We anticipate profitability within our first 3 years of operation with a growing ROI each year.

Like any investment, there are some risks, including economic fluctuations, changes in financial regulations, and competition from larger banks. However, we have risk mitigation strategies in place, including a focused business model, strong partnerships with financial advisors, and robust risk management measures.

• Personal Banking: Savings accounts, checking accounts, credit cards, home mortgages, and personal loans.
• Business Banking: Small business loans, business accounts, modern payment services, commercial real estate loans and SBA loans.
• Financial Education: Workshops on financial management, credit building, and investment, tailored for the Vietnamese-American community.
• Digital Banking: Mobile banking app, online transactions, and 24/7 bilingual customer support.
• Cross-border Banking: Import-Export business from and to Vietnam.

Investors can participate by purchasing shares during the initial fundraising phase. We are seeking strategic investors with a long-term vision and commitment to growing the bank for the benefit of the community. We welcome discussions on investment plans and potential benefits.

• Providing financial support for small businesses and Vietnamese-American households
• Offering free financial literacy programs to improve financial management skills.
• Developing special loan programs for immigrants and startup businesses.
• Partnering with community organizations to sponsor cultural and educational events.
• Expanding digital banking platforms to make financial services more accessible.

USV Bancorp’s exit strategy is designed to maximize investor returns. In the early stages, we focus on sustainable growth and building brand value. Once the bank reaches a stable scale and profitability, we will consider two main options:
• Initial Public Offering (IPO): When the bank achieves steady growth and strong market credibility, an IPO will help increase the value of investors' shares and expand capitalraising opportunities.
• Acquisition: We will also consider merging with or selling to a larger financial institution if it offers the best value for investors.

We are committed to transparency in our exit strategy and ensuring maximum benefits for our investors.

A community bank is a locally operated financial institution that prioritizes personal relationships with its customers and invests directly in the communities it serves. Unlike large national banks, community banks focus on local economic development, small business support, and financial education tailored to specific community needs

• Local Decision-Making: Community banks make lending decisions locally, allowing for greater flexibility and understanding of individual circumstances.
• Personalized Services: Customers receive personalized attention, unlike the standardized processes at larger banks.
• Investment in the Community: Profits are reinvested into the local community through small business loans, mortgages, and community projects.
• Relationship-Based Banking: Community banks build long-term relationships with customers rather than focusing solely on transactional banking.