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ALICIA GERARDO-RUTTENBERG NAMED VICE PRESIDENT & COMMUNITY BANKING MANAGER FOR VALLEY INDEPENDENT BANK LA QUINTA BRANCH LA QUINTA, CA ­ (July 16, 2004) -- Alicia Gerardo-Ruttenberg has been named Vice President/Community Banking Manager of Valley Independent Bank. She is responsible for managing the bank's La Quinta branch. Gerardo-Ruttenberg brings 14 years of banking and business development experience to her new position with VIB. GerardoRuttenberg began her banking career with First Interstate and continued with them when acquired by Wells Fargo. Prior to joining VIB, she held the position of Premier Business Banker with Wells Fargo Bank in Palm Desert. At VIB, her responsibilities include business development and community involvement, coaching, training, and recruiting employees. "In a highly competitive industry I strongly believe that knowledgeable employees, and not products, will always be our competitive advantage," states Gerardo-Ruttenberg. "We are here to build long-lasting relationships, which in turn will allow us to foresee and provide each of our clients with the financial tools necessary to reach their short and long term financial goals." As testimony to her customer-service philosophy, she has earned several awards and special recognition during her career including: #1 Banking Center Manager in Southern California, Top Premier Banker, #1 Business Loan producer, Top Personal Banker, #1 Mentor, and recognition for Excellent Customer Service. A native of Indio, CA, Gerardo-Ruttenberg is a graduate of Indio High School. Additionally, she has taken business and finance courses at College of the Desert and through University of Phoenix. "I always knew I wanted to be in banking" states Gerardo-Ruttenberg. During a high school internship in banking and finance, she volunteered at a bank for two years

Alicia Gerardo- Ruttenberg

and credits that experience with defining her career path. Active in the community as a mother of three, she volunteers her time at local elementary schools to make presentations to help students understand the difference between good and bad spending habits. She and her children ­ Marlene, Israel and Isaac -- live in Cathedral City. She likes art and architecture and enjoys jazz music. In her leisure time she paints and sketches. The Valley Independent Bank community banking network has 30 locations from Calexico on the California-Mexico border north to Fresno. Locally, Valley Independent Bank has branches in Indio, Palm Desert, Coachella, Palm Springs, La Quinta and Thousand Palms, as well as a commercial loan center in Palm Desert. For more information on the services of Valley Independent Bank, visit www.vibank.com. The La Quinta branch is located at 51-290 Avenida Bermudas in Old Town La Quinta. Alicia Gerardo-Ruttenberg can be reached at 564-1857 or [email protected] ###

Valley Independent Bank

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