A N N U A L R E P O R T

2014

2 | 2014 REPORT

M I S S I O N S TAT E M E N T

Exchange Bank’s mission is to provide for the broad financial service needs of the communities that we serve, in a socially responsible manner that creates the foundation for the mutual growth and financial success of our clients, shareholders, employees and community.

V I S I O N S TAT E M E N T

With a community focus, the employees of Exchange Bank will continue to enhance our legacy as one of the premier community banks in California based upon strong financial performance, excellent customer service and a commitment to our communities and our employees.

C O R E VA L U E S

CommitmentExchange Bank’s legacy is one of financial leadership and community support, which we will continue through responsiveness to the needs of our customers and communities. As a public company, we strive for an attractive long-term return for our shareholders, act as a responsible community citizen and demonstrate leadership in local business and community circles. We support our communities with our money, time and talent.

RespectWe value the diversity of our customers, employees and communities. We believe that everyone is entitled to be treated with fairness and respect. We encourage our employees to think independently, act resourcefully, and are charged with the responsibility of representing our values within the organization and in the community.

IntegrityOur business is grounded in trust. We are committed to acting with the highest standards of personal, professional and organizational integrity and character.

TeamworkTogether, we are stronger and wiser than any of us individually. We foster a spirit of enthusiasm, professionalism, engagement and fun while working together in pursuit of common goals. We are known as people who care about our customers, our company, our communities and one another.

2014 REPORT | 3

The Board of Directors recognizes and appreciates Bill Reinking’s lifetime commitment to Exchange Bank and to Sonoma County. In 2014, the Montgomery Village branch was renamed the Reinking branch and dedicated in his honor.

Bill held many positions throughout the Bank in his 50-year tenure. Most notably as President and CEO from 1986 – 2002 and Chairman of the Board from 2002 – 2014 , retiring with the position of Chairman Emeritus in 2014.

Both Bill and his wife M-L contributed their time, talent and treasury to many non-profit organizations throughout Sonoma County. The organizations they impacted are too numerous to mention, but their dedication has changed the lives of so many.

The Board of Directors and all of the employees at Exchange Bank thank Bill for his leadership, service and commitment to our community.

I n D E D I C AT I O n T O C . W I L L I A M R E I n k I n g

C. William (Bill) and Mary-Louise (M-L) Reinking

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L E T T E R T O O U R S H A R E H O L D E R S

Dear Shareholders:

On May 1, 2015 we will celebrate our 125th anniversary of service to our community. When Exchange Bank opened its doors for business in 1890, the City of Santa Rosa was a prosperous community, serving as the marketing and service center of the Redwood Empire. The Bank opened in a modest structure on Fourth Street and served as one of only five banks operating in Santa Rosa. There were three deposits made on that first day of operation; two of which were made by Manville and Frank Doyle.

Today we have over 400 dedicated employees and total assets in excess of $1.8 billion. As we look ahead to 2015 and beyond, we celebrate our legacy, but today we must focus on our future.

During 2014, there was a significant change within the leadership of Exchange Bank. C. William Reinking retired as Chairman of the Board after fifty years of dedicated service to the Bank. Bill Reinking and his father Charles Reinking, the Bank’s third president, gave 92 years of combined service to the Bank, its employees, and the community. We recognize with sincere appreciation that our success today is built on the foundation of their vision and leadership. In this year of celebration we would like to thank Bill, his wife Mary-Louise (M-L), and the Reinking family.

We are very proud to report that our company delivered exceptional financial results while significantly improving the credit quality of our loan portfolio. The Bank achieved growth and profitability through another year of record low interest rates and intense competition. We finished 2014 with strong deposit and loan growth. We grew deposits by 6% and loans by 8%, while maintaining our high standards of credit quality.

During this milestone year, there were many accomplishments achieved in 2014:

•���Increased�profitability

•���Strong�growth�in�core�deposits�and�loans

•���Solid�improvement�in�credit�quality

•���Redemption�of�all�residual,�outstanding preferred shares

•���Increase�in�the�common�shareholder�cash�dividend

•���The�introduction�of�a�new�era�in�retail�delivery, our Branch of the Future design.

given the continued headwind of an extraordinarily low interest rate environment, we are proud of the financial performance achieved by the Bank in 2014. net income increased from $15.7 million in 2013, to $17.7 million in 2014, an increase of approximately 13%. This level of earnings allowed the Bank to achieve a return on average assets of 0.99%, and a return on average equity for the year of 11.05%. The improvement in earnings was attributable to strong loan growth of 8%, or $91 million, core deposit growth of $91 million, and reduced loan loss provisioning of $2.5 million.

There are three distinct areas we can point to that contributed to the Bank’s solid financial performance during 2014:

First, the Bank’s improved earnings are the direct result of strong loan growth funded by low yielding core deposits, which in turn led to an increase in net interest income of $4.0 million, resulting in an increased net interest margin. This is the first increase in the Bank’s margin since 2010. Contributing to this expansion in margin has been the redeployment of very liquid and low yielding investments into higher yielding loans. It is significant to note that this loan growth was achieved without compromising the Bank’s credit quality or taking on extended interest rate risk during this period of historically low interest rates.

Second, control over operating expenses led to an increase of less than 1% in operating expenses during 2014. Discipline in controlling expenses was driven by our improved credit quality. A significant improvement in the credit quality of the Bank’s loan portfolio led to a substantial reduction in provision for loan loss reserves and other credit and OREO related expenses. Asset quality continues to improve as many of our customers have seen an upgrade in their performance, ultimately resulting in a net recovery of prior charged-off loans.

Third, after years of gradual improvement, the Bank has, for the most part, completed the repair of the credit quality of its loan portfolio during 2014. non-accrual loans decreased to $12.0 million, or 1.0% of total loans at December 31, 2014, from $29.7 million, or 2.63% of total loans at December 31, 2013. Contributing to the Bank’s increase in net interest income was a pickup of approximately $750 thousand in increased interest income recognized in 2014 as a result of a significant reduction in delinquent loans classified as non-accrual. The impact of dramatically improved credit quality surfaced in almost every area of the Bank’s operations.

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L E T T E R T O O U R S H A R E H O L D E R S

The most visible example is in the Bank’s provision for loan loss, which declined from $2.5 million in 2013 to $0 in 2014. As a result of the significant improvement in asset quality, and zero net loan losses, the Bank did not make any provision for loan loss in 2014; however, we continue to maintain a prudent ratio of loan loss reserves to total loans of 3.08%.

As a result of the robust level of core earnings and strength of liquidity generated by growth in core deposits of $91 million, the Bank successfully retired the final $9.15 million of preferred shares formerly known as TARP capital in the first quarter of 2014. What began as a $45 million obligation from the government as part of the Capital Purchase Program, we are pleased to report that as of February 14, 2014, we retired the remaining balance of the preferred shares, completing our obligation to pay back the capital we received to help us weather the economic recession. Even with the reduction in preferred shares, our capital levels remain strong and above all current regulatory requirements, including those proposed in the phase-in of the BASEL III capital standards.

With regard to our dividend, due to continued improvement in earnings, capital, and asset quality, the Bank’s Board of Directors approved three increases in the level of dividends being paid to common shareholders, and as a result, the quarterly dividend rose from $.30 per share by the end of 2013, to $.45 per share by the fourth quarter of 2014.

During 2014, we opened a new era in our retail delivery channel by upgrading our Windsor and Cotati branches to our new Branch of the Future design. Most of our branches were built many years ago around a design to facilitate accepting deposits and cashing checks; these types of routine transactions are declining. To address this change, we have begun a branch transformation with a design that facilitates a more personalized one-on-one interaction with our customers. The traditional teller line barrier between the customer and banker has been removed to enable a superior customer experience. This allows our employees to engage

with our customers and provide a seamless, full-service experience.

There is still an overwhelming focus on finding ways to enhance the branch experience rather than eliminate it. Even as mobile and other self-service channels are leveraged for simple transactions, there will always be a need for the face-to-face interaction afforded in the branch. Branches still account for the majority of all new banking relationships, as customers still want a personal relationship with their financial institution.

Mobile banking is becoming one of the fastest growing delivery channels in the banking industry. The reality is that mobile channels will be a key component of the Branch of the Future. We will continue our investment in mobile banking technologies such as remote deposit capture and money transfers, but we will not lose sight that knowledgeable and competent bankers is what makes the difference today and in the future.

We remain fully committed to adapting our service model to meet the changing needs of our customers.

Exchange Bank is committed to using new technologies to deliver our banking services. Innovations from image enabled ATMs, online banking, electronic bill pay, remote deposit capture, and mobile banking have made money management more convenient and provided customers with 24-hour access to their accounts. We have adopted new advancements in mobile phone technology. Customers can now use a smartphone bank “app” to take a picture of a check and make a deposit anytime, anywhere. We have leveraged this emerging technology to better serve our customers.

Regardless of the method used by Bank customers to access their accounts, we expend considerable resources protecting customer accounts from

“ Today we have over 400 dedicated employees and total assets in excess of $1.8 billion. As we look ahead to 2015 and beyond, we celebrate our legacy, but today we must focus on our future.”

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L E T T E R T O O U R S H A R E H O L D E R S

unauthorized access and fraud. We have robust security programs in place to prevent unauthorized or covert use of customer information and intrusion detection systems to monitor our network inquiries and activity. Our main objective is protecting customer account information and ensuring the security and confidentiality of this information against unauthorized access to, or use of, customer information.

Exchange Bank plays a critical role in the health and prosperity of our local economies. We have helped our communities grow and prosper, directly contributing to the economic vitality by providing capital for business expansion, job creation, and helping individuals create wealth. Exchange Bank’s success depends on that of our customers and the communities we serve.

For 2015, we see business investment spending being a catalyst of growth. This may fuel strong loan demand as companies take advantage of low interest rates to invest in plant and equipment. Additionally, a return of wealth and low levels of consumer debt will result in stronger consumer spending. Steady job creation, lower unemployment rates, and higher equity and home values will also improve consumer confidence in California.

In recognition of our employees’ exceptional work and dedication, and the commitment of our customers, we are proud to report that once again we have been recognized as one of Sonoma County’s “Best Places to Work” and “Best Business Bank.” In 2014 we were also the recipient of a “Corporate Philanthropy Award” and “Best Architectural Award” for our Branch of the Future design in Windsor.

The Bank’s founders, Manville and Frank Doyle, were true visionaries who believed deeply in this community. Today, we carry-on their mission by being a community partner with our time, talent, and treasury. In 2014, we contributed to over 300 charitable organizations throughout Sonoma and Placer counties. Our dedicated employees continue to give back to our community with a commitment to thousands of volunteer hours annually to make this community a better place to live and work.

On behalf of our employees and Board of Directors, we sincerely thank you for your commitment and confidence you have placed in Exchange Bank.

Sincerely,

William R. Schrader Chairman of the Board

Gary T. Hartwick President and Chief Executive Officer

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B O A R D O F D I R E C T O R S

E X E C U T I V E O f f I C E R S

B O A R d O f d I R E C T O R S

Front row from left to right: Richard W. Abbey, ESQ. – Abbey, Weitzenberg, Warren & Emery • Gary Hartwick, President and CEO – Exchange Bank • Daniel G. Libarle, President – Lace House Linen Supply, Inc.

Back row from left to right: James M. Ryan, President – Ryan Mortgage Company, Vice Chairman of the Board – Exchange Bank, Trustee – Frank P. Doyle Trust • Steve Dutton, President/Co-owner – Dutton Ranch Corp. William R. Schrader, Chairman of the Board – Exchange Bank • Marlene K. Soiland, President and Chief Executive Officer – Soiland Management Company, Corporate Secretary – Exchange Bank Bruce DeCrona, Retired Banker • Carlos G. Tamayo, Chairman of the Board – La Tortilla Factory • Dante B. Benedetti, Chairman of the Board – Clover Stornetta Farms, Inc., Trustee – Frank P. Doyle Trust

Greg Jahn EVP, Chief Financial Officer

Howard daulton SVP, Corporate and Business Development Manager

Brad Hunter SVP, Chief Risk Officer

Mark Crawford EVP, Chief Credit Officer

Tony Ghisla SVP, Senior Lending Officer

Gary Hartwick President and CEO

8 | 2014 REPORT

F I n A n C I A L S

CO N S O L I d AT E d B A L A N C E S H E E T SEXCHAngE BAnk AnD SUBSIDIARIES

– Unaudited –

December 31, 2014 and 2013(In Thousands, except share and par value amounts)

ASSETS 2014 2013

Cash and due from banks $ 97,016 $ 86,732Short-term investments 227 227

Total cash and cash equivalents 97,243 86,959

Interest-bearing deposits in other financial institutions 52,000 23,500Available-for-sale investment securities 437,427 460,374

Loans and leases 1,221,951 1,130,550Less allowance for loan and lease losses (37,653) (36,946)

Net loans and leases 1,184,298 1,093,604

Federal Home Loan Bank stock 8,962 7,490Bank premises and equipment, net 16,232 16,071Bank owned life insurance 36,125 35,057Other real estate owned 2,544 6,523Accrued interest receivable and other assets 52,849 53,825

Total assets $ 1,887,679 $ 1,783,403

LIABILITIES AND STOCKHOLDERS’ EQUITY

Deposits: non-interest bearing $ 617,410 $ 567,877 Interest bearing 1,050,990 1,009,104

Total deposits 1,668,399 1,576,981

Federal Home Loan Bank advances and other long-term debt 22,000 24,000Accrued interest payable and other liabilities 37,206 27,412

Total liabilities 1,727,605 1,628,393

Commitments and contingenciesStockholders’ equity: Preferred stock, 1,000,000 shares authorized: Series A, noncumulative, $1,000 per share liquidation preference; 0 shares and 7,000 issued and outstanding as of December 31, 2014 and 2013 7,000 Series B, noncumulative, $1,000 per share liquidation preference; 0 shares and 2,150 shares issued and

outstanding as of December 31, 2014 and 2013 2,150 Common stock, $2.50 par value; 3,000,000 shares authorized; 1,714,344 shares issued and outstanding 4,286 4,286Additional paid-in capital 46,026 46,026Retained earnings 112,532 97,617Accumulated other comprehensive loss, net of taxes (2,770) (2,069)

Total stockholders’ equity 160,074 155,010

Total liabilities and stockholders’ equity $ 1,887,679 $ 1,783,403

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F I n A n C I A L S

CO N S O L I d AT E d S TAT E M E N T O f O P E R AT I O N SEXCHAngE BAnk AnD SUBSIDIARIES

– Unaudited –

For the years ended December 31, 2014 and 2013(In Thousands, except per share amounts)

2014 2013

Interest income: Interest and fees on loans and leases $ 56,953 $ 54,669 Interest on investment securities: Taxable 7,328 6,043 Exempt from Federal income taxes 1,781 2,304

Total interest income 66,062 63,016

Interest expense: Interest on deposits 1,504 1,771 Interest on borrowings 1,007 1,692

Total interest expense 2,511 3,463

Net interest income before provision for loan and lease losses 63,551 59,553

Provision for loan and lease losses 2,500

Net interest income after provision for loan and lease losses 63,551 57,053

non-interest income: Service charges and fees 6,444 7,117 Trust income 5,860 5,153 Merchant discount and interchange fees 4,137 4,119 Income from bank owned life insurance 1,343 2,778 Other income 3,214 3,715

Total non-interest income 20,999 22,882

non-interest expense: Salaries and employee benefits 29,839 31,348 Occupancy and equipment 6,720 6,586 Professional fees 6,666 6,819 gain on sale of other real estate owned (292) (2,006) FDIC assessments 1,307 1,350 Other expenses 12,038 11,890

Total non-interest expense 56,277 55,987

Income before provision for income taxes 28,272 23,948

Provision for income taxes 10,563 8,219

Net income $ 17,709 $ 15,729

Basic and diluted earnings per common share1 10.25 8.60Simple earnings per share2 10.33 9.18

1 Earnings per share is computed by dividing net income, less preferred stock dividends, by the weighted average number of shares outstanding during the year.

2 Simple earnings per share is computed by dividing net income by the weighted average of shares outstanding during the year.

Total average shares outstanding for both 2014 and 2013 was 1,714,344.

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B R A n C H O F T H E F U T U R E

Bank branches have historically been the front line of the customer banking relationship. Customers now have many options to choose from when it comes to ways to bank. But, the era of branch banking is far from over. Rather than compete with online mobile channels, branches have become part of an integrated customer experience that spans all banking channels.

In May of 2014 we opened our first Branch of the Future at our Windsor office.

The branch offers the comfort and knowledge of friendly, face to face customer interactions that online channels cannot replicate. Customers still prefer in person consultation for major financial decisions such as loans, mortgages and investments. A 70 inch electronic vision wall promotes bank products

The Br anch o f The fuTure

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1 golden gate Bridge – Wall Art 2 no Envelope, Image ATM3 Childrens Technology Area4 Windsor Lobby

5 Customer Patio6 Digital Vision Wall7 Windsor Branch – grand Reopening (May 27, 2014)8 Interactive Information Center

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WINdSOR Branch of the Future

B R A n C H O F T H E F U T U R E

and shows community event information. Customers also have access to in-house Wi-Fi connectivity, fresh brewed coffee, and a patio to meet with a banker or a friend. Teller lines were replaced with cash bars, where Universal Bankers conduct bank transactions, sales and consult with customers side by side.

The branch also incorporates banking automation technologies, including an envelope-free, image enabled ATM, cash recyclers that maximize space and improve efficiency and security, an interactive information center, “Ask Frank”, where customers can look up bank products and services. Soon, customers will be able to print and takeaway only the brochure material that they want or need.

Ultimately, the branch design and technology can only contribute so much to a customer experience. Relationship building requires face-to-face customer service. Our greatest asset is our employees, they are the relationship builders.

The Br anch o f The fuTure

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12 | 2014 REPORT

E X C H A n g E B A n k O F F I C E R S

EXECUTIVE OffICERSWilliam R. Schrader Chairman of the BoardGary Hartwick President and Chief Executive OfficerMark Crawford Executive Vice President and Chief Credit OfficerGreg Jahn Executive Vice President and Chief Financial OfficerHoward Daulton Senior Vice President and Corporate and Business Development ManagerV. Anthony Ghisla Senior Vice President and Senior Lending OfficerBrad Hunter Senior Vice President and Chief Risk Officer ACCOUNTINGShauna R. Lorenzen Vice President and ControllerStacy McKee Accounting Operations Supervisor

APPLICATION SUPPORTLinda G. Wilson Assistant Vice President and Application Support Manager Diane Bogges Assistant Vice President and Application Support Analyst IIScott Shusda Application Support Analyst II BRANCH BANKINGRolf Nelson Senior Vice President and Retail Banking ManagerBeth Ryan Vice President and Retail Banking Officer BUSINESS BANKINGJim Cooney Vice President and Business Banking ManagerJoseph Carbonaro Vice President and Business Banking OfficerPaul Garayalde Vice President and Business Banking SupervisorColleen Oller Vice President and Real Estate UnderwriterWilliam A. Deedy Assistant Vice President and Business Banking OfficerRachel Brogdon Business Banking OfficerTerrie King Business Banking OfficerAntonio Uribe Business Banking Officer CENTRAL SERVICESSherri Tregaskis Assistant Vice President and Central Services ManagerDenise Bridgeman Bank Officer

Nicole Werstler Central Services Operations ManagerRobert J. Wright IRA Specialist

COLLECTIONSGerry Savela Operations Supervisor COMMERCIAL BANKING Steve Herron Senior Vice President and Commercial Banking ManagerSarah Davies Vice President and Commercial Loan OfficerJason Hinde Vice President and Commercial Loan OfficerCody L. Radelfinger Vice President and Commercial Loan OfficerTina Sheldon Vice President and Commercial Loan OfficerTravis Moncada Commercial Loan Officer CONSTRUCTION ANd MORTGAGE LENdINGLouise Mason Senior Vice President and Real Estate Loan AdministratorDouglas Angelo Vice President and Real Estate Loan OfficerWynn Spain Vice President and Real Estate Loan OfficerMarianne Powers Real Estate Loan Officer CONSUMER LOANSLori DeCosta Vice President and Consumer Loan ManagerPatty Brookins Assistant Vice President and Consumer Loan OfficerDenise Tait Consumer Loan Officer CREdIT AdMINISTRATION Ed Gomez Senior Vice President and Credit AdministratorJustin Hubbs Vice President and Credit Risk ManagerGlenna D. Davidson Assistant Vice President and Commercial Credit Risk OfficerMegan Edwards Senior Commercial Real Estate AppraiserMary Kilmer Credit Administration SupervisorDelia McGurk Commercial Credit Risk Officer CUSTOMER CARE CENTERStacy Small Assistant Vice President and Customer Care Manager

ELECTRONIC BANKINGByron D. Webb Vice President and Electronic Banking ManagerMary Beseda Assistant Vice President and Merchant Sales OfficerDona Vercelli-Godwin Merchant and ATM Services Operations Manager

EXCHANGE BANK LEASINGKenneth G. Taylor Vice President and Leasing General ManagerTimothy Taylor Leasing Assistant ManagerArchie W. Julian Broker Relations Officer fACILITIES ANd PURCHASINGSue Maddigan Assistant Vice President and Facilities and Purchasing Manager HELP dESK Bren Hanson Help Desk Manager HUMAN RESOURCESLori Zaret Senior Vice President and Chief Human Resources OfficerElizabeth Huang Assistant Vice President and Compensation and Benefits ManagerRobyn Hettrich Senior HR Business PartnerRandy Ferino HR Business Partner LEARNING ANd dEVELOPMENT Ann Hudson Vice President Learning and Development DirectorErin Williams Learning and Development Manager

LOAN SERVICE CENTERCarie A. Fletcher Vice President and Loan Service Center ManagerDonna Smith Assistant Vice President and RE Closing and Disbursement SpecialistSylvie G. Beers Loan Documentation Supervisor MARKETINGCarrie L. Brown Vice President and Product ManagerSally J. Traughber Assistant Vice President and Marketing Services Manager RISK MANAGEMENT/AUdITINGCarolyn M. Fulton Vice President and Credit Compliance ManagerRandy Hong Vice President and Information Security Officer

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E X C H A n g E B A n k O F F I C E R S

Michael J. Leonard Vice President and BSA and Security OfficerCyndi Perez Vice President and Deposit Compliance and Operational Risk ManagerMary Jo Farrington Assistant Vice President and Audit Manager ROSEVILLE COMMERCIAL BANKINGAndrew T. Ware Senior Vice President and Commercial Banking Regional ManagerTerrance Flynn Vice President and Real Estate Loan Officer Geofry Fong Vice President and Commercial Loan OfficerMaxwell Comerford Senior Credit Analyst SALES ANd BUSINESS dEVELOPMENTJohn Meislahn Vice President and Sales and Business Development Manager Michael Arendt Vice President and Business Development OfficerBrian Kilkenny Vice President and Business Development OfficerRon Malnati Vice President and Business Development Officer Kenn Cunningham Assistant Vice President and Sales OfficerSteven Shira Regional Business Development Officer SMALL BUSINESS AdMINISTRATIONSherrill J. Stockton Senior Vice President and Small Business Administration ManagerBradley Abel Vice President and Small Business Administration Business Development OfficerRichard Carlson Vice President and Small Business Administration Business Development OfficerScott A. Dykstra Vice President and Small Business Administration Business Development OffiicerRon Valladao Vice President and Small Business Administration Business Development Offiicer

SPECIAL ASSETSJerry Gamboa Vice President and Special Assets ManagerJeffrey Owen Vice President and Special Assets Officer Christy Qabazard Assistant Vice President and Special Assets Officer TECHNICAL SERVICESRichard Lewis Senior Vice President and Chief Information OfficerJane Daniel Assistant Vice President and Project Portfolio Manager

Brian Davidson Assistant Vice President and Core System Support ManagerDaniel Seletzky Assistant Vice President and IT Manager TRUST ANd INVESTMENT MANAGEMENTSteven T. Jenkins, CTFA Senior Vice President and Managing Director of Investment and Fiduciary ServicesDiana Angell Vice President and Personal Trust OfficerLinda Burille Vice President and Personal Trust OfficerMatthew Kelman Vice President and Institutional Trust Fiduciary ManagerDavid S. Rapoport Vice President and Employee Benefit Trust OfficerScott N. Sacchi Vice President and Personal Trust Fiduciary ManagerEmily Menjou Assistant Vice President and Personal Trust OfficerDenise J. Palmer Assistant Vice President and Investment OfficerElisabeth Pellegrini Assistant Vice President and Trust Operations OfficerSusan Preston Assistant Vice President and Employee Benefit Trust OfficerToni Elordi Personal Trust OfficerRenee Pilkenton Trust Resource Officer BRANCH MANAGERS ANd OffICERS

Santa Rosa Main Office John Matli Vice President and Branch Manager

Bennett Valley Andrea Lifto Branch Service Manager

Cloverdale Patti Mannatt Vice President and Branch Manager

Coddingtown Joseph Huang Vice President and Branch Manager

College Joseph Huang Vice President and Branch Manager

Cotati Tracy Berg Branch Service Manager dutton Carmen R. Garcia Vice President and Branch Manager

Healdsburg Mark L. Decker Vice President and Regional Sales ManagerPatti Mannatt Vice President and Branch ManagerCassandra Zorn Assistant Vice President and Regional Customer Service ManagerCody Baker Premier Banker

Larkfield Eugene Patterson Assistant Vice President and Branch Manager

Parkway Plaza Edie M. Cheda Vice President and Branch Manager

Petaluma Main Rick Mossi Vice President and Regional Sales ManagerRick T. Gorman Vice President and Branch ManagerAllison Kalpakoff Assistant Vice President and Regional Customer Service ManagerCherie Chipman Regional Premier Banker

Reinking Stephen R. Schofield Vice President and Regional ManagerKhamfone Sisavath Customer Service Manager

Rohnert Park Jim Curry Vice President and Branch ManagerKelly Dibblee Assistant Vice President and Customer Service Manager

Sebastopol Dorothy Rodella Vice President and Branch Manager

Sonoma Becky Elster Vice President and Branch Manager

St. francis Amy Bravin Branch Manager

Stony Point Dana O’Halloran Assistant Vice President and Branch Manager

Windsor Laura Buhrer Vice President and Branch Manager

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A W A R D S A n D A C C O L A D E S

2 0 1 4 A W A R d S A N d A C C O L A d E S

Best Bank Press Democrat

north Bay Bohemian

Best Local Bank Peoples Choice Awards – Petaluma 360

Best Business Bank north Bay Biz

Best Places to Work north Bay Business Journal – 9th Consecutive Year

2014 Corporate Philanthropy Recipient

2014 Top Project in Sonoma County Recipient (Awarded for Windsor Branch of the Future)

2014 Healthiest Companies Award

EXCHANGE BANK MARKET MAKERS:

Andy SchexnaydreFinancial West Group850 3rd St., Suite 1Santa Rosa CA 95404707.575.6932

Tom RayFinancial West Group850 3rd St., Suite 1Santa Rosa CA 95404707.575.1281 ext. 18

Equal Opportunity Employer exchangebank.com