We sum up our competitive advantages with a single phrase: The City National Difference. It starts with more than 2,000 colleagues: many have built their whole careers with us; others joined through our acquisitions of seven California banks or from the leadership of major banks that were once headquartered in our markets. As a result, City National has emerged as a private and business bank with the high-caliber people one might expect to find only at much larger banks.

City National provides a wider array of products, services and capabilities than clients find at smaller community banks -- and a higher level of individualized, responsive and results-oriented service than they usually find at the mega-banks. This City National Difference allows us to retain broad and close relationships with our clients, while expanding that base significantly each year.