PRIVATE

BANKING

“I come to my banker with an idea, and the bank
helps make it a reality.”
C H R I S K E L LY
Founder, Kelly Investments
Former Chief Privacy Officer, Facebook
I T ’ S A P R I V I L E G E TO S E RV E Y O U
First Republic Bank is
a client-focused private bank
specializing in wealth creation
and management.
Do you ever say you love your bank?
At First Republic, we think it’s a reasonable goal to be really happy with the
service you receive at your bank. That’s because we build our business one
relationship at a time, with highly personalized service, customized solutions
and quick responses.
We’d welcome an opportunity to discuss how our commitment to
extraordinary customer service can make a meaningful difference to you.
The Bank and our wealth management subsidiaries offer a broad array of
financial and private banking services – from checking accounts with free access
to more than 800,000 ATMs worldwide to online and mobile banking; from
extensive business banking services to comprehensive trust and investment
management; from free bill pay to asset allocation. And the list goes on.
At First Republic, our goal is to change the way you feel about banking.
It would be a privilege to serve you.
relationship banking
Relationship Management
At First Republic, a Relationship Manager works
directly with each of our clients and directs
a seamless flow of activities with the Bank.
This Relationship Manager provides direct
access to all bank functions and coordinates
communications and information. Relationship
Managers at First Republic do just that: build
long term relationships with our clients. And
isn’t it just safer and more productive to bank
with a banker who knows you?
At the foundation of our service model is a
highly connected team of sales, operations
and support personnel that is universally
committed to the goal of exceptional service.
This commitment is evidenced through a
consistently client-friendly approach to our
business and an unwavering desire to exceed
client expectations.
We build our business
one relationship at a time.
We always strive to understand client needs
and to present products and solutions that
meet those needs. And we never forget the real
source of our success. We exist because of our
clients and continually work to retain their
loyalty and trust.
What makes us distinctive?
• We have an “advise not sell” culture. Clients
come first, not products.
• We offer full service banking on both coasts,
including Free Online Banking and Bill Pay,
as well as a checking account with free access
to over 800,000 ATMs worldwide that even
rebates access fees charged by other banks.
• We believe in frequent, personal contact.
• We keep financial safety and privacy at
the forefront.
• Our primary source of new clients is referrals
from satisfied existing clients.
deposit services
At First Republic, we believe in flexibility. We
offer a full line of deposit accounts – from
checking to money market, passbook savings
and certificates of deposit. Whatever your
deposit goals – accessibility, stability or yield –
we have the right accounts for you.
We also provide foreign currency drafts, interna-
tional wire transfers and a Passport Travel Card.
And at First Republic, you can choose how to
bank with us. A Relationship Manager is always
available to you and you are also welcome
to visit our Preferred Banking Offices which
provide a warm, inviting environment for your
banking needs. In our offices, you will sit down
with an experienced personal banker who gets
to know you and your preferences and has the
authority to meet your needs...now.
Other options, of course, include banking by
phone, mail, and courier or via the Internet or
Mobile Banking. We’ve even been known to
bring the bank to you at your home or office
on occasion, for a timely transaction or perhaps
to perform a free security health check for
your computers.
Free ATM Access Worldwide
Why pay money to use an ATM? First Republic
Private Banking clients use virtually any ATMs –
anywhere! – for free. With ATM Rebate
Checking*, our clients pay no ATM access fees
at ATMs worldwide. We even rebate access fees
charged by other banks. And that means you get
free access to over 800,000 ATMs domestically
and abroad. And while we’re on the subject, our
*Domestic and foreign country ATM access fees are rebated at
clients who travel extensively appreciate that
using their ATM card abroad means they avoid
costly conversion fees charged by many credit
cards. How convenient is that?
Free Online Banking and Bill Pay
Interested in banking online? First Republic
Banking Online, at www.firstrepublic.com,
offers the ease and convenience of banking
on your schedule anywhere in the world. Our
excellent online banking system allows you
to check accounts, transfer funds, reconcile
accounts, generate reports – and more. You can
even view the image of a cleared check – front
and back – with just a click on the computer.
With Online Bill Pay, you can pay bills online,
schedule recurring payments, categorize your
spending and download your activity into
personal financial software. And First Republic
will make the transition into Online Bill
Pay even easier through personalized set-up
assistance and training, over the phone or at
your home.
Free Mobile Banking
With First Republic Mobile Banking, you can
access your accounts anywhere, anytime. Our
mobile banking app for most iPhone® and
Android® devices enables you to view account
balances and recent transactions, deposit checks,
transfer funds between your First Republic
accounts and locate the nearest Preferred Banking
Offices and ATMs. Our mobile website also
allows you to pay bills and check our deposit
interest rates.
the end of the monthly cycle on ATMs linked to Star®, Plus®,
VISA®, and NYCE® networks. Foreign currency conversion
and other usage fees vary by country and network and are
not included in the rebated ATM access fees.
 lending services

First Republic Bank offers its clients a broad
range of customized personal and business
lending alternatives. Whether you are financing
the purchase of a home, renovating your
home or other real estate, taking advantage of
investment opportunities or financing your
business, a commercial property or a partner
loan, our experienced Relationship Managers
and Business Bankers will work closely with you
to structure financing that meets your needs.
Since our inception, First Republic has been
a premier provider of real estate financing,
offering clients a combination that’s hard to
beat – competitive rates, creative solutions and
extraordinary service. And we believe in options.
Our extensive experience in the mortgage
industry enables us to create innovative
programs to meet your individual needs,
including single family and vacation home
mortgages, co-op and condominium loans,
home equity lines of credit, bridge loans and an
all-in-one construction-to-permanent loan. In
addition to fixed rate loans, we offer a complete
array of adjustable rate mortgages based on a
wide range of indices.
In addition, our Eagle Gold and Eagle Gold
Plus products provide simple, unsecured lines
of credit and term loans, up to $250,000, for
highly qualified individuals.
We also offer private aircraft and marine
financing, and, for certain financial needs, stock
or bond-secured loans.

At First Republic our goal

“We were delighted with First Republic’s mortgage is to provide extraordinary service
process. Everyone on the team pulls together.” with the utmost integrity and
professionalism.
E I I C H I RO K U WA N A Y U M I K U WA N A
President and Founding Principal Managing Director and Founding Principal
Cook Pine Capital LLC Cook Pine Capital LLC
private business banking
Our seasoned bankers tap their specialized
industry knowledge to craft customized
solutions that meet the financial needs of
your business and deliver our service with
an unwavering desire to exceed expectations.
We have specialists who understand and
serve the needs of a wide variety of businesses
including accounting, business management,
law, private equity and venture capital, as well
as independent schools and other nonprofits,
medical and dental practices, and wineries, to
name just a few.
Business Lending
First Republic offers a variety of loan options –
including specialized lines of credit, term loans,
partner loans and custom loans – to meet your
business needs. And, at First Republic, we work
quickly to satisfy normal business pressures and
the need for rapid action.
Checking, Money Market, Savings and
Treasury Services
From checking accounts that help you manage
your day-to-day transactions to savings accounts
that help you grow your money and that of your
clients, First Republic has a wide array of deposit
options for your business. And we charge no fees
on incoming wires.
Commercial Real Estate Lending
You can purchase, refinance or improve
a business property with the assistance of
customizable, cost-effective lending solutions
from First Republic including income property
loans, mixed-use building loans and commercial
real estate lines of credit. We work very closely
with you to help define the loan best suited to
your needs.
Foreign Exchange
First Republic Foreign Exchange is a leading
provider of risk management and payment
solutions to businesses and individuals with
exposures to foreign exchange risk.
We assist clients in managing their foreign
currency exposure through an array of products
and services:
• International Wires and Drafts
• Foreign Currency Accounts and Time Deposits
• Spot, Forward and Option Contracts
• Customized Hedging Solutions
Corporate Online
Our robust Online Cash Management Solutions
provide the full gamut of online services for
reviewing accounts and viewing check images,
paying bills and transferring funds, initiating
ACH, wires and stop payments, remote deposit
and reconciliation with positive pay.
private wealth management
What sets First Republic Private Wealth
Management apart from the competition is our
“global” approach. When you have a relationship
with us, we look at your complete financial picture,
working hand in hand with the banking side of
our business (and your other financial advisors,
as appropriate) to ensure that we consider
your total assets – and opportunities – across
all channels.
Our mission is to understand and respond
to clients’ needs with customized solutions.
In developing these solutions, clients can rest
assured that our independence allows us to
be free of any obligation to invest in specific
products. Whatever your investment needs,
we will work with you the way you want us to
work – and strive to deliver an unparalleled
level of service at every turn.
Here are the essentials of our offerings:
INVESTMENT MANAGEMENT
Sound Portfolios
Portfolios diversified across multiple asset
classes to adjust for risk and to take advantage
of opportunities specific to each client’s needs.
Portfolio diversification is provided through a
wide variety of investment strategies.
Fundamental Research
Individual securities selected using proprietary
fundamental in-house research for domestic core
equity and core fixed income portfolios.
Active Asset Allocation
Strategic, long term asset allocation paired with
independent and objective security and manager
selections provide the flexibility to meet each
client’s unique goals.
Tax Sensitivity
Tax-sensitive management of portfolios, including
tax reviews for capital gain/loss optimization
(including outside holdings), detailed capital gain/
loss reporting, tax-deferred or taxable account invest-
ment placement, and withdrawal optimization.
BROKERAGE SERVICES
Full-Service Brokerage
Wealth management advice on a commission
basis, which includes asset allocation; individual
fixed income, equity, and mutual fund selections;
and retirement planning.
Self-Directed Brokerage
Tools to perform market analysis, obtain real-
time stock quotes, check portfolio balances and
transaction history, and trade securities through
our online brokerage.
Concentrated Wealth Strategies
Hedging transactions and corporate selling plans
that help investors protect their single stock posi-
tion’s value and generate liquidity and tax efficiency.
Lending Solutions
Competitively priced margin lending services
for clients who wish to borrow against their
marginable securities. Also available are non-
purpose loans using securities within your
portfolio as collateral.
Cash Management
Accounts that allow clients to focus on liquidity
and safety of principal, helping them attain
higher returns than those typically available from
passively managed short-term money accounts
or money market funds.
private wealth management (cont’d)
Investment Advisor Services
Platform services that provide professional trade
execution, reporting and customer service to
clients of non-affiliated investment advisors and
professional consultants.
Account Protection
Protection for your account that is the highest
level available in the industry today, offered
through commercial insurer Pershing LLC as well
as the Securities Investor Protection Corporation,
which provides $500,000 of coverage and per-
client loss limits of $1.9 million for cash awaiting
reinvestment – within the aggregate loss limit
of $1 billion.
TRUST SERVICES
Flexible Solutions
Flexibility that allows us to work with First
Republic Investment Management (or our
client’s existing investment managers) to provide
objective counsel and decision-making, including
oversight and custody of nontraditional assets.
Partnership Philosophy
A team approach with the trustee, beneficiaries
and professional advisors associated with the
relationship all working together toward the
common goal of ensuring the financial well-being
of the client. We also can serve as a co-trustee
with individuals.
Successor Trustee
Unbiased assistance during estate settlement and
trust administration. Role as corporate trustee
makes us an impartial fiduciary required to act
in the best interests of all trust beneficiaries.
Custodial Services
Assistance in collecting income payments, dis-
bursing funds, settling trades, transferring funds,
and maintaining financial and investment records.
ADDITIONAL SERVICES
In addition to our core wealth management and
banking services, First Republic offers a range
of supplementary services for clients.
Financial Planning
Personal financial reviews are available to provide
clients with information on their balance sheet,
cash flows, and expense projections and savings.
Other analyses include planning for education, re-
tirement and long-term care needs. For clients that
have complex financial planning needs, compre-
hensive estate and financial planning is available.
Personal Financial Services
For individuals or family offices that are
looking to outsource complex accounting and
bookkeeping needs, First Republic’s Personal
Financial Services offers an attractive solution.
Personal Financial Services is a total solution
for managing day-to-day financial affairs that is
convenient, easy to use, and delivered with the
service level expected from First Republic.
Investment Advisory services are provided by First Republic
Investment Management, Inc. Trust services are provided
by First Republic Trust Company and First Republic Trust
Company of Delaware LLC. Brokerage services are offered
through First Republic Securities Company, LLC, Member
FINRA/SIPC.
Brokerage and Investment Advisory services and
products are not FDIC insured and carry no bank or
government insurance or guarantees. The purchase
of securities involves investment risks including the
possible loss of principal.
 It would be a privilege
to serve you.

Our services are provided in

the following markets:

San Francisco
Palo Alto
Los Angeles
Santa Barbara
Newport Beach
San Diego
Portland
Palm Beach
Boston
Greenwich
New York

Executive Offices:

111 Pine Street

San Francisco, California 94111
Tel: 415-392-1400
Toll Free: 800-392-1400
Fax: 415-392-1413

www.firstrepublic.com

Member FDIC
FRB 061 PE - 1/13