Summit Bank

Summit Bank is a national banking association organized under the laws of the United States, which commenced business on March 10, 1988. The bank engages in commercial banking from its main office and seven branch offices. Four of these branch offices are located in its primary service area of northern metropolitan Atlanta, Georgia. A fifth office is a limited service branch office in the south Atlanta area. Two additional branch offices are located in San Jose and Fremont, California, and the bank maintains a loan production office in San Diego, California. Summit Bank also has a representative office in Shanghai, China. In December 2005, the bank announced an agreement to purchase Concord Bank, a national bank with one office in Houston, Texas. All of these offices, including Concord Bank, are in ethnic communities similar to part of Summit Bank's Atlanta primary service area. Summit Bank serves four principal markets: individuals, professionals, and small to medium-sized businesses in its primary service areas; ethnic communities in its primary service areas, including businesses operated by members of such communities; individuals, professionals, and businesses in its primary service areas requiring international financial services such as letters of credit, wire transfers, and documentary collections; and foreign corporations and individuals requiring international private banking and other specialized banking services in the Atlanta metropolitan area and in San Jose and Fremont, California. The bank offers a variety of traditional and specialized banking services.