Monterey Bay Bancorp, Inc

Monterey Bay Bancorp, Inc. was acquired by UnionBanCal Corporation on 07/01/2003. Monterey Bay Bancorp, Inc. operates as the holding company for the Monterey Bay Bank (the bank). The bank’s lending products include residential mortgage products; consumer loans; financing programs; mortgages for multi family real estate; commercial and industrial real estate loans; construction lending for single family residences, apartment buildings, and commercial real estate; and commercial loans to businesses. The bank’s deposit instruments include multiple checking products; NOW checking accounts and savings accounts; tiered money market accounts; IRAs; and an array of certificate of deposit products. Through its wholly owned subsidiary, Portola Investment Corporation, it provides life and long term care insurance; tax qualified plans; and annuities, mutual funds, and individual fixed income and equity securities. The bank also functions as a federal tax depository, sells and purchases foreign banknotes, issues debit and ATM cards, provides domestic and international collection services, furnishes trade finance services, and supplies various forms of electronic funds transfer. The bank also supports its customers through Internet banking, 24 hour bilingual (English/Spanish) telephone banking, electronic bill payment, courier service, bank by mail, night depository, and ATM access. The company conducts business from its branch offices in its primary market area in central California, one loan production office in Los Angeles, and 11 automated teller machines in Watsonville, California.