The City National Difference reflects our position to capitalize on the tremendous opportunities California offers banks that focus on affluent individuals, professionals, entrepreneurs and their businesses.

Southern California, which we have served for 47 years, today counts nearly 40,000 penta-millionaires -- individuals with a net worth of more than $5 million. Southern California boasts one of the nation's richest concentrations of small businesses -- twice the national average -- and its economy is dramatically more diverse than a decade ago.

By entering the San Francisco Bay Area, the world's 18th largest and one of the fastest-growing economies, we are reaching more of the nation's most affluent zip codes, further diversifying our client base and providing our Southern California clients with a helpful link to Northern California. We thus gain a very substantial new market and the opportunity to attract Californians who seek our brand of specialized and highly personalized service and financial solutions as California's Premier Private and Business Bank.

DILUTED EARNINGS PER SHARE ($)	AVERAGE ASSETS ($ billions)