This page is for you the membership to give us information about your business.  If you have an article you would like to share, just email it to the Chamber at www.escalonba.org.   Articles will be published in the order they are submitted and run for approximately two weeks.

 OAKDALE, CA– Oak Valley Community Bank, a subsidiary of Oak Valley Bancorp (NASDAQ:
OVLY), announced today that it has received the 2010 award for “Outstanding Community Support”
from Habitat for Humanity, Stanislaus County. The award, which was presented on May 20, 2010 at
the Annual Habitat for Humanity Awards Dinner, is in recognition of the Bank’s efforts to make a
significant contribution to Habitat for Humanity and the cause of affordable housing.
Bank employees distinguished themselves by working to provide Habitat for Humanity, Stanislaus
County with a line of credit to fund "Hope Village" and other home building projects, writing grants,
and administering the WISH ($150,000) and the Affordable Housing Programs ($300,000). Oak
Valley has provided strategic and financial guidance as well as volunteer construction hours.
“Oak Valley Community Bank and its employees have a longstanding commitment and track record of
giving back to the communities we serve,” said Chris Courtney, President of Oak Valley Community
Bank. “We are honored to receive recognition for our commitment, passion and leadership in the
community.”
Oak Valley Bancorp operates Oak Valley & Eastern Sierra Community Bank, through which it offers a
variety loan and deposit products to individuals and small businesses. The Company currently operates
through 12 conveniently located branches: Oakdale, Sonora, Turlock, Stockton, Patterson, Ripon,
Escalon, two branches in Modesto, and three branches in their Eastern Sierra Division, which includes
Bridgeport, Mammoth Lakes, and Bishop.
For more information, call 1-866-844-7500 or visit us online at www.ovcb.com.

HOW TO SHOP FOR TERM LIFE INSURANCE

Annie Gallagher

The first step that you should take in shopping for term life insurance is to assess your current situation to determine what type of insurance policy you would be comfortable purchasing.

Your next step is to determine how much life insurance you need.  A general rule of thumb is to purchase term life insurance that exceeds five to ten times your gross annual income.

For the majority of consumers, term life insurance will provide the greatest amount of protection on your investment.  For others Accumulation of Cash Value will provide additional valuable benefits.

Compare the costs associated with each different insurance company.  Always consider the differences between competing insurance companies.

If you are considering the purchase of term or any other life product don’t wait.  If your health changes if could cost you more or you may not qualify for the amount that you need.

Always try to work with a professional someone that understands your needs and reasons why you need or want the life insurance. 

Cromwell & Ney Ins. Agency offers such a person, Annie has been in the business for 20 years, she will do the searching for you.  You will not need to set up your own exam (if needed), nor will you have to call an 800# push 1, 2 or 3 to find out what is going on with your application, just pick up the phone and call our office. 209-838-3561