Thanks for dropping by! Are there topics you'd like to see addressed in The Vault?  Send an email with your thoughts to [email protected] and we'll see what our team can do for you.  After all, we are most interested in what you are interested in!

"If you don't go after what you want, you'll never have it. If you don't ask, the answer is always no. If you don't step forward, you're always in the same place."    - Nora Roberts

Please contact [email protected] with your thoughts, requests, and suggestions.

What is EMV?
by Jeff Miles, VP / Information Services ManagerScott Valley Bank
EMV stands for Europay, Mastercard, and VISA, a global standard for inter-operation of integrated circuit cards (IC cards or "chip cards") and IC card capable point of sale (POS) terminals and automated teller machines(ATMs), for authenticating credit and debit card transactions.​ Why am I talking about EMV cards? EMV technology is not new and has been used in Europe and other countries for many years. I believe it will make its way to the United States in the near future for a number of reasons.
Asset Based Lending vs. Factoring
by Kevin O'Hare, SVP / ABL Division Group Manager, Scott Valley Bank
As Scott Valley Bank recently acquired its Asset-Based Lending Division, SVBusiness Capital, we find we are frequently asked to explain the differences between our primary product, Accounts Receivable financing (often referred to as A/R financing) and Factoring and to illustrate where each is appropriate as compared with conventional bank financing.​
Workplace Safety
by Kristi von Tickner, VP/Financial Services Manager, Scott Valley Bank
Safety in the workplace can vary widely depending on the nature of your business. Since employers are responsible for ensuring the safety and well-being of employees, a culture of safety can be built by establishing an effective safety policy and creating safety education opportunities for employees. Here are a few tips to consider.
Pickin' Wild Huckleberries, A Journey In Life
by Bill Haden, SVP / Business Banking Team Leader, Scott Valley Bank 
When was the last time you trekked into the high country and hunted for the elusive wild huckleberry? Fall in the Pacific Northwest is my favorite time of year. The mornings are cool and crisp while the afternoons are warm and relatively mosquito free. I love to backpack and over the past 30 plus years I've found some really spectacular places to visit in the Cascades, Kalmiopsis, Glacier Peak, Sierras, Sawtooths, Bob Marshall and Trinity Alps.

Thank you for your time! We'd like your input! Send your comments and article suggestions to Feedback on The Vault 
If you feel you have received this newsletter in error or would like to unsubscribe, please CLICK UNSUBSCRIBE and send to have your email address removed from the subscription list.
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.