Chairman's Letter

November 5, 2009

Dear Valued Customer,

The merging of systems between Affinity Bank and Pacific Western Bank will be complete on December 7, 2009. At that time you can begin to enjoy an expanded network of 68 branches throughout Los Angeles, Orange, Riverside, San Bernardino, San Diego and Ventura Counties as well as three San Francisco Bay Area locations.

Although the exterior signage is changing, rest assured you will continue to see many familiar faces on the teller line and among the officers who know and understand your banking requirements and have the local perspective and responsiveness you need.

We will convert your existing Affinity Bank account to a comparable Pacific Western Bank account. Attached you will find the following information to ensure a smooth transition:

• Quick Reference Guide which highlights the features of the Pacific Western Bank account that your account will convert to on December 7, 2009. If you prefer a different account type, please contact any branch representative who will gladly make the change. (View)
• Frequently Asked Questions where you can find useful information about your deposit accounts, ATM or debit cards, telephone banking, internet banking, etc. (View)
• Account Analysis Disclosure (for Account Analysis customers only) which fully explains our Account Analysis Program. (View)
• Schedule of Fees effective December 7, 2009. (View)
• Branch Location Listing, by county, address and phone number that you can use to conduct your banking business beginning December 7, 2009. (View)
• Deposit Account Agreement and Disclosure which provides detailed information regarding our deposit accounts. This Agreement and Disclosure will apply to all your accounts at Pacific Western Bank going forward and will supersede and replace any prior agreements or disclosures with the former Affinity Bank. (Contact branch representative for copy)
• Federal Deposit Insurance Corporation (FDIC) Reference Sheet which fully explains the deposit insurance provided by the FDIC. (View)
• Privacy Disclosure that tells you how we handle confidential information about your accounts. (Contact branch representative for copy)

We appreciate your business, trust, and continued patronage. We are committed to doing everything possible to ensure banking with us is convenient, accurate, and timely. If you have any questions, please contact your branch representative.

Sincerely,

Matthew P. Wagner
Chairman of the Board and Chief Executive Officer