Disclaimer

This presentation does not constitute an offer to sell or the solicitation of any offer to buy interests in American Pacific Bancorp (“APB”). An investment in APB involves significant risks, including the loss of the entire investment. Restrictions apply to transfers and withdrawals of shares in the offering. Before deciding to invest in any offerings, prospective investors should read any future offering document and pay particular attention to the risk factors contained within. Prospective investors should make their own investigation and evaluation of the information contained in this presentation. Each prospective investor should consult their own attorney, business adviser and tax adviser as to legal, business, tax and related matters concerning the information contained herein. Certain information contained in this presentation constitutes “forward-looking statements,” which can be identified by the use of forward-looking terminology such as “may,” “will,” “should,” “expect,” “anticipate,” “target,” “project,” “estimate,” “intend,” “continue” or “believe,” or the negatives thereof or other variations thereon or comparable terminology. Readers are cautioned not to place undue reliance on these forward-looking statements. APB does not undertake any obligation to publicly release the result of any revisions to these forward-looking statements to reflect events or circumstances after the date hereof to reflect the occurrence of unanticipated events. Due to various risks and uncertainties, actual events or results may differ materially from those reflected or contemplated in such forward-looking statements. Certain information contained in this presentation is based on or derived from information provided by independent third-party sources. APB believes that such information is accurate and that the sources from which it has been obtained are reliable. APB cannot guarantee the accuracy of such information, however, and has not independently verified the assumptions on which such information is based. This presentation is being provided on a confidential basis. Accordingly, this presentation may not be reproduced in whole or in part and may not be delivered to any person without the prior written consent of APB. Past performance is not indicative of future results.