Inland Empire
		Population 3,201,000 Average Household Income $52,238 Number of Businesses 99,340 Major Industries: Transportation, Construction, Health Services, Education, Business Services

Our next major online product planned for 2001 is the Internet-based foreign exchange services. We are building these state-of-the-art services onto our City National eLink^SM online platform. In 2000, we enriched this platform with online discount brokerage services and Internet-based cash management functions. Our clients now can go online for financial services such as account review or bill payment, and their employees also can go online to review and modify their City National-administered 401(k) investments.

2) Increase the Number of Top-Tier Client Relationships. As always, we are intently focused on growing the most attractive segment of our client base. This objective drives many of our most visible initiatives: the opening of our nine full-service regional banking centers; our extensive and diversified marketing activities; the enhancement of our sales culture; and our continued development of new products such as enhanced cash management capabilities, feature-rich support of international trade -- and our expanding emphasis on private banking and wealth management.

In addition to new services that meet specific client needs, we continually evaluate and improve City National office locations so we can more effectively reach our clients and prospects in California. For example, our new Palo Alto office, which we opened late in 2000, positions us near extraordinarily large numbers of potential private banking and business clients in the Silicon Valley, while complementing our San Francisco and Burlingame offices.