THE PACIFIC WEST BANK PHILOSOPHY

"The Pacific West Bank Philosophy" is the combination of our mission statement and our core values as an organization.

We will grow and prosper, building long-term relationships based on top quality service, high ethical standards, and safe, sound assets.

"We will grow and prosper..."

• "We" refers to our functioning as a team.
• Our mission includes personal growth as well as corporate earnings growth.
• Prosperity is also essential, both as the foundation for growth and to meet shareholder expectations.

"...building long-term relationships..."

• Important relationships include those with each other, our customers, our shareholders, and our communities.
•  Our business is based on relationships rather than individual transactions.
• We look beyond the immediate situation in our relationships.

"...based on top quality service..."

• We deliver more value than the customer expects.
•  We offer timely product innovations.
•  We are passionate about continually improving our service.

"...high ethical standards..."

• We do what we think is right, rather than merely doing what the policies and procedures require or allow.
•  This is a standard we impose on each other.
• We apply this standard in all our relationships: with each other, our customers, our shareholders, and our communities.

"...and safe, sound assets."

• We assess character first.
•  We are conservative in managing operating, credit and market risk.
• We take a long-term view, emphasizing asset quality.

FOR EACH OTHER

• We keep our word.
• We resolve conflicts early.
• We all maintain an "open door" policy.
• We deliver bad news face to face.
•  We recognize that our behavior off the job also reflects on the Bank.
•  We understand that technical competence is no substitute for personal character.

FOR OUR CUSTOMERS

• We do what is right.
• We keep our word.
• We avoid conflicts of interest.
• We rigorously protect their confidentiality.
• We don't use information about them for our own advantage.
• We deliver bad news face to face.
• We keep all channels of communication open.

FOR OUR SHAREHOLDERS

• We do not compromise our principles for quarterly earnings.
•  We apply consistently conservative accounting policies.
• We are completely open with both internal and external auditors.
• We maintain a deliberately conservative corporate "lifestyle."

TOWARD EACH OTHER

•  We are givers, not takers. 
• We treat each other with dignity and respect. 
• We claim no special privileges with each other. 
• We do not "trash can" anyone. 
• We remain committed to each other when we face difficulty.

TOWARD OUR CUSTOMERS

•  We make it easy for them to do business with us. 
• We treat everyone with dignity and respect. 
• We make their needs more important than ours. 
• We remain committed to a relationship when they face difficulty. 
• We keep their assets safe. 
• We refer additional business to them. 
• We help them find new resources if they outgrow us.

TOWARD OUR SHAREHOLDERS

•  We protect the value of their investment. 
• We communicate with them openly.

TOWARD OUR COMMUNITIES

•  We focus on real social and civic needs, rather than corporate recognition. 
• We provide consistent, long-term support. 
• We get involved whenever the community needs help. 
• We encourage volunteerism by our employees. 
• We do not play politics in our commitments.

For EACH OTHER

•  We share our experience and mentor each other.
•  We give each other timely and well-considered responses.
•  We constantly improve our performance through continuous learning.
•   We are all personally committed to getting the job done.

For OUR CUSTOMERS

•  We deliver outstanding value.
•   We make deliberate efforts to understand their needs and values.
•   We exceed their expectations through extraordinary customer service.
•   We give timely and well-considered responses to any request.
•   We deliver accurate and timely processing of accounts.
•  We provide continuity through the longevity of our staff.
•  We relate to them as a team.

For OUR SHAREHOLDERS

• We deliver sustained superior financial performance.