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<SEC-DOCUMENT>0000950123-10-093191.txt : 20101014
<SEC-HEADER>0000950123-10-093191.hdr.sgml : 20101014
<ACCEPTANCE-DATETIME>20101014161732
ACCESSION NUMBER:		0000950123-10-093191
CONFORMED SUBMISSION TYPE:	424B5
PUBLIC DOCUMENT COUNT:		4
FILED AS OF DATE:		20101014
DATE AS OF CHANGE:		20101014

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			HANMI FINANCIAL CORP
		CENTRAL INDEX KEY:			0001109242
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				954788120
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		424B5
		SEC ACT:		1933 Act
		SEC FILE NUMBER:	333-163206
		FILM NUMBER:		101123994

	BUSINESS ADDRESS:	
		STREET 1:		3660 WILSHIRE BLVD SUITE PH-A
		CITY:			LOS ANGELES
		STATE:			CA
		ZIP:			90010
		BUSINESS PHONE:		2133822200
</SEC-HEADER>
<DOCUMENT>
<TYPE>424B5
<SEQUENCE>1
<FILENAME>v57444e424b5.htm
<DESCRIPTION>424B5
<TEXT>
<HTML>
<HEAD>
<TITLE>e424b5</TITLE>
</HEAD>
<BODY bgcolor="#FFFFFF">
<!-- PAGEBREAK -->
<H5 align="left" style="page-break-before:always"><A HREF="#tocpage">Table of Contents</A></H5><P>
<DIV style="font-family: 'Times New Roman',Times,serif">


<DIV align="right" style="font-size: 10pt; margin-top: 12pt"><B>Filed Pursuant to Rule&nbsp;424(b)(5)<BR>
Registration No.&nbsp;333-163206</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt"><B>PROSPECTUS SUPPLEMENT<BR>
(To Prospectus dated November&nbsp;30, 2009)</B>

</DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><IMG src="v57444v5744401.gif" alt="(HANMI FINANCIAL CORPORATION LOGO)">
</DIV>


<DIV align="Center" style="font-size: 10pt; margin-top: 6pt"><B>Warrants for the Purchase of up to 4,000,000 Shares of Common Stock</B>
</DIV>

<DIV align="Center" style="font-size: 10pt; margin-top: 6pt"><B>Up to 4,000,000 Shares of Common Stock Underlying the Warrants</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;We are offering to Cappello Capital Corp. (&#147;Cappello&#148;) warrants to purchase up to
4,000,000 shares of our common stock. Two million of these warrants are being issued to Cappello
in connection with the services it provided to us as placement agent in connection with our
completed best efforts public offering and as our financial adviser in connection with our
completed rights offering (collectively, the &#147;Offerings&#148;). We also may issue up to an additional
two million warrants to Cappello in the event we consummate a private placement of our common stock
to Woori Finance Holdings Co. Ltd. (&#147;Woori&#148;) pursuant to a securities purchase agreement (the
&#147;Securities Purchase Agreement&#148;) we entered into with Woori on May&nbsp;25, 2010. In addition to the
warrants, we are also offering the shares of common stock underlying the warrants.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;We will issue warrants to purchase two million shares of our common stock to Cappello for its
services performed in connection with the Offerings immediately following the filing of this
prospectus supplement. We will issue warrants to purchase up to an additional two million shares of
our common stock in the event and at the time we consummate the private placement to Woori. See
&#147;Plan of Distribution&#148; beginning on page S-25 of this Prospectus Supplement for more information
regarding these arrangements.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Shares of our common stock are traded on the NASDAQ Global Select Market under the symbol
&#147;HAFC.&#148; On October&nbsp;13, 2010, the closing sale price for our common stock was $1.27 per
share. There is no established public trading market for the warrants and we do not expect a market
to develop. In addition, we do not intend to apply for listing of the warrants on any national
securities exchange.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Investment in our warrants and common stock is speculative and involves a high degree of risk.
You could lose your entire investment. You should carefully consider all of the information set
forth in this prospectus supplement and the accompanying prospectus, including the &#147;Risk Factors&#148;
beginning on page S-6 of this prospectus supplement and on page 6 of the accompanying prospectus,
as well as the risk factors and other information contained in any documents we incorporate by
reference into this prospectus supplement and the accompanying prospectus. See &#147;Information
Incorporated by Reference&#148; for further information about the documents we incorporate by reference
into this prospectus supplement and the accompanying prospectus.
</DIV>
<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="64%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="7%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="3"><B>Maximum Offering</B></TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" style="border-bottom: 1px solid #000000"><B>Per Warrant</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="3" style="border-bottom: 1px solid #000000"><B>Per Share of Common Stock</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="3" style="border-bottom: 1px solid #000000"><B>Amount</B></TD>
</TR>

<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">Offering Price
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">$&#151;
</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right" valign="top">$</TD>
    <TD align="right" valign="top">1.20</TD>
    <TD nowrap valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right" valign="top">$</TD>
    <TD align="right" valign="top">4,800,000</TD>
    <TD nowrap valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">Proceeds, before expenses, to us<SUP style="FONT-size: 85%; vertical-align: text-top"><B>(1)</B></SUP>
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">$&#151;
</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right" valign="top">$</TD>
    <TD align="right" valign="top">1.20</TD>
    <TD nowrap valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right" valign="top">$</TD>
    <TD align="right" valign="top">4,800,000</TD>
    <TD nowrap valign="top">&nbsp;</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>



<DIV align="left">
<DIV style="font-size: 3pt; margin-top: 16pt; width: 18%; border-top: 1px solid #000000">&nbsp;</DIV>
</DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">
<TR>
    <TD width="3%"></TD>
    <TD width="1%"></TD>
    <TD width="96"></TD>
</TR>

<TR valign="top">
    <TD nowrap align="left">(1)</TD>
    <TD>&nbsp;</TD>
    <TD>The warrants may also be exercised utilizing a cashless exercise provision, in which
case we will not receive any cash proceeds from the exercise of the warrants. See &#147;Description of
Securities &#151; Warrants&#148; beginning on page S-23.</TD>
</TR>

</TABLE>



<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Neither the Securities and Exchange Commission nor any state securities commission has
approved or disapproved of these securities or passed upon the adequacy or accuracy of this
prospectus supplement. Any representation to the contrary is a criminal offense.</B>
</DIV>

<P align="center" style="font-size: 10pt"><!-- Folio -->&nbsp;<!-- /Folio -->
</DIV>

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#tocpage">Table of Contents</A></H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>These securities are not deposits or other obligations of any bank and are not insured or
guaranteed by the Federal Deposit Insurance Corporation, the Deposit Insurance Fund or any other
state, federal or foreign governmental agency or fund</B>.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>This prospectus supplement and accompanying prospectus is not an offer to sell the securities
described herein and it is not soliciting an offer to buy such securities in any state or
jurisdiction where the offer or sale is not permitted.</B>
</DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 18pt">The date of this Prospectus Supplement is October&nbsp;14, 2010.
</DIV>




<P align="center" style="font-size: 10pt"><!-- Folio -->&nbsp;<!-- /Folio -->
</DIV>

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<P><HR noshade><P>
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">



<DIV align="left">
<!-- TOC -->
</DIV>
<DIV align="left">
<A name="tocpage"></A>
</DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>TABLE OF CONTENTS</B>
</DIV>

<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="88%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
</TR>
<TR></TR>
<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom">
    <TD align="center"><DIV style="margin-left:30px; text-indent:-15px">Prospectus Supplement</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px"><A href="#101">About this Prospectus Supplement</A></DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right">S-ii</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px"><A href="#102">Cautionary Note Regarding Forward-Looking Statements</A></DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right">S-iii</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px"><A href="#103">Prospectus Supplement Summary</A></DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right">S-1</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px"><A href="#104">The Offering</A></DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right">S-5</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px"><A href="#105">Risk Factors</A></DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right">S-6</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px"><A href="#106">Use of Proceeds</A></DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right">S-20</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px"><A href="#107">Determination of Offering Price</A></DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right">S-20</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px"><A href="#108">Dividend Policy</A></DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right">S-20</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px"><A href="#109">Description of Securities</A></DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right">S-21</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px"><A href="#110">Plan of Distribution</A></DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right">S-25</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px"><A href="#111">Legal Matters</A></DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right">S-26</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px"><A href="#112">Information Incorporated by Reference</A></DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right">S-26</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px"><A href="#113">Where You Can Find More Information</A></DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right">S-27</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD><DIV style="margin-left:15px; text-indent:-15px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD align="center"><DIV style="margin-left:45px; text-indent:-15px">Prospectus</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">About this Prospectus</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">1</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Incorporation of Certain Information by Reference</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">2</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Where You Can Find More Information</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">2</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Forward-Looking and Cautionary Statements</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">3</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Hanmi Financial Corporation</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">4</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Risk Factors</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">6</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Use of Proceeds</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">6</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Ratios of Earnings to Fixed Charges</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">6</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Description of Capital Stock</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">7</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Description of Securities We May Offer</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">10</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Plan of Distribution</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">17</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Legal Matters</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">19</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Experts</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">19</TD>
    <TD>&nbsp;</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>

<DIV align="left">
<!-- /TOC -->
</DIV>

<P align="center" style="font-size: 10pt"><!-- Folio -->S-i&nbsp;<!-- /Folio -->
</DIV>

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#tocpage">Table of Contents</A></H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">

<DIV align="left">
<A name="101"></A>
</DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>ABOUT THIS PROSPECTUS SUPPLEMENT</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;This prospectus supplement and the accompanying prospectus are part of a shelf
registration statement on Form S-3 that we filed with the Securities and Exchange Commission. Under
the shelf registration process, we may sell any combination of common stock, preferred stock, debt
securities, rights, warrants or units in one or more offerings from time to time. This prospectus
supplement describes the terms of the offering of warrants and the underlying common stock and also
adds to and updates information contained in the accompanying prospectus and the documents
incorporated by reference into this prospectus supplement and the accompanying prospectus. In the
accompanying prospectus, we provide you a general description of the securities we may offer from
time to time under our shelf registration statement. This prospectus supplement, the accompanying
prospectus and the documents incorporated by reference herein and therein include important
information about us, our warrants and our common stock and other information you should consider
before deciding to exercise our warrants or purchase our common stock. To the extent there is a
conflict between information contained in this prospectus supplement, on the one hand, and
information contained in the accompanying prospectus or any document incorporated by reference, the
information in this prospectus supplement shall control.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;You should rely only on the information we have provided or incorporated by reference in
this prospectus supplement and the accompanying prospectus. We have not authorized anyone to
provide you with different information. No placement agent, financial adviser, salesperson or other
person is authorized to give any information or to represent anything not contained in this
prospectus supplement or the accompanying prospectus. You must not rely on any unauthorized
information or representation. This prospectus supplement is an offer to sell only the securities
offered hereby and only under circumstances and in jurisdictions where it is lawful to do so. You
should assume that the information in this prospectus supplement or the accompanying prospectus is
accurate only as of the date on the front of the document and that any information we have
incorporated by reference is accurate only as of the date of the document incorporated by
reference, regardless of the time of delivery of this prospectus supplement or the accompanying
prospectus, or any sale of a security.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;This prospectus supplement contains summaries of certain provisions contained in some of
the documents described herein, but reference is made to the actual documents for complete
information. All of the summaries are qualified in their entirety by the actual documents. You may
obtain copies of the documents referred to herein as described below under &#147;Where You Can Find More
Information.&#148;
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In this prospectus supplement and accompanying prospectus, (i)&nbsp;all references to the
&#147;Company,&#148; &#147;we,&#148; &#147;us&#148; and &#147;our&#148; refer to Hanmi Financial Corporation and its subsidiaries; and (ii)
references to &#147;the Bank&#148; refer to Hanmi Bank.
</DIV>

<P align="center" style="font-size: 10pt"><!-- Folio -->S-ii&nbsp;<!-- /Folio -->
</DIV>

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#tocpage">Table of Contents</A></H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">
<DIV align="left">
<A name="102"></A>
</DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>CAUTIONARY NOTE REGARDING FORWARD-LOOKING STATEMENTS</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;This prospectus supplement and the documents incorporated by reference herein may contain
&#147;forward-looking statements&#148; within the meaning of the Private Securities Litigation Reform Act of
1995 and are made pursuant to the safe harbors of the Act. In some cases, you can identify
forward-looking statements by terminology such as &#147;may,&#148; &#147;will,&#148; &#147;should,&#148; &#147;could,&#148; &#147;expects,&#148;
&#147;plans,&#148; &#147;intends,&#148; &#147;anticipates,&#148; &#147;believes,&#148; &#147;estimates,&#148; &#147;predicts,&#148; &#147;potential,&#148; or &#147;continue,&#148;
or the negative of such terms and other comparable terminology. Examples of forward-looking
statements include, but are not limited to, our efforts to comply with regulatory orders and
agreements we are subject to and consummation of our transactions with Woori. Although we believe
that the expectations reflected in the forward-looking statements are reasonable, we cannot
guarantee future results, levels of activity, performance or achievements. Actual results could be
quite different from those expressed or implied by the forward-looking statements. Do not unduly
rely on forward-looking statements; they give our expectations about the future and are not
guarantees. Forward-looking statements speak only as of the date they are made and we undertake no
obligation to publicly update or revise any forward-looking statements included or incorporated by
reference in this prospectus supplement or the accompanying prospectus or to update the reasons why
actual results could differ from those contained in such statements, whether as a result of new
information, future events or otherwise, except as required by law.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Factors that may cause our actual results, levels of activity, performance or
achievements to differ from those expressed or implied by the forward-looking statement include:
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>our ability to continue as a going concern;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>closure of the Bank and appointment of the Federal Deposit Insurance Corporation as receiver;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>failure to complete the transaction contemplated by the Securities Purchase Agreement with Woori;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>failure to maintain adequate levels of capital to support our regulatory requirements or operations;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>a significant number of customers failing to perform under their loans and other terms of credit
agreements;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>the effect of regulatory orders we have entered into and potential future supervisory actions against us
or the Bank;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>fluctuations in interest rates and a decline in the level of our interest rate spread;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>failure to attract or retain deposits;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>sources of liquidity available to us and to the Bank becoming limited or our potential inability to
access sufficient sources of liquidity when needed or the requirement that we obtain government waivers
to do so;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>adverse changes in domestic or global financial markets, economic conditions or business conditions;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>regulatory restrictions on the Bank&#146;s ability to pay dividends to us and on our ability to make payments
on our obligations;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>significant reliance on loans secured by real estate and the associated vulnerability to downturns in
the local real estate market, natural disasters and other variables impacting the value of real estate;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>failure to attract or retain key employees;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>adequacy of our allowance for loan losses;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>credit quality and the effect of credit quality on our provision for credit losses and allowance for
loan losses;</TD>
</TR>



</TABLE>
</DIV>
<P align="center" style="font-size: 10pt"><!-- Folio -->S-iii&nbsp;<!-- /Folio -->
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">


<DIV style="margin-top: 6pt"><TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">



</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>volatility and disruption in financial, credit and securities markets, and the price of our common stock;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>deterioration in financial markets that may result in impairment charges relating to our securities
portfolio;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>competition in our primary market areas;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>demographic changes in our primary market areas;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>global hostilities, acts of war or terrorism, including but not limited to, conflict between North and
South Korea;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>significant government regulations, legislation and potential changes thereto; and</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>other risks we describe from time to time in the reports and statements we file with the SEC, including,
but not limited to, the risks set forth under the heading &#147;Risk Factors&#148; in such reports and statements
as described below.</TD>
</TR>

</TABLE>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In light of these risks, uncertainties and assumptions, the forward-looking statements
discussed in this prospectus supplement, accompanying prospectus and the documents incorporated by
reference might not occur, and you should not put undue reliance on any forward-looking statements.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Some of these and other factors are discussed in this prospectus supplement under the
caption &#147;Risk Factors&#148; and elsewhere in this prospectus supplement and accompanying prospectus and
the documents incorporated by reference, including but not limited to the section entitled &#147;Risk
Factors&#148; in our Annual Report on Form 10-K for the year ended December&nbsp;31, 2009, as amended,
our Quarterly Reports on Form 10-Q for the quarters ended March&nbsp;31, 2010 and June&nbsp;30, 2010 and our Current Report on the Form&nbsp;8-K filed
with the SEC on June&nbsp;18, 2010. The
development of any or all of these factors could have a material and adverse impact on our
financial position and results of operations.
</DIV>

<P align="center" style="font-size: 10pt"><!-- Folio -->S-iv&nbsp;<!-- /Folio -->
</DIV>

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<H5 align="left" style="page-break-before:always"><A HREF="#tocpage">Table of Contents</A></H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">
<DIV align="left">
<A name="103"></A>
</DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>PROSPECTUS SUPPLEMENT SUMMARY</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I>This summary contains basic information about us and this offering. Because it is a summary,
it does not contain all of the information that you should consider before investing. Before you
decide to invest in our common stock and warrants, you should read this entire prospectus
supplement and the accompanying prospectus carefully, including the section entitled &#147;Risk
Factors,&#148; and our consolidated financial statements and the related notes and other documents
incorporated by reference in the accompanying prospectus.</I>
</DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>OUR COMPANY</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 12pt"><B>Company Information</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Hanmi Financial Corporation is a Delaware corporation and the holding company for Hanmi
Bank, a California state chartered bank. Hanmi Bank is a community bank conducting general business
banking, with its primary market encompassing the Korean-American community as well as other
communities in the multi-ethnic populations of Los Angeles County, Orange County, San Bernardino
County, San Diego County, the San Francisco Bay area, and the Silicon Valley area in Santa Clara
County. Hanmi Bank&#146;s full-service offices are located in business areas where many of the
businesses are run by immigrants and other minority groups. Hanmi Bank&#146;s client base reflects the
multi-ethnic composition of these communities. At June&nbsp;30, 2010, Hanmi Bank maintained a branch
network of 27 full-service branch offices in California and 1 loan production office in Washington.
Our other subsidiaries are Chun-Ha Insurance Services, Inc. and All World Insurance Services, Inc.,
which were acquired in January&nbsp;2007. Founded in 1989, Chun-Ha and All World are insurance agencies
that offer a complete line of insurance products, including life, commercial, automobile, health,
and property and casualty.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Our principal office is located at 3660 Wilshire Boulevard, Penthouse Suite&nbsp;A, Los
Angeles, California 90010, and our telephone number is (213)&nbsp;382-2200.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Our website address is www.hanmi.com. Except for those SEC filings explicitly
incorporated by reference in this prospectus supplement and accompanying prospectus, none of the
information contained on, or that may be accessed through, our website is a prospectus or
constitutes part of, or is otherwise incorporated into, this prospectus supplement and accompanying
prospectus.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt"><B>Regulatory Requirements and Agreements</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;On October&nbsp;8, 2008, Hanmi Bank entered into an informal supervisory agreement (a
memorandum of understanding) with the Federal Reserve Bank of San Francisco (the &#147;Federal Reserve
Bank&#148;) and the California Department of Financial Institutions to address certain issues raised in
Hanmi Bank&#146;s then most recent regulatory examination. Under the terms of the memorandum of
understanding, Hanmi Bank is required to address: (i)&nbsp;Board and senior management maintenance and
succession planning; (ii)&nbsp;Board oversight and education; (iii)&nbsp;Board assessment and enhancement;
(iv)&nbsp;loan policies and procedures; (v)&nbsp;allowance for loan losses policies and procedures; (vi)
liquidity and funds management policies; (vii)&nbsp;strategic planning; and (viii)&nbsp;capital maintenance.
In addition, the memorandum of understanding includes a requirement that Hanmi Bank maintain a
minimum Tier 1 leverage ratio and tangible stockholders&#146; equity to total tangible assets ratio of
not less than 8.0&nbsp;percent.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Hanmi Bank undertook to comply with the memorandum of understanding. After further
negative financial results and additional regulatory examinations by the Federal Reserve Bank and
the California Department of Financial Institutions, on November&nbsp;2, 2009, the members of the Board
of Directors of Hanmi Bank consented to the issuance of a Final Order from the California
Department of Financial Institutions (the &#147;Final Order&#148;). On the same date, we and Hanmi Bank
entered into a Written Agreement (the &#147;Written Agreement&#148;) with the Federal Reserve Bank. The Final
Order and the Written Agreement contain substantially similar provisions.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Final Order and the Written Agreement require the Board of Directors of Hanmi Bank to
prepare and submit written plans to the California Department of Financial Institutions and the
Federal Reserve Bank that address the following items: (i)&nbsp;strengthening Board oversight of the
management and operation of Hanmi Bank; (ii)
</DIV>

<P align="center" style="font-size: 10pt"><!-- Folio -->S-1<!-- /Folio -->
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">
<DIV align="left" style="font-size: 10pt; margin-top: 6pt">strengthening credit risk management practices; (iii)&nbsp;improving credit administration policies
and procedures; (iv)&nbsp;improving Hanmi Bank&#146;s position with respect to problem assets; (v)
maintaining adequate reserves for loan and lease losses; (vi)&nbsp;improving the capital position of
Hanmi Bank and, with respect to the Written Agreement, of the Company; (vii)&nbsp;improving Hanmi Bank&#146;s
earnings through a strategic plan and a budget for 2010; (viii)&nbsp;improving Hanmi Bank&#146;s liquidity
position and funds management practices; and (ix)&nbsp;contingency funding. In addition, the Final Order
and the Written Agreement place restrictions on Hanmi Bank&#146;s lending to borrowers who have
adversely classified loans with Hanmi Bank and requires Hanmi Bank to charge off or collect certain
problem loans. The Final Order and the Written Agreement also require Hanmi Bank to review and
revise its allowance for loan and lease losses consistent with relevant supervisory guidance. Hanmi
Bank is also prohibited from paying dividends, incurring, increasing or guaranteeing any debt, or
making certain changes to its business without prior approval from the California Department of
Financial Institutions, and we and Hanmi Bank must obtain approval from the Federal Reserve Bank
prior to declaring and paying dividends. The Final Order and Written Agreement also require that we
and Hanmi Bank notify and obtain the non-disapproval from the California Department of Financial
Institutions and Federal Reserve Bank prior to adding any individual as a Board member or senior
executive officer.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;We and Hanmi Bank initiated action to comply with the Final Order and Written Agreement
and currently believe that we and Hanmi Bank are in substantial compliance with most of the
requirements. The failure to timely satisfy each of the provisions of the Final Order and Written
Agreement could result in further supervisory enforcement action by the California Department of
Financial Institutions and the Federal Reserve Bank. Additionally, we are not currently in
compliance with the capital and management requirements to remain a financial holding company. If
satisfactory corrective action is not taken, we could be required by the Federal Reserve Bank to
either divest ownership of our two insurance agency subsidiaries or sell Hanmi Bank.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Under the Final Order, Hanmi Bank is required to increase its capital and maintain
certain capital ratios prior to certain dates specified in the Final Order. Further, under the
Written Agreement and based on the most recent capital ratios of Hanmi Bank, we and the Bank were
required to submit an acceptable capital plan to maintain sufficient capital.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Under the Final Order, by July&nbsp;31, 2010, Hanmi Bank was required to increase its
contributed equity capital by not less than an additional $100,000,000. As a result of the
completion of the Offerings in July&nbsp;2010, by which we raised gross, aggregate proceeds of
approximately $120&nbsp;million, we were able to satisfy this requirement. Hanmi Bank is also required
to maintain a ratio of tangible stockholders&#146; equity to total tangible assets as follows:
</DIV>
<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="88%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2"><B>Ratio of Tangible
Stockholders&#146;</B></TD>
    <TD>&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD nowrap align="left" style="border-bottom: 1px solid #000000"><B>Date</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2" style="border-bottom: 1px solid #000000"><B>Equity to Total Tangible Assets</B></TD>
    <TD>&nbsp;</TD>
</TR>

<!-- End Table Head -->
<!-- Begin Table Body -->

<TR valign="bottom">
    <TD align="left" valign="top">&nbsp;</TD>
</TR>



<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">By July&nbsp;31, 2010</DIV></TD>
    <TD>&nbsp;</TD>
    <TD colspan="3" align="center">Not Less Than 9.0 Percent</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">From December&nbsp;31, 2010 and Until the Final Order is Terminated</DIV></TD>
    <TD>&nbsp;</TD>
    <TD colspan="3" align="center">Not Less Than 9.5 Percent</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Such requirements are in addition to a fully funded allowance for loan and lease losses.
As of June&nbsp;30, 2010, Hanmi Bank had tangible stockholders&#146; equity to total tangible assets ratio of
5.20&nbsp;percent. Based on its capital ratios at June&nbsp;30, 2010, Hanmi Bank is no longer deemed to be
&#147;well capitalized&#148; for regulatory purposes as of June&nbsp;30, 2010 and therefore was &#147;undercapitalized&#148;
as defined in the federal prompt corrective action regulations.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If we are unable to raise a sufficient amount of capital and thereafter maintain the required
capital ratios to satisfy the regulators, further regulatory action could be taken against us and
Hanmi Bank, including additional orders and further restrictions on our business, the possible
assessment of civil money penalties, removal of one or more officers and/or directors, termination
of deposit insurance and the liquidation or other closure of Hanmi Bank.
</DIV>

<P align="center" style="font-size: 10pt"><!-- Folio -->S-2<!-- /Folio -->
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="1%" nowrap align="left">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>The capital ratios of the Company and Hanmi Bank were as follows as of June&nbsp;30, 2010:</TD>
</TR>

</TABLE>
</DIV>
<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="28%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="7"><B>To be Categorized as</B></TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="7"><B>Minimum</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="7"><B>&#147;Well Capitalized&#148;</B></TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="7"><B>Regulatory</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="7"><B>under Prompt Corrective</B></TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="7" style="border-bottom: 1px solid #000000"><B>Actual</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="7" style="border-bottom: 1px solid #000000"><B>Requirement</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="7" style="border-bottom: 1px solid #000000"><B>Action Provision</B></TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD nowrap align="left" style="border-bottom: 1px solid #000000"><B>June 30, 2010</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="3" style="border-bottom: 1px solid #000000"><B>Amount</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="3" style="border-bottom: 1px solid #000000"><B>Ratio</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="3" style="border-bottom: 1px solid #000000"><B>Amount</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="3" style="border-bottom: 1px solid #000000"><B>Ratio</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="3" style="border-bottom: 1px solid #000000"><B>Amount</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="3" style="border-bottom: 1px solid #000000"><B>Ratio</B></TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="23"><B>(Dollars in Thousands)</B></TD>
</TR>

<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom" style="background: #cceeff">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Total Capital (to Risk-Weighted Assets):</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Hanmi Financial</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="right">$</TD>
    <TD align="right">180,545</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right">&nbsp;</TD>
    <TD align="right">7.31</TD>
    <TD nowrap>%</TD>
    <TD>&nbsp;</TD>
    <TD align="right">$</TD>
    <TD align="right">197,634</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right">&nbsp;</TD>
    <TD align="right">8.00</TD>
    <TD nowrap>%</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">N/A</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">N/A</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom" style="background: #cceeff">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Hanmi Bank</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="right">$</TD>
    <TD align="right">181,093</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right">&nbsp;</TD>
    <TD align="right">7.35</TD>
    <TD nowrap>%</TD>
    <TD>&nbsp;</TD>
    <TD align="right">$</TD>
    <TD align="right">197,189</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right">&nbsp;</TD>
    <TD align="right">8.00</TD>
    <TD nowrap>%</TD>
    <TD>&nbsp;</TD>
    <TD align="right">$</TD>
    <TD align="right">246,486</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right">&nbsp;</TD>
    <TD align="right">10.00</TD>
    <TD nowrap>%</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Tier 1 Capital (to Risk-Weighted Assets):</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom" style="background: #cceeff">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Hanmi Financial</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="right">$</TD>
    <TD align="right">91,111</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right">&nbsp;</TD>
    <TD align="right">3.69</TD>
    <TD nowrap>%</TD>
    <TD>&nbsp;</TD>
    <TD align="right">$</TD>
    <TD align="right">98,817</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right">&nbsp;</TD>
    <TD align="right">4.00</TD>
    <TD nowrap>%</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">N/A</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">N/A</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Hanmi Bank</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="right">$</TD>
    <TD align="right">148,300</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right">&nbsp;</TD>
    <TD align="right">6.02</TD>
    <TD nowrap>%</TD>
    <TD>&nbsp;</TD>
    <TD align="right">$</TD>
    <TD align="right">98,594</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right">&nbsp;</TD>
    <TD align="right">4.00</TD>
    <TD nowrap>%</TD>
    <TD>&nbsp;</TD>
    <TD align="right">$</TD>
    <TD align="right">147,891</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right">&nbsp;</TD>
    <TD align="right">6.00</TD>
    <TD nowrap>%</TD>
</TR>
<TR valign="bottom" style="background: #cceeff">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Tier 1 Capital (to Average Assets):</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Hanmi Financial</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="right">$</TD>
    <TD align="right">91,111</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right">&nbsp;</TD>
    <TD align="right">3.06</TD>
    <TD nowrap>%</TD>
    <TD>&nbsp;</TD>
    <TD align="right">$</TD>
    <TD align="right">118,922</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right">&nbsp;</TD>
    <TD align="right">4.00</TD>
    <TD nowrap>%</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">N/A</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">N/A</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom" style="background: #cceeff">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Hanmi Bank</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="right">$</TD>
    <TD align="right">148,300</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right">&nbsp;</TD>
    <TD align="right">4.99</TD>
    <TD nowrap>%</TD>
    <TD>&nbsp;</TD>
    <TD align="right">$</TD>
    <TD align="right">118,763</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right">&nbsp;</TD>
    <TD align="right">4.00</TD>
    <TD nowrap>%</TD>
    <TD>&nbsp;</TD>
    <TD align="right">$</TD>
    <TD align="right">148,454</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right">&nbsp;</TD>
    <TD align="right">5.00</TD>
    <TD nowrap>%</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 12pt"><B><I>Prompt Corrective Action Regulations</I></B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Federal law requires each federal banking agency to take prompt corrective action when a
bank falls below one or more prescribed minimum capital ratios. The federal banking agencies have,
by regulation, defined the following five capital categories:
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>&#147;Well Capitalized&#148; &#151; Total risk-based capital ratio of 10.0&nbsp;percent, Tier 1 risk-based capital
ratio of 6.0&nbsp;percent, and leverage capital ratio of 5.0&nbsp;percent, and not subject to any order or
written directive by any regulatory authority to meet and maintain a specific capital level for
any capital measure;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>&#147;Adequately Capitalized&#148; &#151; Total risk-based capital ratio of 8.0&nbsp;percent, Tier 1 risk-based
capital ratio of 4.0&nbsp;percent, and leverage capital ratio of 4.0&nbsp;percent (or 3.0&nbsp;percent if the
institution receives the highest rating from its primary regulator);</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>&#147;Undercapitalized&#148; &#151; Total risk-based capital ratio of less than 8.0&nbsp;percent, Tier 1 risk-based
capital ratio of less than 4.0&nbsp;percent, or leverage capital ratio of less than 4.0&nbsp;percent (or 3.0
percent if the institution receives the highest rating from its primary regulator);</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>&#147;Significantly Undercapitalized&#148; &#151; Total risk-based capital ratio of less than 6.0&nbsp;percent, Tier
1 risk-based capital ratio of less than 3.0&nbsp;percent, or leverage capital ratio of less than 3.0
percent; and</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>&#147;Critically Undercapitalized&#148; &#151; Tangible equity to total tangible assets of less than 2.0&nbsp;percent.</TD>
</TR>

</TABLE>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;As of June&nbsp;30, 2010, Hanmi Bank&#146;s total risk-based capital ratio was below the minimum
regulatory requirement and placed Hanmi Bank within the definition of &#147;undercapitalized&#148; under the
regulatory framework for prompt corrective action. If a state member bank, like Hanmi Bank, is
classified as undercapitalized, the bank is required pursuant to the Federal Deposit Insurance
Corporation Improvement Act and the regulations of the Board of Governors of the Federal Reserve
System (the &#147;Federal Reserve Board&#148;) to submit a capital restoration plan, which must be guaranteed
by its parent holding company up to certain limits. Further, an undercapitalized bank is prohibited
from increasing its assets, engaging in a new line of business, acquiring any interest in any
company or insured depository institution, or opening or acquiring a new branch office, except
under certain circumstances, including the acceptance by the Federal Reserve Bank of a capital
restoration plan for the bank.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If a bank is classified as significantly undercapitalized or an undercapitalized bank
fails to submit and implement an acceptable capital restoration plan, the Federal Reserve Bank
would be required to take one or more prompt corrective actions. These actions would include, among
other things, requiring sales of new securities to bolster capital; improvements in management;
limits on interest rates paid; prohibitions on transactions with affiliates; termination of certain
risky activities and restrictions on compensation paid to executive officers. These
</DIV>

<P align="center" style="font-size: 10pt"><!-- Folio -->S-3<!-- /Folio -->
</DIV>

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<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#tocpage">Table of Contents</A></H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">
<DIV align="left" style="font-size: 10pt; margin-top: 6pt">actions may be taken by the Federal Reserve Bank at any time at its discretion with respect to
an undercapitalized bank, if it determines any such restrictions are necessary.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If a bank is classified as critically undercapitalized, in addition to the foregoing
restrictions, the Federal Deposit Insurance Corporation Improvement Act and Federal Reserve Board&#146;s
implementing regulation, Regulation&nbsp;H, prohibit payment on any subordinated debt and requires the
bank to be placed into conservatorship or receivership within 90&nbsp;days, unless the Federal Reserve
Board determines that other action would better achieve the purposes of the Federal Deposit
Insurance Corporation Improvement Act regarding prompt corrective action with respect to
undercapitalized banks.
</DIV>

<P align="center" style="font-size: 10pt"><!-- Folio -->S-4<!-- /Folio -->
</DIV>

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<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#tocpage">Table of Contents</A></H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">
<DIV align="left">
<A name="104"></A>
</DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>THE OFFERING</B>
</DIV>

<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="35%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="60%">&nbsp;</TD>
</TR>
<TR></TR>
<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">Warrants we are offering
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Warrants to purchase up to
4,000,000 shares of common stock of
which 2,000,000 of these warrants are
being issued to Cappello in
connection with the services it
provided to us as placement agent and
financial adviser in connection with
the Offerings and up to an additional
2,000,000 warrants will be issued to
Cappello in connection with the
services it provided to us as
financial adviser in connection with
the Woori private placement, but only
in the event we consummate the
private placement.
<BR>
<BR>

This prospectus supplement also
relates to the offering of the shares
of common stock issuable upon
exercise of the warrants.</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">Common Stock we are offering
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Up to 4,000,000 shares of common
stock underlying the warrants.</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">Common Stock outstanding after this offering
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Up to 155,198,390 shares<SUP style="FONT-size: 85%; vertical-align: text-top">(1)</SUP></TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">Use of Proceeds
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">We did not receive any proceeds in
connection with the issuance of the
warrants to Cappello. We may receive
proceeds in the event some or all of
the warrants are exercised for cash.
Any proceeds received from the
exercise of the warrants will be used
for working capital and general
corporate purposes. There can be no
assurance that any of the holders
will exercise their warrants for cash
or that any warrants will be
exercised at all.</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">Risk Factors
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">See the &#147;Risk Factors&#148; section
of this prospectus supplement
beginning on page S-6 for factors to
consider before deciding to acquire
our securities.</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">Listing of Common Stock and Warrants
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Our common stock is listed on
the NASDAQ Global Select Market under
the symbol &#147;HAFC&#148; and we have applied
to list the shares to be issued upon
exercise of the warrants on the
NASDAQ Global Select Market under the
same symbol.</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">We do not intend to apply for listing
of the warrants on any national
securities exchange.</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>



<DIV align="left">
<DIV style="font-size: 3pt; margin-top: 16pt; width: 18%; border-top: 1px solid #000000">&nbsp;</DIV>
</DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">
<TR>
    <TD width="3%"></TD>
    <TD width="1%"></TD>
    <TD width="96"></TD>
</TR>

<TR valign="top">
    <TD nowrap align="left">(1)</TD>
    <TD>&nbsp;</TD>
    <TD>The number of shares of common stock outstanding after the offering is based on
151,198,390 shares of common stock outstanding as of October&nbsp;12, 2010, and includes up to 4,000,000
shares of common stock issuable upon the exercise of the warrants registered hereby, but excludes
1,078,491 shares of common stock issuable upon exercise of stock options outstanding, at a weighted
average exercise price of $11.97 per share, under our stock option plans.</TD>
</TR>

</TABLE>


<P align="center" style="font-size: 10pt"><!-- Folio -->S-5<!-- /Folio -->
</DIV>

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#tocpage">Table of Contents</A></H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">





<DIV align="left">
<A name="105"></A>
</DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>RISK FACTORS</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I>An investment in our warrants and common stock involves a high degree of risk. You should
carefully consider the risks described below and in the accompanying prospectus on page 6, together
with the other information contained or incorporated by reference into this prospectus supplement,
including the information contained in the section entitled &#147;Risk Factors&#148; in our Annual Report on
Form&nbsp;10-K for the year ended December&nbsp;31, 2009, as amended, our Quarterly Reports on </I><I>Form 10-Q</I><I> for
the quarters ended March&nbsp;31, 2010 and June&nbsp;30, 2010, our Current Report on Form&nbsp;8-K filed with
the Securities and Exchange Commission on June&nbsp;18, 2010 and any risks described in our other filings
with the Securities and Exchange Commission, pursuant to Sections&nbsp;</I><I>13(a)</I><I>, </I><I>13(c)</I><I>, 14, or </I><I>15(d)</I><I> of the
Exchange Act of 1934, as amended, before making a decision to exercise the warrants and invest in
our common stock. The risks described below and in the documents referred to in the preceding
sentence are not the only risks we face. Additional risks and uncertainties not currently known to
us or that we currently deem to be immaterial may also materially and adversely affect our business
operations. If any of the following risks actually occurs, our business, results of operations and
financial condition could suffer. In that case, the trading price of our common stock could
decline, and you may lose all or part of your investment.</I>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt"><B>Risks Relating to our Business and Ownership of Our Common Stock</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt"><B><I>Our independent registered public accounting firm has expressed substantial doubt about our
ability to continue as a going concern.</I></B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Our independent registered public accounting firm in their audit report for fiscal year
2009 has expressed substantial doubt about our ability to continue as a going concern. Our
continued operations may depend on our ability to comply with the terms of the Final Order and
Written Agreement and the financing or other capital required to do so may not be available or may
not be available on acceptable terms. Our audited financial statements were prepared under the
assumption that we will continue our operations on a going concern basis, which contemplates the
realization of assets and the discharge of liabilities in the normal course of business. Our
financial statements do not include any adjustments that might be necessary if we are unable to
continue as a going concern. If we cannot continue as a going concern, our stockholders will lose
some or all of their investment in us.
</DIV>
<DIV align="left" style="font-size: 10pt; margin-top: 6pt"><B><I>We, and our independent registered public accounting firm, have identified a material weakness in
our internal control over financial reporting.</I></B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Management and our independent registered public accountants have identified a material
weakness in our internal control over financial reporting related to the allowance for loan losses.
The identified deficiency that was considered a material weakness related to management&#146;s policies
and procedures for the monitoring and timely evaluation of and revision to management&#146;s approach
for assessing credit risk inherent in the Company&#146;s loan portfolio to reflect changes in the
economic environment.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;While we are taking steps to address the identified material weakness and prevent
additional material weaknesses from occurring, there is no guarantee that these steps will be
sufficient to remediate the identified material weakness or prevent additional material weaknesses
from occurring. If we fail to remediate the material weakness, or if additional material weaknesses
are discovered in the future, we may fail to meet our future reporting obligations and our
financial statements may contain material misstatements. Any such failure could also adversely
affect the results of the periodic management evaluations and annual auditor attestation reports
regarding the effectiveness of our internal control over financial reporting.
</DIV>

<P align="center" style="font-size: 10pt"><!-- Folio -->S-6<!-- /Folio -->
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">
<DIV align="left" style="font-size: 10pt; margin-top: 6pt"><B><I>Our operations may require us to raise additional capital in the future, but that capital may
not be available or may not be on terms acceptable to us when it is needed.</I></B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;We are required by federal regulatory authorities to maintain adequate levels of capital
to support our operations. As part of the Final Order, the Bank is also required to increase its
capital and maintain certain regulatory capital ratios prior to certain dates specified in the
Final Order. The Bank is required to maintain a ratio of tangible stockholders&#146; equity to total
tangible assets as follows:
</DIV>
<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="88%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="3"><B>Ratio of Tangible
Stockholders&#146;</B></TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD nowrap align="left" style="border-bottom: 1px solid #000000"><B>Date</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="3" style="border-bottom: 1px solid #000000"><B>Equity to Total Tangible Assets</B></TD>
</TR>

<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">By July&nbsp;31, 2010</DIV></TD>
    <TD>&nbsp;</TD>
    <TD colspan="3" align="center">Not Less Than 9.0 Percent</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">From December&nbsp;31, 2010 and Until the Final Order is Terminated</DIV></TD>
    <TD>&nbsp;</TD>
    <TD colspan="3" align="center">Not Less Than 9.5 Percent</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;As of June&nbsp;30, 2010, Hanmi Bank had tangible stockholders&#146; equity to total tangible
assets ratio of 5.20&nbsp;percent. Pursuant to the Written Agreement, we are also required to increase
and maintain sufficient capital at the Company and at Hanmi Bank that is satisfactory to the
Federal Reserve Bank. We have also committed to the Federal Reserve Bank to adopt a consolidated
capital plan to augment and maintain a sufficient capital position. Our existing capital resources
may not satisfy our capital requirements for the foreseeable future and may not be sufficient to
offset any problem assets. Even if we are successful in completing the private placement with
Woori, by which Woori has agreed to purchase a minimum of $210&nbsp;million and a maximum of $240
million of our common stock, we may still need to raise additional capital in the future to support
our operations. Further, should our asset quality erode and require significant additional
provision for credit losses, resulting in consistent net operating losses at Hanmi Bank, our
capital levels will decline and we will need to raise capital to satisfy our agreements with the
regulators and any future regulatory orders or agreements we may be subject to.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Our ability to raise additional capital will depend on conditions in the capital markets at
that time, which are outside our control, and on our financial performance. Accordingly, we cannot
be certain of our ability to raise additional capital on terms acceptable to us, if at all.
Inability to raise additional capital when needed raises substantial doubt about our ability to
continue as a going concern. In addition, if we were to raise additional capital through the
issuance of additional shares, our stock price could be adversely affected, depending on the terms
of any shares we were to issue.
</DIV>
<DIV align="left" style="font-size: 10pt; margin-top: 6pt"><B><I>Hanmi Bank is &#147;undercapitalized&#148; under the prompt corrective action regulations and guidelines
and as a result is subject to various operating restrictions and other limitations.</I></B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The total risk-based capital ratio of 7.35&nbsp;percent as of June&nbsp;30, 2010 set forth in Hanmi
Bank&#146;s Call Report filed for the quarter ending June&nbsp;30, 2010 places Hanmi Bank within the
definition of &#147;undercapitalized&#148; for purposes of Section&nbsp;38 of the Federal Deposit Insurance Act
(Prompt Corrective Action), 12 U.S.C. 1831o and Federal Reserve Board Regulations 12 C.F.R. 240 et
seq. Pursuant to Section&nbsp;38 and Federal Reserve Board Regulation&nbsp;H, Hanmi Bank was required to
submit a capital restoration plan to the Federal Reserve Bank that must be guaranteed by the
Company. Hanmi Bank has taken action to submit the required capital restoration plan but there can
be no assurances whether or when the Federal Reserve Bank will determine if the plan submitted by
Hanmi Bank is acceptable. Hanmi Bank is also subject to other restrictions pursuant to Section&nbsp;38
and Federal Reserve Board Regulation&nbsp;H, including restrictions on dividends, asset growth and
expansion through acquisitions, branching or new lines of business and is prohibited from paying
certain management fees. The Federal Reserve Bank also has the discretion to impose certain other
corrective actions pursuant to Section&nbsp;38 and Regulation&nbsp;H.
</DIV>
<DIV align="left" style="font-size: 10pt; margin-top: 6pt"><B><I>Hanmi Bank is prohibited from accepting, renewing or rolling over brokered deposits, which
could significantly affect its liquidity.</I></B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;As a result of its &#147;undercapitalized&#148; capital ratio category as of June&nbsp;30, 2010, the
Bank is also prohibited by Section&nbsp;29 of the Federal Deposit Insurance Act from accepting, renewing
or rolling over any brokered deposits and we are restricted from offering interest rates on
deposits that are higher than the prevailing rates in our market because the Bank is less than
adequately capitalized. Our financial flexibility could be severely constrained if we are
</DIV>

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</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">
<DIV align="left" style="font-size: 10pt; margin-top: 6pt">unable to renew our wholesale funding or if adequate financing is not available in the future
at acceptable rates of interest. We may not have sufficient liquidity to continue to fund new loan
originations, and we may need to liquidate loans or other assets unexpectedly in order to repay
obligations as they mature. Our inability to obtain regulatory consent to accept or renew brokered
deposits could have a material adverse effect on our business, financial condition, results of
operations, cash flows and/or future prospects and our ability to continue as a going concern.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt"><B><I>The Bank is subject to additional regulatory oversight as a result of a formal regulatory
enforcement action issued by the Federal Reserve Bank and the California Department of Financial
Institutions.</I></B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;On November&nbsp;2, 2009, the members of the Board of Directors of the Bank consented to the
issuance of the Final Order from the California Department Financial Institutions. On the same
date, we and the Bank entered into the Written Agreement with the Federal Reserve Bank. Under the
terms of the Final Order and the Written Agreement, Hanmi Bank is required to implement certain
corrective and remedial measures under strict time frames and we can offer no assurance that Hanmi
Bank will be able to meet the deadlines imposed by the regulatory orders. These regulatory actions
will remain in effect until modified, terminated, suspended or set aside by the Federal Reserve
Bank or the California Department of Financial Institutions, as applicable. Failure to comply with
the terms of these regulatory actions within the applicable time frames provided could result in
additional orders or penalties from the Federal Reserve Bank and the California Department of
Financial Institutions, which could include further restrictions on our business, assessment of
civil money penalties on us and the Bank, as well as our respective directors, officers and other
affiliated parties, termination of deposit insurance, removal of one or more officers and/or
directors, the liquidation or other closure of the Bank. Generally, these enforcement actions will
be lifted only after subsequent examinations substantiate complete correction of the underlying
issues. Therefore they are not expected to be lifted if and when the Woori transaction is
consummated.
</DIV>
<DIV align="left" style="font-size: 10pt; margin-top: 6pt"><B><I>We may become subject to additional regulatory restrictions in the event that our regulatory
capital levels continue to decline.</I></B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;As of June&nbsp;30, 2010, Hanmi Bank&#146;s total risk-based capital ratio was below the minimum
regulatory requirement and placed Hanmi Bank within the definition of &#147;undercapitalized&#148; under the
regulatory framework for prompt corrective action. If a state member bank, like Hanmi Bank, is
classified as undercapitalized, the bank is required to submit a capital restoration plan to the
Federal Reserve Bank. Pursuant to Federal Deposit Insurance Corporation Improvement Act, an
undercapitalized bank is prohibited from increasing its assets, engaging in a new line of business,
acquiring any interest in any company or insured depository institution, or opening or acquiring a
new branch office, except under certain circumstances, including the acceptance by the Federal
Reserve Bank of a capital restoration plan for the bank.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If a bank is classified as significantly undercapitalized, the Federal Reserve Bank would be
required to take one or more prompt corrective actions. These actions would include, among other
things, requiring sales of new securities to bolster capital; improvements in management; limits on
interest rates paid; prohibitions on transactions with affiliates; termination of certain risky
activities and restrictions on compensation paid to executive officers. These actions may also be
taken by the Federal Reserve Bank at any time on an undercapitalized bank if it determines those
restrictions are necessary. If a bank is classified as critically undercapitalized, in addition to
the foregoing restrictions, the Federal Deposit Insurance Corporation Improvement Act prohibits
payment on any subordinated debt and requires the bank to be placed into conservatorship or
receivership within 90&nbsp;days, unless the Federal Reserve Bank determines that other action would
better achieve the purposes of the Federal Deposit Insurance Corporation Improvement Act regarding
prompt corrective action with respect to undercapitalized banks.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Finally, the capital classification of a bank affects the frequency of examinations of the
bank, the deposit insurance premiums paid by such bank, and the ability of the bank to engage in
certain activities, all of which could have a material and adverse effect on our business,
financial condition, results of operations, cash flows and/or future prospects and our ability to
continue as a going concern.
</DIV>

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</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">
<DIV align="left" style="font-size: 10pt; margin-top: 6pt"><B><I>The Bank is currently restricted from paying dividends to us and we are restricted from paying
dividends to stockholders and from making any payments on our trust preferred securities.</I></B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The primary source of our income from which we pay our obligations and distribute
dividends to our stockholders is from the receipt of dividends from Hanmi Bank. The availability of
dividends from Hanmi Bank is limited by various statutes and regulations. Hanmi Bank currently has
deficit retained earnings and has suffered net losses in 2009 and 2008, largely caused by provision
for credit losses and goodwill impairments. As a result, the California Financial Code does not
provide authority for Hanmi Bank to declare a dividend to us, with or without Commissioner
approval. In addition, Hanmi Bank is prohibited from paying dividends to us unless it receives
prior regulatory approval. Furthermore, we agreed that we will not pay any dividends or make any
payments on our outstanding $82.4&nbsp;million of trust preferred securities or any other capital
distributions without the prior written consent of the Federal Reserve Bank. We began to defer
interest payments on our trust preferred securities commencing with the interest payment that was
due on January&nbsp;15, 2009. If we defer interest payments for more than 20 consecutive quarters under
any of our outstanding trust preferred instruments, then we would be in default under such trust
preferred arrangements and the amounts due under the agreements pursuant to which we issued our
trust preferred securities would be immediately due and payable.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt"><B><I>Liquidity
risk could impair our ability to fund operations and jeopardize our financial condition.</I></B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Liquidity is essential to our business. An inability to raise funds through deposits,
borrowings, the sale of loans and other sources could have a material and adverse effect on our
liquidity. Our access to funding sources in amounts adequate to finance our activities could be
impaired by factors that affect us specifically or the financial services industry in general.
Factors that could detrimentally impact our access to liquidity sources include a decrease in the
level of our business activity due to a market downturn or adverse regulatory action against us.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;For example, the Federal Reserve Bank&#146;s lending to Hanmi Bank is limited as provided for in
Regulation&nbsp;A (12 C.F.R. 201). Currently, the Federal Reserve Bank will not lend to Hanmi Bank for
more than 60&nbsp;days in any 120&nbsp;day period and Hanmi Bank must maintain a minimum of $20.7&nbsp;million to
offset the risk from Hanmi Bank&#146;s non-Fedwire activity. In addition, due to continued deterioration
in credit and capital, Hanmi Bank&#146;s maximum borrowing capacity from the Federal Home Loan Bank has
been reduced from 20% of total assets to 15% of total assets and the maximum term has been reduced
from 84 to 12&nbsp;months.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Our ability to acquire deposits or borrow could also be impaired by factors that are not
specific to us, such as a severe disruption of the financial markets or negative views and
expectations about the prospects for the financial services industry as a whole as a result of the
recent turmoil faced by banking organizations in the domestic and worldwide credit markets.
</DIV>
<DIV align="left" style="font-size: 10pt; margin-top: 6pt"><B><I>We may be required to make additional provisions for credit losses and charge off additional
loans in the future, which could adversely affect our results of operations and capital levels.</I></B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;During the year ended December&nbsp;31, 2009, we recorded a $196.4&nbsp;million provision for
credit losses and gross charge-offs of $125.4&nbsp;million in loans, offset by recoveries of $2.8
million. For the year ended December&nbsp;31, 2009, we recognized net losses of $122.3&nbsp;million. For the
quarter and six months ended June&nbsp;30, 2010, we recorded a $37.5 and $95.5&nbsp;million provision for
credit losses, respectively, and gross charge-offs of $40.7 and $70.8&nbsp;million in loans, offset by
recoveries of $1.8 and $5.5&nbsp;million. For the quarter ended June&nbsp;30, 2010, we recognized net losses
of $29.3&nbsp;million. For the six months ended June&nbsp;30, 2010, we recognized net losses of $78.7
million. There has been a general slowdown in the economy and in particular, in the housing market
in areas of Southern California where a majority of our loan customers are based, along with high
unemployment. This slowdown reflects declining prices and excess inventories of homes to be sold,
which has contributed to a financial strain on homebuilders and suppliers, as well as an overall
decrease in the collateral value of real estate securing loans. As of June&nbsp;30, 2010, we had $928.8
million in commercial real estate, construction and residential property loans. Continuing
deterioration in the real estate market generally and in the residential property and construction
segment in particular, along with high levels of unemployment, could result in additional loan
charge-offs and provisions for credit losses in the future, which could have an adverse effect on
our net income and capital levels.
</DIV>

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</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">

<DIV align="left" style="font-size: 10pt; margin-top: 12pt"><B><I>Our allowance for loan losses may not be adequate to cover actual losses.</I></B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A significant source of risk arises from the possibility that we could sustain losses
because borrowers, guarantors and related parties may fail to perform in accordance with the terms
of their loans. The underwriting and credit monitoring policies and procedures that we have adopted
to address this risk may not prevent unexpected losses that could have a material and adverse
effect on our business, financial condition, results of operations and cash flows. We maintain an
allowance for loan losses to provide for loan defaults and non-performance. The allowance is also
increased for new loan growth. While we believe that our allowance for loan losses is adequate to
cover inherent losses, we cannot assure you that we will not increase the allowance for loan losses
further or that our regulators will not require us to increase this allowance.
</DIV>
<DIV align="left" style="font-size: 10pt; margin-top: 6pt"><B><I>Our Southern California business focus and economic conditions in Southern California could
materially and adversely affect our operations.</I></B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Hanmi Bank&#146;s operations are located primarily in Los Angeles and Orange Counties. Because
of this geographic concentration, our results depend largely upon economic conditions in these
areas. The continued deterioration in economic conditions in Hanmi Bank&#146;s market areas, continued
high unemployment or a significant natural or man-made disaster in these market areas, could have a
material and adverse effect on the quality of Hanmi Bank&#146;s loan portfolio, the demand for its
products and services and on its overall financial condition and results of operations.
</DIV>
<DIV align="left" style="font-size: 10pt; margin-top: 6pt"><B><I>Our concentration in commercial real estate loans located primarily in Southern California
could have material and adverse effects on credit quality.</I></B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;As of June&nbsp;30, 2010, Hanmi Bank&#146;s loan portfolio included commercial real estate and
construction loans, primarily in Southern California, totaling $859.4&nbsp;million, or 34.3&nbsp;percent of
total gross loans. Because of this concentration, a continued deterioration in the Southern
California commercial real estate market could exacerbate adverse consequences for Hanmi Bank.
Among the factors that could contribute to such a continued decline are general economic conditions
in Southern California, interest rates and local market construction and sales activity.
</DIV>
<DIV align="left" style="font-size: 10pt; margin-top: 6pt"><B><I>Our concentration in commercial and industrial loans could have material and adverse effects
on credit quality.</I></B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;As of June&nbsp;30, 2010, Hanmi Bank&#146;s loan portfolio included commercial and industrial
loans, primarily in Southern California, totaling $1.52&nbsp;billion, or 60.7&nbsp;percent of total gross
loans. Because of this concentration, a continued deterioration of the Southern California economy
could affect the ability of borrowers, guarantors and related parties to perform in accordance with
the terms of their loans, which could have material and adverse consequences for Hanmi Bank.
</DIV>
<DIV align="left" style="font-size: 10pt; margin-top: 6pt"><B><I>Our concentrations of loans in certain industries could have adverse effects on credit
quality.</I></B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;As of June&nbsp;30, 2010, Hanmi Bank&#146;s loan portfolio included loans to: 1) lessors of
non-residential buildings totaling $390.0&nbsp;million, or 15.6% of total gross loans; 2) borrowers in
the accommodation industry totaling $356.7&nbsp;million, or 14.2&nbsp;percent of total gross loans; and 3)
gas stations totaling $294.1&nbsp;million, or 11.7&nbsp;percent of total gross loans. Most of these loans are
in Southern California. Because of these concentrations of loans in specific industries, a
continued deterioration of the Southern California economy overall, and specifically within these
industries, could affect the ability of borrowers, guarantors and related parties to perform in
accordance with the terms of their loans, which could have material and adverse consequences for
Hanmi Bank.
</DIV>
<DIV align="left" style="font-size: 10pt; margin-top: 6pt"><B><I>The Woori transaction is subject to conditions to closing and may not close at all.</I></B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The transactions contemplated by the Securities Purchase Agreement with Woori is subject
to numerous closing conditions, many of which are outside of our control and might not be
fulfilled. The transaction with Woori must be approved by certain governmental agencies, including
the Federal Reserve Board, the California Department of Financial Institutions and the Korean
Financial Services Commission, which could delay or prevent the closing. There can be no assurance
that the transaction with Woori will receive the necessary regulatory
</DIV>

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</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">
<DIV align="left" style="font-size: 10pt; margin-top: 6pt">approvals within a reasonable period of time, if at all. We cannot assure you that the
investment by Woori in us will close in the near term or at all. If we fail to consummate the
transactions contemplated by the Securities Purchase Agreement and we otherwise fail to raise
sufficient capital to satisfy the terms of the Final Order and the Written Agreement, further
regulatory action could be taken against us and Hanmi Bank and we may not be able to continue as a
going concern. Failure to comply with the terms of the regulatory orders within the applicable time
frames provided could result in additional orders or penalties from the Federal Reserve Bank, the
Federal Deposit Insurance Corporation and the California Department of Financial Institutions,
which could include further restrictions on our business, assessment of civil money penalties on us
and Hanmi Bank, as well as our respective directors, officers and other affiliated parties,
termination of deposit insurance, removal of one or more officers and/or directors and the
liquidation or other closure of Hanmi Bank.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Even if we were to consummate the transactions contemplated by the Securities Purchase
Agreement with Woori , we may still need to raise additional capital in the future and there can be
no assurance that we would be able to do so in the amounts required and in a timely manner, or at
all. Failure to raise sufficient capital could have a material and adverse effect on our business,
financial condition and results of operations and subject us to further regulatory restrictions or
penalties.
</DIV>
<DIV align="left" style="font-size: 10pt; margin-top: 6pt"><B><I>Existing stockholders may experience substantial dilution from the Woori investment.</I></B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Woori investment will involve the issuance of a substantial number of shares of our
common stock. If the Woori investment is completed, current stockholders will have less than a
majority interest in us. As a result of the sale of such a large number of shares of our common
stock, the market price of our common stock could decline and we could experience dilution to
earnings and book value and stockholders may experience dilution in the price of their shares of
our common stock.
</DIV>
<DIV align="left" style="font-size: 10pt; margin-top: 6pt"><B><I>In the future we may decide or be required to raise additional funds, which would cause then
existing stockholders to experience dilution.</I></B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Notwithstanding the completion of the Offerings, and assuming consummation of the Woori
investment, we may decide to raise additional funds through public or private debt or equity
financings for a number of reasons, including in response to regulatory or other requirements to
meet our liquidity and capital needs, to finance our operations and business strategy or for other
reasons. If we raise funds by issuing equity securities or instruments that are convertible into
equity securities, the percentage ownership of our existing stockholders will further be reduced,
the new equity securities may have rights, preferences and privileges superior to those of our
common stock, and the market of our common stock could decline.
</DIV>
<DIV align="left" style="font-size: 10pt; margin-top: 6pt"><B><I>Even after the Woori investment and the Offerings we may still be subject to continued
regulatory scrutiny.</I></B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Notwithstanding the completion of the Offerings, and assuming consummation of the Woori
investment, we cannot assure you whether or when the regulatory agreements and orders we have
entered into will be lifted or terminated. Even if they are lifted or terminated in whole or in
part, we may still be subject to supervisory enforcement actions that restrict our activities.
</DIV>
<DIV align="left" style="font-size: 10pt; margin-top: 6pt"><B><I>If the Woori investment is completed, we will have a controlling stockholder who will be able
to control certain corporate matters.</I></B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If the transactions with Woori are consummated, Woori will control us as it will own in
excess of 50% of our common stock. As a result, and subject to compliance with applicable law and
our charter documents (subject to the limitations contained in the Securities Purchase Agreement
with Woori), Woori will have voting control of us, and will be able to (i)&nbsp;elect all of the members
of our Board of Directors; (ii)&nbsp;adopt amendments to our charter documents; and (iii)&nbsp;subject to the
limitations set forth in the Securities Purchase Agreement regarding a cash-out merger, control the
vote on any merger, sale of assets or other fundamental corporate transaction of the Company or
Hanmi Bank or the issuance of additional equity securities or incurrence of debt, in each case
without the approval of our other stockholders. It will also be impossible for a third party, other
than Woori, to obtain control of us through purchases of our common stock not beneficially owned or
controlled by Woori, which could have a
</DIV>

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</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">
<DIV align="left" style="font-size: 10pt; margin-top: 6pt">negative impact on our stock price. Furthermore, in pursuing its economic interests, Woori may
make decisions with respect to fundamental corporate transactions that may be different than the
decisions of other stockholders.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If the transactions with Woori are consummated, Woori is entitled to appoint four of our seven
directors and propose who shall serve as our Chief Executive Officer, which individual will also
serve on our Board of Directors. In conjunction therewith, up to five of our directors designated
by us will resign to accommodate Woori&#146;s contractual rights. The directors identified by Woori
shall serve until our next annual meeting of stockholders and until their successors are elected
and qualified. The appointment of the Woori nominees is subject to non-disapproval requirements of
the Final Order and the notice requirements of the Written Agreement.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Woori would also then have the ability to sell large amounts of shares of our common stock by
causing us to file a registration statement that would allow it to sell shares more easily. In
addition, Woori could sell shares of our common stock without registration under certain
circumstances, such as in a private transaction. Sales of substantial amounts of our common stock,
or the perception that such sales could occur, could adversely affect the market price of our
common stock. If Woori were to sell or transfer shares of our common stock as a block, another
person or entity could become our controlling stockholder, subject to any required regulatory
approvals.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Woori is also subject to regulatory oversight, review and supervisory action (which can
include fines or penalties) by Korean banking authorities and U.S. regulatory authorities as a
result of its 100% indirect controlling interest in Woori America Bank headquartered in New York.
Our business operations and expansion plans could be negatively affected by regulatory concerns or
supervisory action in the U.S. and in Korea against Woori and its affiliates. The views of Woori
regarding possible new businesses, strategies, acquisitions, divestitures or other initiatives,
including compliance and risk management processes, may differ from ours. Additionally, Woori
America Bank has branches in California and competes with Hanmi Bank for customers. Woori may take
actions with respect to Woori America Bank&#146;s business in California or elsewhere that could be
disadvantageous to Hanmi Bank and to stockholders of Hanmi Financial other than Woori. If the
transactions with Woori are consummated, this may delay or hinder us from pursuing initiatives or
cause us to incur additional costs and subject us to additional oversight. Also, to the extent any
directors, officers or employees serve us and Woori at the same time that could create or create
the appearance of, conflicts of interest.
</DIV>
<DIV align="left" style="font-size: 10pt; margin-top: 6pt"><B><I>If the Woori investment is completed, we would qualify as a &#147;controlled company&#148; for NASDAQ
corporate governance purposes.</I></B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Our common stock is currently listed on the NASDAQ Global Select Market. NASDAQ generally
requires a majority of directors to be independent and requires independent director oversight over
the nominating and executive compensation functions. However, under the rules applicable to NASDAQ,
if another company owns more than 50% of the voting power of a listed company, that company is
considered a &#147;controlled company&#148; and exempt from rules relating to independence of the Board of
Directors and the compensation and nominating committees. If the Woori investment is completed, we
will be a controlled company because Woori will beneficially own more than 50% of our outstanding
voting stock. Accordingly, we would be exempt from certain corporate governance requirements and
our stockholders may not have all the protections that these rules are intended to provide.
</DIV>
<DIV align="left" style="font-size: 10pt; margin-top: 6pt"><B><I>Difficult economic and market conditions have adversely affected our industry.</I></B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Dramatic declines in the housing market, with decreasing home prices and increasing
delinquencies and foreclosures, have negatively impacted the credit performance of mortgage and
construction loans and resulted in significant write-downs of assets by many financial
institutions. General downward economic trends, reduced availability of commercial credit and
increasing unemployment have negatively impacted the credit performance of commercial and consumer
credit, resulting in additional write-downs. Concerns over the stability of the financial markets
and the economy have resulted in decreased lending by financial institutions to their customers and
to each other. This market turmoil and tightening of credit has led to increased commercial and
consumer deficiencies, lack of customer confidence, increased market volatility and widespread
reduction in general business activity. Financial institutions have experienced decreased access to
deposits and borrowings. The resulting economic pressure on consumers and businesses and the lack
of confidence in the financial markets may adversely affect our business,
</DIV>

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</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">
<DIV align="left" style="font-size: 10pt; margin-top: 6pt">financial condition, results of operations and stock price. We do not expect that the
difficult conditions in the financial markets are likely to improve in the near future. A worsening
of these conditions would likely exacerbate the adverse effects of these difficult market
conditions on us and others in the financial institutions industry. In particular, we may face the
following risks in connection with these events:
</DIV>


<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>We potentially face increased regulation of our industry. Compliance
with such regulation may increase our costs and limit our ability to
pursue business opportunities.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>The process we use to estimate losses inherent in our credit exposure
requires difficult, subjective and complex judgments, including
forecasts of economic conditions and how these economic conditions
might impair the ability of our borrowers to repay their loans. The
level of uncertainty concerning economic conditions may adversely
affect the accuracy of our estimates, which may, in turn, impact the
reliability of the process.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>We may be required to pay significantly higher Federal Deposit
Insurance Corporation premiums because market developments have
significantly depleted the deposit insurance fund of the Federal
Deposit Insurance Corporation and reduced the ratio of reserves to
insured deposits.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Our liquidity could be negatively impacted by an inability to access
the capital markets, unforeseen or extraordinary demands on cash, or
regulatory restrictions, which could, among other things, materially
and adversely affect our business, results of operations and financial
condition and our ability to continue as a going concern.</TD>
</TR>

</TABLE>
</DIV>
<DIV align="left" style="font-size: 10pt; margin-top: 6pt"><B><I>If current levels of market disruption and volatility continue or worsen, there can be no
assurance that we will not experience an adverse effect, which may be material, on our ability to
access capital and on our business, financial condition and results of operations and prospects as
a going concern.</I></B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Recent legislative and regulatory initiatives to address difficult market and economic
conditions may not stabilize the U.S. banking system. There can be no assurance as to the actual
impact regulatory initiatives will have on the financial markets, including the extreme levels of
volatility and limited credit availability currently being experienced. The failure of regulatory
initiatives to help stabilize the financial markets and a continuation or worsening of current
financial market conditions could materially and adversely affect our business, financial
condition, results of operations, access to capital and credit or the value of our securities.
</DIV>
<DIV align="left" style="font-size: 10pt; margin-top: 6pt"><B><I>U.S. and international financial markets and economic conditions could adversely affect our
liquidity, results of operations and financial condition.</I></B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Global capital markets and economic conditions continue to be adversely affected and the
resulting disruption has been particularly acute in the financial sector. Our capital ratios have
been adversely affected and the cost and availability of funds may be adversely affected by
illiquid credit markets and the demand for our products and services may decline as our borrowers
and customers realize the impact of an economic slowdown and recession. In addition, the severity
and duration of these adverse conditions is unknown and may exacerbate our exposure to credit risk
and adversely affect the ability of borrowers to perform under the terms of their lending
arrangements with us. Accordingly, continued turbulence in the U.S. and international markets and
economy may adversely affect our liquidity, financial condition, results of operations and
profitability.
</DIV>
<DIV align="left" style="font-size: 10pt; margin-top: 6pt"><B><I>Our success depends on our key management.</I></B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Our success depends in large part on our ability to attract key people who are qualified
and have knowledge and experience in the banking industry in our markets and to retain those people
to successfully implement our business objectives. The unexpected loss of services of one or more
of our key personnel or the inability to maintain consistent personnel in management could have a
material and adverse impact on our business and results of operations.
</DIV>

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</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">

<DIV align="left" style="font-size: 10pt; margin-top: 12pt"><B><I>Changes in economic conditions could materially hurt our business.</I></B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Our business is directly affected by changes in economic conditions, including finance,
legislative and regulatory changes and changes in government monetary and fiscal policies and
inflation, all of which are beyond our control. The economic conditions in the markets in which
many of our borrowers operate have deteriorated and the levels of loan delinquency and defaults
that we experienced were substantially higher than historical levels.

If economic conditions continue to deteriorate, it may exacerbate the following consequences:
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>problem assets and foreclosures may increase;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>demand for our products and services may decline;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>low cost or non-interest bearing deposits may decrease; and</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>collateral for loans made by us, especially real estate, may decline in value.</TD>
</TR>

</TABLE>
</DIV>
<DIV align="left" style="font-size: 10pt; margin-top: 6pt"><B><I>If a significant number of borrowers, guarantors or related parties fail to perform as
required by the terms of their loans, we could sustain losses.</I></B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A significant source of risk arises from the possibility that losses will be sustained
because borrowers, guarantors or related parties may fail to perform in accordance with the terms
of their loans. We have adopted underwriting and credit monitoring procedures and credit policies,
including the establishment and review of the allowance for loan losses, that management believes
are appropriate to limit this risk by assessing the likelihood of non-performance, tracking loan
performance and diversifying our credit portfolio. These policies and procedures, however, may not
prevent unexpected losses that could have a material and adverse effect on our financial condition
and results of operations. The Bank substantially increased its provision for credit losses in the
first six months of 2010 and in the years ended December&nbsp;31 2009, 2008 and 2007, as compared to
previous years, as a result of increases in historical loss factors, increased charge-offs and
migration of more loans into more adverse risk categories.
</DIV>
<DIV align="left" style="font-size: 10pt; margin-top: 6pt"><B><I>Our loan portfolio is predominantly secured by real estate and thus we have a higher degree of
risk from a downturn in our real estate markets.</I></B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A downturn in the real estate markets could hurt our business because many of our loans
are secured by real estate. Real estate values and real estate markets are generally affected by
changes in national, regional or local economic conditions, fluctuations in interest rates and the
availability of loans to potential purchasers, changes in tax laws and other governmental statutes,
regulations and policies and acts of nature, such as earthquakes and national disasters particular
to California. Substantially all of our real estate collateral is located in California. If real
estate values continue to decline, the value of real estate collateral securing our loans could be
significantly reduced. Our ability to recover on defaulted loans by foreclosing and selling the
real estate collateral would then be diminished and we would be more likely to suffer material
losses on defaulted loans.
</DIV>
<DIV align="left" style="font-size: 10pt; margin-top: 6pt"><B><I>We are exposed to risk of environmental liabilities with respect to properties to which we
take title.</I></B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In the course of our business, we may foreclose and take title to real estate, and could
be subject to environmental liabilities with respect to these properties. We may be held liable to
a governmental entity or to third parties for property damage, personal injury, investigation and
clean-up costs incurred by these parties in connection with environmental contamination, or may be
required to investigate or clean-up hazardous or toxic substances, or chemical releases at a
property. The costs associated with investigation or remediation activities could be substantial.
In addition, if we are the owner or former owner of a contaminated site, we may be subject to
common law claims by third parties based on damages and costs resulting from environmental
contamination emanating from the property. If we become subject to significant environmental
liabilities, our business, financial condition, results of operations and prospects could be
materially and adversely affected.
</DIV>

<P align="center" style="font-size: 10pt"><!-- Folio -->S-14<!-- /Folio -->
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">

<DIV align="left" style="font-size: 10pt; margin-top: 12pt"><B><I>Our earnings are affected by changing interest rates.</I></B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Changes in interest rates affect the level of loans, deposits and investments, the credit
profile of existing loans, the rates received on loans and securities and the rates paid on
deposits and borrowings. Significant fluctuations in interest rates may have a material adverse
effect on our financial condition and results of operations. The current historically low interest
rate environment caused by the response to the financial market crisis and the global economic
recession may affect our operating earnings negatively.
</DIV>
<DIV align="left" style="font-size: 10pt; margin-top: 6pt"><B><I>The impact of the Basel&nbsp;III on Hanmi Bank and Woori and potential changes or additions to those standards are uncertain.</I></B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Basel Committee is reconsidering regulatory-capital standards, supervisory and risk-management
requirements and additional disclosures to further strengthen the Basel&nbsp;II framework in response to recent worldwide economic developments.
The draft Basel&nbsp;III regulations include a narrower definition of
&#147;tier&nbsp;1 capital&#148; and increased tier&nbsp;1 capital requirements to be phased in over the next several years,
the introduction of a leverage ratio, a framework for counter-cyclical capital buffers, measures to limit counterparty credit
risk and short and medium term quantitative liquidity ratios. The Basel Committee also is reviewing the need for additional
capital, liquidity or other supervisory measures to reduce the externalities created by systemically important institutions.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt"><B><I>We are subject to government regulations that could limit or restrict our activities, which in
turn could adversely affect our operations.</I></B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The financial services industry is subject to extensive federal and state supervision and
regulation. Significant new laws, including the recent enactment of the Dodd-Frank Wall Street
Reform and Consumer Protection Act, changes in existing laws, or repeals of existing laws may cause
our results to differ materially from historical and projected performance. Further, federal
monetary policy, particularly as implemented through the Federal Reserve Board, significantly
affects credit conditions and a material change in these conditions could have a material adverse
affect on our financial condition and results of operations.
</DIV>
<DIV align="left" style="font-size: 10pt; margin-top: 6pt"><B><I>Competition may adversely affect our performance.</I></B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The banking and financial services businesses in our market areas are highly competitive.
We face competition in attracting deposits, making loans, and attracting and retaining employees.
The increasingly competitive environment is a result of changes in regulation, changes in
technology and product delivery systems, new competitors in the market, and the pace of
consolidation among financial services providers. Our results in the future may be materially and
adversely impacted depending upon the nature and level of competition.
</DIV>
<DIV align="left" style="font-size: 10pt; margin-top: 6pt"><B><I>We continually encounter technological change, and we may have fewer resources than many of
our competitors to continue to invest in technological improvements.</I></B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The financial services industry is undergoing rapid technological changes, with frequent
introductions of new technology-driven products and services. The effective use of technology
increases efficiency and enables financial institutions to better serve customers and to reduce
costs. Our future success will depend, in part, upon our ability to address the needs of our
clients by using technology to provide products and services that will satisfy client demands for
convenience, as well as to create additional efficiencies in our operations. Many of our
competitors have substantially greater resources to invest in technological improvements. We may
not be able to effectively implement new technology-driven products and services or be successful
in marketing these products and services to our customers.
</DIV>
<DIV align="left" style="font-size: 10pt; margin-top: 6pt"><B><I>We rely on communications, information, operating and financial control systems technology
from third-party service providers, and we may suffer an interruption in those systems.</I></B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;We rely heavily on third-party service providers for much of our communications,
information, operating and financial control systems technology, including our internet banking
services and data processing systems. Any failure or interruption of these services or systems or
breaches in security of these systems could result in failures or
</DIV>

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</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">
<DIV align="left" style="font-size: 10pt; margin-top: 6pt">interruptions in our customer relationship management, general ledger, deposit, servicing
and/or loan origination systems. The occurrence of any failures or interruptions may require us to
identify alternative sources of such services, and we cannot assure you that we could negotiate
terms that are as favorable to us, or could obtain services with similar functionality as found in
our existing systems without the need to expend substantial resources, if at all.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 12pt"><B><I>Negative publicity could damage our reputation.</I></B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Reputation risk, or the risk to our earnings and capital from negative publicity or public
opinion, is inherent in our business. Negative publicity or public opinion could adversely affect
our ability to keep and attract customers and expose us to adverse legal and regulatory
consequences. Negative public opinion could result from our actual or perceived conduct in any
number of activities, including lending practices, corporate governance, regulatory compliance,
mergers and acquisitions, and disclosure, sharing or inadequate protection of customer information,
and from actions taken by government regulators and community organizations in response to that
conduct.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt"><B><I>The price of our common stock may be volatile or may decline.</I></B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The trading price of our common stock may fluctuate widely because of a number of
factors, many of which are outside our control. In addition, the stock market is subject to
fluctuations in the share prices and trading volumes that affect the market prices of the shares of
many companies. These broad market fluctuations could adversely affect the market price of our
common stock. Among the factors that could affect our stock price are:
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>developments relating to the Woori investment;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>actual or anticipated quarterly fluctuations in our operating results and financial condition;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>changes in revenue or earnings estimates or publication of research reports and
recommendations by financial analysts;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>failure to meet analysts&#146; revenue or earnings estimates;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>speculation in the press or investment community;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>strategic actions by us or our competitors, such as acquisitions or restructurings;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>actions by institutional stockholders;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>fluctuations in the stock price and operating results of our competitors;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>general market conditions and, in particular, developments related to market conditions for
the financial services industry;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>proposed or adopted legislative or regulatory changes or developments;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>anticipated or pending investigations, proceedings or litigation that involve or affect us; or</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>domestic and international economic factors unrelated to our performance.</TD>
</TR>

</TABLE>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The stock market and, in particular, the market for financial institution stocks, has
experienced significant volatility recently. As a result, the market price of our common stock may
be volatile. In addition, the trading volume in our common stock may fluctuate more than usual and
cause significant price variations to occur. The trading price of the shares of our common stock
and the value of our other securities will depend on many factors, which may change from time to
time, including, without limitation, our financial condition, performance, creditworthiness and
prospects, future sales of our equity or equity-related securities, and other factors identified
above in &#147;Forward Looking Statements.&#148; Current levels of market volatility are unprecedented. The
capital and credit markets have been experiencing volatility and disruption for more than a year.
In recent months, the volatility
</DIV>

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</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">
<DIV align="left" style="font-size: 10pt; margin-top: 6pt">and disruption has reached unprecedented levels. In some cases, the markets have produced
downward pressure on stock prices and credit availability for certain issuers without regard to
those issuers&#146; underlying financial strength. A significant decline in our stock price could result
in substantial losses for individual stockholders and could lead to costly and disruptive
securities litigation and potential delisting from the NASDAQ Stock Market, Inc.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt"><B><I>Your share ownership may be diluted by the issuance of additional shares of our common stock
in the future.</I></B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In addition to the substantial dilution you will experience upon the completion of the
Woori transaction, your share ownership may be diluted by the issuance of additional shares of our
common stock in the future. First, we have adopted a stock option plan that provides for the
granting of stock options to our directors, executive officers and other employees. As of June&nbsp;30,
2010, 1,117,715 shares of our common stock were issuable under options granted in connection with
our stock option plans. In addition, 1,667,418 shares of our common stock are reserved for future
issuance to directors, officers and employees under our stock option plan. It is probable that the
stock options will be exercised during their respective terms if the fair market value of our
common stock exceeds the exercise price of the particular option. If the stock options are
exercised, your share ownership will be diluted. In addition, our Amended and Restated Certificate
of Incorporation authorizes the issuance of up to 500,000,000 shares of common stock. Our Amended
and Restated Certificate of Incorporation does not provide for preemptive rights to the holders of
our common stock. Any authorized but unissued shares are available for issuance by our Board of
Directors. As a result, if we issue additional shares of common stock to raise additional capital
or for other corporate purposes, you may be unable to maintain your pro rata ownership in the
Company.
</DIV>
<DIV align="left" style="font-size: 10pt; margin-top: 6pt"><B><I>Future sales of common stock by existing stockholders may have an adverse impact on the market
price of our common stock.</I></B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Sales of a substantial number of shares of our common stock in the public market, or the
perception that large sales could occur, including by Woori following completion of the transaction
with Woori could cause the market price of our common stock to decline or limit our future ability
to raise capital through an offering of equity securities.
</DIV>
<DIV align="left" style="font-size: 10pt; margin-top: 6pt"><B><I>Holders of our junior subordinated debentures have rights that are senior to those of our
stockholders.</I></B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;As of June&nbsp;30, 2010, we had outstanding $82.4&nbsp;million of trust preferred securities
issued by our subsidiary trusts. Payments of the principal and interest on the trust preferred
securities are conditionally guaranteed by us. The junior subordinated debentures underlying the
trust preferred securities are senior to our shares of common stock. As a result, we must make
payments on the junior subordinated debentures before any dividends can be paid on our common stock
and, in the event of our bankruptcy, dissolution or liquidation, the holders of the junior
subordinated debentures must be satisfied before any distributions can be made on our common stock.
We have the right to defer distributions on the junior subordinated debentures (and the related
trust preferred securities) for up to five years, during which time no dividends may be paid on our
common stock.
</DIV>
<DIV align="left" style="font-size: 10pt; margin-top: 6pt"><B><I>Anti-takeover provisions and state and federal law may limit the ability of another party to
acquire us, which could cause our stock price to decline.</I></B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Various provisions of our Amended and Restated Certificate of Incorporation and By-laws
could delay or prevent a third-party from acquiring us, even if doing so might be beneficial to our
stockholders. These provisions provide for, among other things, supermajority voting approval for
certain actions, limitation on large stockholders taking certain actions and the authorization to
issue &#147;blank check&#148; preferred stock by action of the Board of Directors acting alone, thus without
obtaining stockholder approval. The Bank Holding Company Act of 1956, as amended, and the Change in
Bank Control Act of 1978, as amended, together with federal regulations, require that, depending on
the particular circumstances, either Federal Reserve Bank approval must be obtained or notice must
be furnished to the Federal Reserve Bank and not disapproved prior to any person or entity
acquiring &#147;control&#148; of a state member bank, such as the Bank. These provisions may prevent a merger
or acquisition that would be attractive to stockholders and could limit the price investors would
be willing to pay in the future for our common stock.
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Subject to the limitations set forth in the securities purchase agreement with Woori regarding
a cash-out merger, following the completion of the transaction with Woori, Woori would control the
vote on any merger, sale of assets or other fundamental corporate transaction of the Company or
Hanmi Bank or the issuance of additional equity securities or incurrence of debt, in each case
without the approval of our other stockholders. It will also be impossible for a third party, other
than Woori, to obtain control of us through purchases of our common stock not beneficially owned or
controlled by Woori, which could have a negative impact on our stock price. If Woori were to sell
or transfer shares of our common stock as a block, another person or entity could become our
controlling stockholder, subject to any required regulatory approvals.
</DIV>
<DIV align="left" style="font-size: 10pt; margin-top: 6pt"><B><I>Our ability to use some or all of our net operating loss carryforwards may be impaired.</I></B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;There is a significant likelihood that the Offerings and/or the Woori investment will cause a
reduction in the value of our net operating loss carryforwards (&#147;NOLs&#148;) realizable for income tax
purposes. Section&nbsp;382 of the Internal Revenue Code imposes restrictions on the use of a
corporation&#146;s NOLs, as well as certain recognized built-in losses and other carryforwards, after an
&#147;ownership change&#148; occurs. A Section&nbsp;382 &#147;ownership change&#148; occurs if one or more stockholders or
groups of stockholders who own at least 5% of our stock increase their ownership by more than 50
percentage points over their lowest ownership percentage within a rolling three-year period. If an
&#147;ownership change&#148; occurs, Section&nbsp;382 would impose an annual limit on the amount of pre-change
NOLs and other losses we can use to reduce our taxable income generally equal to the product of the
total value of our outstanding equity immediately prior to the &#147;ownership change&#148; and the
applicable federal long-term tax-exempt interest rate for the month of the &#147;ownership change.
</DIV>
<DIV align="left" style="font-size: 10pt; margin-top: 6pt"><B><I>Implementation of the various provisions of the Dodd-Frank Act may increase our operating costs or
otherwise have a material affect on our business, financial condition or results of operations.</I></B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;On July&nbsp;21, 2010 President Obama signed the Dodd-Frank Wall Street Reform and Consumer
Protection Act financial reform legislation. This landmark legislation includes, among other
things, (i)&nbsp;the creation of a Financial Services Oversight Counsel to identify emerging systemic
risks and improve interagency cooperation; (ii)&nbsp;the elimination of the Office of Thrift Supervision
and the transfer of oversight of federally chartered thrift institutions and their holding
companies to the Office of the Comptroller of the Currency and the Federal Reserve; (iii)&nbsp;the
creation of a Consumer Financial Protection Agency authorized to promulgate and enforce consumer
protection regulations relating to financial products that would affect banks and non-bank finance
companies; (iv)&nbsp;the establishment of new capital and prudential standards for banks and bank
holding companies, including the elimination of the ability to treat trust preferred securities as
Tier 1 capital; (v)&nbsp;the termination of investments by the Treasury under the Troubled Assets Relief
Program (&#147;TARP&#148;); (vi)&nbsp;enhanced regulation of financial markets, including the derivatives,
securitization and mortgage origination markets; (vii)&nbsp;the elimination of certain proprietary
trading and private equity investment activities by banks; (viii)&nbsp;the elimination of barriers to de
novo interstate branching by banks; (ix)&nbsp;a permanent increase of the previously implemented
temporary increase of FDIC deposit insurance to $250,000; (x)&nbsp;the authorization of interest-bearing
transaction accounts and (xi)&nbsp;changes in the calculation of FDIC deposit insurance assessments will
be calculated and an increase in the minimum designated reserve ratio for the Deposit Insurance
Fund.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Certain provisions of the legislation are not immediately effective or are subject to required
studies and implementing regulations. Further, community banks with less than $10&nbsp;billion in assets
(less than $15&nbsp;billion with respect to trust preferred securities) are exempt from certain
provisions of the legislation. We cannot predict the how this significant new legislation may be
interpreted and enforced nor how implementing regulations and supervisory policies may affect us.
There can be no assurance that these or future reforms will not significantly increase our
compliance or operating costs or otherwise have a significant impact on our business, financial
condition and results of operations.
</DIV>

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</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">

<DIV align="left" style="font-size: 10pt; margin-top: 12pt"><B>Risks Related to the Warrants</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt"><B><I>There is no public market for the warrants to purchase common stock in this offering.</I></B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;There is no established public trading market for the warrants being offered in this offering,
and we do not expect a market to develop. In addition, we do not intend to apply for listing of the
warrants on any securities exchange or for quotation. Without an active market, the liquidity of
the warrants will be limited.
</DIV>
<DIV align="left" style="font-size: 10pt; margin-top: 6pt"><B><I>The warrants have limited transferability.</I></B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;To satisfy the requirements of certain exemptions from registration under the Securities Act
of 1933, as amended (the &#147;Securities Act&#148;), and to conform with applicable state securities laws,
there are significant limitations on the transferability of the warrants and Cappello must acquire
the warrants for investment purposes only and not with a view towards distribution. Consequently,
transfer and disposition of the warrants is limited. The certificates which evidence the warrants
will be inscribed with a printed legend which clearly describes the applicable restrictions on
transfer or resale by the holder thereof. Accordingly, in no event may such warrants be sold,
pledged, hypothecated, assigned or otherwise transferred unless in compliance with the terms and
conditions of the warrants themselves.
</DIV>
<DIV align="left" style="font-size: 10pt; margin-top: 6pt"><B><I>The holders of the warrants will have no rights as common stockholders until they acquire our
common stock.</I></B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Until the holders of the warrants acquire shares of our common stock upon exercise of the
warrants, they will have no rights with respect to our common stock, including voting rights,
rights to respond to tender offers and rights to receive any dividends or other distributions on
our common stock. Upon exercise of the warrant, the holders will be entitled to exercise the rights
of a common shareholder with regard to the shares received on such exercise only as to matters for
which the record date occurs after the relevant exercise date.
</DIV>

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</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">
<DIV align="left">
<A name="106"></A>
</DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>USE OF PROCEEDS</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;We did not receive any proceeds in connection with the issuance of the warrants to Cappello.
We may receive proceeds in the event some or all of the warrants are exercised for cash. Any
proceeds received from the exercise of the warrants will be used for working capital and general
corporate purposes. There can be no assurance that any of the holders will exercise their warrants
for cash or at all.
</DIV>
<DIV align="left">
<A name="107"></A>
</DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>DETERMINATION OF OFFERING PRICE</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;We established the exercise price of the warrants following negotiations with Cappello and
with reference to the price to be paid by Woori for the purchase of our common stock pursuant to
the Securities Purchase Agreement.
</DIV>
<DIV align="left">
<A name="108"></A>
</DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>DIVIDEND POLICY</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Our ability to pay dividends is subject to restrictions set forth in the Delaware General
Corporation Law. The Delaware General Corporation Law provides that a Delaware corporation may pay
dividends either (i)&nbsp;out of the Company&#146;s surplus (as defined by Delaware law), or (ii)&nbsp;if there is
no surplus, out of the Company&#146;s net profits for the fiscal year in which the dividend is declared
and/or the preceding fiscal year. In addition, since we have deferred interest on the subordinated
debentures issued in connection with our trust preferred securities, we are prohibited from paying
any dividends on our common stock until we are current on our interest payments.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;We have agreed with the Federal Reserve Bank that we will not pay any cash dividends to our
stockholders without its prior consent. Hanmi Bank is also required to seek prior approval from the
regulators to pay cash dividends to us. Our ability to pay dividends to our stockholders is also
directly dependent on the ability of Hanmi Bank to pay dividends to us. Section&nbsp;642 of the
California Financial Code provides that neither a California state-chartered bank nor a
majority-owned subsidiary of a bank can pay dividends to its stockholders in an amount which
exceeds the lesser of (a)&nbsp;the retained earnings of the bank or (b)&nbsp;the net income of the bank for
its last three fiscal years, in each case less the amount of any previous distributions made during
such period.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;As a result of net losses incurred by Hanmi Bank in recent years, Hanmi Bank is currently
not able to pay dividends to us under Section&nbsp;642. California Financial Code Section&nbsp;643 provides,
however, that, notwithstanding the foregoing restriction, dividends in an amount not exceeding the
greatest of (a)&nbsp;the retained earnings of the bank; (b)&nbsp;the net income of the bank for its last
fiscal year or (c)&nbsp;the net income of the bank for its current fiscal year, may be declared with the
prior approval of the California Commissioner of Financial Institutions. Hanmi Bank had an
accumulated deficit of $216.7&nbsp;million as of June&nbsp;30, 2010.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Due to net losses in 2009 and 2008, Federal Reserve Bank approval is required for payment
of dividends by Hanmi Bank to us. Federal Reserve Board, Regulation&nbsp;H, Section&nbsp;208.5, provides that
Hanmi Bank must obtain Federal Reserve Bank approval to declare and pay a dividend if the total of
all dividends declared during the calendar year, including the proposed dividend, exceeds the sum
of Hanmi Bank&#146;s net income during the current calendar year and the retained net income of the
prior two calendar years. On August&nbsp;29, 2008, we announced the suspension of our quarterly cash
dividend. As a result of the Final Order and the Written Agreement, we are required to obtain
regulatory approval prior to our declaration or Hanmi Bank&#146;s declaration of any dividends to our
respective stockholders.
</DIV>

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</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">
<DIV align="left">
<A name="109"></A>
</DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>DESCRIPTION OF SECURITIES</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 12pt"><B>General</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Our authorized capital stock consists of 510,000,000 shares, of which 500,000,000 shares are
common stock, par value $0.001 per share, and 10,000,000 shares are preferred stock, par value
$0.001 per share. Our outstanding shares of common stock are, and the warrants and shares of common
stock underlying the warrants to be issued in this offering will be, validly issued, fully paid and
non-assessable.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;As of October&nbsp;12, 2010, there were 151,198,390 shares of our common stock outstanding, held by
approximately 669 stockholders of record, and no shares of our preferred stock were outstanding. As
of October&nbsp;12, 2010, 1,078,491 shares of our common stock were reserved for issuance upon the
exercise of options that have been granted under our existing stock option plans and up to
4,000,000 shares of our common stock will be reserved for issuance upon the exercise of warrants to
be issued in this offering.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt"><B>Common Stock</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><I>Liquidation Rights</I></U>. Upon our liquidation, dissolution or winding up, the holders of
our common stock are entitled to receive, pro rata, our assets which are legally available for
distribution, after payment of all debts and other liabilities and subject to the prior rights of
any holders of preferred stock then outstanding (including holders of our junior subordinated
debentures).
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Our Board of Directors may approve for issuance, without approval of the holders of common
stock, preferred stock that has voting, dividend or liquidation rights superior to that of our
common stock and which may adversely affect the rights of holders of common stock. The issuance of
preferred stock, while providing flexibility in connection with possible acquisitions and other
corporate purposes, could, among other things, adversely affect the voting power of the holders of
common stock and could have the effect of delaying, deferring or preventing a change in control of
our company.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><I>Dividends and Other Distributions</I></U>. Subject to certain regulatory restrictions, we may
pay dividends out of our statutory surplus or from certain net profits if, as and when declared by
our Board of Directors. The holders of our common stock are entitled to receive and share equally
in dividends declared by our Board of Directors out of funds legally available for such dividends.
If we issue preferred stock in the future, the holders of that preferred stock may have a priority
over the holders of our common stock with respect to dividends.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;We are a bank holding company, and our primary source for the payment of dividends is
dividends from our direct, wholly-owned subsidiary, Hanmi Bank. Various banking laws applicable to
Hanmi Bank limit the payment of dividends, management fees and other distributions by Hanmi Bank to
us, and may therefore limit our ability to pay dividends on our common stock. On August&nbsp;29, 2008,
our Board of Directors announced its decision to suspend the quarterly cash dividend previously
paid on shares of our common stock. The most recent quarterly dividend of $0.03 per share was paid
on July&nbsp;21, 2008. In addition, on November&nbsp;2, 2009, the Board of Directors of Hanmi Bank consented
to the issuance of a Final Order from the California Department of Financial Institutions that
currently restricts the Bank from paying dividends without the prior approval of the department. In
addition, on November&nbsp;2, 2009, Hanmi Financial and Hanmi Bank entered into a Written Agreement that
restricts each of Hanmi Financial and Hanmi Bank from paying dividends without the prior approval
of the Federal Reserve Bank of San Francisco. Accordingly, our ability to pay dividends will be
restricted until these regulatory orders are lifted.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Under the terms of our trust preferred financings on January&nbsp;8, 2004, March&nbsp;15, 2004, and
April&nbsp;28, 2004, respectively, we cannot declare or pay any dividends or distributions on, or
redeem, purchase, acquire or make a liquidation payment with respect to, any shares of our capital
stock if (1)&nbsp;an event of default under such debt instrument has occurred and is continuing, or (2)
if we give notice of our election to begin an extension period whereby we may defer payment of
interest on the trust preferred securities for a period of up to twenty consecutive quarterly
interest payment periods. In October&nbsp;2008, our Board of Directors elected to defer quarterly
interest payments on its trust preferred securities until further notice. In addition, we are
currently restricted from making payments of principal or interest on our trust preferred
securities under the terms of our Written Agreement without the prior approval of the Federal
Reserve Bank of San Francisco.
</DIV>

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</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Any future determination relating to dividend policy will be made at the discretion of our
Board of Directors and will depend on a number of factors, including our future earnings, capital
requirements, financial condition, future prospects and such other factors as our Board of
Directors may deem relevant.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><I>Voting Rights</I></U>. The holders of our common stock currently possess exclusive voting
rights on matters that come before our stockholders. Our common stockholders elect our Board of
Directors and act on such other matters as are required to be presented to our stockholders under
Delaware law, our amended and restated certificate of incorporation or as may be otherwise
presented to our stockholders by our Board of Directors. Each outstanding share of our common stock
is entitled to one vote on all matters submitted to a vote of our stockholders. There is no
cumulative voting in the election of directors.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><I>Anti-Takeover Provisions</I></U>. Provisions of our amended and restated certificate of
incorporation and bylaws may have anti-takeover effects. These provisions may discourage attempts
by others to acquire control of Hanmi Financial Corporation without negotiation with our Board of
Directors. The effect of these provisions is discussed briefly below.
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD><I>Authorized Stock</I>. The shares of our common stock authorized by our
amended and restated certificate of incorporation but not issued
provide our Board of Directors with the flexibility to effect
financings, acquisitions, stock dividends, stock splits and stock-based
grants without the need for a stockholder vote. Our Board of Directors,
consistent with its fiduciary duties, could also authorize the issuance
of shares of preferred stock, and could establish voting, conversion,
liquidation and other rights for our preferred stock being issued, in
an effort to deter attempts to gain control of Hanmi Financial
Corporation.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD><I>Stockholder Action by Unanimous Written Consent. </I>Our amended and
restated certificate of incorporation prohibits stockholder action by
written consent. The purpose of this provision is to prevent any person
or persons holding the percentage of our voting stock otherwise
required to take corporate action from taking that action without
giving notice to other stockholders and without satisfying the
procedures required by our bylaws to hold a stockholder meeting.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD><I>Amendment of Certificate of Incorporation and Bylaws. </I>Our amended and
restated certificate of incorporation requires the approval of 66 2/3%
of our stockholders to amend certain of the provisions of our amended
and restated certificate of incorporation. This requirement is intended
to prevent a stockholder who controls a majority of our common stock
from avoiding the requirements of important provisions of our amended
and restated certificate of incorporation simply by amending or
repealing those provisions. Accordingly, the holders of a minority of
the shares of our common stock could block the future repeal or
modification of certain provisions of our amended and restated
certificate of incorporation, even if that action were deemed
beneficial by the holders of more than a majority, but less than 66
2/3%, of our common stock.</TD>
</TR>

</TABLE>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><I>Business Combination Provisions</I></U>. Our amended and restated certificate of incorporation
elects to be subject to the requirements of Section&nbsp;203 of the Delaware General Corporation Law.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;203 of the Delaware General Corporation Law generally prohibits business combinations,
including mergers, sales and leases of assets, issuances of securities and similar transactions by
a corporation or a subsidiary, with an interested stockholder, which is defined generally as
someone who beneficially owns 15% or more of a corporation&#146;s voting stock, within three years after
the person or entity becomes an interested stockholder, unless:
</DIV>


<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>either the business combination or the transaction that caused the
person to become an interested stockholder was approved by the Board of
Directors prior to the transaction;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>after the completion of the transaction in which the person becomes an
interested stockholder, the interested stockholder holds at least 85%
of the voting stock of the Company not including (a)&nbsp;shares held by
persons who are both officers and directors of the issuing corporation
and (b)&nbsp;shares held by specified </TD>
</TR>

</TABLE>
</DIV>
<P align="center" style="font-size: 10pt"><!-- Folio -->S-22<!-- /Folio -->
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">


<DIV style="margin-top: 6pt"><TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">
<TR valign="top" style="font-size: 10pt; color: #textcolor#; background: #bgcolor#">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>employee benefit plans; or</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>after the person becomes an interested stockholder, the business
combination is approved by the Board of Directors and holders of at
least 66 2/3% of the outstanding voting stock, excluding shares held by
the interested stockholder.</TD>
</TR>

</TABLE>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In addition to the foregoing, our amended and restated certificate of incorporation contains
heightened restrictions on business combinations with an interested stockholder or an affiliate of
any interested stockholder, which is defined generally as someone who is the beneficial owner of
10% or more of our capital stock or who is an affiliate of Hanmi Financial Corporation and who,
within the past two years, was the beneficial owner of 10% or more of our capital stock, unless:
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>the business combination is approved by the affirmative vote of not less than 66 2/3%
of the outstanding shares of voting stock; and</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>the business combination is approved by a majority of the voting power of all
outstanding shares of our voting stock, other than shares held by interested stockholders or
affiliates of interested stockholders.</TD>
</TR>

</TABLE>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A business combination may also be permitted under our amended and restated certificate of
incorporation if a majority of our disinterested directors have approved the business combination
and the business combination has been approved by the affirmative vote of our stockholders as
required by law. Alternatively, our amended and restated certificate of incorporation permits a
business combination if it has been approved by a majority of the voting power of all outstanding
shares of our voting common stock and if certain price considerations required by our amended and
restated certificate of incorporation have been satisfied.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The effect of Section&nbsp;203 of the Delaware General Corporation Law and the business combination
provisions of our amended and restated certificate of incorporation could have the effect of
preventing the acquisition of control of Hanmi Financial Corporation by an interested stockholder
or its affiliate, even though that interested stockholder or its affiliate would otherwise have the
ability to engage in the business combination.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><I>Preemptive Rights</I></U>. Holders of our common stock do not have preemptive rights with
respect to any shares that may be issued. Shares of our common stock are not subject to redemption.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><I>Listing</I></U>. Our common stock is listed on the Nasdaq Global Select Market under the
symbol &#147;HAFC.&#148;
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><I>Transfer Agent</I></U>. The transfer agent for our common stock is Computershare Limited. The
transfer agent&#146;s address is Computershare Investor Services, 250 Royall Street, Canton, MA 02021.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt"><B>Warrants</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt"><I>The material terms and provisions of the warrants
being offered pursuant to this prospectus
supplement and the accompanying prospectus are summarized below. This summary does not purport to
be complete and is subject, and qualified in its entirety by reference, to all the provisions of
the warrants.</I>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><I>General</I></U>. We are offering to Cappello warrants to purchase up to 4,000,000 shares of
our common stock. Two million of these warrants are being issued to Cappello in connection with
the services it provided to us as placement agent and as our financial adviser in connection with
the Offerings. We also may issue up to an additional two million warrants to Cappello in
connection with the services it provided to us as financial adviser in connection with the Woori
private placement, but only in the event we consummate the private placement. The warrants have an
exercise price of $1.20 per share, subject to adjustment as provided in the terms of the warrants.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><I>Exercisability</I></U><I>. </I>The warrants are exercisable, in whole or in part, at any time and
from time to time during the period commencing on the date of issuance (which is the date hereof)
and ending on the five year anniversary thereof. The warrants are exercisable for cash or on a
&#147;cashless exercise&#148; basis, if, at any time of exercise the holder of any warrant elects to receive
fewer shares of common stock upon exercise in lieu of paying the cash exercise price. The number of
shares to be issued upon exercise would be determined by a formula based on the total number
</DIV>

<P align="center" style="font-size: 10pt"><!-- Folio -->S-23<!-- /Folio -->
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">
<DIV align="left" style="font-size: 10pt; margin-top: 6pt">of shares with respect to which the warrants are being exercised, the then current market
price per share of our common stock and the applicable exercise price of the warrants. No holders
of the warrants will possess any rights as a stockholder under those warrants until the exercise
thereof.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><I>Exercise Price Adjustments</I></U><I>. </I>The exercise price and the number of shares underlying the
warrants are subject to appropriate adjustment in the event of stock splits, stock dividends on our
common stock, stock combinations or similar events affecting our common stock. In addition, in the
event we consummate any merger, consolidation, sale or other reorganization event in which our
common stock is converted into or exchanged for securities, cash or other property, then following
such event, the holders of the warrants will be entitled to receive upon exercise of the warrants
the kind and amount of securities, cash or other property which the holders would have received had
they exercised the warrants immediately prior to such reorganization event, or, if we are acquired
in an all-cash transaction, the holders of the warrants may elect to receive the cash value of the
number of shares underlying the warrants issuable upon a cashless exercise immediately prior to the
closing of such transaction.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><I>Fractional Shares</I></U><I>. </I>No fractional shares of common stock will be issued in connection
with the exercise of the warrants. In lieu of fractional shares, we will pay the holder an amount
in cash equal to the fractional amount multiplied by the market value of a share of common stock.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><I>Transferability</I></U><I>. </I>Notwithstanding the registration of the warrants pursuant to this
prospectus supplement, by contractual agreement the warrants are not transferable except to (i)&nbsp;any
partner, member, stockholder or owner of Cappello or Cappello Capital Group; (ii)&nbsp;an employee of
Cappello or Cappello Capital Group or (iii)&nbsp;a pension or profit-sharing fund established and
maintained for employees of Cappello or Cappello Group. Subject to the foregoing restrictions, the
warrants may be transferred, in whole or in part, in increments of 5,000 shares of common stock
underlying the warrants. Upon registration of the common stock underlying the warrants pursuant to
this prospectus supplement, and subject to applicable law, the common stock underlying the warrants
is freely transferable upon exercise of the warrants.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><I>Ownership Cap and Exercise Restrictions</I></U><I>. </I>Under the terms of the warrants at no time
may a holder of such warrant exercise the warrant if the acquisition of the number of shares being
purchased would result in the holder owning more than 9.9% (4.9% if such holder is a bank holding
company) of the common stock then outstanding, excluding for purposes of such determination shares
of common stock issuable upon exercise of the warrants that have not been exercised.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><I>Additional Provisions</I></U>. The above summary of certain terms and provisions of the
warrants is qualified in its entirety by reference to the detailed provisions of the warrants, the
form of which will be filed as an exhibit to a current report on Form 8-K that will be incorporated
herein by reference.
</DIV>

<P align="center" style="font-size: 10pt"><!-- Folio -->S-24<!-- /Folio -->
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">
<DIV align="left">
<A name="110"></A>
</DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>PLAN OF DISTRIBUTION</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Pursuant to the Placement Agreement dated June&nbsp;16, 2010 and our engagement letter dated
January&nbsp;15, 2010, as amended effective May&nbsp;20, 2010, each with Cappello (together, the &#147;Cappello
Agreements&#148;), we engaged Cappello to act as our exclusive placement agent and financial adviser in
connection with the Offerings and our financial adviser in connection with the Woori private
placement. The Placement Agreement with Cappello has been filed as an exhibit to our Current Report
on Form 8-K filed with the Securities and Exchange Commission on June&nbsp;16, 2010, which is
incorporated by reference into the registration statement of which this prospectus supplement forms
a part.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In accordance with the Cappello Agreements, we have agreed to pay Cappello a fee equal
to: (i)&nbsp;a cash fee equal to 2.75% of the gross proceeds of the Offerings; (ii)&nbsp;a cash fee equal to
1.0% of the gross proceeds of the Woori private placement; (iii)&nbsp;warrants equal to 2.0% of the
number of shares issued in the Offerings; and (iv)&nbsp;warrants equal to 1.0% of the number of shares
to be issued in the Woori private placement. The warrants are deemed earned at the time of
issuance. Based on the number of shares issued in the Offerings and assuming Woori purchases $240
million of our common stock in the private placement, we will issue to Cappello warrants to
purchase up to 4,000,000 shares of our common stock.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The estimated offering expenses payable by us in connection with this offering are
approximately $35,000, which includes legal and printing costs and various other fees associated
with registering and listing the common stock and registering the warrants. We did not receive any
proceeds in connection with the issuance of the warrants to Cappello. We may receive proceeds in
the event some or all of the warrants are exercised for cash. <U></U>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;We have agreed to indemnify Cappello and specified other persons against certain civil
liabilities, including liabilities under the Securities Act and the Securities Exchange Act of
1934, as amended, and to contribute to payments that Cappello may be required to make in respect of
such liabilities.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Notwithstanding the registration of the warrants pursuant to this prospectus supplement, by
contractual agreement, the warrants are not transferable except to (i)&nbsp;any partner, member,
stockholder or owner of Cappello or Cappello Capital Group; (ii)&nbsp;an employee of Cappello or
Cappello Capital Group or (iii)&nbsp;a pension or profit-sharing fund established and maintained for
employees of Cappello or Cappello Group. Subject to the foregoing restrictions, the warrants may
be transferred, in whole or in part, in increments of 5,000 shares of common stock underlying the
warrants. Upon registration of the common stock underlying the warrants pursuant to this
prospectus supplement, and subject to applicable law, the common stock underlying the warrants is
freely transferable upon exercise of the warrants. There is no current arrangement between
Cappello and any person with respect to the transfer of the warrants or the resale of any common
stock underlying the warrants.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The common stock underlying the warrants may be offered and sold from time to time as market
conditions permit, or otherwise, at prices and terms then prevailing or at prices related to the
then-current market price, or in negotiated transactions. The common stock may be sold by one or
more of the following methods, without limitation:
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>a block trade;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>ordinary brokerage transactions and transactions in which
the holder solicits purchasers; and</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>negotiated transactions between the holder and purchasers.</TD>
</TR>

</TABLE>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The warrants may be offered and sold from time to time in negotiated transactions, subject to
the limitations on transferability of the warrants described above.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;When making sales of our common stock, the holder thereof may arrange for brokers or dealers
to participate. These brokers or dealers may receive commissions or discounts from the holder of
the common stock in amounts to be negotiated. Each such broker-dealer or agent may be deemed an
underwriter within the meaning of Section&nbsp;2(a)(11) of the Securities Act. If the common stock is
sold through broker-dealers, the holder thereof will be
</DIV>

<P align="center" style="font-size: 10pt"><!-- Folio -->S-25<!-- /Folio -->
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">
<DIV align="left" style="font-size: 10pt; margin-top: 6pt">responsible for applicable discounts or commissions. The holder thereof also will pay any
other expenses associated with the sale of our common stock it acquires pursuant to the exercise of
the warrants.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Prior to the offering by us to Cappello described herein, Cappello and its affiliates did not
beneficially own any shares of our common stock.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;From time to time in the ordinary course of business, Cappello or its affiliates may in
the future engage in investment banking and/or other services with us for which they may receive
compensation, but we have no current agreement in place with Cappello.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The transfer agent for our common stock to be issued in this offering is Computershare
Limited. The transfer agent&#146;s address is Computershare Investor Services, 250 Royall Street,
Canton, MA 02021. We will act as transfer agent for the warrants being offered hereby.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Our common stock is traded on the NASDAQ Global Select Market under the symbol &#147;HAFC.&#148; The
warrants to purchase common stock issued to Cappello in this offering will not be eligible for
trading on any market.
</DIV>
<DIV align="left">
<A name="111"></A>
</DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>LEGAL MATTERS</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The validity of any securities offered by this prospectus supplement will be passed upon for
us by Manatt, Phelps &#038; Phillips, LLP, Los Angeles, California.
</DIV>
<DIV align="left">
<A name="112"></A>
</DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>INFORMATION INCORPORATED BY REFERENCE</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;We disclose important information to you by referring you to documents that we have
previously filed with the SEC or documents that we will file with the SEC in the future. The
information incorporated by reference is considered to be part of this prospectus supplement and
accompanying prospectus, and information in documents that we file later with the SEC will
automatically update and supersede information in this prospectus supplement and accompanying
prospectus. We incorporate by reference the documents listed below into this prospectus supplement
and accompanying prospectus, and any future filings made by us with the SEC under Section&nbsp;13(a),
13(c), 14 or 15(d) of the Exchange Act until the termination of the offerings covered by this
prospectus supplement and accompanying prospectus. We hereby incorporate by reference the following
documents:
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>our Annual Report on Form 10-K for the fiscal year ended December&nbsp;31, 2009, as amended;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>our Quarterly Reports on Form 10-Q for the fiscal quarters ended March&nbsp;31, 2010 and June&nbsp;30, 2010;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>our Definitive Proxy Statement on Schedule&nbsp;14A filed with the SEC on June&nbsp;16, 2010;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>our Current Reports on Form 8-K and amendments thereto filed with the SEC on March&nbsp;22, 2010, May
26, 2010, May&nbsp;28, 2010, June&nbsp;16, 2010, June&nbsp;18, 2010, June&nbsp;25, 2010, July&nbsp;7, 2010, July&nbsp;14, 2010,
July&nbsp;22, 2010, July&nbsp;27, 2010, August&nbsp;2, 2010 and October&nbsp;1, 2010 (other than the
portions of those documents not deemed to be filed); and</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>the Form 8-A12G Registration Statement filed with the SEC on April&nbsp;21, 2000, including any
amendment or report filed with the SEC for the purpose of updating this description.</TD>
</TR>

</TABLE>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;To the extent that any information contained in any report in Form 8-K or any exhibit
thereto, was or is furnished to, rather than filed with the SEC, such information or exhibit is
specifically not incorporated by reference. Any statement contained in a document incorporated or
deemed to be incorporated by reference in this prospectus supplement and accompanying prospectus is
modified or superseded for purposes of this prospectus supplement and accompanying prospectus to
the extent that a statement contained in this prospectus and accompanying prospectus or in any
other subsequently filed document that also is or is deemed to be incorporated by reference herein
modifies
</DIV>

<P align="center" style="font-size: 10pt"><!-- Folio -->S-26<!-- /Folio -->
</DIV>

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#tocpage">Table of Contents</A></H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">
<DIV align="left" style="font-size: 10pt; margin-top: 6pt">or supersedes such statement. Any statement so modified or superseded does not, except as so
modified or superseded, constitute a part of this prospectus supplement and accompanying
prospectus.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;You may request a copy of these filings, at no cost, by written or oral request made to
us at the following address or telephone number:
</DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 18pt">David Yang, Investor Relations Officer<BR>
Hanmi Financial Corporation<BR>
3660 Wilshire Boulevard, Penthouse Suite&nbsp;A<BR>
Los Angeles, California 90010<BR>
(213)&nbsp;427-5699
</DIV>

<DIV align="left">
<A name="113"></A>
</DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>WHERE YOU CAN FIND MORE INFORMATION</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;We file annual, quarterly and current reports, proxy statements and other information
with the SEC. You may read and copy any materials that we file with the SEC at the SEC&#146;s Public
Reference Room at 100 F Street, N.E., Washington, D.C. 20549. Please call the SEC at 1-800-SEC-0330
for more information about the operation of the public reference rooms. The SEC also maintains an
internet website, at www.sec.gov, that contains our filed reports, proxy and information statements
and other information that we file electronically with the SEC. Additionally, we make these filings
available, free of charge, on our website at www.hanmi.com as soon as reasonably practicable after
we electronically file such materials with, or furnish them to, the SEC. Except for those SEC
filings incorporated by reference in this prospectus supplement, none of the information contained
on, or that may be accessed through, our website is a prospectus or constitutes part of, or is
otherwise incorporated into, this prospectus supplement.
</DIV>


<P align="center" style="font-size: 10pt"><!-- Folio -->S-27<!-- /Folio -->
</DIV>



<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#tocpage">Table of Contents</A></H5><P>

<DIV style="width: 87%; margin-left: 6%"><!-- BEGIN PAGE WIDTH -->
<!-- XBRL Pagebreak End -->

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 0%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <B>PROSPECTUS</B>
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="center" style="margin-left: 0%; margin-right: 0%; text-indent: 0%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <IMG src="v57444v5645801.gif" alt="(HANMI FINANCIAL LOGO)">
</DIV>

<DIV style="margin-top: 3pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="center" style="margin-left: 0%; margin-right: 0%; text-indent: 0%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <B><FONT style="font-size: 24pt">HANMI FINANCIAL
    CORPORATION</FONT></B>
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="center" style="margin-left: 0%; margin-right: 0%; text-indent: 0%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <B><FONT style="font-size: 14pt">Up to $200,000,000<BR>
    Common Stock<BR>
    Preferred Stock<BR>
    Debt Securities<BR>
    Rights<BR>
    Warrants<BR>
    Depositary Shares<BR>
    Units</FONT></B>
</DIV>

<DIV style="margin-top: 3pt; font-size: 1pt">&nbsp;</DIV>

<CENTER style="font-size: 1pt; width: 18%; border-bottom: 1pt solid #000000"></CENTER>

<DIV style="margin-top: 3pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    We may from time to time offer and sell in one or more
    offerings, together or separately, any combination of the
    securities described in this prospectus. The aggregate initial
    offering price of the securities that we offer will not exceed
    $200,000,000.
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    We may offer and sell these securities on a delayed or
    continuous basis to or through one or more agents, underwriters
    or dealers as designated from time to time, directly to one or
    more purchasers, through a combination of these methods or any
    other method as provided in the applicable prospectus
    supplement. If any agents, dealers or underwriters are involved
    in the sale of any securities, the applicable prospectus
    supplement will set forth any applicable commissions or
    discounts.
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    At the time we offer securities, we will specify in an
    accompanying prospectus supplement the amount, price and
    specific terms of any securities offered. You should carefully
    read this prospectus, any applicable prospectus supplement and
    the documents incorporated by reference before you invest in our
    securities. This prospectus may not be used to sell securities
    unless accompanied by a prospectus supplement.
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    For additional information on the methods of sale, you should
    refer to the section entitled &#147;Plan of Distribution.&#148;
    The price to the public and the net proceeds we expect to
    receive from any such sale will also be set forth in a related
    prospectus supplement.
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    Our common stock is listed on the Nasdaq Global Select Market
    under the trading symbol &#147;HAFC.&#148;
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 5%; font-size: 12pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <B>Investing in our securities involves risks.&#160;&#160;Before
    buying our securities, you should carefully consider the risk
    factors discussed in the section entitled &#147;Risk
    Factors&#148; on page&#160;6 of this prospectus and in the
    sections entitled &#147;Risk Factors&#148; in our most recent
    Annual Report on
    <FONT style="white-space: nowrap">Form&#160;10-K</FONT>
    and in any quarterly report on
    <FONT style="white-space: nowrap">Form&#160;10-Q,</FONT>
    as well as in any prospectus supplements relating to specific
    offerings.</B>
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <B>Neither the Securities and Exchange Commission nor any state
    securities commission has approved or disapproved of these
    securities or passed upon the adequacy or accuracy of this
    prospectus. Any representation to the contrary is a criminal
    offense.</B>
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <B>These securities are not savings accounts, deposits or other
    obligations of any bank and are not insured or guaranteed by the
    Federal Deposit Insurance Corporation or any other governmental
    agency.</B>
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <B>This prospectus may not be used to sell securities unless
    accompanied by a prospectus supplement that contains a
    description of those securities.</B>
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="center" style="margin-left: 0%; margin-right: 0%; text-indent: 0%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    The date of this prospectus is November&#160;30, 2009
</DIV>
<!-- XBRL Pagebreak Begin -->

<P align="left" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">

</DIV><!-- END PAGE WIDTH -->
<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>

<DIV style="width: 87%; margin-left: 6%"><!-- BEGIN PAGE WIDTH -->
<!-- XBRL Pagebreak End -->

<DIV align="center" style="margin-left: 0%; margin-right: 0%; font-size: 10pt; font-family: Arial, Helvetica; color: #000000; background: #FFFFFF">

    <B><FONT style="font-family: 'Times New Roman', Times">TABLE OF
    CONTENTS</FONT></B>
</DIV>

<DIV style="margin-top: 12pt; font-size: 1pt">&nbsp;</DIV>
<DIV align="left">
<!-- TOC -->
</DIV>

<DIV align="left">
<A name="tocpage"></A>
</DIV>

<TABLE border="0" width="100%" align="center" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
<!-- Table Width Row BEGIN -->
<TR style="font-size: 1pt" valign="bottom">
    <TD width="96%">&nbsp;</TD>	<!-- colindex=01 type=maindata -->
    <TD width="2%">&nbsp;</TD>	<!-- colindex=02 type=gutter -->
    <TD width="1%">&nbsp;</TD>	<!-- colindex=02 type=quadleft -->
    <TD width="1%">&nbsp;</TD>	<!-- colindex=02 type=maindata -->
    <TD width="1%">&nbsp;</TD>	<!-- colindex=02 type=quadright -->
</TR>
<!-- Table Width Row END -->
<!-- TableOutputHead -->
<!-- TableOutputBody -->
<TR valign="bottom">
<TD align="left" valign="bottom">
<DIV style="text-indent: -10pt; margin-left: 10pt">
    <A HREF='#101'>About this prospectus</A>
</DIV>
</TD>
<TD>
&nbsp;
</TD>
<TD>&nbsp;
</TD>
<TD nowrap align="right" valign="bottom">
    1
</TD>
<TD>&nbsp;
</TD>
</TR>
<TR valign="bottom">
<TD align="left" valign="bottom">
<DIV style="text-indent: -10pt; margin-left: 10pt">
    <A HREF='#102'>Incorporation of certain information by
    reference</A>
</DIV>
</TD>
<TD>
&nbsp;
</TD>
<TD>&nbsp;
</TD>
<TD nowrap align="right" valign="bottom">
    2
</TD>
<TD>&nbsp;
</TD>
</TR>
<TR valign="bottom">
<TD align="left" valign="bottom">
<DIV style="text-indent: -10pt; margin-left: 10pt">
    <A HREF='#103'>Where you can find more information</A>
</DIV>
</TD>
<TD>
&nbsp;
</TD>
<TD>&nbsp;
</TD>
<TD nowrap align="right" valign="bottom">
    2
</TD>
<TD>&nbsp;
</TD>
</TR>
<TR valign="bottom">
<TD align="left" valign="bottom">
<DIV style="text-indent: -10pt; margin-left: 10pt">
    <A HREF='#104'>Forward-looking and cautionary statements</A>
</DIV>
</TD>
<TD>
&nbsp;
</TD>
<TD>&nbsp;
</TD>
<TD nowrap align="right" valign="bottom">
    3
</TD>
<TD>&nbsp;
</TD>
</TR>
<TR valign="bottom">
<TD align="left" valign="bottom">
<DIV style="text-indent: -10pt; margin-left: 10pt">
    <A HREF='#105'>Hanmi Financial Corporation</A>
</DIV>
</TD>
<TD>
&nbsp;
</TD>
<TD>&nbsp;
</TD>
<TD nowrap align="right" valign="bottom">
    4
</TD>
<TD>&nbsp;
</TD>
</TR>
<TR valign="bottom">
<TD nowrap align="left" valign="bottom">
<DIV style="text-indent: -10pt; margin-left: 10pt">
    <A HREF='#106'>Risk factors</A>
</DIV>
</TD>
<TD>
&nbsp;
</TD>
<TD>&nbsp;
</TD>
<TD nowrap align="right" valign="bottom">
    6
</TD>
<TD>&nbsp;
</TD>
</TR>
<TR valign="bottom">
<TD align="left" valign="bottom">
<DIV style="text-indent: -10pt; margin-left: 10pt">
    <A HREF='#107'>Use of proceeds</A>
</DIV>
</TD>
<TD>
&nbsp;
</TD>
<TD>&nbsp;
</TD>
<TD nowrap align="right" valign="bottom">
    6
</TD>
<TD>&nbsp;
</TD>
</TR>
<TR valign="bottom">
<TD align="left" valign="bottom">
<DIV style="text-indent: -10pt; margin-left: 10pt">
    <A HREF='#108'>Ratios of earnings to fixed charges</A>
</DIV>
</TD>
<TD>
&nbsp;
</TD>
<TD>&nbsp;
</TD>
<TD nowrap align="right" valign="bottom">
    6
</TD>
<TD>&nbsp;
</TD>
</TR>
<TR valign="bottom">
<TD align="left" valign="bottom">
<DIV style="text-indent: -10pt; margin-left: 10pt">
    <A HREF='#109'>Description of Capital stock</A>
</DIV>
</TD>
<TD>
&nbsp;
</TD>
<TD>&nbsp;
</TD>
<TD nowrap align="right" valign="bottom">
    7
</TD>
<TD>&nbsp;
</TD>
</TR>
<TR valign="bottom">
<TD align="left" valign="bottom">
<DIV style="text-indent: -10pt; margin-left: 10pt">
    <A HREF='#110'>Description of Securities We May Offer</A>
</DIV>
</TD>
<TD>
&nbsp;
</TD>
<TD>&nbsp;
</TD>
<TD nowrap align="right" valign="bottom">
    10
</TD>
<TD>&nbsp;
</TD>
</TR>
<TR valign="bottom">
<TD align="left" valign="bottom">
<DIV style="text-indent: -10pt; margin-left: 10pt">
    <A HREF='#111'>Plan of distribution</A>
</DIV>
</TD>
<TD>
&nbsp;
</TD>
<TD>&nbsp;
</TD>
<TD nowrap align="right" valign="bottom">
    17
</TD>
<TD>&nbsp;
</TD>
</TR>
<TR valign="bottom">
<TD nowrap align="left" valign="bottom">
<DIV style="text-indent: -10pt; margin-left: 10pt">
    <A HREF='#112'>Legal matters</A>
</DIV>
</TD>
<TD>
&nbsp;
</TD>
<TD>&nbsp;
</TD>
<TD nowrap align="right" valign="bottom">
    19
</TD>
<TD>&nbsp;
</TD>
</TR>
<TR valign="bottom">
<TD nowrap align="left" valign="bottom">
<DIV style="text-indent: -10pt; margin-left: 10pt">
    <A HREF='#113'>Experts</A>
</DIV>
</TD>
<TD>
&nbsp;
</TD>
<TD>&nbsp;
</TD>
<TD nowrap align="right" valign="bottom">
    19
</TD>
<TD>&nbsp;
</TD>
</TR>
</TABLE>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 0%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">

</DIV>

<DIV align="left">
<!-- /TOC -->
</DIV>
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<P align="left" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">

</DIV><!-- END PAGE WIDTH -->
<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#tocpage">Table of Contents</A></H5><P>

<DIV style="width: 87%; margin-left: 6%"><!-- BEGIN PAGE WIDTH -->
<!-- XBRL Pagebreak End -->

<A name='101'>
<DIV style="margin-top: 18pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="center" style="margin-left: 0%; margin-right: 0%; font-size: 10pt; font-family: Arial, Helvetica; color: #000000; background: #FFFFFF">

    <B><FONT style="font-family: 'Times New Roman', Times">ABOUT
    THIS PROSPECTUS</FONT></B>
</DIV>
</A>
<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    This prospectus is part of a registration statement on
    <FONT style="white-space: nowrap">Form&#160;S-3</FONT>
    that we filed with the Securities and Exchange Commission, or
    the SEC, using a &#147;shelf&#148; registration or continuous
    offering process. By using a shelf registration statement, we
    may, from time to time, sell any combination of the securities
    described in this prospectus in one or more offerings having an
    initial aggregate offering price of up to $200,000,000.
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    We may offer the following securities from time to time:
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">

<TR>
    <TD width="4%"></TD>
    <TD width="2%"></TD>
    <TD width="94%"></TD>
</TR>

<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    common stock;
</TD>
</TR>


<TR style="line-height: 6pt; font-size: 1pt"><TD>&nbsp;</TD></TR>


<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    preferred stock;
</TD>
</TR>


<TR style="line-height: 6pt; font-size: 1pt"><TD>&nbsp;</TD></TR>


<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    debt securities;
</TD>
</TR>


<TR style="line-height: 6pt; font-size: 1pt"><TD>&nbsp;</TD></TR>


<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    rights;
</TD>
</TR>


<TR style="line-height: 6pt; font-size: 1pt"><TD>&nbsp;</TD></TR>


<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    warrants;
</TD>
</TR>


<TR style="line-height: 6pt; font-size: 1pt"><TD>&nbsp;</TD></TR>


<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    depositary shares; and
</TD>
</TR>


<TR style="line-height: 6pt; font-size: 1pt"><TD>&nbsp;</TD></TR>


<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    units.
</TD>
</TR>

</TABLE>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    We may also issue securities upon conversion or exercise of or
    in exchange for any of the securities listed above.
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    This prospectus provides you with a general description of each
    of the securities we may offer. Each time we offer and sell any
    of these securities, we will provide a prospectus supplement
    that contains specific information about the terms of that
    offering. The prospectus supplement may also add, update or
    change information contained in this prospectus. If there is any
    inconsistency between the information in this prospectus and
    each prospectus supplement, you should rely on the information
    in that prospectus supplement. Before purchasing any of our
    securities, you should carefully read both this prospectus and
    each applicable prospectus supplement together with the
    additional information described under the headings
    <I>&#147;Where You Can Find More Information&#148; </I>and
    <I>&#147;Incorporation of Certain Information by
    Reference.&#148;</I>
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    The registration statement containing this prospectus, including
    exhibits to the registration statement, provides additional
    information about us and the securities that may be offered
    under this prospectus. The exhibits to our registration
    statement contain the full text of certain contracts and other
    important documents we have summarized in this prospectus.
    Because these summaries may not contain all the information that
    you may find important in deciding whether to purchase the
    securities we offer, you should review the full text of these
    documents. The registration statement and exhibits may be
    obtained and read at the SEC Internet website (www.sec.gov) or
    at the SEC office mentioned under the heading <I>&#147;Where You
    Can Find More Information.&#148; </I>You should rely only on the
    information contained or incorporated by reference in this
    prospectus and any prospectus supplement. We have not authorized
    any other person to provide you with different information. If
    anyone provides you with different or inconsistent information,
    you should not rely on it. This prospectus and any applicable
    prospectus supplement may only be used where it is legal to sell
    these securities, and we will not make an offer to sell these
    securities in any jurisdiction where the offer or sale is not
    permitted. You should assume that the information appearing in
    this prospectus, as well as information we previously filed with
    the SEC and have incorporated by reference, is accurate as of
    the date on the front cover of this prospectus only. Our
    business, financial condition, results of operations and
    prospects may have changed since that date.
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    We may sell securities to underwriters who will sell the
    securities to the public on terms fixed at the time of sale. In
    addition, the securities may be sold by us directly or through
    dealers or agents designated from time to time. If we, directly
    or through agents, solicit offers to purchase the securities, we
    reserve the sole right to accept and, together with our agents,
    to reject, in whole or in part, any of those offers.
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    The prospectus supplement will contain the names of the
    underwriters, dealers, or agents, if any, together with the
    terms of offering, the compensation of those underwriters,
    dealers, or agents, and the net proceeds to us. Any
    underwriters, dealers, or agents participating in the offering
    may be deemed &#147;underwriters&#148; within the meaning of the
    Securities Act of 1933, as amended, or the Securities Act.
</DIV>
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<P align="center" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <BR>
    1
</DIV><!-- END PAGE WIDTH -->
<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#tocpage">Table of Contents</A></H5><P>

<DIV style="width: 87%; margin-left: 6%"><!-- BEGIN PAGE WIDTH -->
<!-- XBRL Pagebreak End -->

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    In this prospectus, we refer to common stock, preferred stock,
    debt securities, rights, warrants, depositary shares and units
    collectively as &#147;securities.&#148; The terms
    &#147;we,&#148; &#147;us,&#148; and &#147;our&#148; refer to
    Hanmi Financial Corporation, and our consolidated subsidiaries,
    unless otherwise stated or the context otherwise requires. The
    terms &#147;our banking subsidiary&#148; or &#147;the Bank&#148;
    refer to Hanmi Bank, unless otherwise stated or the context
    otherwise requires.
</DIV>

<A name='102'>
<DIV style="margin-top: 18pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="center" style="margin-left: 0%; margin-right: 0%; font-size: 10pt; font-family: Arial, Helvetica; color: #000000; background: #FFFFFF">

    <B><FONT style="font-family: 'Times New Roman', Times">INCORPORATION
    OF CERTAIN INFORMATION BY REFERENCE</FONT></B>
</DIV>
</A>
<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    The SEC allows us to &#147;incorporate by reference&#148; into
    this prospectus much of the information that we file with the
    SEC. This means that we can disclose important information to
    you by referring you to another document without restating the
    information in this document. Any information incorporated by
    reference into this prospectus is considered to be part of this
    prospectus from the date we file that document. Any information
    filed by us with the SEC after the date of this prospectus will
    automatically update and, where applicable, supersede any
    information contained in this prospectus or previously
    incorporated by reference in this prospectus.
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    We incorporate by reference into this prospectus the following
    documents or information that we previously filed with the SEC
    (other than, in each case, documents or information deemed to
    have been furnished and not filed in accordance with SEC rules):
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">

<TR>
    <TD width="4%"></TD>
    <TD width="2%"></TD>
    <TD width="94%"></TD>
</TR>

<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    Our Annual Report on
    <FONT style="white-space: nowrap">Form&#160;10-K</FONT>
    for the year ended December&#160;31, 2008 (as amended on
    April&#160;9, 2009);
</TD>
</TR>


<TR style="line-height: 6pt; font-size: 1pt"><TD>&nbsp;</TD></TR>


<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    Our Quarterly Reports on
    <FONT style="white-space: nowrap">Form&#160;10-Q</FONT>
    for the quarters ended March&#160;31, 2009 (as amended on
    August&#160;17, 2009), June&#160;30, 2009 and September&#160;30,
    2009;
</TD>
</TR>


<TR style="line-height: 6pt; font-size: 1pt"><TD>&nbsp;</TD></TR>


<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    Our Current Reports on
    <FONT style="white-space: nowrap">Form&#160;8-K</FONT>
    filed with the SEC on February&#160;5, 2009, February&#160;18,
    2009, April&#160;6, 2009 (as amended on April&#160;24, 2009),
    May&#160;11, 2009, June&#160;2, 2009, June&#160;5, 2009,
    June&#160;15, 2009, August&#160;3, 2009, August&#160;6, 2009,
    September&#160;8, 2009, September&#160;15, 2009, October&#160;2,
    2009, October&#160;16, 2009 and November&#160;5, 2009;&#160;and
</TD>
</TR>


<TR style="line-height: 6pt; font-size: 1pt"><TD>&nbsp;</TD></TR>


<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    The description of our capital stock set forth in our
    registration statement on
    <FONT style="white-space: nowrap">Form&#160;8-A,</FONT>
    and all amendments thereto, filed with the SEC on April&#160;21,
    2000.
</TD>
</TR>

</TABLE>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    These documents contain important information about our business
    and our financial performance.
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    We also incorporate by reference any future filings we make with
    the SEC pursuant to Sections&#160;13(a), 13(c), 14 or 15(d) of
    the Securities Exchange Act of 1934, as amended, or the Exchange
    Act, on or after the date of the filing of the registration
    statement and prior to the termination of the offering (except
    for information furnished to the SEC that is not deemed to be
    &#147;filed&#148; for purposes of the Securities Exchange Act).
    Our future filings with the SEC will automatically update and
    supersede any inconsistent information in this prospectus.
</DIV>

<A name='103'>
<DIV style="margin-top: 18pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="center" style="margin-left: 0%; margin-right: 0%; font-size: 10pt; font-family: Arial, Helvetica; color: #000000; background: #FFFFFF">

    <B><FONT style="font-family: 'Times New Roman', Times">WHERE YOU
    CAN FIND MORE INFORMATION</FONT></B>
</DIV>
</A>
<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    We will provide to each person, including any beneficial owner,
    to whom a copy of this prospectus is delivered, a copy of any or
    all of the information or documents that we have incorporated by
    reference into this prospectus. We will provide this information
    upon written or oral request at no cost to the requester. You
    may request this information by contacting our corporate
    headquarters at the following address and telephone number:
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="center" style="margin-left: 0%; margin-right: 0%; text-indent: 0%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    David Yang
</DIV>

<DIV align="center" style="margin-left: 0%; margin-right: 0%; text-indent: 0%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    Investor Relations Officer
</DIV>

<DIV align="center" style="margin-left: 0%; margin-right: 0%; text-indent: 0%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    Hanmi Financial Corporation
</DIV>

<DIV align="center" style="margin-left: 0%; margin-right: 0%; text-indent: 0%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    3660 Wilshire Boulevard, Penthouse Suite&#160;A
</DIV>

<DIV align="center" style="margin-left: 0%; margin-right: 0%; text-indent: 0%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    Los Angeles, California 90010
</DIV>

<DIV align="center" style="margin-left: 0%; margin-right: 0%; text-indent: 0%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <FONT style="white-space: nowrap">(213)&#160;382-2200</FONT>
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    Any statement made in this prospectus concerning the contents of
    any contract, agreement or other document is only a summary of
    the actual document. You may obtain a copy of any document
    summarized in this prospectus at no cost by writing to or
    telephoning us at the address and telephone number given above.
    Each statement regarding a contract, agreement or other document
    is qualified in its entirety by reference to the actual document.
</DIV>
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<P align="center" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <BR>
    2
</DIV><!-- END PAGE WIDTH -->
<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#tocpage">Table of Contents</A></H5><P>

<DIV style="width: 87%; margin-left: 6%"><!-- BEGIN PAGE WIDTH -->
<!-- XBRL Pagebreak End -->

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    We file annual, quarterly and current reports, proxy statements
    and other information with the SEC. You may read and copy, at
    prescribed rates, any documents we have filed with the SEC at
    its Public Reference Room located at 100&#160;F&#160;Street,
    N.E., Washington,&#160;D.C. 20549. You may obtain information on
    the operation of the Public Reference Room by calling the SEC at
    <FONT style="white-space: nowrap">1-800-SEC-0330.</FONT>
    We also file these documents with the SEC electronically. You
    can access the electronic versions of these filings on the
    SEC&#146;s Internet website found at
    <U><FONT style="white-space: nowrap">http://www.sec.gov</FONT></U>
    and our website: <U>www.hanmi.com</U> (the other information
    contained in, or that can be accessed through, our website is
    not a part of this prospectus or any prospectus supplement).
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    We have filed a registration statement on
    <FONT style="white-space: nowrap">Form&#160;S-3</FONT>
    under the Securities Act of 1933, as amended, with the SEC with
    respect to the securities to be sold hereunder. This prospectus
    has been filed as part of that registration statement. This
    prospectus does not contain all of the information set forth in
    the registration statement because certain parts of the
    registration statement are omitted in accordance with the rules
    and regulations of the SEC. The registration statement is
    available for inspection and copy as set forth above.
</DIV>

<A name='104'>
<DIV style="margin-top: 18pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="center" style="margin-left: 0%; margin-right: 0%; font-size: 10pt; font-family: Arial, Helvetica; color: #000000; background: #FFFFFF">

    <B><FONT style="font-family: 'Times New Roman', Times">FORWARD-LOOKING
    AND CAUTIONARY STATEMENTS</FONT></B>
</DIV>
</A>
<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    This prospectus, any accompanying prospectus supplements and the
    documents incorporated by reference in this prospectus contain
    statements that are &#147;forward-looking statements&#148;
    within the meaning of Section&#160;27A of the Securities Act and
    Section&#160;21E of the Exchange Act. Forward-looking statements
    discuss future expectations, describe future plans and
    strategies, contain projections of results of operations or of
    financial condition or state other forward-looking information.
    Forward-looking statements are generally identifiable by the use
    of forward-looking terminology such as &#147;anticipate,&#148;
    &#147;believe,&#148; &#147;continue,&#148; &#147;could,&#148;
    &#147;would,&#148; &#147;endeavor,&#148; &#147;estimate,&#148;
    &#147;expect,&#148; &#147;forecast,&#148; &#147;goal,&#148;
    &#147;intend,&#148; &#147;may,&#148; &#147;objective,&#148;
    &#147;potential,&#148; &#147;plan,&#148; &#147;predict,&#148;
    &#147;project,&#148; &#147;seek,&#148; &#147;should,&#148;
    &#147;will&#148; or the negative such terms and other similar
    words and expressions of future intent.
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    Our ability to predict results or the actual effect of future
    plans or strategies is inherently uncertain. Although we believe
    that the expectations reflected in such forward-looking
    statements are based on reasonable assumptions, our actual
    results and performance could differ materially from those set
    forth in the forward-looking statements. By their nature,
    forward-looking statements are subject to numerous assumptions,
    risks and uncertainties. A number of factors could cause actual
    conditions, events or results to differ significantly from those
    described in the forward-looking statements. These factors
    include, but are not limited to, those which may be set forth in
    any accompanying prospectus supplement and those included in our
    Annual Report on
    <FONT style="white-space: nowrap">Form&#160;10-K</FONT>
    and our Quarterly Reports on
    <FONT style="white-space: nowrap">Form&#160;10-Q,</FONT>
    and other factors described in our periodic reports filed from
    time to time with the SEC. Factors that could cause actual
    results and performance to differ from those expressed in our
    forward-looking statements we make or incorporate by reference
    in this prospectus include, but are not limited to:
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">

<TR>
    <TD width="4%"></TD>
    <TD width="2%"></TD>
    <TD width="94%"></TD>
</TR>

<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    failure to maintain adequate levels of capital and liquidity to
    support our operations could effect the ability of the Bank to
    continue as a going concern;
</TD>
</TR>


<TR style="line-height: 6pt; font-size: 1pt"><TD>&nbsp;</TD></TR>


<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    a significant number of our customers failing to perform under
    their loans and other terms of credit agreements;
</TD>
</TR>


<TR style="line-height: 6pt; font-size: 1pt"><TD>&nbsp;</TD></TR>


<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    the effect of regulatory orders we have entered into and
    potential future regulatory enforcement action against us or the
    Bank;
</TD>
</TR>


<TR style="line-height: 6pt; font-size: 1pt"><TD>&nbsp;</TD></TR>


<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    fluctuations in interest rates and a decline in the level of our
    interest rate spread;
</TD>
</TR>


<TR style="line-height: 6pt; font-size: 1pt"><TD>&nbsp;</TD></TR>


<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    failure to attract or retain deposits;
</TD>
</TR>


<TR style="line-height: 6pt; font-size: 1pt"><TD>&nbsp;</TD></TR>


<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    sources of liquidity available to us and to the Bank becoming
    limited or our potential inability to access sufficient sources
    of liquidity when needed or the requirement that we obtain
    government waivers to do so;
</TD>
</TR>


<TR style="line-height: 6pt; font-size: 1pt"><TD>&nbsp;</TD></TR>


<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    adverse changes in domestic or global financial markets,
    economic conditions or business conditions or the effects of
    pandemic flu;
</TD>
</TR>


<TR style="line-height: 6pt; font-size: 1pt"><TD>&nbsp;</TD></TR>


<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    regulatory restrictions on the Bank&#146;s ability to pay
    dividends to us and on our ability to make payments on Hanmi
    Financial obligations;
</TD>
</TR>

</TABLE>
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<P align="center" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <BR>
    3
</DIV><!-- END PAGE WIDTH -->
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<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#tocpage">Table of Contents</A></H5><P>

<DIV style="width: 87%; margin-left: 6%"><!-- BEGIN PAGE WIDTH -->
<!-- XBRL Pagebreak End -->

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">

<TR>
    <TD width="4%"></TD>
    <TD width="2%"></TD>
    <TD width="94%"></TD>
</TR>

<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    significant reliance on loans secured by real estate and the
    associated vulnerability to downturns in the local real estate
    market, natural disasters and other variables impacting the
    value of real estate;
</TD>
</TR>


<TR style="line-height: 6pt; font-size: 1pt"><TD>&nbsp;</TD></TR>


<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    failure to retain our key employees;
</TD>
</TR>


<TR style="line-height: 6pt; font-size: 1pt"><TD>&nbsp;</TD></TR>


<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    failure to maintain our status as a financial holding company;
</TD>
</TR>


<TR style="line-height: 6pt; font-size: 1pt"><TD>&nbsp;</TD></TR>


<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    adequacy of our allowance for loan losses;
</TD>
</TR>


<TR style="line-height: 6pt; font-size: 1pt"><TD>&nbsp;</TD></TR>


<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    credit quality and the effect of credit quality on our provision
    for credit losses and allowance for loan losses;
</TD>
</TR>


<TR style="line-height: 6pt; font-size: 1pt"><TD>&nbsp;</TD></TR>


<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    failure to manage our future growth or successfully integrate
    acquisitions;
</TD>
</TR>


<TR style="line-height: 6pt; font-size: 1pt"><TD>&nbsp;</TD></TR>


<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    volatility and disruption in financial, credit and securities
    markets, and the price of our common stock;
</TD>
</TR>


<TR style="line-height: 6pt; font-size: 1pt"><TD>&nbsp;</TD></TR>


<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    deterioration in the financial markets that may result in
    other-than-temporary impairment charges relating to our
    securities portfolio;
</TD>
</TR>


<TR style="line-height: 6pt; font-size: 1pt"><TD>&nbsp;</TD></TR>


<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    competition in our primary market areas;
</TD>
</TR>


<TR style="line-height: 6pt; font-size: 1pt"><TD>&nbsp;</TD></TR>


<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    demographic changes in our primary market areas; and
</TD>
</TR>


<TR style="line-height: 6pt; font-size: 1pt"><TD>&nbsp;</TD></TR>


<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    significant government regulations, legislation and potential
    changes thereto.
</TD>
</TR>

</TABLE>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    The cautionary statements in this prospectus, any accompanying
    prospectus supplement and any documents incorporated by
    reference herein also identify important factors and possible
    events that involve risk and uncertainties that could cause our
    actual results to differ materially from those contained in the
    forward-looking statements. These forward-looking statements
    speak only as of the date on which the statements were made. We
    do not intend, and undertake no obligation, to update or revise
    any forward-looking statements contained in this prospectus,
    whether as a result of differences in actual results, changes in
    assumptions or changes in other factors affecting such
    statements, except as required by law.
</DIV>

<A name='105'>
<DIV style="margin-top: 18pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="center" style="margin-left: 0%; margin-right: 0%; font-size: 10pt; font-family: Arial, Helvetica; color: #000000; background: #FFFFFF">

    <B><FONT style="font-family: 'Times New Roman', Times">HANMI
    FINANCIAL CORPORATION</FONT></B>
</DIV>
</A>
<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    We are a Delaware corporation, incorporated on March&#160;14,
    2000 for the purpose of becoming a holding company for Hanmi
    Bank. We became a registered holding company for Hanmi Bank in
    June 2000, and thereafter have been subject to the Bank Holding
    Company Act of 1956, as amended, or the &#147;BHCA.&#148; Also
    in 2000, we elected to become a &#147;financial holding
    company&#148; under the BHCA.
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    We are a diversified financial holding company offering a broad
    array of financial services through our wholly-owned banking
    subsidiary, Hanmi Bank, and our wholly-owned insurance agency
    subsidiaries, Chun-Ha Insurance Services, Inc., or
    &#147;Chun-Ha,&#148; and All World Insurance Services, Inc., or
    &#147;All World.&#148; As of September&#160;30, 2009, we had, on
    an unaudited, consolidated basis, total assets of
    $3.5&#160;billion, net loans receivable of $2.8&#160;billion,
    investment securities available for sale of $205.0&#160;million,
    total deposits of $3.0&#160;billion, and stockholders&#146;
    equity of $187.1&#160;million.
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    Hanmi Bank, our primary subsidiary, is a state chartered bank
    that was incorporated under the laws of the State of California
    on August&#160;24, 1981. Hanmi Bank&#146;s deposit accounts are
    insured under the Federal Deposit Insurance Act up to applicable
    limits thereunder, and Hanmi Bank is a member of the Federal
    Reserve System. Hanmi Bank&#146;s main office is located at 3660
    Wilshire Boulevard, Penthouse Suite&#160;A, Los Angeles,
    California 90010.
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    Hanmi Bank is a community bank, with its primary market
    including the
    <FONT style="white-space: nowrap">Korean-American</FONT>
    community as well as other communities in the multi-ethnic
    populations of Los Angeles County, Orange County,
    San&#160;Bernardino County, San&#160;Diego County, the
    San&#160;Francisco Bay area, and the Silicon Valley area in
    Santa&#160;Clara County, California. Hanmi Bank&#146;s
    full-service offices are strategically located in areas where
    many of the businesses are owned by immigrants and other
    minority groups. Hanmi Bank&#146;s client base reflects the
    multi-ethnic composition of those communities. As of
    October&#160;31, 2009, Hanmi Bank maintained a network of 27
    full-service branch offices in California and two loan
    production offices in Virginia and Washington.
</DIV>
<!-- XBRL Pagebreak Begin -->

<P align="center" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <BR>
    4
</DIV><!-- END PAGE WIDTH -->
<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#tocpage">Table of Contents</A></H5><P>

<DIV style="width: 87%; margin-left: 6%"><!-- BEGIN PAGE WIDTH -->
<!-- XBRL Pagebreak End -->

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    Hanmi Bank is engaged in substantially all of the business
    operations customarily conducted by independent financial
    institutions in California and the United States, including the
    acceptance of checking, savings and time deposits and the making
    of commercial and consumer loans, residential mortgage loans,
    real estate loans, lease financing, and other installment and
    term loans. Through Chun-Ha and All World, our insurance
    subsidiaries, we are also able to offer our customers a wide
    array of insurance services and products, including life,
    commercial, automobile, health, and property and casualty
    insurance.
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    Our principal office is located at 3660 Wilshire Boulevard,
    Penthouse Suite&#160;A, Los Angeles, California 90010, and our
    telephone number is
    <FONT style="white-space: nowrap">(213)&#160;382-2200.</FONT>
    Our Internet website address is <U>www.hanmi.com.</U> The
    information contained in, or that can be accessed through, our
    website is not a part of this prospectus or any prospectus
    supplement.
</DIV>
<!-- XBRL Pagebreak Begin -->

<P align="center" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <BR>
    5
</DIV><!-- END PAGE WIDTH -->
<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#tocpage">Table of Contents</A></H5><P>

<DIV style="width: 87%; margin-left: 6%"><!-- BEGIN PAGE WIDTH -->
<!-- XBRL Pagebreak End -->

<A name='106'>
<DIV style="margin-top: 18pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="center" style="margin-left: 0%; margin-right: 0%; font-size: 10pt; font-family: Arial, Helvetica; color: #000000; background: #FFFFFF">

    <B><FONT style="font-family: 'Times New Roman', Times">RISK
    FACTORS</FONT></B>
</DIV>
</A>
<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    An investment in our securities involves a high degree of risk.
    Before making an investment decision, you should carefully read
    and consider the risk factors incorporated by reference in this
    prospectus, as well as those contained in any applicable
    prospectus supplement, as the same may be updated from time to
    time by our future filings with the SEC under the Exchange Act.
    You should also refer to other information contained in or
    incorporated by reference in this prospectus and any applicable
    prospectus supplement, including our financial statements and
    the related notes incorporated by reference herein. Additional
    risks and uncertainties not presently known to us at this time
    or that we currently deem immaterial may also materially and
    adversely affect our business and operations.
</DIV>

<A name='107'>
<DIV style="margin-top: 18pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="center" style="margin-left: 0%; margin-right: 0%; font-size: 10pt; font-family: Arial, Helvetica; color: #000000; background: #FFFFFF">

    <B><FONT style="font-family: 'Times New Roman', Times">USE OF
    PROCEEDS</FONT></B>
</DIV>
</A>
<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    Unless we otherwise state in an applicable prospectus
    supplement, we expect to use the net proceeds from the sale of
    the securities offered by this prospectus and the accompanying
    prospectus supplement to augment our regulatory capital and for
    general corporate purposes. General corporate purposes may
    include repayment of debt, additions to working capital, capital
    expenditures, investments in our subsidiaries, and the
    repurchase, redemption or retirement of securities, including
    shares of our common stock. The net proceeds may be temporarily
    invested in interest bearing accounts or short-term, interest
    bearing securities or applied to repay short-term or revolving
    debt prior to use.
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    Based upon our historical and anticipated financial needs, we
    may engage in additional financings of a character and amount
    that we determine as the need arises.
</DIV>

<A name='108'>
<DIV style="margin-top: 18pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="center" style="margin-left: 0%; margin-right: 0%; font-size: 10pt; font-family: Arial, Helvetica; color: #000000; background: #FFFFFF">

    <B><FONT style="font-family: 'Times New Roman', Times">RATIOS OF
    EARNINGS TO FIXED CHARGES</FONT></B>
</DIV>
</A>
<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    Our consolidated ratios of earnings to fixed charges for each of
    the five fiscal years ended December&#160;31, 2008 and each of
    the nine-month periods ended September&#160;30, 2009 and
    September&#160;30, 2008 are as follows:
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<TABLE border="0" width="100%" align="center" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
<!-- Table Width Row BEGIN -->
<TR style="font-size: 1pt" valign="bottom">
    <TD width="40%">&nbsp;</TD>	<!-- colindex=01 type=maindata -->
    <TD width="2%">&nbsp;</TD>	<!-- colindex=02 type=gutter -->
    <TD width="1%" align="right">&nbsp;</TD>	<!-- colindex=02 type=lead -->
    <TD width="5%" align="right">&nbsp;</TD>	<!-- colindex=02 type=body -->
    <TD width="1%" align="left">&nbsp;</TD>	<!-- colindex=02 type=hang1 -->
    <TD width="2%">&nbsp;</TD>	<!-- colindex=03 type=gutter -->
    <TD width="1%" align="right">&nbsp;</TD>	<!-- colindex=03 type=lead -->
    <TD width="5%" align="right">&nbsp;</TD>	<!-- colindex=03 type=body -->
    <TD width="1%" align="left">&nbsp;</TD>	<!-- colindex=03 type=hang1 -->
    <TD width="4%">&nbsp;</TD>	<!-- colindex=04 type=gutter -->
    <TD width="1%" align="right">&nbsp;</TD>	<!-- colindex=04 type=lead -->
    <TD width="6%" align="right">&nbsp;</TD>	<!-- colindex=04 type=body -->
    <TD width="1%" align="left">&nbsp;</TD>	<!-- colindex=04 type=hang1 -->
    <TD width="4%">&nbsp;</TD>	<!-- colindex=05 type=gutter -->
    <TD width="1%" align="right">&nbsp;</TD>	<!-- colindex=05 type=lead -->
    <TD width="5%" align="right">&nbsp;</TD>	<!-- colindex=05 type=body -->
    <TD width="1%" align="left">&nbsp;</TD>	<!-- colindex=05 type=hang1 -->
    <TD width="4%">&nbsp;</TD>	<!-- colindex=06 type=gutter -->
    <TD width="1%" align="right">&nbsp;</TD>	<!-- colindex=06 type=lead -->
    <TD width="2%" align="right">&nbsp;</TD>	<!-- colindex=06 type=body -->
    <TD width="1%" align="left">&nbsp;</TD>	<!-- colindex=06 type=hang1 -->
    <TD width="1%">&nbsp;</TD>	<!-- colindex=07 type=gutter -->
    <TD width="1%" align="right">&nbsp;</TD>	<!-- colindex=07 type=lead -->
    <TD width="3%" align="right">&nbsp;</TD>	<!-- colindex=07 type=body -->
    <TD width="1%" align="left">&nbsp;</TD>	<!-- colindex=07 type=hang1 -->
    <TD width="1%">&nbsp;</TD>	<!-- colindex=08 type=gutter -->
    <TD width="1%" align="right">&nbsp;</TD>	<!-- colindex=08 type=lead -->
    <TD width="2%" align="right">&nbsp;</TD>	<!-- colindex=08 type=body -->
    <TD width="1%" align="left">&nbsp;</TD>	<!-- colindex=08 type=hang1 -->
</TR>
<!-- Table Width Row END -->
<!-- TableOutputHead -->
<TR style="font-size: 7pt" valign="bottom" align="center">
<TD nowrap align="center" valign="bottom">
&nbsp;
</TD>
<TD>
&nbsp;
</TD>
<TD colspan="6" nowrap align="center" valign="bottom">
    <B>Nine Months Ended<BR>
    </B>
</TD>
<TD>
&nbsp;
</TD>
<TD>
&nbsp;
</TD>
<TD colspan="18" nowrap align="center" valign="bottom">
&nbsp;
</TD>
<TD>
&nbsp;
</TD>
</TR>
<TR style="font-size: 7pt" valign="bottom" align="center">
<TD nowrap align="center" valign="bottom">
&nbsp;
</TD>
<TD>
&nbsp;
</TD>
<TD colspan="6" nowrap align="center" valign="bottom" style="border-bottom: 1px solid #000000">
    <B>September&#160;30,</B>
</TD>
<TD>
&nbsp;
</TD>
<TD>
&nbsp;
</TD>
<TD colspan="18" nowrap align="center" valign="bottom" style="border-bottom: 1px solid #000000">
    <B>Year Ended December&#160;31,</B>
</TD>
<TD>
&nbsp;
</TD>
</TR>
<TR style="font-size: 7pt" valign="bottom" align="center">
<TD nowrap align="center" valign="bottom">
&nbsp;
</TD>
<TD>
&nbsp;
</TD>
<TD colspan="2" nowrap align="center" valign="bottom" style="border-bottom: 1px solid #000000">
    <B>2009</B>
</TD>
<TD>
&nbsp;
</TD>
<TD>
&nbsp;
</TD>
<TD colspan="2" nowrap align="center" valign="bottom" style="border-bottom: 1px solid #000000">
    <B>2008</B>
</TD>
<TD>
&nbsp;
</TD>
<TD>
&nbsp;
</TD>
<TD colspan="2" nowrap align="center" valign="bottom" style="border-bottom: 1px solid #000000">
    <B>2008</B>
</TD>
<TD>
&nbsp;
</TD>
<TD>
&nbsp;
</TD>
<TD colspan="2" nowrap align="center" valign="bottom" style="border-bottom: 1px solid #000000">
    <B>2007</B>
</TD>
<TD>
&nbsp;
</TD>
<TD>
&nbsp;
</TD>
<TD colspan="2" nowrap align="center" valign="bottom" style="border-bottom: 1px solid #000000">
    <B>2006</B>
</TD>
<TD>
&nbsp;
</TD>
<TD>
&nbsp;
</TD>
<TD colspan="2" nowrap align="center" valign="bottom" style="border-bottom: 1px solid #000000">
    <B>2005</B>
</TD>
<TD>
&nbsp;
</TD>
<TD>
&nbsp;
</TD>
<TD colspan="2" nowrap align="center" valign="bottom" style="border-bottom: 1px solid #000000">
    <B>2004</B>
</TD>
<TD>
&nbsp;
</TD>
</TR>
<TR style="font-size: 7pt" valign="bottom" align="center">
<TD nowrap align="center" valign="bottom">
&nbsp;
</TD>
<TD>
&nbsp;
</TD>
<TD colspan="26" nowrap align="center" valign="bottom">
    <B>(Dollars in thousands)</B>
</TD>
<TD>
&nbsp;
</TD>
</TR>
<TR style="line-height: 3pt; font-size: 1pt">
<TD>&nbsp;
</TD>
</TR>
<!-- TableOutputBody -->
<TR valign="bottom" style="background: #CCEEFF">
<TD align="left" valign="bottom">
<DIV style="text-indent: -10pt; margin-left: 10pt">
    <B>RATIO OF EARNINGS TO FIXED CHARGES:</B>
</DIV>
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="bottom">
&nbsp;
</TD>
<TD nowrap align="right" valign="bottom">
&nbsp;
</TD>
<TD nowrap align="left" valign="bottom">
&nbsp;
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="bottom">
&nbsp;
</TD>
<TD nowrap align="right" valign="bottom">
&nbsp;
</TD>
<TD nowrap align="left" valign="bottom">
&nbsp;
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="bottom">
&nbsp;
</TD>
<TD nowrap align="right" valign="bottom">
&nbsp;
</TD>
<TD nowrap align="left" valign="bottom">
&nbsp;
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="bottom">
&nbsp;
</TD>
<TD nowrap align="right" valign="bottom">
&nbsp;
</TD>
<TD nowrap align="left" valign="bottom">
&nbsp;
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="bottom">
&nbsp;
</TD>
<TD nowrap align="right" valign="bottom">
&nbsp;
</TD>
<TD nowrap align="left" valign="bottom">
&nbsp;
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="bottom">
&nbsp;
</TD>
<TD nowrap align="right" valign="bottom">
&nbsp;
</TD>
<TD nowrap align="left" valign="bottom">
&nbsp;
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="bottom">
&nbsp;
</TD>
<TD nowrap align="right" valign="bottom">
&nbsp;
</TD>
<TD nowrap align="left" valign="bottom">
&nbsp;
</TD>
</TR>
<TR valign="bottom">
<TD align="left" valign="bottom">
<DIV style="text-indent: -10pt; margin-left: 20pt">
    Excluding Interest on Deposits
</DIV>
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="bottom">
&nbsp;
</TD>
<TD nowrap align="right" valign="bottom">
    &#151;<I>(1</I>
</TD>
<TD nowrap align="left" valign="bottom">
    <I>)</I>
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="bottom">
&nbsp;
</TD>
<TD nowrap align="right" valign="bottom">
    &#151;<I>(2</I>
</TD>
<TD nowrap align="left" valign="bottom">
    <I>)(3)</I>
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="bottom">
&nbsp;
</TD>
<TD nowrap align="right" valign="bottom">
    &#151;<I>(2</I>
</TD>
<TD nowrap align="left" valign="bottom">
    <I>)(5)</I>
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="bottom">
&nbsp;
</TD>
<TD nowrap align="right" valign="bottom">
    &#151;<I>(2</I>
</TD>
<TD nowrap align="left" valign="bottom">
    <I>)(7)</I>
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="bottom">
&nbsp;
</TD>
<TD nowrap align="right" valign="bottom">
    8.17
</TD>
<TD nowrap align="left" valign="bottom">
&nbsp;
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="bottom">
&nbsp;
</TD>
<TD nowrap align="right" valign="bottom">
    11.38
</TD>
<TD nowrap align="left" valign="bottom">
&nbsp;
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="bottom">
&nbsp;
</TD>
<TD nowrap align="right" valign="bottom">
    9.03
</TD>
<TD nowrap align="left" valign="bottom">
&nbsp;
</TD>
</TR>
<TR valign="bottom" style="background: #CCEEFF">
<TD align="left" valign="bottom">
<DIV style="text-indent: -10pt; margin-left: 20pt">
    Including Interest on Deposits
</DIV>
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="bottom">
&nbsp;
</TD>
<TD nowrap align="right" valign="bottom">
    &#151;<I>(1</I>
</TD>
<TD nowrap align="left" valign="bottom">
    <I>)</I>
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="bottom">
&nbsp;
</TD>
<TD nowrap align="right" valign="bottom">
    &#151;<I>(2</I>
</TD>
<TD nowrap align="left" valign="bottom">
    <I>)(4)</I>
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="bottom">
&nbsp;
</TD>
<TD nowrap align="right" valign="bottom">
    0.02<I>(2</I>
</TD>
<TD nowrap align="left" valign="bottom">
    <I>)(6)</I>
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="bottom">
&nbsp;
</TD>
<TD nowrap align="right" valign="bottom">
    0.72<I>(2</I>
</TD>
<TD nowrap align="left" valign="bottom">
    <I>)(8)</I>
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="bottom">
&nbsp;
</TD>
<TD nowrap align="right" valign="bottom">
    1.98
</TD>
<TD nowrap align="left" valign="bottom">
&nbsp;
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="bottom">
&nbsp;
</TD>
<TD nowrap align="right" valign="bottom">
    2.47
</TD>
<TD nowrap align="left" valign="bottom">
&nbsp;
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="bottom">
&nbsp;
</TD>
<TD nowrap align="right" valign="bottom">
    2.77
</TD>
<TD nowrap align="left" valign="bottom">
&nbsp;
</TD>
</TR>
<TR valign="bottom">
<TD align="left" valign="bottom">
<DIV style="text-indent: -10pt; margin-left: 10pt">
    Deficiency of Earnings Available to Cover Fixed Charges:
</DIV>
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="bottom">
&nbsp;
</TD>
<TD nowrap align="right" valign="bottom">
&nbsp;
</TD>
<TD nowrap align="left" valign="bottom">
&nbsp;
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="bottom">
&nbsp;
</TD>
<TD nowrap align="right" valign="bottom">
&nbsp;
</TD>
<TD nowrap align="left" valign="bottom">
&nbsp;
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="bottom">
&nbsp;
</TD>
<TD nowrap align="right" valign="bottom">
&nbsp;
</TD>
<TD nowrap align="left" valign="bottom">
&nbsp;
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="bottom">
&nbsp;
</TD>
<TD nowrap align="right" valign="bottom">
&nbsp;
</TD>
<TD nowrap align="left" valign="bottom">
&nbsp;
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="bottom">
&nbsp;
</TD>
<TD nowrap align="right" valign="bottom">
&nbsp;
</TD>
<TD nowrap align="left" valign="bottom">
&nbsp;
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="bottom">
&nbsp;
</TD>
<TD nowrap align="right" valign="bottom">
&nbsp;
</TD>
<TD nowrap align="left" valign="bottom">
&nbsp;
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="bottom">
&nbsp;
</TD>
<TD nowrap align="right" valign="bottom">
&nbsp;
</TD>
<TD nowrap align="left" valign="bottom">
&nbsp;
</TD>
</TR>
<TR valign="bottom" style="background: #CCEEFF">
<TD align="left" valign="bottom">
<DIV style="text-indent: -10pt; margin-left: 20pt">
    Excluding Interest on Deposits
</DIV>
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="bottom">
    $
</TD>
<TD nowrap align="right" valign="bottom">
    89,976
</TD>
<TD nowrap align="left" valign="bottom">
&nbsp;
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="bottom">
    $
</TD>
<TD nowrap align="right" valign="bottom">
    94,885
</TD>
<TD nowrap align="left" valign="bottom">
&nbsp;
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="bottom">
    $
</TD>
<TD nowrap align="right" valign="bottom">
    103,448
</TD>
<TD nowrap align="left" valign="bottom">
&nbsp;
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="bottom">
    $
</TD>
<TD nowrap align="right" valign="bottom">
    36,460
</TD>
<TD nowrap align="left" valign="bottom">
&nbsp;
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="bottom">
    $
</TD>
<TD nowrap align="right" valign="bottom">
    &#151;
</TD>
<TD nowrap align="left" valign="bottom">
&nbsp;
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="bottom">
    $
</TD>
<TD nowrap align="right" valign="bottom">
    &#151;
</TD>
<TD nowrap align="left" valign="bottom">
&nbsp;
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="bottom">
    $
</TD>
<TD nowrap align="right" valign="bottom">
    &#151;
</TD>
<TD nowrap align="left" valign="bottom">
&nbsp;
</TD>
</TR>
<TR valign="bottom">
<TD align="left" valign="bottom">
<DIV style="text-indent: -10pt; margin-left: 20pt">
    Including Interest on Deposits
</DIV>
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="bottom">
    $
</TD>
<TD nowrap align="right" valign="bottom">
    89,976
</TD>
<TD nowrap align="left" valign="bottom">
&nbsp;
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="bottom">
    $
</TD>
<TD nowrap align="right" valign="bottom">
    94,885
</TD>
<TD nowrap align="left" valign="bottom">
&nbsp;
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="bottom">
    $
</TD>
<TD nowrap align="right" valign="bottom">
    103,448
</TD>
<TD nowrap align="left" valign="bottom">
&nbsp;
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="bottom">
    $
</TD>
<TD nowrap align="right" valign="bottom">
    36,460
</TD>
<TD nowrap align="left" valign="bottom">
&nbsp;
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="bottom">
    $
</TD>
<TD nowrap align="right" valign="bottom">
    &#151;
</TD>
<TD nowrap align="left" valign="bottom">
&nbsp;
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="bottom">
    $
</TD>
<TD nowrap align="right" valign="bottom">
    &#151;
</TD>
<TD nowrap align="left" valign="bottom">
&nbsp;
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="bottom">
    $
</TD>
<TD nowrap align="right" valign="bottom">
    &#151;
</TD>
<TD nowrap align="left" valign="bottom">
&nbsp;
</TD>
</TR>
</TABLE>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 0%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">

</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV style="font-size: 1pt; margin-left: 0%; width: 13%;  align: left; border-bottom: 1pt solid #000000"></DIV>

<DIV style="margin-top: 3pt; font-size: 1pt">&nbsp;</DIV>



<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">

<TR>
    <TD width="2%"></TD>
    <TD width="1%"></TD>
    <TD width="97%"></TD>
</TR>

<TR>
    <TD align="right" valign="top">
    <I>(1) </I></TD>
    <TD></TD>
    <TD valign="bottom">
    Earnings were inadequate to cover total fixed charges, excluding
    or including interest on deposits.</TD>
</TR>


<TR style="line-height: 3pt; font-size: 1pt"><TD>&nbsp;</TD></TR>

<TR>
    <TD align="right" valign="top">
    <I>(2) </I></TD>
    <TD></TD>
    <TD valign="bottom">
    Earnings were inadequate to cover total fixed charges due
    primarily to non-cash goodwill impairment charges of
    $107.4&#160;million for the nine months ended September&#160;30,
    2008, $107.4&#160;million for the year ended December&#160;31,
    2008 and $102.9&#160;million for the year ended
    December&#160;31, 2007.</TD>
</TR>


<TR style="line-height: 3pt; font-size: 1pt"><TD>&nbsp;</TD></TR>

<TR>
    <TD align="right" valign="top">
    <I>(3) </I></TD>
    <TD></TD>
    <TD valign="bottom">
    Excluding the non-cash goodwill impairment charge of
    $107.4&#160;million, the ratio of earnings to fixed charges,
    excluding interest on deposits, for the nine months ended
    September&#160;30, 2008 would have been 1.75. This non-GAAP
    financial ratio is provided solely for the purpose of presenting
    comparison data for our operating trends.</TD>
</TR>


<TR style="line-height: 3pt; font-size: 1pt"><TD>&nbsp;</TD></TR>

<TR>
    <TD align="right" valign="top">
    <I>(4) </I></TD>
    <TD></TD>
    <TD valign="bottom">
    Excluding the non-cash goodwill impairment charge of
    $107.4&#160;million, the ratio of earnings to fixed charges,
    including interest on deposits, for the nine months ended
    September&#160;30, 2008 would have been 1.15. This non-GAAP
    financial ratio is provided solely for the purpose of presenting
    comparison data for our operating trends.</TD>
</TR>

</TABLE>
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<P align="center" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <BR>
    6
</DIV><!-- END PAGE WIDTH -->
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<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#tocpage">Table of Contents</A></H5><P>

<DIV style="width: 87%; margin-left: 6%"><!-- BEGIN PAGE WIDTH -->
<!-- XBRL Pagebreak End -->

<DIV style="margin-top: 3pt; font-size: 1pt">&nbsp;</DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">

<TR>
    <TD width="2%"></TD>
    <TD width="1%"></TD>
    <TD width="97%"></TD>
</TR>

<TR>
    <TD align="right" valign="top">
    <I>(5) </I></TD>
    <TD></TD>
    <TD valign="bottom">
    Excluding the non-cash goodwill impairment charge of
    $107.4&#160;million, the ratio of earnings to fixed charges,
    excluding interest on deposits, for the year ended
    December&#160;31, 2008 would have been 1.19. This non-GAAP
    financial ratio is provided solely for the purpose of presenting
    comparison data for our operating trends.</TD>
</TR>


<TR style="line-height: 3pt; font-size: 1pt"><TD>&nbsp;</TD></TR>

<TR>
    <TD align="right" valign="top">
    <I>(6) </I></TD>
    <TD></TD>
    <TD valign="bottom">
    Excluding the non-cash goodwill impairment charge of
    $107.4&#160;million, the ratio of earnings to fixed charges,
    including interest on deposits, for the year ended
    December&#160;31, 2008 would have been 1.04. This non-GAAP
    financial ratio is provided solely for the purpose of presenting
    comparison data for our operating trends.</TD>
</TR>


<TR style="line-height: 3pt; font-size: 1pt"><TD>&nbsp;</TD></TR>

<TR>
    <TD align="right" valign="top">
    <I>(7) </I></TD>
    <TD></TD>
    <TD valign="bottom">
    Excluding the non-cash goodwill impairment charge of
    $102.9&#160;million, the ratio of earnings to fixed charges,
    excluding interest on deposits, for the year ended
    December&#160;31, 2007 would have been 4.00. This non-GAAP
    financial ratio is provided solely for the purpose of presenting
    comparison data for our operating trends.</TD>
</TR>


<TR style="line-height: 3pt; font-size: 1pt"><TD>&nbsp;</TD></TR>

<TR>
    <TD align="right" valign="top">
    <I>(8) </I></TD>
    <TD></TD>
    <TD valign="bottom">
    Excluding the non-cash goodwill impairment charge of
    $102.9&#160;million, the ratio of earnings to fixed charges,
    including interest on deposits, for the year ended
    December&#160;31, 2007 would have been 1.51. This non-GAAP
    financial ratio is provided solely for the purpose of presenting
    comparison data for our operating trends.</TD>
</TR>

</TABLE>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    The ratio of earnings to fixed charges is calculated as follows:
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="center" style="margin-left: 0%; margin-right: 0%; text-indent: 0%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <U>Income (Loss) Before Provision for Income Taxes + Fixed
    Charges</U>
</DIV>

<DIV align="center" style="margin-left: 0%; margin-right: 0%; text-indent: 0%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    Fixed Charges
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    Fixed charges consist of consolidated interest expense,
    including or excluding the interest expense on deposits as
    indicated, and one-third of rental expense, net of rental income
    from subleases, which we estimate is representative of the
    interest portion of the rental payments. Currently, we have no
    shares of preferred stock outstanding and have not paid any
    dividends on preferred stock in any of the periods presented.
    Therefore, the ratio of earnings to combined fixed charges and
    preferred stock dividends is not different from the ratio of
    earnings to fixed charges presented above.
</DIV>

<A name='109'>
<DIV style="margin-top: 18pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="center" style="margin-left: 0%; margin-right: 0%; font-size: 10pt; font-family: Arial, Helvetica; color: #000000; background: #FFFFFF">

    <B><FONT style="font-family: 'Times New Roman', Times">DESCRIPTION
    OF CAPITAL STOCK</FONT></B>
</DIV>
</A>
<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    The following summary describes the material features and rights
    of our capital stock and is subject to, and qualified in its
    entirety by, applicable law and the provisions of our amended
    and restated certificate of incorporation and bylaws.
</DIV>

<DIV style="margin-top: 12pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; font-size: 10pt; font-family: Arial, Helvetica; color: #000000; background: #FFFFFF">

    <B><FONT style="font-family: 'Times New Roman', Times">General</FONT></B>
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    Our authorized capital stock consists of
    210,000,000&#160;shares, of which 200,000,000&#160;shares are
    common stock, par value $0.001 per share, and
    10,000,000&#160;shares are preferred stock, par value $0.001 per
    share. Our outstanding shares of common stock are, and the
    shares of common stock to be issued in this offering will be,
    validly issued, fully paid and non-assessable. As of
    October&#160;31, 2009, there were 51,201,390&#160;shares of our
    common stock outstanding, held by approximately 345 stockholders
    of record, and no shares of our preferred stock were
    outstanding. As of October&#160;31, 2009, 1,205,869&#160;shares
    of our common stock were reserved for issuance upon the exercise
    of options that have been granted under our existing stock
    option plan.
</DIV>

<DIV style="margin-top: 12pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; font-size: 10pt; font-family: Arial, Helvetica; color: #000000; background: #FFFFFF">

    <B><FONT style="font-family: 'Times New Roman', Times">Common
    Stock</FONT></B>
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <I>Liquidation Rights.</I>&#160;&#160;Upon our liquidation,
    dissolution or winding up, the holders of our common stock are
    entitled to receive, pro rata, our assets which are legally
    available for distribution, after payment of all debts and other
    liabilities and subject to the prior rights of any holders of
    preferred stock then outstanding (including holders of our
    junior subordinated debentures).
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    Our board of directors may approve for issuance, without
    approval of the holders of common stock, preferred stock that
    has voting, dividend or liquidation rights superior to that of
    our common stock and which may adversely affect the rights of
    holders of common stock. The issuance of preferred stock, while
    providing flexibility in connection with possible acquisitions
    and other corporate purposes, could, among other things,
    adversely affect the voting power of the holders of common stock
    and could have the effect of delaying, deferring or preventing a
    change in control of our company.
</DIV>
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    <BR>
    7
</DIV><!-- END PAGE WIDTH -->
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<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#tocpage">Table of Contents</A></H5><P>

<DIV style="width: 87%; margin-left: 6%"><!-- BEGIN PAGE WIDTH -->
<!-- XBRL Pagebreak End -->

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <I>Dividends and Other Distributions.</I>&#160;&#160;Subject to
    certain regulatory restrictions, we may pay dividends out of our
    statutory surplus or from certain net profits if, as and when
    declared by our board of directors. The holders of our common
    stock are entitled to receive and share equally in dividends
    declared by our board of directors out of funds legally
    available for such dividends. If we issue preferred stock in the
    future, the holders of that preferred stock may have a priority
    over the holders of our common stock with respect to dividends.
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    We are a bank holding company, and our primary source for the
    payment of dividends is dividends from our direct, wholly-owned
    subsidiary, Hanmi Bank. Various banking laws applicable to Hanmi
    Bank limit the payment of dividends, management fees and other
    distributions by Hanmi Bank to us, and may therefore limit our
    ability to pay dividends on our common stock. On August&#160;29,
    2008, our board of directors announced its decision to suspend
    the quarterly cash dividend previously paid on shares of our
    common stock. The most recent quarterly dividend of $0.03 per
    share was paid on July&#160;21, 2008. In addition, on
    November&#160;2, 2009, the board of directors of Hanmi Bank
    consented to the issuance of a Final Order from the California
    Department of Financial Institutions that currently restricts
    the Bank from paying dividends without the prior approval of the
    department. In addition, on November&#160;2, 2009, Hanmi
    Financial and Hanmi Bank entered into a Written Agreement that
    restricts each of Hanmi Financial and Hanmi Bank from paying
    dividends without the prior approval of the Federal Reserve Bank
    of San&#160;Francisco. Accordingly, our ability to pay dividends
    will be restricted until these regulatory orders are lifted.
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    Under the terms of our trust preferred financings on
    January&#160;8, 2004, March&#160;15, 2004, and April&#160;28,
    2004, respectively, we cannot declare or pay any dividends or
    distributions on, or redeem, purchase, acquire or make a
    liquidation payment with respect to, any shares of our capital
    stock if (1)&#160;an event of default under such debt instrument
    has occurred and is continuing, or (2)&#160;if we give notice of
    our election to begin an extension period whereby we may defer
    payment of interest on the trust preferred securities for a
    period of up to twenty consecutive quarterly interest payment
    periods. In October 2008, our board of directors elected to
    defer quarterly interest payments on its trust preferred
    securities until further notice. In addition, we are currently
    restricted from making payments of principal or interest on our
    trust preferred securities under the terms of our Written
    Agreement without the prior approval of the Federal Reserve Bank
    of San&#160;Francisco.
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    Any future determination relating to dividend policy will be
    made at the discretion of our board of directors and will depend
    on a number of factors, including our future earnings, capital
    requirements, financial condition, future prospects and such
    other factors as our board of directors may deem relevant.
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <I>Voting Rights.</I>&#160;&#160;The holders of our common stock
    currently possess exclusive voting rights on matters that come
    before our stockholders. Our common stockholders elect our board
    of directors and act on such other matters as are required to be
    presented to our stockholders under Delaware law, our amended
    and restated certificate of incorporation or as may be otherwise
    presented to our stockholders by our board of directors. Each
    outstanding share of our common stock is entitled to one vote on
    all matters submitted to a vote of our stockholders. There is no
    cumulative voting in the election of directors.
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <I>Anti-Takeover Provisions.</I>&#160;&#160;Provisions of our
    amended and restated certificate of incorporation and bylaws may
    have anti-takeover effects. These provisions may discourage
    attempts by others to acquire control of Hanmi Financial
    Corporation without negotiation with our board of directors. The
    effect of these provisions is discussed briefly below.
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">

<TR>
    <TD width="4%"></TD>
    <TD width="2%"></TD>
    <TD width="94%"></TD>
</TR>

<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    <I>Authorized Stock.</I>&#160;&#160;The shares of our common
    stock authorized by our amended and restated certificate of
    incorporation but not issued provide our board of directors with
    the flexibility to effect financings, acquisitions, stock
    dividends, stock splits and stock-based grants without the need
    for a stockholder vote. Our board of directors, consistent with
    its fiduciary duties, could also authorize the issuance of
    shares of preferred stock, and could establish voting,
    conversion, liquidation and other rights for our preferred stock
    being issued, in an effort to deter attempts to gain control of
    Hanmi Financial Corporation.
</TD>
</TR>


<TR style="line-height: 6pt; font-size: 1pt"><TD>&nbsp;</TD></TR>


<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    <I>Stockholder Action by Unanimous Written
    Consent.</I>&#160;&#160;Our amended and restated certificate of
    incorporation prohibits stockholder action by written consent.
    The purpose of this provision is to prevent any person or
    persons holding the percentage of our voting stock otherwise
    required to take corporate action from taking that action
    without giving notice to other stockholders and without
    satisfying the procedures required by our bylaws to hold a
    stockholder meeting.
</TD>
</TR>

</TABLE>
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<P align="center" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <BR>
    8
</DIV><!-- END PAGE WIDTH -->
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<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#tocpage">Table of Contents</A></H5><P>

<DIV style="width: 87%; margin-left: 6%"><!-- BEGIN PAGE WIDTH -->
<!-- XBRL Pagebreak End -->

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">

<TR>
    <TD width="4%"></TD>
    <TD width="2%"></TD>
    <TD width="94%"></TD>
</TR>

<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    <I>Amendment of Certificate of Incorporation and
    Bylaws.</I>&#160;&#160;Our amended and restated certificate of
    incorporation requires the approval of
    66<FONT style="vertical-align: text-top; font-size: 70%;">2</FONT>/<FONT style="font-size: 70%;">3</FONT>%
    of our stockholders to amend certain of the provisions of our
    amended and restated certificate of incorporation. This
    requirement is intended to prevent a stockholder who controls a
    majority of our common stock from avoiding the requirements of
    important provisions of our amended and restated certificate of
    incorporation simply by amending or repealing those provisions.
    Accordingly, the holders of a minority of the shares of our
    common stock could block the future repeal or modification of
    certain provisions of our amended and restated certificate of
    incorporation, even if that action were deemed beneficial by the
    holders of more than a majority, but less than
    66<FONT style="vertical-align: text-top; font-size: 70%;">2</FONT>/<FONT style="font-size: 70%;">3</FONT>%,
    of our common stock.
</TD>
</TR>

</TABLE>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <I>Business Combination Provisions.</I>&#160;&#160;Our amended
    and restated certificate of incorporation elects to be subject
    to the requirements of Section&#160;203 of the Delaware General
    Corporation Law.
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    Section&#160;203 of the Delaware General Corporation Law
    generally prohibits business combinations, including mergers,
    sales and leases of assets, issuances of securities and similar
    transactions by a corporation or a subsidiary, with an
    interested stockholder, which is defined generally as someone
    who beneficially owns 15% or more of a corporation&#146;s voting
    stock, within three years after the person or entity becomes an
    interested stockholder, unless:
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">

<TR>
    <TD width="4%"></TD>
    <TD width="2%"></TD>
    <TD width="94%"></TD>
</TR>

<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    either the business combination or the transaction that caused
    the person to become an interested stockholder was approved by
    the board of directors prior to the transaction;
</TD>
</TR>


<TR style="line-height: 6pt; font-size: 1pt"><TD>&nbsp;</TD></TR>


<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    after the completion of the transaction in which the person
    becomes an interested stockholder, the interested stockholder
    holds at least 85% of the voting stock of the corporation not
    including (a)&#160;shares held by persons who are both officers
    and directors of the issuing corporation and (b)&#160;shares
    held by specified employee benefit plans;&#160;or
</TD>
</TR>


<TR style="line-height: 6pt; font-size: 1pt"><TD>&nbsp;</TD></TR>


<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    after the person becomes an interested stockholder, the business
    combination is approved by the board of directors and holders of
    at least
    66<FONT style="vertical-align: text-top; font-size: 70%;">2</FONT>/<FONT style="font-size: 70%;">3</FONT>%
    of the outstanding voting stock, excluding shares held by the
    interested stockholder.
</TD>
</TR>

</TABLE>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    In addition to the foregoing, our amended and restated
    certificate of incorporation contains heightened restrictions on
    business combinations with an interested stockholder or an
    affiliate of any interested stockholder, which is defined
    generally as someone who is the beneficial owner of 10% or more
    of our capital stock or who is an affiliate of Hanmi Financial
    Corporation and who, within the past two years, was the
    beneficial owner of 10% or more of our capital stock, unless:
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">

<TR>
    <TD width="4%"></TD>
    <TD width="2%"></TD>
    <TD width="94%"></TD>
</TR>

<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    the business combination is approved by the affirmative vote of
    not less than
    66<FONT style="vertical-align: text-top; font-size: 70%;">2</FONT>/<FONT style="font-size: 70%;">3</FONT>%
    of the outstanding shares of voting stock;&#160;and
</TD>
</TR>


<TR style="line-height: 6pt; font-size: 1pt"><TD>&nbsp;</TD></TR>


<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    the business combination is approved by a majority of the voting
    power of all outstanding shares of our voting stock, other than
    shares held by interested stockholders or affiliates of
    interested stockholders.
</TD>
</TR>

</TABLE>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    A business combination may also be permitted under our amended
    and restated certificate of incorporation if a majority of our
    disinterested directors have approved the business combination
    and the business combination has been approved by the
    affirmative vote of our stockholders as required by law.
    Alternatively, our amended and restated certificate of
    incorporation permits a business combination if it has been
    approved by a majority of the voting power of all outstanding
    shares of our voting common stock and if certain price
    considerations required by our amended and restated certificate
    of incorporation have been satisfied.
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    The effect of Section&#160;203 of the Delaware General
    Corporation Law and the business combination provisions of our
    amended and restated certificate of incorporation could have the
    effect of preventing the acquisition of control of Hanmi
    Financial Corporation by an interested stockholder or its
    affiliate, even though that interested stockholder or its
    affiliate would otherwise have the ability to engage in the
    business combination.
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <I>Preemptive Rights.</I>&#160;&#160;Holders of our common stock
    do not have preemptive rights with respect to any shares that
    may be issued. Shares of our common stock are not subject to
    redemption.
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <I>Listing.</I>&#160;&#160;Our common stock is listed on the
    Nasdaq Global Select Market under the symbol &#147;HAFC.&#148;
</DIV>
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    <BR>
    9
</DIV><!-- END PAGE WIDTH -->
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<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#tocpage">Table of Contents</A></H5><P>

<DIV style="width: 87%; margin-left: 6%"><!-- BEGIN PAGE WIDTH -->
<!-- XBRL Pagebreak End -->

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <I>Transfer Agent.</I>&#160;&#160;The transfer agent for our
    common stock is Computershare Limited. The transfer agent&#146;s
    address is Computershare Investor Services, 250 Royall Street,
    Canton, MA 02021.
</DIV>

<A name='110'>
<DIV style="margin-top: 18pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="center" style="margin-left: 0%; margin-right: 0%; font-size: 10pt; font-family: Arial, Helvetica; color: #000000; background: #FFFFFF">

    <B><FONT style="font-family: 'Times New Roman', Times">DESCRIPTION
    OF SECURITIES WE MAY OFFER</FONT></B>
</DIV>
</A>
<DIV style="margin-top: 12pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; font-size: 10pt; font-family: Arial, Helvetica; color: #000000; background: #FFFFFF">

    <B><FONT style="font-family: 'Times New Roman', Times">General</FONT></B>
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    This prospectus contains summary descriptions of our common
    stock, preferred stock, debt securities, rights, warrants,
    depositary shares, and units that we may offer from time to
    time. These summary descriptions are not meant to be complete
    descriptions of each security. The particular terms of any
    security will be described in the accompanying prospectus
    supplement and other offering materials field with the SEC. The
    accompanying prospectus supplement may add, update or change the
    terms and conditions of the securities as described in this
    prospectus.
</DIV>

<DIV style="margin-top: 12pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; font-size: 10pt; font-family: Arial, Helvetica; color: #000000; background: #FFFFFF">

    <B><FONT style="font-family: 'Times New Roman', Times">Common
    Stock</FONT></B>
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    When we offer to sell shares of our common stock, we will
    describe the specific terms of the offering in a supplement to
    this prospectus. A description of the material terms of our
    common stock is included with this prospectus under the above
    section entitled <I>&#147;Description of Capital
    Stock&#160;&#151; Common Stock.&#148;</I>
</DIV>

<DIV style="margin-top: 12pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; font-size: 10pt; font-family: Arial, Helvetica; color: #000000; background: #FFFFFF">

    <B><FONT style="font-family: 'Times New Roman', Times">Preferred
    Stock</FONT></B>
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    Our authorized capital stock includes 10,000,000&#160;shares of
    preferred stock, par value $0.001 per share. As of the date of
    this prospectus, no shares of our preferred stock have been
    issued or are outstanding. Our amended and restated certificate
    of incorporation authorizes our board of directors to, without
    stockholder approval, adopt resolutions providing for the
    issuance of preferred stock in such classes or series, with such
    voting powers, conversion features, designations, preferences,
    rights, qualifications, limitations and restrictions of each
    class or series of preferred stock as may be determined by our
    board of directors.
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    If we offer shares of preferred stock in the future, we will fix
    the designations, voting powers, preferences and rights of the
    preferred stock of each series, as well as the qualifications,
    limitations or restrictions thereof, in the certificate of
    designation relating to that series. We will file as an exhibit
    to the registration statement of which this prospectus is a
    part, or will incorporate by reference from reports that we file
    with the SEC, the form of any certificate of designation that
    describes the terms of the series of preferred stock we are
    offering before the issuance of that series of preferred stock.
    In addition, the prospectus supplement relating to a particular
    series of preferred stock will contain a description of the
    specific terms of that series. This description will include:
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">

<TR>
    <TD width="4%"></TD>
    <TD width="2%"></TD>
    <TD width="94%"></TD>
</TR>

<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    the title and stated value;
</TD>
</TR>


<TR style="line-height: 6pt; font-size: 1pt"><TD>&nbsp;</TD></TR>


<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    the number of shares we are offering;
</TD>
</TR>


<TR style="line-height: 6pt; font-size: 1pt"><TD>&nbsp;</TD></TR>


<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    the liquidation preference per share;
</TD>
</TR>


<TR style="line-height: 6pt; font-size: 1pt"><TD>&nbsp;</TD></TR>


<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    the purchase price;
</TD>
</TR>


<TR style="line-height: 6pt; font-size: 1pt"><TD>&nbsp;</TD></TR>


<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    the dividend rate, period and payment date and method of
    calculation for dividends;
</TD>
</TR>


<TR style="line-height: 6pt; font-size: 1pt"><TD>&nbsp;</TD></TR>


<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    whether dividends will be cumulative or noncumulative and, if
    cumulative, the date from which dividends will accumulate;
</TD>
</TR>


<TR style="line-height: 6pt; font-size: 1pt"><TD>&nbsp;</TD></TR>


<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    the procedures for any auction and remarketing, if any;
</TD>
</TR>


<TR style="line-height: 6pt; font-size: 1pt"><TD>&nbsp;</TD></TR>


<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    the provisions for a sinking fund, if any;
</TD>
</TR>


<TR style="line-height: 6pt; font-size: 1pt"><TD>&nbsp;</TD></TR>


<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    the provisions for redemption or repurchase, if applicable, and
    any restrictions on our ability to exercise those redemption and
    repurchase rights;
</TD>
</TR>


<TR style="line-height: 6pt; font-size: 1pt"><TD>&nbsp;</TD></TR>


<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    any listing of the preferred stock on any securities exchange or
    market;
</TD>
</TR>


<TR style="line-height: 6pt; font-size: 1pt"><TD>&nbsp;</TD></TR>


<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    voting rights, if any, of the preferred stock;
</TD>
</TR>

</TABLE>
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<P align="center" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <BR>
    10
</DIV><!-- END PAGE WIDTH -->
<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#tocpage">Table of Contents</A></H5><P>

<DIV style="width: 87%; margin-left: 6%"><!-- BEGIN PAGE WIDTH -->
<!-- XBRL Pagebreak End -->

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">

<TR>
    <TD width="4%"></TD>
    <TD width="2%"></TD>
    <TD width="94%"></TD>
</TR>

<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    preemptive rights, if any;
</TD>
</TR>


<TR style="line-height: 6pt; font-size: 1pt"><TD>&nbsp;</TD></TR>


<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    conversion or exchange rights, if any;
</TD>
</TR>


<TR style="line-height: 6pt; font-size: 1pt"><TD>&nbsp;</TD></TR>


<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    restrictions on transfer, sale or other assignment, if any;
</TD>
</TR>


<TR style="line-height: 6pt; font-size: 1pt"><TD>&nbsp;</TD></TR>


<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    whether interests in the preferred stock will be represented by
    depositary shares;
</TD>
</TR>


<TR style="line-height: 6pt; font-size: 1pt"><TD>&nbsp;</TD></TR>


<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    a discussion of any material U.S.&#160;Federal income tax
    considerations applicable to the preferred stock;
</TD>
</TR>


<TR style="line-height: 6pt; font-size: 1pt"><TD>&nbsp;</TD></TR>


<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    the relative ranking and preferences of the preferred stock as
    to dividend rights and rights if we liquidate, dissolve or wind
    up our affairs;
</TD>
</TR>


<TR style="line-height: 6pt; font-size: 1pt"><TD>&nbsp;</TD></TR>


<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    any limitations on the issuance of any class or series of
    preferred stock ranking senior to or on a parity with the series
    of preferred stock as to dividend rights and rights if we
    liquidate, dissolve or wind up our affairs;&#160;and
</TD>
</TR>


<TR style="line-height: 6pt; font-size: 1pt"><TD>&nbsp;</TD></TR>


<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    any other specific terms, preferences, rights or limitations of,
    or restrictions on, the preferred stock.
</TD>
</TR>

</TABLE>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    Upon the issuance and payment for shares of preferred stock, the
    shares will be fully paid and nonassessable. Except as otherwise
    may be specified in the prospectus supplement relating to a
    particular series of preferred stock, holders of preferred stock
    will not have any preemptive or subscription rights to acquire
    any class or series of our capital stock and each series of
    preferred stock will rank on a parity in all respects with each
    other series of our preferred stock and prior to our common
    stock as to dividends and any distribution of our assets.
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    The rights of holders of our preferred stock may, subject to the
    provisions governing such outstanding preferred stock, be
    adversely affected in the future by the rights of holders of any
    new shares of preferred stock that may be issued by us in the
    future. Our board of directors may cause shares of preferred
    stock to be issued in public or private transactions for any
    proper corporate purposes, including issuance in connection with
    a stockholders&#146; rights plan or with terms that may
    discourage a change in control of our company. The ability of
    our board of directors to designate series and issue shares of
    preferred stock without further stockholder approval may
    discourage or make more difficult attempts by others to acquire
    control of us.
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <I>Redemption.</I>&#160;&#160;If so specified in the applicable
    prospectus supplement, a series of preferred stock may be
    redeemable at any time, in whole or in part, at our option, and
    may be mandatorily redeemable, convertible or exchangeable.
    Restrictions, if any, on the repurchase or redemption by us of
    any series of our preferred stock will be described in the
    applicable prospectus supplement relating to that series.
    Generally, any redemption of our preferred stock will be subject
    to prior Federal Reserve approval. Any partial redemptions of
    preferred stock will be made in a way that our board of
    directors decides is equitable.
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    If, after giving notice of redemption to the holders of a series
    of preferred stock, we deposit with a designated bank funds
    sufficient to redeem the preferred stock, then from and after
    the deposit, all shares called for redemption will no longer be
    outstanding for any purpose, other than the right to receive the
    redemption price and the right to convert the shares into other
    classes of our capital stock. The prospectus supplement will set
    forth the redemption price relating to a particular series of
    preferred stock.
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    Except as indicated in the applicable prospectus supplement, the
    preferred stock is not subject to any mandatory redemption at
    the option of the holder.
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <I>Dividends.</I>&#160;&#160;Holders of each series of preferred
    stock will be entitled to receive cash dividends only when, as
    and if declared by our board of directors out of funds legally
    available for dividends. The rates or amounts and dates of
    payment of dividends will be described in the applicable
    prospectus supplement relating to each series of preferred
    stock. Dividends will be payable to holders of record of
    preferred stock on the record dates fixed by our board of
    directors.
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    As indicated above, our primary source for the payment of
    dividends is dividends we receive from our direct, wholly-owned
    subsidiary, Hanmi Bank. Due to current restrictions on Hanmi
    Bank&#146;s ability to pay dividends without prior regulatory
    approval under the Final Order issued by the California
    Department of Financial Institutions and its Written Agreement
    with the Federal Reserve Bank of San&#160;Francisco, our ability
    to pay dividends on our preferred stock will be restricted until
    this Memorandum of Understanding is lifted.
</DIV>
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    <BR>
    11
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<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#tocpage">Table of Contents</A></H5><P>

<DIV style="width: 87%; margin-left: 6%"><!-- BEGIN PAGE WIDTH -->
<!-- XBRL Pagebreak End -->

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    Dividends on any series of preferred stock may be cumulative or
    noncumulative, as described in the applicable prospectus
    supplement. Our board of directors may not declare, pay or set
    apart funds for payment of dividends on a particular series of
    preferred stock unless full dividends on any other series of
    preferred stock that ranks equally with or senior to such series
    of preferred stock have been paid or sufficient funds have been
    set apart for payment for either of the following:
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">

<TR>
    <TD width="4%"></TD>
    <TD width="2%"></TD>
    <TD width="94%"></TD>
</TR>

<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    all prior dividend periods of each series of preferred stock
    that pay dividends on a cumulative basis;&#160;or
</TD>
</TR>


<TR style="line-height: 6pt; font-size: 1pt"><TD>&nbsp;</TD></TR>


<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    the immediately preceding dividend period of each series of
    preferred stock that pays dividends on a noncumulative basis.
</TD>
</TR>

</TABLE>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    Partial dividends declared on shares of any series of preferred
    stock and other series of preferred stock ranking on an equal
    basis as to dividends will be declared pro rata. A pro rata
    declaration means that the ratio of dividends declared per share
    to accrued dividends per share will be the same for all series
    of preferred stock of equal priority.
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <I>Liquidation Preference.</I>&#160;&#160;In the event of any
    voluntary or involuntary liquidation, dissolution or
    <FONT style="white-space: nowrap">winding-up</FONT>
    of our company, holders of each series of preferred stock will
    have the right to receive distributions upon liquidation in the
    amount described in the applicable prospectus supplement
    relating to each series of preferred stock and such holders may
    have the right to receive an additional amount equal to any
    accrued but unpaid dividends. These distributions will be made
    before any distribution is made on our common stock or on any
    securities ranking junior to such preferred stock upon
    liquidation, dissolution or
    <FONT style="white-space: nowrap">winding-up.</FONT>
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    If the liquidation amounts payable to holders of preferred stock
    of all series ranking on a parity regarding liquidation are not
    paid in full, the holders of the preferred stock of those series
    will have the right to a ratable portion of our available assets
    up to the full liquidation preference. Holders of those series
    of preferred stock or such other securities will not be entitled
    to any other amounts from us after they have received their full
    liquidation preference.
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <I>Voting Rights.</I>&#160;&#160;The holders of shares of
    preferred stock will have no voting rights, except:
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">

<TR>
    <TD width="4%"></TD>
    <TD width="2%"></TD>
    <TD width="94%"></TD>
</TR>

<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    as otherwise stated in the applicable prospectus supplement;
</TD>
</TR>


<TR style="line-height: 6pt; font-size: 1pt"><TD>&nbsp;</TD></TR>


<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    as otherwise stated in the articles of amendment to our amended
    and restated certificate of incorporation establishing the
    series of such preferred stock;&#160;and
</TD>
</TR>


<TR style="line-height: 6pt; font-size: 1pt"><TD>&nbsp;</TD></TR>


<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    as otherwise required by applicable law.
</TD>
</TR>

</TABLE>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <I>Transfer Agent and Registrar.</I>&#160;&#160;Unless otherwise
    stated in the applicable prospectus supplement, the transfer
    agent for any additional class or series of our preferred stock
    will be Computershare Limited.
</DIV>

<DIV style="margin-top: 12pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; font-size: 10pt; font-family: Arial, Helvetica; color: #000000; background: #FFFFFF">

    <B><FONT style="font-family: 'Times New Roman', Times">Debt
    Securities</FONT></B>
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    When we offer to sell debt securities, we will describe the
    specific terms of the offering and the debt securities in a
    supplement to this prospectus.
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    We are a holding company and conduct substantially all of our
    operations through subsidiaries. As a result, claims of holders
    of the debt securities will generally have a junior position to
    claims of creditors of our subsidiaries, except to the extent
    that we may be recognized as a creditor of those subsidiaries.
    In addition, our right to participate as a stockholder in any
    distribution of assets of any subsidiary (and thus the ability
    of holders of the debt securities to benefit as creditors of the
    company from such distribution) is junior to creditors of that
    subsidiary.
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    We may issue debt securities from time to time in one or more
    series. We may issue senior or subordinated debt securities
    under one or more separate indentures, which may be supplemented
    or amended from time to time. Senior debt securities will be
    issued under a senior indenture and subordinated debt securities
    will be issued under a subordinated indenture. The senior debt
    indenture and the subordinated debt indenture are referred to
    individually in this prospectus as the &#147;indenture&#148; and
    collectively as the &#147;indentures.&#148; The indentures are
    subject to and governed by the Trust&#160;Indenture Act of 1939,
    as amended, and may be supplemented or amended from time to time
    following their execution.
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    The debt securities will be our direct obligations. The
    particular terms of a series of debt securities and the extent,
    if any, to which the particular terms of the issue modify the
    terms of the indenture will be described in the
</DIV>
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<P align="center" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <BR>
    12
</DIV><!-- END PAGE WIDTH -->
<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#tocpage">Table of Contents</A></H5><P>

<DIV style="width: 87%; margin-left: 6%"><!-- BEGIN PAGE WIDTH -->
<!-- XBRL Pagebreak End -->

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 0%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    accompanying prospectus supplement relating to such series of
    debt securities. This description will contain all or some of
    the following, as applicable:
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">

<TR>
    <TD width="4%"></TD>
    <TD width="2%"></TD>
    <TD width="94%"></TD>
</TR>

<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    the title of the debt securities and whether the debt securities
    are senior debt securities or subordinated debt securities;
</TD>
</TR>


<TR style="line-height: 6pt; font-size: 1pt"><TD>&nbsp;</TD></TR>


<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    the aggregate principal amount of the debt securities being
    offered, the aggregate principal amount of debt securities
    outstanding, and any limit on the principal amount, including
    the aggregate principal amount of debt securities authorized;
</TD>
</TR>


<TR style="line-height: 6pt; font-size: 1pt"><TD>&nbsp;</TD></TR>


<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    the terms and conditions, if any, upon which the debt securities
    are convertible into our common stock, preferred stock or other
    securities, including the conversion price or its manner of
    calculation, the conversion period, provisions as to whether
    conversion will be at our option or the option of the holders,
    the events requiring an adjustment to the conversion price and
    provisions affecting conversion in the event of the redemption
    of the debt securities;
</TD>
</TR>


<TR style="line-height: 6pt; font-size: 1pt"><TD>&nbsp;</TD></TR>


<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    the percentage of the principal amount at which we will issue
    the debt securities and, if other than the principal amount of
    the debt securities, the portion of the principal amount payable
    upon declaration of acceleration of their maturity, or, if
    applicable, the portion of the principal amount of the debt
    securities that is convertible into our capital stock, or the
    method for determining the portion;
</TD>
</TR>


<TR style="line-height: 6pt; font-size: 1pt"><TD>&nbsp;</TD></TR>


<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    the denominations of the debt securities, if other than
    denominations of an integral multiple of $1,000;
</TD>
</TR>


<TR style="line-height: 6pt; font-size: 1pt"><TD>&nbsp;</TD></TR>


<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    the date or dates, or the method for determining the date or
    dates, on which the principal of the debt securities will be
    payable and the amount of principal payable on the debt
    securities;
</TD>
</TR>


<TR style="line-height: 6pt; font-size: 1pt"><TD>&nbsp;</TD></TR>


<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    the rate or rates, which may be fixed or variable, at which the
    debt securities will bear interest, if any, or the method for
    determining the rate or rates, the date or dates from which the
    interest will accrue or the method for determining the date or
    dates, the interest payment dates on which any interest will be
    payable and the regular record dates for the interest payment
    dates or the method for determining the dates, the person to
    whom interest should be payable, and the basis for calculating
    interest if other than that of a
    <FONT style="white-space: nowrap">360-day</FONT> year
    consisting of twelve
    <FONT style="white-space: nowrap">30-day</FONT>
    months;
</TD>
</TR>


<TR style="line-height: 6pt; font-size: 1pt"><TD>&nbsp;</TD></TR>


<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    the place or places where the principal of, and any premium or
    make-whole amount, any interest on, and any additional amounts
    payable in respect of, the debt securities will be payable,
    where holders of debt securities may surrender for registration
    of transfer or exchange, and where holders may serve notices or
    demands to or upon us in respect of the debt securities and the
    applicable indenture;
</TD>
</TR>


<TR style="line-height: 6pt; font-size: 1pt"><TD>&nbsp;</TD></TR>


<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    any provisions for the redemption of the debt securities, the
    period or periods within which, the price or prices, including
    any premium or make-whole amount, at which, the currency or
    currencies, currency unit or units or composite currency or
    currencies in which, and other terms and conditions upon which
    the debt securities may be redeemed in whole or in part at our
    option, if we have the option;
</TD>
</TR>


<TR style="line-height: 6pt; font-size: 1pt"><TD>&nbsp;</TD></TR>


<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    our obligation, if any, to redeem, repay or purchase the debt
    securities pursuant to any sinking fund or analogous provision
    or at the option of a holder of the debt securities, and the
    period or periods within which or the date or dates on which,
    the price or prices at which, the currency or currencies,
    currency unit or units or composite currency or currencies in
    which, and other terms and conditions upon which the debt
    securities will be redeemed, repaid or purchased, in whole or in
    part, pursuant to the obligation;
</TD>
</TR>


<TR style="line-height: 6pt; font-size: 1pt"><TD>&nbsp;</TD></TR>


<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    if other than United States dollars, the currency or currencies
    in which the debt securities will be denominated and payable,
    which may be a foreign currency or units of two or more foreign
    currencies or a composite currency or currencies;
</TD>
</TR>


<TR style="line-height: 6pt; font-size: 1pt"><TD>&nbsp;</TD></TR>


<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    whether the amount of payments of principal of, and any premium
    or make-whole amount, or any interest on the debt securities may
    be determined with reference to an index, formula or other
    method, which index, formula or method may be based on one or
    more currencies, currency units, composite currencies,
    commodities, equity indices or other indices, and the manner for
    determining the amounts;
</TD>
</TR>

</TABLE>
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<P align="center" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <BR>
    13
</DIV><!-- END PAGE WIDTH -->
<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#tocpage">Table of Contents</A></H5><P>

<DIV style="width: 87%; margin-left: 6%"><!-- BEGIN PAGE WIDTH -->
<!-- XBRL Pagebreak End -->

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">

<TR>
    <TD width="4%"></TD>
    <TD width="2%"></TD>
    <TD width="94%"></TD>
</TR>

<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    whether the principal of, and any premium or make-whole amount,
    or any interest or additional amounts on the debt securities are
    to be payable, at our election or at the election of a holder,
    in a currency or currencies, currency unit or units or composite
    currency or currencies other than that in which the debt
    securities are denominated or stated to be payable, the period
    or periods within which, and the terms and conditions upon
    which, the election may be made, and the time and manner of, and
    identity of the exchange rate agent with responsibility for,
    determining the exchange rate between the currency or
    currencies, currency unit or units or composite currency or
    currencies in which the debt securities are denominated or
    stated to be payable and the currency or currencies, currency
    unit or units or composite currency or currencies in which the
    debt securities are to be so payable;
</TD>
</TR>


<TR style="line-height: 6pt; font-size: 1pt"><TD>&nbsp;</TD></TR>


<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    provisions, if any, granting special rights to the holders of
    the debt securities upon the occurrence of specified events;
</TD>
</TR>


<TR style="line-height: 6pt; font-size: 1pt"><TD>&nbsp;</TD></TR>


<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    any deletions from, modifications of or additions to the events
    of default or covenants with respect to the debt securities,
    whether or not the events of default or covenants are consistent
    with the events of default or covenants set forth in the
    applicable indenture;
</TD>
</TR>


<TR style="line-height: 6pt; font-size: 1pt"><TD>&nbsp;</TD></TR>


<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    whether the debt securities will be issued in certificated or
    book-entry form;
</TD>
</TR>


<TR style="line-height: 6pt; font-size: 1pt"><TD>&nbsp;</TD></TR>


<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    the applicability, if any, of the defeasance and covenant
    defeasance provisions of the applicable indenture;
</TD>
</TR>


<TR style="line-height: 6pt; font-size: 1pt"><TD>&nbsp;</TD></TR>


<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    whether and under what circumstances we will pay additional
    amounts as contemplated in the applicable indenture on the debt
    securities in respect of any tax, assessment or governmental
    charge and, if so, whether we will have the option to redeem the
    debt securities rather than pay the additional amounts, and the
    terms of the option;
</TD>
</TR>


<TR style="line-height: 6pt; font-size: 1pt"><TD>&nbsp;</TD></TR>


<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    any restrictions or condition on the transferability of the debt
    securities;
</TD>
</TR>


<TR style="line-height: 6pt; font-size: 1pt"><TD>&nbsp;</TD></TR>


<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    the exchanges, if any, on which the debt securities may be
    listed;
</TD>
</TR>


<TR style="line-height: 6pt; font-size: 1pt"><TD>&nbsp;</TD></TR>


<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    the trustee, authenticating or paying agent, transfer agent or
    registrar, and
</TD>
</TR>


<TR style="line-height: 6pt; font-size: 1pt"><TD>&nbsp;</TD></TR>


<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    any other material terms of the debt securities and the
    applicable indenture.
</TD>
</TR>

</TABLE>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    The indentures contain the full legal text of the matters
    described in this section. Because this section is a summary, it
    does not describe every aspect of the debt securities or the
    indentures. This summary is subject to and is qualified in its
    entirety by reference to all the provisions of the indentures,
    including definitions of terms used in the indentures. Your
    rights are defined by the terms of the indentures, not the
    summary provided herein. This summary is also subject to and
    qualified by reference to the description of the particular
    terms of a particular series of debt securities described in the
    applicable prospectus supplement or supplements. There may be
    other provisions that also are important to you.
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    Some of the debt securities may be issued as original issue
    discount debt securities (the &#147;Original Issue Discount
    Securities&#148;). Original Issue Discount Securities bear no
    interest or bear interest at below market rates and will be sold
    at a discount below their stated principal amount. The
    prospectus supplement relating to an issue of Original Issue
    Discount Securities will contain information relating to
    U.S.&#160;Federal income tax, accounting, and other special
    considerations applicable to Original Issue Discount Securities.
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    Holders may present debt securities for exchange or transfer, in
    the manner, at the places and subject to the restrictions stated
    in the debt securities and described in the applicable
    prospectus supplement and other offering material we may
    provide. We will provide these services without charge except
    for any tax or other governmental charge payable in connection
    with these services and subject to any limitations provided in
    the applicable indenture pursuant to which such debt securities
    are issued.
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    Holders may transfer debt securities in definitive bearer form
    and the related coupons, if any, by delivery to the transferee.
    If any of the securities are held in global form, the procedures
    for transfer of interests in those securities will depend upon
    the procedures of the depositary for those global securities.
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    We will generally have no obligation to repurchase, redeem, or
    change the terms of debt securities upon any event (including a
    change in control) that might have an adverse effect on our
    credit quality.
</DIV>
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<P align="center" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <BR>
    14
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<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#tocpage">Table of Contents</A></H5><P>

<DIV style="width: 87%; margin-left: 6%"><!-- BEGIN PAGE WIDTH -->
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<DIV align="left" style="margin-left: 0%; margin-right: 0%; font-size: 10pt; font-family: Arial, Helvetica; color: #000000; background: #FFFFFF">

    <B><FONT style="font-family: 'Times New Roman', Times">Rights</FONT></B>
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    When we offer to sell rights, we will describe the specific
    terms of the offering and the rights in a supplement to this
    prospectus. Rights may be issued independently or together with
    any other offered security and may or may not be transferable by
    the person purchasing or receiving the rights. In connection
    with any rights offering to our stockholders, we may enter into
    a standby underwriting or other arrangement with one or more
    underwriters or other persons pursuant to which such
    underwriters or other person would purchase any offered
    securities remaining unsubscribed for after such rights
    offering. Each series of rights will be issued under a separate
    rights agent agreement to be entered into between us and a bank
    or trust company, as rights agent, that we will name in the
    applicable prospectus supplement. The rights agent will act
    solely as our agent in connection with the certificates relating
    to the rights of the series of certificates and will not assume
    any obligation or relationship of agency or trust for or with
    any holders of rights certificates or beneficial owners of
    rights.
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    The prospectus supplement accompanying this prospectus relating
    to any rights we offer will include specific terms relating to
    the offering, including, among others, the date of determining
    the stockholders entitled to the rights distribution, the
    aggregate number of rights issued and the aggregate number of
    shares of common stock or other securities purchasable upon
    exercise of the rights, the exercise price, the conditions to
    completion of the offering, the date on which the right to
    exercise the rights will commence and the date on which the
    right will expire and any applicable U.S.&#160;Federal income
    tax considerations. To the extent that any particular terms of
    the rights, rights agent agreements or rights certificates
    described in a prospectus supplement differ from any of the
    terms described herein, then the terms described herein will be
    deemed to have been superseded by that prospectus supplement.
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    Each right would entitle the holder of the rights to purchase
    for cash the principal amount of shares of common stock or other
    securities at the exercise price set forth in the applicable
    prospectus supplement. Rights may be exercised at any time up to
    the time designated in the applicable prospectus supplement on
    the expiration date for the rights provided in the applicable
    prospectus supplement. After the time designated in the
    applicable prospectus supplement on the expiration date, all
    unexercised rights would become void and of no further force or
    effect.
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    Holders may exercise rights as described in the applicable
    prospectus supplement. Upon receipt of payment and the rights
    certificate properly completed and duly executed at the
    corporate trust office of the rights agent or any other office
    indicated in the prospectus supplement, we will, as soon as
    practicable, forward the shares of common stock or other
    securities purchasable upon exercise of the rights. If less than
    all of the rights issued in any rights offering are exercised,
    we may offer any unsubscribed securities directly to persons
    other than stockholders, to or through agents, underwriters or
    dealers or through a combination of such methods, including
    pursuant to standby arrangements, as described in the applicable
    prospectus supplement.
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    Before the exercise of their rights, holders of rights will not
    have any of the rights of holders of the securities purchasable
    upon the exercise of the rights, and will not be entitled to,
    among other things, vote or receive dividend payments or similar
    distributions on the securities purchasable upon exercise.
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    The description in the applicable prospectus supplement and
    other offering material of any rights we offer will not
    necessarily be complete and will be qualified in its entirety by
    reference to the applicable rights agent agreement, which will
    be filed with the SEC if we offer rights. For more information
    on how you can obtain copies of the applicable rights agent
    agreement if we offer rights, see <I>&#147;Incorporation of
    Certain Information by Reference&#148; </I>and <I>&#147;Where
    You can Find More Information.&#148; </I>We urge you to read the
    applicable rights agent agreement and the applicable prospectus
    supplement and any other offering material in their entirety.
</DIV>

<DIV style="margin-top: 12pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; font-size: 10pt; font-family: Arial, Helvetica; color: #000000; background: #FFFFFF">

    <B><FONT style="font-family: 'Times New Roman', Times">Warrants</FONT></B>
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    When we offer to sell warrants, we will describe the specific
    terms of the offering and the warrants in a supplement to this
    prospectus. We may issue warrants independently or together with
    other securities. Warrants sold with other securities may be
    attached to or separate from the other securities. We will issue
    warrants, if any, under one or more warrant agreements between
    us and a warrant agent that we will name in the prospectus
    supplement.
</DIV>
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<P align="center" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <BR>
    15
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<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#tocpage">Table of Contents</A></H5><P>

<DIV style="width: 87%; margin-left: 6%"><!-- BEGIN PAGE WIDTH -->
<!-- XBRL Pagebreak End -->

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    The prospectus supplement accompanying this prospectus relating
    to any warrants we offer will include specific terms relating to
    the offering, including, among others:
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">

<TR>
    <TD width="4%"></TD>
    <TD width="2%"></TD>
    <TD width="94%"></TD>
</TR>

<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    the title and the aggregate number of warrants;
</TD>
</TR>


<TR style="line-height: 6pt; font-size: 1pt"><TD>&nbsp;</TD></TR>


<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    the debt securities or stock for which each warrant is
    exercisable;
</TD>
</TR>


<TR style="line-height: 6pt; font-size: 1pt"><TD>&nbsp;</TD></TR>


<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    the date or dates on which the right to exercise such warrants
    commence and expire;
</TD>
</TR>


<TR style="line-height: 6pt; font-size: 1pt"><TD>&nbsp;</TD></TR>


<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    the price or prices at which such warrants are exercisable;
</TD>
</TR>


<TR style="line-height: 6pt; font-size: 1pt"><TD>&nbsp;</TD></TR>


<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    the currency or currencies in which such warrants are
    exercisable;
</TD>
</TR>


<TR style="line-height: 6pt; font-size: 1pt"><TD>&nbsp;</TD></TR>


<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    the periods during which and places at which such warrants are
    exercisable;
</TD>
</TR>


<TR style="line-height: 6pt; font-size: 1pt"><TD>&nbsp;</TD></TR>


<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    the terms of any mandatory or optional call provisions;
</TD>
</TR>


<TR style="line-height: 6pt; font-size: 1pt"><TD>&nbsp;</TD></TR>


<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    the price or prices, if any, at which the warrants may be
    redeemed at the option of the holder or will be redeemed upon
    expiration;
</TD>
</TR>


<TR style="line-height: 6pt; font-size: 1pt"><TD>&nbsp;</TD></TR>


<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    the identity of the warrant agent; and
</TD>
</TR>


<TR style="line-height: 6pt; font-size: 1pt"><TD>&nbsp;</TD></TR>


<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    the exchanges, if any, on which such warrants may be listed.
</TD>
</TR>

</TABLE>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    You may exercise warrants by payment to our warrant agent of the
    exercise price, in each case in such currency or currencies as
    are specified in the warrant, and giving your identity and the
    number of warrants to be exercised. Once you pay our warrant
    agent and deliver the properly completed and executed warrant
    certificate to our warrant agent at the specified office, our
    warrant agent will, as soon as practicable, forward securities
    to you in authorized denominations or share amounts. If you
    exercise less than all of the warrants evidenced by your warrant
    certificate, you will be issued a new warrant certificate for
    the remaining amount of warrants.
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    Before the exercise of their warrants, holders of warrants will
    not have any of the rights of holders of the securities
    purchasable upon the exercise of the warrants, and will not be
    entitled to, among other things, vote or receive dividend
    payments or similar distributions on the securities purchasable
    upon exercise.
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    The description in the applicable prospectus supplement and
    other offering material of any warrants we offer will not
    necessarily be complete and will be qualified in its entirety by
    reference to the applicable warrant agreement, which will be
    filed with the SEC if we offer warrants. For more information on
    how you can obtain copies of the applicable warrant agreement if
    we offer warrants, see <I>&#147;Incorporation of Certain
    Information by Reference&#148; </I>and <I>&#147;Where You can
    Find More Information.&#148; </I>We urge you to read the
    applicable warrant agreement and the applicable prospectus
    supplement and any other offering material in their entirety.
</DIV>

<DIV style="margin-top: 12pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; font-size: 10pt; font-family: Arial, Helvetica; color: #000000; background: #FFFFFF">

    <B><FONT style="font-family: 'Times New Roman', Times">Depositary
    Shares</FONT></B>
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    When we offer to sell depositary shares, we will describe the
    specific terms of the offering and the depositary shares in a
    supplement to this prospectus. The prospectus supplement will
    describe the specific terms of the depositary shares offered
    through that prospectus supplement and any general terms
    outlined in this section that will not apply to those depositary
    shares.
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    We may offer depositary shares representing receipts for
    fractional interests in debt securities or fractional shares of
    our common or preferred stock in the form of depositary shares.
    Each depositary share would represent a fractional interest in a
    security of a particular series of debt securities or a fraction
    of a share of our common or preferred stock, as the case may be,
    and would be represented by a depositary receipt.
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    The debt securities, common stock or preferred stock underlying
    the depositary shares will be deposited under a separate deposit
    agreement between us and a bank or trust company having its
    principal office in the United States, which we refer to in this
    prospectus as the &#147;depositary.&#148; We will name the
    depositary in the applicable prospectus supplement. Subject to
    the terms of the deposit agreement, each owner of a depositary
    share will be entitled to the applicable fraction of a share of
    a debt security or share of common or preferred stock, as the
    case may be represented by the depositary share, including any
    dividend, voting, redemption, conversion, and liquidation
    rights.
</DIV>
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<P align="center" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <BR>
    16
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<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#tocpage">Table of Contents</A></H5><P>

<DIV style="width: 87%; margin-left: 6%"><!-- BEGIN PAGE WIDTH -->
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<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 0%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    If necessary, the prospectus supplement will provide a
    description of U.S.&#160;Federal or other income tax
    consequences relating to the purchase and ownership of the
    series of depositary shares offered by that prospectus
    supplement.
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    The depositary shares will be evidenced by depositary receipts
    issued under the deposit agreement. If you purchase fractional
    interests in the debt securities or fractional shares of common
    or preferred stock, you will receive depositary receipts as
    described in the applicable prospectus supplement. While the
    final depositary receipts are being prepared, we may order the
    depositary to issue temporary depositary receipts substantially
    identical to the final depositary receipts although not in final
    form. The holders of the temporary depositary receipts will be
    entitled to the same rights as if they held the depositary
    receipts in final form. Holders of the temporary depositary
    receipts will have the right to exchange them for the final
    depositary receipts at our expense.
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    The description in the applicable prospectus supplement and
    other offering material of any depositary shares we offer will
    not necessarily be complete and will be qualified in its
    entirety by reference to the applicable depositary agreement,
    which will be filed with the SEC if we offer depositary shares.
    For more information on how you can obtain copies of the
    applicable depositary agreement if we offer depositary shares,
    see <I>&#147;Incorporation of Certain Information by
    Reference&#148; </I>and <I>&#147;Where You can Find More
    Information.&#148; </I>We urge you to read the applicable
    depositary agreement and the applicable prospectus supplement
    and any other offering material in their entirety.
</DIV>

<DIV style="margin-top: 12pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; font-size: 10pt; font-family: Arial, Helvetica; color: #000000; background: #FFFFFF">

    <B><FONT style="font-family: 'Times New Roman', Times">Units</FONT></B>
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    When we offer to sell units, we will describe the specific terms
    of the offering and the units in a supplement to this
    prospectus. We may issue units comprising one or more of the
    securities described in this prospectus in any combination. Each
    unit will be issued so that the holder of the unit also is the
    holder of each security included in the unit. Thus, the holder
    of a unit will have the rights and obligations of a holder of
    each included security. The unit agreement under which a unit is
    issued may provide that the securities included in the unit may
    not be held or transferred separately at any time or at any time
    before a specified date.
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    The prospectus supplement accompanying this prospectus relating
    to the units we may offer will include specific terms relating
    to the offering, including, among others:
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">

<TR>
    <TD width="4%"></TD>
    <TD width="2%"></TD>
    <TD width="94%"></TD>
</TR>

<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    the designation and terms of the units and of the securities
    comprising the units, and whether and under what circumstances
    those securities may be held or transferred separately;
</TD>
</TR>


<TR style="line-height: 6pt; font-size: 1pt"><TD>&nbsp;</TD></TR>


<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    any provision for the issuance, payment, settlement, transfer or
    exchange of the units or of the securities comprising those
    units; and
</TD>
</TR>


<TR style="line-height: 6pt; font-size: 1pt"><TD>&nbsp;</TD></TR>


<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    and whether the units will be issued in fully registered or
    global form.
</TD>
</TR>

</TABLE>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    The description in the applicable prospectus supplement and
    other offering material of any units we offer will not
    necessarily be complete and will be qualified in its entirety by
    reference to the applicable unit agreement, which will be filed
    with the SEC if we offer units. For more information on how you
    can obtain copies of the applicable unit agreement if we offer
    units, see <I>&#147;Incorporation of Certain Information by
    Reference&#148; </I>and <I>&#147;Where You can Find More
    Information.&#148; </I>We urge you to read the applicable unit
    agreement and the applicable prospectus supplement and any other
    offering material in their entirety.
</DIV>

<A name='111'>
<DIV style="margin-top: 18pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="center" style="margin-left: 0%; margin-right: 0%; font-size: 10pt; font-family: Arial, Helvetica; color: #000000; background: #FFFFFF">

    <B><FONT style="font-family: 'Times New Roman', Times">PLAN OF
    DISTRIBUTION</FONT></B>
</DIV>
</A>
<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    We may sell the securities in any one or more of the following
    ways:
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">

<TR>
    <TD width="4%"></TD>
    <TD width="2%"></TD>
    <TD width="94%"></TD>
</TR>

<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    directly to one or more purchasers;
</TD>
</TR>


<TR style="line-height: 6pt; font-size: 1pt"><TD>&nbsp;</TD></TR>


<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    through agents;
</TD>
</TR>


<TR style="line-height: 6pt; font-size: 1pt"><TD>&nbsp;</TD></TR>


<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    to dealers;
</TD>
</TR>


<TR style="line-height: 6pt; font-size: 1pt"><TD>&nbsp;</TD></TR>


<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    through underwriters, brokers or dealers; or
</TD>
</TR>


<TR style="line-height: 6pt; font-size: 1pt"><TD>&nbsp;</TD></TR>


<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    through a combination of any of these methods of sale.
</TD>
</TR>

</TABLE>
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<P align="center" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <BR>
    17
</DIV><!-- END PAGE WIDTH -->
<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#tocpage">Table of Contents</A></H5><P>

<DIV style="width: 87%; margin-left: 6%"><!-- BEGIN PAGE WIDTH -->
<!-- XBRL Pagebreak End -->

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    Each time that we use this prospectus to sell our securities, we
    will also provide a prospectus supplement that contains the
    specific terms of the offering. We will set forth the terms of
    the offering of securities in a prospectus supplement, including:
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">

<TR>
    <TD width="4%"></TD>
    <TD width="2%"></TD>
    <TD width="94%"></TD>
</TR>

<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    the name or names of any underwriters, dealers, or agents and
    the type and amounts of securities underwritten or purchased by
    each of them;
</TD>
</TR>


<TR style="line-height: 6pt; font-size: 1pt"><TD>&nbsp;</TD></TR>


<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    the public offering price of the securities and the proceeds to
    us and any discounts, commissions or concessions allowed or
    reallowed or paid to dealers; and
</TD>
</TR>


<TR style="line-height: 6pt; font-size: 1pt"><TD>&nbsp;</TD></TR>


<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    any delayed delivery arrangements.
</TD>
</TR>

</TABLE>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    The offer and sale of the securities described in this
    prospectus by us, the underwriters, or the third parties
    described above may be effected from time to time in one or more
    transactions, including privately negotiated transactions,
    either:
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">

<TR>
    <TD width="4%"></TD>
    <TD width="2%"></TD>
    <TD width="94%"></TD>
</TR>

<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    at a fixed price or prices, which may be changed;
</TD>
</TR>


<TR style="line-height: 6pt; font-size: 1pt"><TD>&nbsp;</TD></TR>


<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    at market prices prevailing at the time of sale;
</TD>
</TR>


<TR style="line-height: 6pt; font-size: 1pt"><TD>&nbsp;</TD></TR>


<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    at prices related to the prevailing market prices; or
</TD>
</TR>


<TR style="line-height: 6pt; font-size: 1pt"><TD>&nbsp;</TD></TR>


<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    &#149;&#160;
</TD>
    <TD align="left">
    at negotiated prices.
</TD>
</TR>

</TABLE>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    Any public offering price and any discounts or concessions
    allowed or reallowed or paid to dealers may be changed from time
    to time.
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    We may engage in at the market offerings into an existing
    trading market in accordance with Rule&#160;415(a)(4) of the
    Securities Act of 1933.
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    If underwriters are used in the sale of any securities, the
    securities will be acquired by the underwriters for their own
    account and may be resold from time to time in one or more
    transactions, including negotiated transactions, at a fixed
    public offering price or at varying prices determined at the
    time of sale. The securities may be either offered to the public
    through underwriting syndicates represented by managing
    underwriters, or directly by underwriters. Generally, the
    underwriters&#146; obligations to purchase the securities will
    be subject to certain conditions precedent. The underwriters
    will be obligated to purchase all of the securities if they
    purchase any of the securities.
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    We may sell the securities through agents from time to time. The
    prospectus supplement will name any agent involved in the offer
    or sale of our securities and any commissions we pay to them.
    Generally, any agent will be acting on a best efforts basis for
    the period of its appointment. Underwriters, dealers and agents
    may engage in transactions with us, perform services for us in
    the ordinary course of business.
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    Unless otherwise specified in the related prospectus supplement,
    each series of securities will be a new issue with no
    established trading market, other than the common stock which is
    listed on the Nasdaq Global Select Market. Any common stock sold
    pursuant to a prospectus supplement will be listed on the Nasdaq
    Global Select Market, subject to official notice of issuance,
    unless the Company&#146;s issued and outstanding common stock at
    the date of the prospectus supplement is listed on another
    exchange. We may elect to list any series of debt securities or
    preferred stock, respectively, on an exchange, but we are not
    obligated to do so. It is possible that one or more underwriters
    may make a market in a series of securities, but such
    underwriters will not be obligated to do so and may discontinue
    any market making at any time without notice. Therefore, no
    assurance can be given as to the liquidity of, or the trading
    market for, any series of debt securities or preferred stock.
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    We may authorize underwriters, dealers, or agents to solicit
    offers by certain purchasers to purchase our securities at the
    public offering price set forth in the prospectus supplement
    pursuant to delayed delivery contracts providing for payment and
    delivery on a specified date in the future. The contracts will
    be subject only to those conditions set forth in the prospectus
    supplement, and the prospectus supplement will set forth any
    commissions or discounts we pay for solicitation of these
    contracts.
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    Agents and underwriters may be entitled to indemnification by us
    against certain civil liabilities, including liabilities under
    the Securities Act or to contribution with respect to payments
    that the agents or underwriters may be
</DIV>
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<P align="center" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <BR>
    18
</DIV><!-- END PAGE WIDTH -->
<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#tocpage">Table of Contents</A></H5><P>

<DIV style="width: 87%; margin-left: 6%"><!-- BEGIN PAGE WIDTH -->
<!-- XBRL Pagebreak End -->

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 0%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    required to make in respect thereof. Agents and underwriters may
    be customers of, engage in transactions with, or perform
    services for us in the ordinary course of business.
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    We may enter into derivative transactions with third parties, or
    sell securities not covered by this prospectus to third parties
    in privately negotiated transactions. If the applicable
    prospectus supplement indicates in connection with those
    derivatives then the third parties may sell securities covered
    by this prospectus and the applicable prospectus supplement,
    including in short sale transactions. If so, the third party may
    use securities pledged by us or borrowed from us or others to
    settle those sales or to close out any related open borrowings
    of stock, and may use securities received from us in settlement
    of those derivatives to close out any related open borrowings of
    securities. The third party in such sale transactions will be an
    underwriter and will be identified in the applicable prospectus
    supplement (or a post-effective amendment).
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    To comply with applicable state securities laws, the securities
    offered by this prospectus will be sold, if necessary, in such
    jurisdictions only through registered or licensed brokers or
    dealers. In addition, securities may not be sold in some states
    unless they have been registered or qualified for sale in the
    applicable state or they are in compliance with an available
    exemption from the registration or qualification requirement.
</DIV>

<A name='112'>
<DIV style="margin-top: 18pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="center" style="margin-left: 0%; margin-right: 0%; font-size: 10pt; font-family: Arial, Helvetica; color: #000000; background: #FFFFFF">

    <B><FONT style="font-family: 'Times New Roman', Times">LEGAL
    MATTERS</FONT></B>
</DIV>
</A>
<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    Unless otherwise indicated in the applicable prospectus
    supplement, certain legal matters with respect to the securities
    being offered by this prospectus will be passed upon for us by
    Hunton&#160;&#038; Williams, LLP, counsel to Hanmi Financial
    Corporation. Any underwriters will be represented by their own
    legal counsel named in the applicable prospectus supplement.
</DIV>

<A name='113'>
<DIV style="margin-top: 18pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="center" style="margin-left: 0%; margin-right: 0%; font-size: 10pt; font-family: Arial, Helvetica; color: #000000; background: #FFFFFF">

    <B><FONT style="font-family: 'Times New Roman', Times">EXPERTS</FONT></B>
</DIV>
</A>
<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    The consolidated financial statements of Hanmi Financial
    Corporation and subsidiaries as of December&#160;31, 2008 and
    2007, and for each of the years in the three-year period ended
    December&#160;31, 2008, and management&#146;s assessment of the
    effectiveness of internal control over financial reporting as of
    December&#160;31, 2008, have been incorporated by reference
    herein and in the registration statement in reliance upon the
    reports of KPMG LLP, independent registered public accounting
    firm, incorporated by reference herein, and upon the authority
    of said firm as experts in accounting and auditing.
</DIV>
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<P align="center" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <BR>
    19
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<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#tocpage">Table of Contents</A></H5><P>

<DIV style="width: 87%; margin-left: 6%"><!-- BEGIN PAGE WIDTH -->
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<DIV style="margin-top: 3pt; font-size: 1pt">&nbsp;</DIV>
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