Full Service Offices Lending Offices

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Steven Manning
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2 CALIFORNIA S BANK More than 90% of our loans are issued in California or to Californians. We loan out $1 for every $1 deposited, projected at over $5 billion for $5.5B Assets 1,000+ Small Business Loans & Leases Top 10 Largest Lender in California $5B in Loan Originations 90,000 Deposit and Lending Accounts Serviced 1,400+ Employees 100 Locations in California and the West 10,000+ Home Loans (2014 Estimate) $1.1B Commercial Real Estate Loans on Balance Sheet Top 10 Largest Bank in California Full Service Offices Lending Offices Banc of California also has home lending locations in Oregon, Arizona, Montana, Nevada, Maryland and Virginia. All figures are pro-forma and include acquisition of Popular Community Bank branches. Bank size compared to Consolidated California Holding Banks.

3 Welcome to Banc of California. Since 1941, Banc of California has provided full-service banking and home lending to California s diverse private businesses, entrepreneurs and homeowners. Today, with over $5.5 billion in assets and over 100 banking and lending locations in California and across the West, we are large enough to meet your banking needs, yet small enough to serve you well. Banc of California s strong balance sheet, deep community roots and commitment to lasting and meaningful relationships are the foundation for its long record of success. Banc of California is committed to your success. At Banc of California, we start with a simple principle: everyone deserves the opportunity to follow their dreams and to build their futures. We also understand the challenges of growing a business, buying a home, raising a family, and saving for college and retirement. That s why we provide innovative banking and lending products, and exceptional customer support to make banking simpler. Our banking made simpler approach to full-service banking is designed to help you focus on what s important to you achieving your dreams. We re invested in your local community. At Banc of California, we proudly invest, volunteer and lend in the communities we serve: By helping our clients grow their businesses or purchase a home, we create jobs, transform neighborhoods, enrich communities, and make dreams become reality. By supporting community organizations that provide financial literacy and job training, small business support, and low-income housing, we help grow our state s economy and build a more positive and inclusive future for Californians. Community support is good for business.

4 Flexible Lending Programs Banc of California provides a comprehensive suite of lending products to meet the needs of small businesses, entrepreneurs and homeowners. In 2014, we are projected to fund over 10,000 loans for over $5 billion. This makes us the 10th largest bank and the 9th largest lender in California. Business Lending We are one of the top small business lenders in California, offering progressive products that grow with your business, such as small ticket equipment leasing, flexible portfolio home loans, and customized, flexible business lending. Banc of California s capital strength enables us to lend to borrowers with needs from $25,000 to $50,000,000 throughout the state. Banc of California also offers lending programs for individuals and businesses that are building good credit. Residential Lending Along with consultative mortgage lending and streamlined fulfillment, Banc of California offers mortgage lending products strategically designed for traditional borrowers and borrowers with complex and/or non-traditional lending needs ideal for self-employed clients with unique financing scenarios. With these specialized commonsense lending products, we can open more doors to homeownership. Family Office Lending Banc of California provides innovative lending products to family offices and investors for income properties, lines of credit, and asset-based lending. Business Loans 14% Multifamily 23% Commercial Real Estate 28% Commercial Real Estate 25% Other 4% Residential 31% Diversified Lending Platform (by volume)

5 Innovative Deposit Programs At Banc of California, we offer simple, innovative and flexible deposit products. The One Account Banc of California s One Account is based on an innovative concept in banking: Simpler is better. The One Account combines high-yields and maximum liquidity in one simple, flexible account for personal or business use that offers an alternative to locking up your money in time deposits, and minimizes the need for unnecessary accounts. Name The Day Certificate of Deposit Our Name The Day Certificate of Deposit allows you to choose your maturity date, maximize your returns, and minimize rollovers. So, for example, if the escrow on your new house closes April 19, you can name that day as your maturity date and collect the maximum amount of interest. Business Banking with Benefits Banc of California offers a range of fair and simple business checking accounts with features that save time and grow your business. Unlike most banks, our Interest Business Checking Account pays interest on operating balances with no monthly service charges for qualifying balances. Our Analyzed Business Checking is specifically designed for high (500+) monthly transaction volume and cash flow. All our business accounts come with free ATM access, VISA Business Debit Card, online banking with free bill pay, and free night depository. Basic Checking and Savings Accounts Banc of California provides basic check and savings accounts to fit the needs of all our customers, including free checking for customers with minimum balances.

6 We are Entrepreneurs, Innovators, Executives & Bankers. Look closely at the senior management of Banc of California and you will find experienced entrepreneurs, business owners and executives who have made the choice to grow a unique and innovative bank. Virtually every business line is led by an entrepreneur who has started their own small business. Visit our branches and you ll also find seasoned branch managers, relationship managers, bankers and lending professionals that embrace our team culture of excellence, and are fully prepared to simplify your financial life and advance your goals. At Banc of California, we believe ownership transforms outcomes. We train all our employees to listen and understand the complex challenges our clients face. We provide stock to every employee at Banc of California to encourage our employees to take ownership of the customer experience to walk in their client s shoes. That s why we have made every employee an owner of our Company.

7 WE BELIEVE We believe in financing entrepreneurs and businesses, expanding homeownership, and investing in communities. We believe our clients deserve fair and simple banking and lending products. We believe in exceptional service. We believe our clients deserve access to decision-makers and management. We believe in simplifying our clients financial lives. We strive to make possible your California Dream. We are proud to be the Banc of California.

Simplify your success.

Simplify your success. CALIFORNIA S BANK We are committed to building the top full-service bank serving California s diverse private businesses, entrepreneurs and homeowners. We loan out $1 for every $1