reduces the time to close a loan. Founded by top fintech veterans with a track record of building successful mortgage technologies, Cloudvirga's initial customer roster includes nine of the top 40 non-bank mortgage originators. To date, Cloudvirga has raised over $25 million from some of the country's top lenders and venture capital firms.

For more information, visit http://www.cloudvirga.com/ or follow Cloudvirga on LinkedIn.

*PHOTO for Media: Send2Press.com/300dpi/18-0109s2p-Sean-McEvoy-300dpi.jpg
*Photo Caption: Cloudvirga Appoints Sean McEvoy as Its Chief Customer Officer.

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Business, Free News Articles

Bank of Southern California N.A. Opens Orange County Office

SAN DIEGO, Calif. -- Bank of Southern California, N.A. (OTC Pink: BCAL / OTCMKTS:BCAL), a community business bank headquartered in San Diego, has announced the opening of a production office in Orange County in the city of Orange, Calif. In addition, the bank said it is actively looking to expand into other Southern California markets, as the company continues to grow the banks franchise throughout the Southern California region.

"The bank currently serves many clients who are based in Orange and Los Angeles counties, so our expansion into Orange County was the next, natural extension of our planned growth," said Nathan Rogge, president/CEO, Bank of Southern California. "The Orange County market is attractive, not only because of its proximity to the bank's existing footprint, but also because of the number of thriving and prosperous businesses in the region left unserved by larger regional and national banks."

Rogge said the new Orange County production office, staffed by business development officers and a few administrative employees will focus on originating business relationships with financing and cash management needs who desire the personal services of a dedicated Account Officer, but who are also comfortable managing their banking electronically through services such as online banking and bill payment, remote deposit capture, mobile banking, and electronic cash vault.

"The company's strategic vision is to become a leading community business bank serving the Southern California region, and grow into the bank's name as it implies," said Rogge. "Bank of Southern California has grown significantly in recent years through a combination of organic growth and acquisition, and we are continuing to pursue new market growth opportunities in 2018.

"Our clients recognize the value of our relationship-based, solutions driven approach, which combines the sophisticated financial expertise and tools of a large bank with the genuine, personalized service and local engagement of a community bank. We are pleased that we can now better serve Orange County businesses," concluded Rogge.

About Bank of Southern California:
A growing community bank, established in 2001, Bank of Southern California, N.A., with headquarters in San Diego, Calif., is locally owned and managed, and offers a range of financial products to individuals, professional, and small-to-medium sized businesses. The Bank's solution-driven, relationship-based approach to banking provides accessibility to decision makers and enhances value through strong partnerships with its clients. The Bank currently operates seven branches in San Diego and the Coachella Valley in Riverside County, and a production office in Orange County.

For more information, please visit https://www.banksocal.com/ or call (858) 847-4780.

Ticker: OTC Pink: BCAL / OTC:BCAL / OTCMKTS:BCAL / OP: BCAL

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