FREMONT, California - January 28, 2005 - Fremont Bank recently revamped its Wealth Management and Financial Services divisions to better meet the financial needs of its clients. These divisions of the Bank now offer a more complete set of financial services for both businesses and individuals - including Trust services, personal investing, retirement planning and a complete array of insurance options.

"Our Wealth Management group provides a full range of fee-based fiduciary services for individuals and businesses. For example, depending on the client's needs, we can act as custodian for their assets or we can take full responsibility for managing them," explains Ron Flaiani, director of Financial Services at Fremont Bank. "Another unique feature about our Wealth Management area is the fact that we actively cater to people and organizations with a minimum of $250,000 to invest. Most bank Trust Departments require much higher account values to qualify for these services."

The new FB Financial Services division offers full-service brokerage capabilities to help the Bank's clients manage their investment portfolios to meet a wide range of financial goals. Clients can choose from a broad spectrum of investment options, including mutual funds, stocks and bonds, fixed and variable annuities, IRA's, 401(k) plans and many other retirement planning vehicles. In addition, FB Financial Services has insurance specialists dealing in Long Term Care, Disability and Life Insurance.

"Part of our new service is to offer a comprehensive free financial plan to all Fremont Bank clients. We begin by meeting with the client and assessing his or her needs and objectives, then we put together a strategy to help the individual or business meet the agreed-upon financial goals," Flaiani says.

For more information, visit www.fremontbank.com and view the Financial Services section, or call (510) 505-5393, or visit any of Fremont Bank's 24 branches.

Investment products and services may be available through UVEST Financial Services, Inc. Certain Wealth Management associates are registered representatives with UVEST Financial Services, Inc. and may assist you with investment products and services. Securities are offered by, and Investment Consultants are registered with UVEST Financial Services, Inc. Member NASD, SIPC.

Investment Products are: Not a deposit - Not insured by FDIC or any Federal Government Agency - Not bank guaranteed - May Lose Value

About Fremont Bank
Fremont Bank and its divisions are committed to providing its communities with high-quality, personalized banking services in convenient neighborhood locations. Fremont Bank has built a reputation as one of the most progressive community banks in California.

Fremont Bank was founded in 1964 on the cornerstone value that continues to fuel its success today: fast, friendly, honest service. Customers can still count on receiving this exceptional level of service - a rarity in today's marketplace. For more information, call (800) 743-INFO.

Press Contacts:
Laura Owen
Public Relations, Fremont Bank
Phone: (800) 743-INFO
Email: PublicRelations@fremontbank.com