In this season of thankfulness, we appreciate that you spend time with us. We reiterate our commitment to serve as a resource for relevant information and as a part of your team.

As serious as all that sounds, we want you to know that we do make time for fun and recreation. Youíll see from the photos featured that EVP/Chief Credit Officer, Steve Studer is an avid fisherman and VP/Information Technologies Officer, Jeff Miles balances time in front of the computer with outdoor activities of hunting and golfing. Others here enjoy skiing, quilting, music, yoga, reading, gardening, family time, and other activities that provide a healthy balance. We are grateful for all of you, and grateful for these activities which help us better focus on serving you!

Please feel free to email us your thoughts, requests, and suggestions.

Capital Expenditure Decisions for Your Small Business
by Steve Studer, EVP/Chief Credit Officer, Scott Valley Bank - Capital spending ("Capex") for a small business is one of the more important long-term decisions that entrepreneurs face. If you and your internal staff do not have the expertise to fully-understand these decisions, your accountant and Banker can help orient the analytical pieces into some kind of framework for you. Bad Capex decisions are too costly not to seek out help from your support network. Read More...
'Tis the Season
by Gaylene Schweitzer, VP/Compliance OfficerScott Valley Bank - 'Tis the season to be reminded that as we are filled with the goodwill of the holiday season, fraudsters are seizing the opportunity to increase their illicit activities.  Articles begin to appear in our newspapers, frequently visited Internet sites and on the radio reminding us to be vigilant as we move through our holiday activities and to take extra precautions to protect our personal and financial information. Join me as we strive to protect ourselves and to educate and protect our loved ones, especially those most vulnerable. Read More...
What are DDoS Attacks?
by Jeff Miles, VP/Information Services Manager, Scott Valley Bank - A denial-of-service attack (DoS attack) or distributed denial-of-service attack (DDoS attack) is an attempt to make a machine or network resource unavailable to its intended users. The two most common motives that I have seen for orchestrating DDoS attacks in the financial industry are to achieve a political goal or to divert attention away from a fraud event. These motivations seldom have any direct correlation to the service that is interrupted and cause inconvenience to the end user. Read More...

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We are pleased to present articles from respected guest authors in this newsletter. This newsletter contains links to non-bank sites.  These links are offered only as a pointer to information that may be of interest to our readers and do not imply endorsement or responsibility for the ideas, opinions, information, products or services offered. Linked third-party websites may have privacy policies that differ from the privacy policy of Scott Valley Bank.