Corporate Profile for California Bank & Trust, dated March 24, 2000

Business Wire, March 24, 2000

Business Editors

--(BUSINESS WIRE)

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Published Date:   March 24, 2000

Company Name:     California Bank & Trust

Address:          11622 El Camino Real, 2nd Floor
                  San Diego, Calif. 92130

Main Telephone
 Number:          858/793-7400

Internet Home
 Page Address
  (URL)           www.calbanktrust.com

Chief Executive
 Officer:         Robert Sarver

Chief Financial
 Officer:         Dennis Uyemura

Investor Relations
 Contact:         Steven Borg
 Business number: 510/627-7955

Public Relations
 Contact:         Steven Borg
 Business number: 510/627-7955

Industry:         Banking

Trading Symbol/
 Exchange:        ZION

Company description:

Our goal is to become California's super community bank, operated with a strong commitment to local decision making and creating values through exceptional relationship banking. We believe we can offer the highest level of service available in our industry.

At California Bank & Trust, we understand that our success is based upon personal relationships. We are committed to providing a banking environment where these relationships will grow and prosper over the years.

We have a strong community focus, giving our local banking professionals the authority and the resources to provide prompt and attentive service. At the same time, our size and statewide branch network give us the strength and resources to meet our customers' expanding needs.

We are committed to creating exceptional value for our customers and staff. This commitment is reflected in our statement of core principles.

       -- We build personal relationships with our clients and offer the
     highest quality products and service.

       -- We are the most knowledgeable and experienced banking
     professionals in our markets.

       -- We work hand-in-hand with clients to add value and achieve
     quality results for them and ourselves.

       -- We have years of experience in California's diverse
     marketplace.

       -- We have the autonomy to make decisions at the local level.

       -- We have the resources to meet the financial needs of our
     individual and business clients.

Working successfully in the California marketplace necessitated understanding this diversity. That's why California Bank & Trust is organized on a regional basis, with the express purpose of keeping our professional, experienced decision-makers close to the action.

For personal banking, we provide:

       --   Checking Accounts
       --   Regular Checking
       --   Senior Checking
       --   Interest Checking
       --   Savings Accounts
       --   Certificate of Deposit
       --   IRA
       --   Money Market
       --   Loans
       --   Personal
       --   Money Reserve (Overdraft Protection)
       --   QuikCheck/ATM/Debit Card
       --   PC Banker/DirectNET Home Banking

For Business Banking, we provide:

       --   Checking Accounts
       --   Savings Accounts
       --   Money Market
       --   Certificate of Deposit
       --   Loans
       --   Real Estate
       --   Construction
       --   SBA Loans
       --   Community Development
       --   Also...
       --   Merchant Card Services
     --   DirectBusiness Electronic Banking
       --   TTAXplus Tax Payment Services
       --   Cash Management
       --   CalBank Network
       --   International Banking
       --   Wealth Management