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Roll-out of (12) Southern California locations (Aliso Viejo, Encinitas, Irvine, La Jolla, Laguna Hills, Mission Viejo, San Diego, Tustin, Yorba Linda) and (6) Northern California locations (Menlo Park, Oakland, Palo Alto, San Carlos). Branch modifications included new private glass offices, teller line configurations, conference rooms and all-new finishes to reflect the concierge banking service.

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