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1 Simplify your success.

2 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 deposited, projected at over $5 billion for Largest Bank Headquartered in Orange County, CA $6 Billion Assets $5 Billion 2014 Loans Originated 10,000+ Loans Funded in ,000+ Deposit and Lending Accounts Serviced 1,400+ Employees 100+ Locations in California and the West 90%+ Loans to California Borrowers Full Service Offices Lending Offices Banc of California also has home lending locations in Oregon, Idaho, Arizona, Montana, Nevada, Maryland and Virginia.

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 $6 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 funded 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 16% Multifamily 24% Commercial Real Estate 26% Commercial Real Estate 25% Other 4% Residential 30% 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 checking and savings accounts to fit the needs of all our customers, including a checking account with no minimum balance required and no monthly service charge. *International fees may apply and other financial institutions or merchants may charge you for use of their ATM or POS terminals.

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. F I N ANCIA L INS T I TUTI ONS BANK Our Financial Institutions Bank s lending, liquidity and cash solutions are sourced and stewarded by a seasoned team of professionals with a wealth of experience in asset management, corporate business development, private equity and investment banking. Each account is maintained and managed by a single Relationship Manager, ensuring continuity in partnership with advisors and their clients. In addition, we offer custom, integrated solutions which can dovetail into your existing account management, and a sophisticated technology platform and scalable products to serve virtually any financial need, regardless of its size or complexity.

7 Banc of California s Private Bank offers clients the very highest level of personal, business, 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. PRIVATE 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 business 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 communityoriented bank, lending over one dollar for each dollar deposited to California s diverse private businesses, entrepreneurs, and homeowners, financing the dreams of Californians throughout the state. With each of these transactions, we are funding the engines of growth in California s economy and strengthening its communities. And 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. Our executives and employees are volunteering, supporting fundraisers, swinging hammers, and teaching financial literacy to children and young adults. And we re finding innovative ways to give back to the community such as investing in Clearinghouse CDFI, a for-profit company that finances churches, schools and low-income housing. Through our partnerships with local universities, Banc of California is donating over 20,000 sporting event tickets to children in low-income communities, tied to financial literacy education. And on November 9, 2014, Banc of California broke the Guinness World Record for the largest ever Financial Literacy Event, with 5,964 children from at-risk communities in attendance! The Official Bank of USC Athletics Official Banking Partner of SDSU Athletics Community Investments and Outreach Leadership Antonio Villaraigosa Senior Advisor 41st Mayor of Los Angeles Former Speaker of California State Assembly Eric Holoman Chairman, CRA Committee President, Magic Johnson Enterprises Steven Sugarman CEO, Banc of California Gary Dunn Community Development Officer

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. 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 2015 Banc of California, N.A. All rights reserved. Equal Housing Opportunity. Member FDIC. BRB16W032015

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