BWC Financial Corp. is the holding company for Bank of Walnut Creek (the Bank). The Bank offers a full range of commercial banking services, emphasizing the banking needs of individuals and the business and professional community in Walnut Creek, California, and surrounding areas of Contra Costa County. The Bank accepts checking and savings deposits, makes construction loans, mortgage real estate loans, commercial loans, Small Business Administration (SBA) loans, leases and installment loans and offers safe deposit services, including oversize boxes for short-term storage. It sells travelers checks, issues drafts and offers other customary banking services. The Company also operates, through its subsidiary, BWC Real Estate, a joint venture brokerage service called BWC Mortgage Services. This brokerage division not only provides long-term mortgage placement services for the Banks construction loan clients, but also for non-clients seeking long-term mortgage financing.