Ventura County
		Population 745,063 Average Household Income $75,244 Number of Businesses 31,385 Major Industries: Business Services, Manufacturing, Construction, Biotechnology, Agriculture

Strategies for Continued Growth

City National's goal is to continue to generate consistent, quality earnings growth to build shareholder value. In support of that goal, the colleagues of this organization are paid for performance and held accountable to detailed individual goals, as well as clear company-wide objectives and values.

Over the long term, we aim for double-digit growth of our net income and continued growth in earnings per share, while carefully managing our credit, minimizing operational and business risks and investing for the future. Following are six initiatives we are emphasizing to reflect and enhance The City National Difference:

1) Broaden Relationships with Clients. City National strives to provide an ever-widening array of financial products and services to its existing private and commercial banking clients -- and to attract meaningful numbers of significant new clients. We invest not only in maintaining and expanding relationships with our clients, but also in new services, products, colleagues and capabilities. We deploy extensive, targeted and multi-layered efforts to attract and retain clients.

We apply the latest in technology to supplement, not supplant, our personal relationships with our clients. Among California banks of our size, we believe City National was the first to offer an account aggregation service. With the launch of this service in 2001, our clients can review online, in one place, all of their personal online-enabled financial, investment and travel accounts held inside or outside City National.