HERITAGE FINANCIAL CORPORATION
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Heritage Financial Corporation, through its subsidiaries, Heritage Bank and Central Valley Bank, N.A., offers various banking and financial services. It accepts certificates of deposit; and regular savings, money market, checking, negotiable order of withdrawal, and individual retirement accounts. The company originates commercial loans, including business lines of credit secured primarily by real estate, accounts receivable, and inventory financing; business term loans secured by real estate for either working capital or lot acquisition; small business administration loans; and unsecured business loans, as well as originates real estate loans, including single family residential, multifamily and commercial, and construction loans; agricultural loans; and consumer loans. The company invests in U.S. Treasury obligations, U.S. Government agency obligations, certificates of deposit of insured banks, mortgage backed and mortgage related securities, corporate notes, municipal bonds, Federal Home Loan Bank stock, and federal funds. As of June 30, 2005, Heritage Bank had 11 branch offices located in Thurston, Pierce, and Mason Counties; and Central Valley Bank had 5 branch offices located in Yakima and Kittitas Counties. Heritage Financial Corporation is headquartered in Olympia, Washington.