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1 Simplify your success.

2 CALIFORNIA S BANK $3.5 billion Assets 1,000+ Small Business Loans & Leases Top 100 SBA Bank Lender $5+ billion in Lending* 15,000 Accounts Serviced 1,000+ Employees 70+ Locations in California and the West 5,000+ Home Loans* $500+ million Commercial Real Estate Loans Full Service Offices Lending Offices Banc of California also has 10+ locations in Oregon, Washington, Arizona, Montana and Virginia. *2013 Estimate

3 Welcome to Banc of California. Since 1941, Banc of California has provided full-service banking and home lending to individuals and their businesses, families and employees throughout California and across the West. Today, with over $3.5 billion in assets and over 70 banking and lending locations, 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 becoming the top full-service bank in California and across the West by serving the needs of the most sophisticated entrepreneurs, small business owners, and executives with innovative banking products and exceptional service that simplifies financial lives and benefits the communities where our clients live and work. Simplify your success. Our fair and simple approach to full-service banking is designed to eliminate the complexity of everyday banking and save you time so that you can focus on what s important to you growing your business, looking after family and employees, and planning for the future. That s the Banc of California advantage, and our commitment to you. We re here to make banking simpler for you.

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 2013, we are projected to fund over 5,000 loans for over $5 billion. This makes us one of the largest lenders of any bank focused on the needs of California. Business Lending We offer customized and flexible business lending products for equipment finance and leasing, commercial real estate, commercial and industrial lending. We are also one of the Top 100 SBA lenders in the country. Banc of California s capital strength enables us to lend to borrowers with needs from $50,000 to $50,000,000 throughout the state. Residential Lending Along with consultative mortgage lending and streamlined fulfillment, Banc of California offers mortgage lending products strategically designed for borrowers with complex and/or non-traditional lending needs ideal for self-employed clients, and 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. Other 4% Multifamily 6% Business Loans 10% Residential 61% Commercial Real Estate 19% Diversified Lending Platform

5 Innovative Deposit Products At Banc of California, we offer innovative deposit products that are fair and simple. 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 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 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 specially designed for high monthly transaction volume and cash flow. All our business accounts include free ATM access, VISA Business Debit Card, online banking with free bill pay, and free night deposit.

6 Concierge Service For clients with more complex banking needs, we offer enhanced tiers of banking services. Banc of California Preferred is a membership-banking program managed by our Office of the President. Preferred membership entitles you to front-of-the-line access, unlimited house calls and notary services; a dedicated team to streamline residential, commercial and business lending; and a discount for mortgages. THE PREFERRED ACCOUNT Preferred Membership entitles you to a single interest-bearing business or personal checking account that eliminates the need to open multiple accounts, lock up your money in a time deposit, or worry about overdrafts. And, of course, you will receive our best rates. OFFICE OF THE PRESIDENT The Office of the President is designed to provide concierge service to our Preferred banking clients, and to simplify the banking experience by eliminating red tape. Built upon the bank s service culture of Building Excellence, the Office of the President ensures that our customers will always enjoy an exceptional level of service.

7 Banc of California s Private Bank offers clients the very highest level of personal, business, and entertainment banking and lending solutions to depositors and their fiduciaries. Designed for family offices who require a dedicated private banker to understand their complex banking needs, our Private Bank also provides integrated accounting software and comprehensive online treasury management services to enable fiduciaries to service multiple accounts and users with customized levels of authority. PERSONALIZED BANKING Tailor-made for your unique banking requirements, we offer a full and versatile complement of banking products and services for discerning individuals. We cater to your specific needs while providing the utmost discretion in preserving and protecting your reputation, security and privacy. ENTERTAINMENT BANKING We take pride in our in-depth knowledge of the entertainment industry, particularly management firms. We understand the fast-paced world you live in, and the unique challenges you face. We understand that your clients are your equity capital. ONE POINT OF CONTACT Your Relationship Manager will take the time to get to know you and your individual banking needs. This personal point-of-contact is someone you can always rely on under any circumstances.

8 Spirit of California A higher standard of banking. Here we believe anything is possible. We are home to exceptional individuals, creators, innovators & entrepreneurs. Everyone has the opportunity to build their own California Dream. We re here to make it happen.

9 Investing in California Banc of California is working to redefine what it means to be a community-oriented bank by demonstrating that community isn t just based on geography, but instead based on engines of enterprise, education and homeownership, working together to lift communities up and make them stronger. That s why we have launched the Banc of California Foundation. To date, we have committed $1.5 million to support local communities. To guide our efforts, we have reached out to proven leaders with a commitment to building stronger communities through affordable housing and homeownership, financing small businesses, and financial literacy/education. Key charitable partners include LA Conservation Corps, Los Angeles Team Mentoring, Fullerton Excellence in Education Foundation, Boys and Girls Clubs, Cesar E. Chavez Foundation, Inner-City Arts, Project Access, and many more. Community Investments & Outreach Leadership Mayor Antonio Villaraigosa Senior Advisor, Banc of California, Inc. Former Mayor of Los Angeles Former Speaker, California State Assembly Eric Holoman Director, Banc of California, Inc. Chairman, CRA Committee President, Magic Johnson Enterprises Tim Chrisman Chairman, Banc of California, Inc. Former Chairman of CRA Committee of Federal Home Loan Bank of Banks Steven Sugarman CEO and Director, Banc of California, Inc. Chairman, Banc of California, N.A. Diane Summers Senior Vice President, Banc of California, N.A. Compliance Manager, CRA Officer Antonio Villaraigosa Senior Advisor, Banc of California, Inc. Former Mayor of Los Angeles Former Speaker, California Assembly

10 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, and 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.

11 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.

12 Simplicity is the ultimate sophistication. Leonardo Da Vinci Von Karman Ave, Suite 1100 Irvine, CA bancofcal.com 2013 Banc of California, N.A. All rights reserved. Equal Housing Opportunity. Member FDIC.

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