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2
Safe Harbor
Certain matters set forth herein (including the exhibits hereto) constitute forward-looking
statements within the meaning of the Private Securities Litigation Reform Act of 1995, including
forward-looking statements relating to the Company's current business plans and expectations
regarding future operating results. These forward-looking statements are subject to risks and
uncertainties that could cause actual results, performance or achievements to differ materially from those projected.
These risks and uncertainties include, but are not limited to, local, regional, national and
international economic conditions and events and the impact they may have on us and our
customers; ability to attract deposits and other sources of liquidity; oversupply of inventory
and continued deterioration in values of real estate in California and other states where our bank
makes loans, both residential and commercial; a prolonged slowdown in construction activity; changes in
the financial performance and/or condition of our borrowers; changes in the level of
non-performing assets and charge-offs; the effect of changes in laws and regulations
(including laws and regulations concerning taxes, banking, business and consumer credit,
securities, executive compensation and insurance) with which we and our subsidiaries must comply;
changes in estimates of future reserve requirements based upon the periodic review thereof under
relevant regulatory and accounting requirements; inflation, interest rate, securities market and
monetary fluctuations; the availability and effectiveness of hedging instruments and strategies;
political instability; acts of war or terrorism, or natural disasters, such as earthquakes, or the effects of
pandemic flu; the timely development and acceptance of new banking products and services and perceived
overall value of these products and services by users; changes in consumer spending, borrowing
and savings habits; technological changes; threats to the stability and security of our
technology hardware and software, and to the stability and security of any related vendor or
customer hardware and software; the ability to increase market share and control expenses; changes in the
competitive environment among financial and bank holding companies and other financial service
providers; continued volatility in the credit and equity markets and its effects on the general
economy; the effect of changes in accounting policies and practices, as may be adopted by the
regulatory agencies, as well as the Public Company Accounting Oversight Board, the Financial
Accounting Standards Board and other accounting standard setters; changes in our organization, management,
compensation and benefit plans; the costs and effects of legal and regulatory developments including the
resolution of legal proceedings or regulatory or other governmental inquiries and the results of
regulatory examinations or reviews; our success at managing the risks involved in the foregoing
items and other factors set forth in the Company's public reports including its Annual Report on
Form 10-K for the year ended December 31, 2011, and particularly the discussion of risk factors within that
document. The Company does not undertake, and specifically disclaims any obligation to update any
forward-looking statements to reflect occurrences or unanticipated events or circumstances
after the date of such statements except as required by law. | 
