Heather Rane, Experienced Eastside Professional

I want to introduce myself and Cowlitz/Bay Bank to you.
Cowlitz Bancorporation is the holding company of Cowlitz Bank, which was established in 1977. In addition to its four branches in Cowlitz County Washington, Cowlitz Bank’s divisions include Bay Bank located in Bellevue, Seattle, and Vancouver, Washington; Portland and Wilsonville, Oregon; and Bay Mortgage in southwest Washington. Cowlitz specializes in commercial and international banking services for Northwest businesses, professionals, and retail customers, and offers trust services in Washington and Oregon.
Cowlitz Bancorporation's mission is to be the premier commercial bank holding company in the Northwestern United States. Through banking, mortgage, trust and other financial services along with offices stretching from the north in Puget Sound, through southwest Washington and into Portland, Oregon, Cowlitz specializes in providing financial services to independently owned businesses and individuals. Each organization that is part of Cowlitz helps carry out this mission through dedication to three principles:
• Customer first banking™, calling for the maximum level of professional service for each of Cowlitz's customers.
• Employees' integrity, commitment to service, ethical behavior and genuine concern for our customers' well being.
• Our belief that unless constantly nurtured, nothing is as short-lived as a good client.
With these guiding principles, Cowlitz Bancorporation will strive to deliver the best financial services to its Northwest markets, safe and sound economic support of its communities and optimal returns to its shareholders. Cowlitz's completion of this mission calls for constant attention to each of the key elements of its business:
People: Advanced training of employees, promotion and retention of qualified employees.

Loans: Careful nurturing of existing loan relationships and responsible growth in new loans.

Deposits: Long term, stable growth in core retail and wholesale relationships.

Expenses: Efficiency through consolidation of functions and training of employees.

Technology: Web-based and related technologies to improve delivery of services.

Shareholders: As a publicly traded corporation, Cowlitz takes very seriously its obligations to its owners. It will conduct banking activities in a safe and sound manner designed to serve the needs of the communities and produce reasonable returns for its shareholders.


Heather Rane Branch Manager Bay Bank Bellevue

Ms. Rane brings 23 years Customer Service experience, 19 years of Retail Management and 4 years of banking Management experience with Cowlitz/Bay Bank Bellevue. Previous experience includes Retail Management and Sole Proprietorship.

Heather has served on the board of the Renton Business and Professional Women’s organization as Treasurer in 2008-2009. She currently serves on the borad of the Bellevue Business and Professional Women's organization as Treasurer since February 2009 and as a Bellevue Chamber of Commerce Ambassador since 2004. Ms. Rane is a member of the Renton BPW, Bellevue BPW, Greater Seattle Chinese Chamber of Commerce, Kent Chamber of Commerce and Bellevue Chamber of Commerce. Heather remains active with World Vision, Junior Achievement of Washington and the Overlake Service League. She continues to grow her skills through the Washington Bankers Association and American Bankers Institute.

Ms. Rane will provide Personal and Business Banking expertise and recommendations, with a special focus on your particular business. Ms. Rane will work as a liaison between all Bay Bank departments to ensure timely implementation and accuracy of all services delivered.

Banking Solutions Offered:

• Business Banking Solutions

Commercial Loans: Revolving Lines of Credit, Short Term Loans, Long Term Loans, Small Business Administration Loans, Merchant Card Services, Internet Banking , Cash Management Services: Bill Pay, Remote Deposit, Payroll, EFT Tax Payments, Automated Clearing House (ACH) Payments and Receipts, Wire Transfers, Trust Services, 24 hour Telephone banking, Corporate Credit cards, Debit Cards, Mortgage Loans, Notary Services, Wire Transfers, Debit Cards

• International Banking Services

Issuance of Commercial Letters of Credit, Documentary Collections, International Funds Transfer(Import/Export), Advising and Negotiation of Export Letters of Credit, Documentary and Clean Collections, Bills Purchase Program, Transfers of Irrevocable Letters of Credit, Confirmation of Export Letters of Credit, Issuance of Standby Letters of Credit, Foreign Exchange services and Government-Guarantee Export Financing

• Personal Banking Solutions

Deposit Accounts: Checking, Savings, Money Market, certificate of Deposit and Individual Retirement accounts, Consumer Loans: Auto Loans, Boat Loans, Credit cards, Home Equity Lines of Credit, Home Improvement Loans, Mortgage Loans, Personal Loans, Trust Services: Confidential, personalized services to help you in estate planning, trust investment services, and individual trust accounts, Internet Banking including Bill Pay services, VISA debit cards, 24 hour Telephone banking, Cashier Checks, Notary Services

It would be my pleasure to give you a tour of our branch and show you what sets us apart from the rest. Let me know a convenient time for you? 425-990-9943

Heather

Additionally if you'd like more info on Advocare and how it's changed my life let me know.
Advocare
Charles E. Ragus founded AdvoCare in 1993 with the dream of changing people's lives nutritionally and financially. Charlie chose the name AdvoCare to communicate his commitment to Distributors: He would be an advocate who cared for them. Charlie was inspired to offer products that would help people achieve overall wellness through a business model in which people from all walks of life could realize their own financial potential.
The history and track record speak to our standard of excellence. In 2002, the Direct Selling Association recognized the company's DebtBuster® System with its prestigious Education for Life Award. In 2003, AdvoCare earned the Dallas 100 Award recognizing the fastest-growing privately held companies in the Dallas area for the seventh consecutive year, and placed in the Top 10 for the second year in a row.
Our tradition of excellence and our commitment to offering superior health and wellness products have positioned AdvoCare at the forefront of the healthcare direct sales industry. Every day, people who use our products are looking better, feeling better and making a difference in the lives of others. Moreover, people are becoming debt free, realizing financial freedom and achieving lifelong goals.
Today, President & CEO Richard Wright steers the company towards even greater growth and success.
AdvoCare is founded on 10 principles that guide our direction and are the basis for our success.
At AdvoCare, we:
1. Honor God through our faith, family and friends.
2. Respect and strengthen the family.
3. Believe in the dignity and the importance of the individual.
4. Create a standard of excellence recognized by the direct sales industry as superior.
5. Believe that honor, integrity and principles are the foundation of a great life and company.
6. Commit to mutual loyalty and trust between AdvoCare and its Distributors.
7. Establish and continually improve the vehicle of opportunity and the pursuit of financial freedom for all AdvoCare Distributors.
8. Commit to ongoing personal growth and development through professional training and educational programs.
9. Build self-esteem by promoting a sense of personal worth among all people.
10. Continually expand our market by providing the most effective and highest-quality products and service available.
- Charlie Ragus, AdvoCare Founder

To look and feel good, you need a well-balanced diet and regular exercise. Studies suggest that the average American diet simply does not include all that is needed to ensure enough vitamins, minerals and other essential nutrients for a healthy life. Supplementation, in conjunction with a healthy diet and exercise, can have a dramatic impact on your health and wellness. AdvoCare products, the most advanced nutritional supplements available, can help deliver the nutrients frequently missing from the diet, and along with a healthy lifestyle, can support a lifetime of optimal wellness.
Safety is the first consideration for every AdvoCare product. Each product is backed by more than 270 years of combined experience and expertise from the Scientific & Medical Advisory Board. Working with the Research & Development team, they ensure that AdvoCare products are based on proven and effective science and nutrition. Furthermore, the products offer a unique, comprehensive solution to your nutritional needs. The formulations are designed with the most effective combination of nutrients that are easily absorbed into the body. AdvoCare also maintains the highest standards of manufacturing and scientific integrity.
Cutting-edge science with you in mind.

The AdvoCare Scientific & Medical Advisory Board represents a wide variety of health disciplines including nutrition, biochemistry, physiology, pharmacology, toxicology, skin care and surgery. Nationally and internationally recognized in their specialty areas, Board members use their expertise to ensure that all AdvoCare products are based on solid science and created with the highest quality ingredients. Each AdvoCare product is designed to be world-class, cutting-edge, safe and effective. The right combinations of ingredients in the correct amounts are a hallmark of AdvoCare products. In addition, our goal is to provide consumers with finished products that are tested to ensure that they contain the amounts stated on the label.
Robert Hackman, Ph.D., of the University of California at Davis, is chair of the Scientific & Medical Advisory Board. Dr. Hackman says AdvoCare has a unique and unparalleled commitment to producing world-class products.
"AdvoCare products are based on significant scientific and medical breakthroughs. We seek cutting-edge ingredients that elicit outstanding results", says Dr. Hackman. "We don't throw in a dash of some ingredient so insignificant that it can't yield any desirable or lasting effects. If something is listed on our labels, rest assured it's in the appropriate quantity to have a beneficial effect on you."
Whether you're looking for a way to lose weight, gain energy or maintain proper nutrition, AdvoCare has what you're looking for. AdvoCare offers health and wellness products that fit every lifestyle. Thousands of people just like you choose AdvoCare products because they work. World-class professional athletes endorse them; amateur athletes and weekend warriors have achieved amazing results with them.
The power of AdvoCare products lies in the stories of those who use them. Find out more about the people who have experienced life-changing results with AdvoCare.
AdvoCare products are safe and effective. Because the products work so well, now you have the opportunity to earn income through product sales as an independent Distributor. You and your customers have access to AdvoCare products 24 hours a day, 7 days a week, making it easier to maintain and build your customer base.
Your unlimited earning potential is based on your effort. You have the flexibility to choose when and how you will work your AdvoCare business. You can easily retail products to friends and family for extra income. You can recruit Distributors to join your team and gain a substantial income by earning a percentage of the sales of your team of business-builders. As you continue to build your business, your potential grows.
With AdvoCare, you can achieve your goals. We offer you a proven, duplicable plan described in our Success System Guide, giving you the essential components of a successful AdvoCare business so that you can earn the income you desire. Many Distributors have already created a full-time business that has allowed them to create a life on their terms. Others have used part-time earnings to pay down debt or supplement their current income so they could start enjoying more options in life. You can too – we’ll show you how!

A track record and reputation for innovation and excellence have established AdvoCare as the premier authority for health and wellness. The AdvoCare opportunity is real; the results are achievable. All it takes to get started is your decision to join us. You’ve found AdvoCare at the perfect time.
As part of the health and wellness industry, AdvoCare is set for growth. According to Paul Zane Pilzer, world-renowned economist, the newly emerging wellness industry will be a trillion dollar business by the year 2010. In Unlimited Wealth, Dr. Pilzer explains that more than one-half of the population is now taking a proactive approach to health; therefore, the greatest fortunes are to be made in wellness products.
As a direct sales company, AdvoCare has the unique opportunity to reach people face to face and gives independent business owners flexibility by linking them with a company that provides quality, endorsed products. Best of all, you control your business. You are your own boss, which means you can:
• Work part time or full time
• Set your own goals
• Earn in proportion to your own efforts with your success limited only by how much you want to work
• Own your own business with a small capital investment
• Receive training and support from an established company
AdvoCare provides solutions in two important areas of life - wellness and income. Because our nutritional solutions are unmatched in the health and wellness industry, AdvoCare provides one of the greatest income opportunities in the direct selling industry today.

Changing lives through better health and financial freedom
People turn to AdvoCare for a number of reasons:
• To improve their health or that of their family
• To become debt-free
• To earn additional income
• To gain the freedom to spend more time with their family
• To have life on their own terms
Whatever the reason for joining AdvoCare, everyone starts their journey at the beginning. Some begin with little or no knowledge of proper nutrition or with limited exposure to direct sales and may want to concentrate on product use. Others may jump on the "fast track" of the business opportunity and begin building a team right away. Whatever your experience or your purpose in becoming a Distributor, AdvoCare can be a valuable part of your life for the path you choose.