At Excite Credit Union, we're committed to empowering your business's success. As your dedicated financial partner, we understand the unique challenges and opportunities you face. That's why our Business Banking Team is here to provide tailored solutions that meet your specific needs.

Whether it's financing, treasury services, or expert financial guidance, we're by your side every step of the way. Your success is our priority, and we're excited to be a part of your journey. May you and your family have a happy and safe holiday season.

As we gear up for the year ahead, getting your business plan in order is like charting your course for a successful 2024. Check out these essential factors for creating a strong plan.

• Set Clear Objectives: Your business plan should start with well-defined objectives that encompass your mission, vision, and achievable goals.
• Market Research: Thoroughly analyze your target market, competition, and industry trends to make informed decisions.
• Financial Projections: Include detailed financial forecasts, such as income statements, balance sheets, and cash flow projections.
• Strategic Thinking: Develop a strategy that outlines how you'll achieve your goals, from marketing and sales to operations and expansion plans.
• Risk Management: Identify potential risks and outline strategies to mitigate them, ensuring your plan is adaptable to unforeseen challenges.
• Regular Review: Treat your business plan as a dynamic document that requires periodic review and adjustment to stay relevant and effective.

A well-prepared business plan is your roadmap to success, guiding you through the ever-changing business landscape and helping you achieve your goals for 2024.

In the world of small business banking, credit unions are gaining ground as a compelling alternative to traditional banks, offering lower fees, competitive interest rates, personalized service, community involvement, flexible lending criteria, profit-sharing, and a strong emphasis on ethical and responsible banking practices. Small business owners looking to align their financial institution with their values and needs can benefit from the unique advantages that credit unions offer, ultimately contributing to their growth and success.

Excite is the community's credit union, and we're dedicated to supporting your business at every stage of its journey. Whether you're just starting or an established enterprise, our business membership offers a range of benefits to help your business thrive. Here's what you can expect:

• ITIN Lending and Account Opening: We make it easy for you to access credit and open accounts, even with an ITIN.
• Convenient Banking: Manage all your accounts seamlessly with our Mobile and Online Banking services.
• Effortless Transactions: Simplify your finances with Bill Pay and Digital Wallet capabilities.
• Global Access: Enjoy the convenience of our Visa Debit Card with access to over 30,000 in-network ATMs.
• Streamlined Deposits: Make unlimited electronic deposits, including Remote Deposit, ACH, and Point of Sale transactions.

Stephanie Flores, Latino Business Foundation Silicon Valley: "Our experience with Excite Credit Union has been successful, and we look forward to continued growth as our partnership develops. Excite has been instrumental in introducing small businesses in the East San Jose community to financial education and services."

Juvenal y Rubi, David & Aron Landscaping: "Our experience with Abraham Valle, Business Banking Advisor of Excite Credit Union, has been optimal. We feel part of the big Excite family because they always support us in everything we need."

Dr. Gretchen S. Rivas, Infinity Acupuncture: "I've been with Excite Credit Union for almost 20 years. They've supported me as I grew my business from a solo entrepreneur to a million-dollar enterprise. As a Business Partner, my team Members also enjoy special advantages that set them up for success. I'm grateful to Excite for being with me all these years."

*To qualify for the $300 Bonus the following criteria must be met within the first 90 days of Go, Pro or Boss Business Checking account opening: a. Become a Member and Open a New Go, Pro or Boss Business Checking account; b. No prior/current Excite Business checking account(s) in the past 180 days; c. Aggregate deposits of $1500 or higher occurring monthly and perform a minimum of 10 qualifying transactions (ATM withdrawals, debit card purchases, ACH Debits and paid checks) within the first 90 days. Please note internal transfers, fees, debit card refunds and transaction reversals do not count as qualifying transactions for bonus offer.

Federally Insured by NCUA.

www.excitecu.org