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<SEC-DOCUMENT>0000950123-10-058672.txt : 20100616
<SEC-HEADER>0000950123-10-058672.hdr.sgml : 20100616
<ACCEPTANCE-DATETIME>20100616171751
ACCESSION NUMBER:		0000950123-10-058672
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		13
CONFORMED PERIOD OF REPORT:	20100611
ITEM INFORMATION:		Other Events
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20100616
DATE AS OF CHANGE:		20100616

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:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-30421
		FILM NUMBER:		10901312

	BUSINESS ADDRESS:	
		STREET 1:		3660 WILSHIRE BLVD SUITE PH-A
		CITY:			LOS ANGELES
		STATE:			CA
		ZIP:			90010
		BUSINESS PHONE:		2133822200
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>v56465e8vk.htm
<DESCRIPTION>FORM 8-K
<TEXT>
<HTML>
<HEAD>
<TITLE>e8vk</TITLE>
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<BODY bgcolor="#FFFFFF">
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<H5 align="left" style="page-break-before:always"><A HREF="#toc">Table of Contents</A></H5><P>
<DIV style="font-family: 'Times New Roman',Times,serif">


<DIV style="width: 100%; border-bottom: 2pt solid black; font-size: 1pt">&nbsp;</DIV>
<DIV style="width: 100%; border-bottom: 1pt solid black; font-size: 1pt">&nbsp;</DIV>








<DIV align="center" style="font-size: 14pt; margin-top: 12pt"><B>UNITED STATES<BR>
SECURITIES AND EXCHANGE COMMISSION</B>
</DIV>

<DIV align="center" style="font-size: 12pt"><B>Washington, D.C. 20549</B>
</DIV>

<DIV align="center" style="font-size: 18pt; margin-top: 12pt"><B><DIV align="center"><DIV style="FONT-size: 3pt; margin-top: 16pt; width: 26%; border-top: 1px solid #000000">&nbsp;</DIV></DIV></B>
</DIV>

<DIV align="center" style="font-size: 18pt; margin-top: 12pt"><B>FORM 8-K</B>
</DIV>

<DIV align="center" style="font-size: 18pt; margin-top: 12pt"><B><DIV align="center"><DIV style="FONT-size: 3pt; margin-top: 16pt; width: 26%; border-top: 1px solid #000000">&nbsp;</DIV></DIV></B>
</DIV>


<DIV align="center" style="font-size: 12pt; margin-top: 12pt"><B>CURRENT REPORT<BR>
Pursuant to Section&nbsp;13 or 15(d) of The Securities Exchange Act of 1934</B>
</DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 12pt">
<B>June&nbsp;11, 2010<BR>

Date of Report (date of earliest event reported)</B></DIV>


<DIV align="center" style="font-size: 24pt; margin-top: 12pt"><B><DIV align="center"><DIV style="FONT-size: 3pt; margin-top: 16pt; width: 26%; border-top: 1px solid #000000">&nbsp;</DIV></DIV></B>
</DIV>

<DIV align="center" style="font-size: 24pt; margin-top: 12pt"><B>HANMI FINANCIAL CORPORATION</B>
</DIV>

<DIV align="center" style="font-size: 10pt">
<B>(exact names of registrant as specified in its charter)</B></DIV>


<DIV align="center" style="font-size: 10pt">
<DIV align="center"><DIV style="FONT-size: 3pt; margin-top: 16pt; width: 26%; border-top: 1px solid #000000">&nbsp;</DIV></DIV></DIV>


<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
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<TR valign="bottom">
    <TD width="31%">&nbsp;</TD>
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    <TD width="3%">&nbsp;</TD>
    <TD width="31%">&nbsp;</TD>
</TR>
<TR></TR>
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<TR valign="bottom">
    <TD align="center" valign="top"><B>Delaware<BR>
(state or other jurisdiction of <BR>
incorporation or organization)</B>
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top"><B>Commission File Number<BR>
000-30421</B>
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top"><B>95-4788120<BR>
(I.R.S. Employer Identification Number)</B></TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 12pt">
<DIV align="center"><DIV style="FONT-size: 3pt; margin-top: 16pt; width: 26%; border-top: 1px solid #000000">&nbsp;</DIV></DIV></DIV>


<DIV align="center" style="font-size: 10pt; margin-top: 12pt">
<B>3660 Wilshire Boulevard, Ph-A<BR>

Los Angeles, California 90010<BR>

(Address of principal executive offices, including zip code)</B></DIV>


<DIV align="center" style="font-size: 10pt; margin-top: 12pt">
<B>(213)&nbsp;382-2200<BR>

(Registrant&#146;s telephone number, including area code)</B></DIV>


<DIV align="center" style="font-size: 10pt; margin-top: 12pt">
<B>Not Applicable<BR>

(Former name or former address, if changed since last report)</B></DIV>


<DIV align="center" style="font-size: 10pt; margin-top: 12pt">
<DIV align="center"><DIV style="FONT-size: 3pt; margin-top: 16pt; width: 26%; border-top: 1px solid #000000">&nbsp;</DIV></DIV></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt">
Check the appropriate box below if the Form 8-K filing is intended to
simultaneously satisfy the filing obligation of the registrant under any of the
following provisions:
</div>
<DIV align="left" style="margin-top: 6pt">
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    <TD></TD>
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<TR>
    <TD valign="top"><FONT style="font-family: Wingdings">&#111;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>Written communications pursuant to Rule&nbsp;425 under the Securities Act (17 CFR 230.425)
</TD>
</TR>
</TABLE>
</DIV>

<DIV align="left" style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; background: transparent; color: #000000">
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    <TD></TD>
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<TR>
    <TD valign="top"><FONT style="font-family: Wingdings">&#111;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>Soliciting material pursuant to Rule&nbsp;14a-12 under the Exchange Act (17 CFR 240.14a-12)
</TD>
</TR>
</TABLE>
</DIV>

<DIV align="left" style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; background: transparent; color: #000000">
<TR>
    <TD width="3%"></TD>
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    <TD></TD>
</TR>

<TR>
    <TD valign="top"><FONT style="font-family: Wingdings">&#111;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>Pre-commencement communications pursuant to Rule&nbsp;14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
</TD>
</TR>
</TABLE>
</DIV>

<DIV align="left" style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; background: transparent; color: #000000">
<TR>
    <TD width="3%"></TD>
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    <TD></TD>
</TR>

<TR>
    <TD valign="top"><FONT style="font-family: Wingdings">&#111;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>Pre-commencement communications pursuant to Rule&nbsp;13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
</TD>
</TR>
</TABLE>
</DIV>


<DIV style="width: 100%; border-bottom: 1pt solid black; margin-top: 10pt; font-size: 1pt">&nbsp;</DIV>
<DIV style="width: 100%; border-bottom: 2pt solid black; font-size: 1pt">&nbsp;</DIV>













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

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<P><HR noshade><P>

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




<!-- TOC -->
<A name="toc"><DIV align="CENTER" style="page-break-before:always"><U><B>TABLE OF CONTENTS</B></U></DIV></A>

<P><CENTER>
<TABLE border="0" width="90%" cellpadding="0" cellspacing="0">
<TR>
	<TD width="3%"></TD>
	<TD width="3%"></TD>
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	<TD width="76%"></TD>
</TR>
<TR><TD colspan="9"><A HREF="#000">Item&nbsp;8.01. Other Events</A></TD></TR>
<TR><TD colspan="9"><A HREF="#001">Item&nbsp;9.01. Financial Statements and Exhibits</A></TD></TR>
<TR><TD colspan="9"><A HREF="#002">SIGNATURE</A></TD></TR>
<TR><TD colspan="9"><A HREF="#003">INDEX TO EXHIBITS</A></TD></TR>
<TR><TD colspan="9"><A HREF="v56465exv1w1.htm">EX-1.1</A></TD></TR>
<TR><TD colspan="9"><A HREF="v56465exv4w1.htm">EX-4.1</A></TD></TR>
<TR><TD colspan="9"><A HREF="v56465exv5w1.htm">EX-5.1</A></TD></TR>
<TR><TD colspan="9"><A HREF="v56465exv99w1.htm">EX-99.1</A></TD></TR>
<TR><TD colspan="9"><A HREF="v56465exv99w2.htm">EX-99.2</A></TD></TR>
<TR><TD colspan="9"><A HREF="v56465exv99w3.htm">EX-99.3</A></TD></TR>
<TR><TD colspan="9"><A HREF="v56465exv99w4.htm">EX-99.4</A></TD></TR>
<TR><TD colspan="9"><A HREF="v56465exv99w5.htm">EX-99.5</A></TD></TR>
<TR><TD colspan="9"><A HREF="v56465exv99w6.htm">EX-99.6</A></TD></TR>
<TR><TD colspan="9"><A HREF="v56465exv99w7.htm">EX-99.7</A></TD></TR>
<TR><TD colspan="9"><A HREF="v56465exv99w8.htm">EX-99.8</A></TD></TR>
</TABLE>
</CENTER>
<!-- /TOC -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#toc">Table of Contents</A></H5><P>




<!-- link1 "Item&nbsp;8.01. Other Events" -->
<DIV align="left"><A NAME="000"></A></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt"><B>Item&nbsp;8.01. Other Events.</B>
</DIV>



<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In connection with the commencement of Hanmi Financial Corporation&#146;s (the &#147;<U>Company</U>&#148;) previously announced rights offering (the
&#147;<U>Rights Offering</U>&#148;) and best efforts public offering
(the &#147;<U>Public Offering</U>&#148;), on or about June&nbsp;11,
2010, the Company commenced mailing the prospectus supplement, dated
June&nbsp;11, 2010, and related prospectus, subscription
rights certificates to each holder of record of the Company&#146;s common stock, par value $0.001 per
share (the &#147;<U>Common Stock</U>&#148;), as of June&nbsp;7, 2010,
the record date for the Rights Offering, and the form of Subscription
Agreement and New Account Form that will be entered into with
purchasers in the Public Offering. A
copy of the form of Subscription Rights Certificate, Subscription
Agreement, New Account Form, Instructions for Use of Hanmi Financial
Corporation Subscription Rights Certificate, Notice of Guaranteed Delivery for Subscription Rights
Certificates issued by Hanmi Financial Corporation, Nominee Holder Certificate, Letter to
Registered Holders of Common Stock, Letter to Brokers and Other Nominee Holders and Letter to
Clients are each filed as exhibits 4.1, 99.1, 99.2, 99.3, 99.4, 99.5, 99.6, 99.7 and 99.8, respectively, to
this Current Report on Form 8-K.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Manatt, Phelps &#038; Phillips, LLP, as special counsel to the Company, has issued its opinion with
respect to the legality of the subscription rights (the &#147;<U>Rights</U>&#148;) issued in the Rights
Offering, the shares of Common Stock issuable upon exercise of the Rights and the shares of Common
Stock issuable in the Public Offering pursuant to the Agreement, which opinion is attached hereto
and incorporated herein by reference as Exhibit&nbsp;5.1.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Rights and the shares of common stock being offered for sale in the Public Offering and
the Rights Offering are being offered pursuant to a Registration Statement on Form S-3
(Registration No.&nbsp;333-163206) filed by the Company under the Securities Act of 1933, as amended,
and a related prospectus supplement dated June&nbsp;11, 2010. The prospectus supplement and related
prospectus contain important information about the Public Offering and the Rights Offering and
investors and stockholders are urged to read them carefully. Copies of the prospectus supplement
and related prospectus, as well as the other documents filed as exhibits hereto, may be obtained by
contacting Hanmi Financial Corp., Attn: Investor Relations, David J. Yang 213-637-4798.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In connection with the
Public Offering, on June&nbsp;16, 2010
the Company entered into a Placement Agency Agreement (the &#147;<U>Agreement</U>&#148;) with Cappello
Capital Corp. (&#147;<U>Cappello</U>&#148;) pursuant to which Cappello will act as placement agent on a best
efforts basis for the Public Offering. A copy of the Agreement is filed as exhibit&nbsp;1.1 to this Current Report on
Form&nbsp;8-K and is incorporated herein by reference.
</DIV>

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


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;This Current Report on Form 8-K shall not constitute an offer to sell or the solicitation of
an offer to buy any of the securities described herein, nor shall there be any sale of the
securities in any jurisdiction or state in which such offer, solicitation or sale would be unlawful
prior to registration or qualification under the securities laws of any such jurisdiction or state.
</DIV>

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


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;This report may contain forward-looking statements, which are included in accordance with the
&#147;safe harbor&#148; provisions of the Private Securities Litigation Reform Act of 1995. 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.
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.
These statements involve known and unknown risks, uncertainties and other 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. These factors include the following: inability to
consummate the proposed transaction (the &#147;<U>Transaction</U>&#148;) with Woori Finance Holdings Co.
Ltd. (&#147;<U>Woori</U>&#148;) on the terms contemplated in the Securities Purchase Agreement entered into
with Woori on May&nbsp;25, 2010; failure to receive regulatory or stockholder approval for the
Transaction; inability to continue as a going concern; inability to raise additional capital on
acceptable terms or at all; failure to maintain adequate levels of capital and liquidity to support
our operations; the effect of regulatory orders we have entered into and potential future
supervisory action against us or Hanmi Bank; general economic and business conditions
internationally, nationally and in those areas in which we operate; volatility and deterioration in
the credit
</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"><A HREF="#toc">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">and equity markets; changes in consumer spending, borrowing and savings habits; availability of
capital from private and government sources; demographic changes; competition for loans and
deposits and failure to attract or retain loans and deposits; fluctuations in interest rates and a
decline in the level of our interest rate spread; risks of natural disasters related to our real
estate portfolio; risks associated with Small Business Administration loans; failure to attract or
retain key employees; changes in governmental regulation, including, but not limited to, any
increase in FDIC insurance premiums; ability to receive regulatory approval for Hanmi Bank to
declare dividends to the Company; adequacy of our allowance for loan losses, credit quality and the
effect of credit quality on our provision for credit losses and allowance for loan losses; changes
in the financial performance and/or condition of our borrowers and the ability of our borrowers to
perform under the terms of their loans and other terms of credit agreements; our ability to
successfully integrate acquisitions we may make; our ability to control expenses; and changes in
securities markets. In addition, we set forth certain risks in our reports filed with the U.S.
Securities and Exchange Commission, including our Annual Report on Form 10-K for the fiscal year
ended December&nbsp;31, 2009, the prospectus supplement, dated June&nbsp;11, 2010 and current and periodic
reports filed with the U.S. Securities and Exchange Commission thereafter, which could cause actual
results to differ from those projected. We undertake no obligation to update such forward-looking
statements except as required by law.</DIV>

<!-- link1 "Item&nbsp;9.01. Financial Statements and Exhibits" -->
<DIV align="left"><A NAME="001"></A></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt"><B>Item&nbsp;9.01. Financial Statements and Exhibits.</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">(d)&nbsp;Exhibits.</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="5%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="90%">&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD nowrap align="left" style="border-bottom: 1px solid #000000">Number</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="left" style="border-bottom: 1px solid #000000">Description</TD>
</TR>

<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">1.1
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Placement Agency Agreement, dated June&nbsp;16, 2010, between Hanmi Financial Corporation and
Cappello Capital Corp.</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">4.1
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Form of Subscription Rights Certificate</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">5.1
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Opinion of Manatt, Phelps &#038; Phillips LLP</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">99.1
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Form of Subscription Agreement</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">99.2
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Form of New Account Form</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">99.3
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Form of Instructions for Use of Hanmi Financial Corporation Subscription Rights Certificate</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">99.4
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Form of Notice of Guaranteed Delivery for Subscription Rights Certificates issued by Hanmi
Financial Corporation</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">99.5
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Form of Nominee Holder Certificate</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">99.6
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Form of Letter to Registered Holders of Common Stock</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">99.7
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Form of Letter to Brokers and Other Nominee Holders</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">99.8
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Form of Letter to Clients</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>


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

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

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

<!-- link1 "SIGNATURE" -->
<DIV align="left"><A NAME="002"></A></DIV>

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

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused
this report to be signed on its behalf by the undersigned hereunto duly authorized.</DIV>


<TABLE width="100%" border="0" cellspacing="0" cellpadding="0" style="font-size: 10pt">
<TR>
    <TD width="48%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="35%">&nbsp;</TD>
    <TD width="15%">&nbsp;</TD>
</TR>
<TR>
    <TD valign="top" align="left">&nbsp;</TD>
    <TD colspan="3" align="left"><B>HANMI FINANCIAL CORPORATION</B><BR>
<I>(Registrant)</I><BR>
&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR><TR>
    <TD align="left">Date: June 16, 2010&nbsp;</TD>
    <TD valign="top">By:&nbsp;&nbsp;</TD>
    <TD colspan="2" style="border-bottom: 1px solid #000000" align="left"><FONT style="FONT-variant: SMALL-CAPS">/s/  Jay S. Yoo</FONT>
&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR><TR>
    <TD align="left">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left"><B>Jay S. Yoo</B>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR><TR>
    <TD align="left">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left"><B>President and Chief Executive Officer</B>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>

</TABLE>

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

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

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


<TABLE width="100%" border="0" cellspacing="0" cellpadding="0" style="font-size: 10pt">
<TR>
    <TD width="48%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="35%">&nbsp;</TD>
    <TD width="15%">&nbsp;</TD>
</TR>

</TABLE>
<!-- link1 "INDEX TO EXHIBITS" -->
<DIV align="left"><A NAME="003"></A></DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>INDEX TO EXHIBITS</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="5%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="90%">&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD nowrap align="left" style="border-bottom: 1px solid #000000">Number</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="left" style="border-bottom: 1px solid #000000">Description</TD>
</TR>

<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">1.1
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Placement Agency Agreement, dated June&nbsp;16, 2010, between Hanmi Financial Corporation and
Cappello Capital Corp.</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">4.1
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Form of Subscription Rights Certificate</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">5.1
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Opinion of Manatt, Phelps &#038; Phillips LLP</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">99.1
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Form of Subscription Agreement</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">99.2
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Form of New Account Form</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">99.3
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Form of Instructions for Use of Hanmi Financial Corporation Subscription Rights Certificate</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">99.4
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Form of Notice of Guaranteed Delivery for Subscription Rights Certificates issued by Hanmi
Financial Corporation</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">99.5
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Form of Nominee Holder Certificate</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">99.6
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Form of Letter to Registered Holders of Common Stock</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">99.7
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Form of Letter to Brokers and Other Nominee Holders</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">99.8
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Form of Letter to Clients</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>



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



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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-1.1
<SEQUENCE>2
<FILENAME>v56465exv1w1.htm
<DESCRIPTION>EX-1.1
<TEXT>
<HTML>
<HEAD>
<TITLE>exv1w1</TITLE>
</HEAD>
<BODY bgcolor="#FFFFFF">
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<DIV style="font-family: 'Times New Roman',Times,serif">

<DIV align="right" style="font-size: 10pt; margin-top: 12pt"><B>Exhibit&nbsp;1.1</B>
</DIV>


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


<DIV align="Center" style="font-size: 10pt; margin-top: 6pt"><B>Up to 100,000,000 Shares of Common Stock, $0.001 par value per share</B>
</DIV>

<DIV align="Center" style="font-size: 10pt; margin-top: 6pt"><B>PLACEMENT AGENCY AGREEMENT</B>
</DIV>
<DIV align="left" style="font-size: 10pt; margin-top: 6pt">June&nbsp;16, 2010
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">Cappello Capital Corp.<BR>
As Placement Agent<BR>
100 Wilshire Boulevard<BR>
Suite&nbsp;1200<BR>
Santa Monica, California 90401

</DIV>
<DIV align="left" style="font-size: 10pt; margin-top: 6pt">Ladies and Gentlemen:
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Hanmi Financial Corporation, a Delaware corporation (the &#147;<U>Company</U>&#148;), proposes, subject
to the terms and conditions stated in this Placement Agency Agreement (this &#147;<U>Agreement</U>&#148;)
and the Subscription Agreement in the form of <U>Exhibit&nbsp;A</U> attached hereto (the
&#147;<U>Subscription Agreement</U>&#148;) to be entered into with the investors identified therein (each,
an &#147;<U>Investor</U>&#148; and collectively, the &#147;<U>Investors</U>&#148;), to issue and sell up to an
aggregate of 100,000,000 shares (the &#147;<U>Shares</U>&#148;) of the Company&#146;s common stock, par value
$0.001 per share (the &#147;<U>Common Stock</U>&#148;), including 50,000,000 shares of Common Stock
initially in the best efforts public offering plus that number of shares of Common Stock not
subscribed for in the rights offering to be conducted by the Company concurrently with the best
efforts public offering, which could be up to 50,000,000 shares of Common Stock depending on the
number of shares subscribed for in the rights offering by the Company&#146;s stockholders (collectively,
the &#147;Offering&#148;). The Company hereby confirms its agreement with Cappello Capital Corp. (the
&#147;<U>Placement Agent</U>&#148;) to act as its exclusive Placement Agent in connection with the offer and
sale of the Shares as set forth below. The Shares are more fully described in the Prospectus (as
defined below).
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.&nbsp;<U>Agreement to Act as Placement Agent; Delivery and Payment</U>. On the basis of the
representations, warranties and agreements of the Company herein contained, and subject to the
terms and conditions set forth in this Agreement:
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a)&nbsp;The Company hereby engages the Placement Agent, as the exclusive agent of the
Company, to, on commercially reasonable best efforts basis, solicit offers to purchase Shares from
the Company on the terms and subject to the conditions set forth in the Subscription Agreement and
Prospectus. The Placement Agent shall use commercially reasonable best efforts to assist the
Company in obtaining performance by each Investor of the purchase the Shares, but the Placement
Agent shall not, except as otherwise provided in this Agreement, have any liability to the Company
in the event any such purchase is not consummated for any reason. Under no circumstances will the
Placement Agent or any of its affiliates be obligated to underwrite or
</DIV>




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



<DIV align="left" style="font-size: 10pt; margin-top: 6pt">purchase any of the Shares for its own account or otherwise provide any financing. The
Placement Agent shall act solely as the Company&#146;s agent and not as principal. The Placement Agent
shall not have any authority to bind the Company with respect to any prospective offer to purchase
Shares and the Company shall have the sole right to accept offers to purchase Shares and may reject
any such offer, in whole or in part. The Placement Agent shall have the right, in its discretion
reasonably exercised, with consent of the Company to reject any offer to purchase the Shares
received by it, in whole or in part, and any such rejection shall not be deemed a breach of this
Agreement.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b)&nbsp;As compensation for services rendered by the Placement Agent hereunder, on the
Closing Date (as defined below), the Company shall pay or cause to be paid to the Placement Agent
by wire transfer of immediately available funds to an account or accounts designated by the
Placement Agent, the cash compensation and the issuance of certain warrants (collectively, the
&#147;<U>Compensation</U>&#148;) agreed upon by and between the Company and the Placement Agent specifically
relating to the Placement Agent&#146;s offer and sale of the Shares pursuant to that certain Engagement
Letter dated January&nbsp;15, 2010 and as amended on May&nbsp;20, 2010 (the &#147;<U>Engagement Letter</U>&#148;).
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c)&nbsp;The Shares are being sold to the Investors at a price of $1.20 per share (the
&#147;<U>Purchase Price</U>&#148;) as set forth on the cover page of the Prospectus. The purchases of
Shares by the Investors shall be evidenced by the execution of the Subscription Agreement by each
of the parties thereto in the form attached hereto as <U>Exhibit&nbsp;A</U>.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d)&nbsp;Prior to the earlier of (i)&nbsp;the date on which this Agreement is terminated and
(ii)&nbsp;the Closing Date, the Company shall not, without the prior written consent of the Placement
Agent, solicit or accept offers to purchase Shares of the Company otherwise than through the
Placement Agent in accordance herewith.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(e)&nbsp;No Shares which the Company has agreed to sell pursuant to this Agreement and
the Subscription Agreement shall be deemed to have been purchased and paid for, or sold by the
Company, until such Shares shall have been delivered to the Investor purchasing such Shares against
payment therefor by such Investor. If the Company shall default in its obligations to deliver
Shares to an Investor whose offer it has accepted, the Company shall indemnify and hold the
Placement Agent harmless against any loss, claim, damage or liability directly or indirectly
arising from or as a result of the default by the Company in accordance with the procedures set
forth in Section 6(c) hereof.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(f)&nbsp;Payment of the purchase price for, and delivery of the Shares shall be made at a
closing (the &#147;<U>Closing</U>&#148;) at the offices of Manatt, Phelps &#038; Phillips, LLP, counsel to the
Company, at 11355 West Olympic Boulevard, Los Angeles, California 90064, at 10:00&nbsp;a.m., local time,
on the third business day after the Escrow Release Date (as defined below) or at such other time
and date as the Placement Agent and the Company shall mutually determine (such date of payment and
delivery being herein referred to as the &#147;<U>Closing Date</U>&#148;). Escrow Release Date shall mean
for purposes of this Agreement, the earlier of (i)&nbsp;when the Company has received total
subscriptions in the Offering for at least 87,500,000 of the offered shares, representing
$105,000,000 in gross proceeds to the Company, or (ii)&nbsp;the closing of the transaction with Woori
Finance Holdings, Ltd., (&#147;<U>Woori</U>&#148;) pursuant to that certain Securities
</DIV>




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



<DIV align="left" style="font-size: 10pt; margin-top: 6pt">Purchase Agreement by and between the Company and Woori dated May&nbsp;25, 2010 (the &#147;<U>Woori
SPA</U>&#148;). Unless otherwise specified in the applicable Subscription Agreement, the Shares will be
settled through the facilities of The Depository Trust Company&#146;s DWAC system. Subject to the terms
hereof, payment of the purchase price for the Shares shall be made to the Company in the manner set
forth below by Federal Funds wire transfer to an account designated by the Company, against
delivery of the Shares to such persons and shall be registered in the name or names and shall be in
such denominations as the Investors may request at least two business day before the Closing Date.
Payment of the purchase price for the Shares to be purchased by Investors shall be made by such
Investors directly to the Company. Subject to the terms and conditions hereof, on the Closing
Date, the Company shall pay to the Placement Agent the cash portion of the Compensation, issue the
warrants that are a part of the Compensation and reimburse the Placement Agent for the amount of
expenses for which such Placement Agent is entitled to reimbursement, all in accordance with the
Engagement Letter. At least two business days prior to the Closing Date, the Placement Agent shall
submit to the Company its bona fide estimate of the amount of expenses for which the Placement
Agent is entitled to reimbursement pursuant to the Engagement Letter. As soon as reasonably
practicable after the Closing Date, the Placement Agent shall submit to the Company its expense
reimbursement invoice and the Company or the Placement Agent, as applicable, shall make any
necessary reconciling payment(s) within thirty days of receipt of such invoices.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.1 <U>Representations and Warranties of the Company</U>. Except as Previously Disclosed,
the Company represents and warrants to the Placement Agent as of the date hereof, and as of the
Closing Date, the following:
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) <U>Filing of Registration Statement</U>. The Company has prepared and filed,
in conformity with the requirements of the Securities Act of 1933, as amended (the &#147;<U>Securities
Act</U>&#148;), and the published rules and regulations thereunder (the &#147;<U>Rules and Regulations</U>&#148;)
adopted by the Securities and Exchange Commission (the &#147;<U>Commission</U>&#148;), a registration
statement, including a prospectus, on Form S-3 (File No.&nbsp;333-163206), which became effective as of
November&nbsp;30, 2009, which provide for the offering of Common Stock and other securities of the
Company, including the Offering of the Shares, from time to time in accordance with Rule
415(a)(1)(x) of the Rules and Regulations, and such amendments thereof as may have been required to
the date of this Agreement. The term &#147;<U>Registration Statement</U>&#148; as used in this Agreement
means the aforementioned registration statement, as amended at the time of such registration
statement&#146;s effectiveness for purposes of Section&nbsp;11 of the Securities Act, (the &#147;<U>Effective
Time</U>&#148;), including (i)&nbsp;all documents filed as a part thereof or incorporated or deemed to be
incorporated by reference therein and (ii)&nbsp;any information in the corresponding Base Prospectus (as
defined below) or a prospectus supplement filed with the Commission pursuant to Rule 424(b) under
the Securities Act, to the extent such information is deemed pursuant to Rule&nbsp;430A (&#147;<U>Rule
430A</U>&#148;), 430B (&#147;<U>Rule&nbsp;430B</U>&#148;) or 430C (&#147;<U>Rule&nbsp;430C</U>&#148;) under the Securities Act to be
a part thereof at the Effective Time. For purposes of this Agreement, all references to the
Registration Statement, the Base Prospectus, any Preliminary Prospectus (as defined below), the
Prospectus or any amendment or supplement to any of the foregoing shall be deemed to include the
copy filed with the Commission pursuant to its Electronic Data Gathering, Analysis and Retrieval
System (&#147;<U>EDGAR</U>&#148;). All references in this Agreement to amendments or supplements to the
Registration Statement, the Base Prospectus, any Preliminary Prospectus or the Prospectus shall be
deemed to mean and include the subsequent filing of any document under the Exchange
</DIV>




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



<DIV align="left" style="font-size: 10pt; margin-top: 6pt">Act and which is deemed to be incorporated therein by reference therein or otherwise deemed to
be a part thereof.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) <U>Effectiveness of Registration Statement; Certain Defined Terms</U>. The
Company and the transactions contemplated by this Agreement meet the requirements and comply with
the conditions for the use of Form S-3 under the Securities Act. The Company has complied, to the
Commission&#146;s satisfaction, with all requests of the Commission for additional or supplemental
information. No stop order preventing or suspending use of the Registration Statement, any
Preliminary Prospectus or the Prospectus or the effectiveness of the Registration Statement has
been issued by the Commission, and no proceedings for such purpose pursuant to Section&nbsp;8A of the
Securities Act against the Company or related to the Offering have been instituted or are pending
or, to the Company&#146;s knowledge, are contemplated or threatened by the Commission, and any request
received by the Company on the part of the Commission for additional information has been complied
with. As used in this Agreement:
</DIV>



<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i) &#147;<U>Base Prospectus</U>&#148; means the prospectus included in the
Registration Statement at the Effective Time.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii) &#147;<U>Disclosure Package</U>&#148; means (i)&nbsp;the Statutory Prospectus (as
defined below) and (ii)&nbsp;the pricing and other information as set forth on <U>Exhibit&nbsp;B</U>
hereto, all considered together.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iii) &#147;<U>Preliminary Prospectus</U>&#148; means any preliminary prospectus
supplement, subject to completion, relating to the Shares, filed by the Company with the
Commission pursuant to Rule 424(b) under the Securities Act for use in connection with the
offering and sale of the Shares, together with the Base Prospectus attached to or used with
such preliminary prospectus supplement.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iv) &#147;<U>Prospectus</U>&#148; means the final prospectus supplement, relating to
the Shares, filed by the Company with the Commission pursuant to Rule 424(b) under the
Securities Act in the form furnished by the Company to the Placement Agents for use in
connection with the offering and sale of the Shares that discloses the public offering price
and other final terms of the Shares, together with the Base Prospectus attached to or used
with such final prospectus supplement.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(v) &#147;<U>Statutory Prospectus</U>&#148; means the Preliminary Prospectus, if any,
and the Base Prospectus, each as amended and supplemented immediately prior to the date
hereof, including any document incorporated by reference therein and any prospectus
supplement.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) <U>Contents of Registration Statement</U>. The Registration Statement complied
when it became effective, complies as of the date hereof and, as amended or supplemented, at all
times during which a prospectus is required by the Securities Act to be delivered (whether
physically or through compliance with Rule&nbsp;172 under the Securities Act or any similar rule) in
connection with any sale of Shares (the &#147;<U>Prospectus Delivery Period</U>&#148;), will comply, in all
material respects, with the requirements of the Securities Act and the Rules and Regulations; the
Registration Statement did not, as of the Effective Time, contain an untrue statement of a
</DIV>




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



<DIV align="left" style="font-size: 10pt; margin-top: 6pt">material fact or omit to state a material fact required to be stated therein or necessary in
order to make the statements therein not misleading, <I>provided</I>, that the Company makes no
representation or warranty in this paragraph with respect to statements in or omissions from the
Registration Statement in reliance upon, and in conformity with, written information furnished to
the Company by the Placement Agent specifically for inclusion therein, which information the
parties hereto agree is limited to the Placement Agent&#146;s Information (as defined in Section&nbsp;7
hereof).
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) <U>Contents of Prospectus</U>. The Prospectus will comply, as of the date that
it is filed with the Commission, the date of its delivery to Investors and at all times during the
Prospectus Delivery Period, in all material respects, with the requirements of the Securities Act;
at no time during the period that begins on the date the Prospectus is filed with the Commission
and ends at the end of the Prospectus Delivery Period will the Prospectus, as then amended or
supplemented, include an untrue statement of a material fact or omit to state a material fact
necessary in order to make the statements therein, in the light of the circumstances under which
they were made, not misleading, <I>provided</I>, that the Company makes no representation or warranty with
respect to statements in or omissions from the Prospectus in reliance upon, and in conformity with,
written information furnished to the Company by the Placement Agent specifically for inclusion
therein, which information the parties hereto agree is limited to the Placement Agent&#146;s
Information.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(e) <U>Incorporated Documents</U>. Each of the documents incorporated or deemed to
be incorporated by reference in the Registration Statement, at the time such document was filed
with the Commission or at the time such document became effective, as applicable, complied, in all
material respects, with the requirements of the Exchange Act, were filed on a timely basis with the
Commission and did not include an untrue statement of a material fact or omit to state a material
fact necessary in order to make the statements therein, in the light of the circumstances under
which they were made, not misleading.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(f) <U>Disclosure Package</U>. The Disclosure Package did not, and at the Closing
Date will not, contain any untrue statement of a material fact or omit to state any material fact
required to be stated therein or necessary in order to make the statements therein, in the light of
the circumstances under which they were made, not misleading; <I>provided</I>, that the Company makes no
representations or warranty in this paragraph with respect to statements in or omissions from the
Disclosure Package in reliance upon, and in conformity with, written information furnished to the
Company by the Placement Agent specifically for inclusion therein, which information the parties
hereto agree is limited to the Placement Agent&#146;s Information.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(g) <U>Distributed Materials; Conflict with Registration Statement</U>. Other than
the Base Prospectus, any Preliminary Prospectus and the Prospectus, the Company has not made, used,
prepared, authorized, approved or referred to and will not make, use, prepare, authorize, approve
or refer to any &#147;written communication&#148; (as defined in Rule&nbsp;405 under the Securities Act) that
constitutes an offer to sell or a solicitation of an offer to buy the Shares other than any
document not constituting a prospectus pursuant to Section&nbsp;2(a)(10)(a) of the Securities Act or
Rule&nbsp;134 under the Securities Act.
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<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(h) <U>Not an Ineligible Issuer</U>. At the date hereof, the Company was not and
is not an &#147;ineligible issuer,&#148; as defined in Rule&nbsp;405 (&#147;<U>Rule&nbsp;405</U>&#148;) under the Securities
Act.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i) <U>Due Incorporation</U>. Each of the Company and its Subsidiaries (as defined
below) is an entity duly incorporated, validly existing and in good standing under the laws of the
jurisdiction of its incorporation, with the requisite corporate power and authority to own or lease
and use its properties and assets and to carry on its business as currently conducted. Neither the
Company nor any Subsidiary is in material violation of any of the provisions of its respective
certificate or articles of incorporation or bylaws or other similar organizational documents. Each
of the Company and its Subsidiaries is duly qualified to conduct business and is in good standing
as a foreign corporation in each jurisdiction in which the nature of the business conducted or
property owned by it makes such qualification necessary, except where the failure to be so
qualified or in good standing, as the case may be, would not reasonably be expected to have a
Material Adverse Effect. For purposes of this Agreement, &#147;<U>Material Adverse Effect</U>&#148; means
any event, fact, circumstance or occurrence (each, an &#147;<U>Effect</U>&#148;) that, individually or in
the aggregate with any other event, fact, circumstance or occurrence, results or would reasonably
be expected to result in a material adverse change in or a material adverse effect over a
commercially reasonable period on the (i)&nbsp;financial condition, results of operations, business,
operations, business assets or regulatory status of the Company and its Subsidiaries, taken as a
whole; (ii)&nbsp;legality, validity or enforceability of this Agreement, or (iii)&nbsp;ability on the part of
the Company or the Placement Agent to consummate the transactions contemplated by this Agreement
and to perform in any material respect its obligations under this Agreement within the time frames
provided for in this Agreement, except that any of the following, either alone or in combination,
shall not be deemed a Material Adverse Effect: (A)&nbsp;effects resulting from or relating to the
announcement or disclosure of the sale of the Shares or other transactions contemplated by this
Agreement, (B)&nbsp;effects caused by any event, occurrence or condition resulting from or relating to
the taking of any action in accordance with this Agreement, (C)&nbsp;changes in the generally accepted
accounting principles or regulatory accounting principles generally applicable to banks or their
bank holding companies in the United States or Korea, as the case may be, (D)&nbsp;changes in applicable
laws, rules and regulations or interpretations thereof by any Governmental Entity (as defined
below), except for such changes which would reasonably be expected to have the effect of making
illegal the consummation of the transactions contemplated hereby, (E)&nbsp;general changes in global or
national economic, monetary or financial conditions, including changes in prevailing interest
rates, credit markets, equity markets, commodity prices, currency exchange rates, bank failure
rates, sovereign debt defaults, capital market conditions or real estate price
appreciation/depreciation trends, or in the industries in which the Company and its subsidiaries
operate, other than significant, sustained, reasonably unanticipated and materially adverse changes
in economic conditions in the United States or Korea, which changes would reasonably be expected to
have the effect of making commercially impractical consummation of the transactions contemplated
hereby, (F)&nbsp;changes in global or national political conditions, including the outbreak or
escalation of war, acts of terrorism or civil unrest, other than significant, sustained, reasonably
unanticipated and materially adverse changes in such conditions in the United States or Korea,
which changes would reasonably be expected to have the effect of making commercially impractical
consummation of the transactions contemplated hereby, (G)&nbsp;the entering into by the Company or any
of its Subsidiaries or the continuation (on substantially the same or similar terms) of any
Regulatory Agreement (as defined below) and any future classifications, guidance, directives or
other supervisory actions
</DIV>




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<DIV align="left" style="font-size: 10pt; margin-top: 6pt">(which are reasonably foreseeable based on the current arrangements or agreements) that are related to the Company&#146;s
or any of its Subsidiaries&#146; financial condition as of the date of this Agreement, in and of itself,
(H)&nbsp;any failure by the Company to meet any public estimates (disclosed to the public in compliance
with applicable laws and consistent with past practice) or expectations or analysts estimates or
expectations of the Company&#146;s financial condition, results of operations or other measures of
financial performance for any period, or any failure by the Company to meet any internal budgets,
plans or forecasts of its financial condition, results of operations, or other measures of
financial performance, (I)&nbsp;the results of operations and cash flow for the period ended, and
changes in the financial condition and shareholders equity of the Company at June&nbsp;30, 2010, (J)&nbsp;any
legal proceedings (other than a permanent injunction or order that prohibits the consummation of
the transactions contemplated hereby) made or brought by any of the current or former stockholders
of the Company (on their own behalf or on behalf of the Company) against the Company arising out of
this Agreement or any of the transaction contemplated hereby or (K)&nbsp;failure to consummate the
transactions contemplated by the Woori SPA. For purposes of this Agreement, &#147;<U>Subsidiary</U>&#148;
means those entities identified on <U>Schedule&nbsp;2(j)</U>. For purposes of this Agreement,
&#147;<U>Governmental Entity</U>&#148; means any governmental or regulatory authorities, agencies, courts,
commissions or other entities, whether federal, state, local or foreign, or applicable
self-regulatory organizations
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(j) <U>Subsidiaries</U>. The Company has no direct or indirect Subsidiaries other
than those subsidiaries listed on <U>Schedule&nbsp;2(j)</U> and has indicated therein which
Subsidiaries would constitute a &#147;significant subsidiary&#148; of such person within the meaning of Rule
1-02 of Regulation&nbsp;S-X of the Commission (&#147;<U>Company Significant Subsidiary</U>&#148;). The Company
owns, directly or indirectly, all of the capital stock of each Company Significant Subsidiary, free
and clear of any and all Liens (other than Permitted Liens), and all the issued and outstanding
shares of capital stock of each Company Significant Subsidiary have been duly authorized and
validly issued and are fully paid and non-assessable. There are no outstanding subscriptions,
options, warrants, calls, commitments or agreements of any character whatsoever providing for the
purchase or issuance of any Company Significant Subsidiary&#146;s capital stock or any securities
representing the right to purchase or otherwise receive any shares of such Company Significant
Subsidiary&#146;s capital stock. Except in respect of the Subsidiaries, the Company does not own
beneficially, directly or indirectly, more than 5% of any class of equity securities or similar
interests of any corporation, bank, business trust, association or similar organization, and is
not, directly or indirectly, a partner in any partnership or party to any joint venture. Hanmi
Bank, the Company&#146;s principal subsidiary (&#147;<U>Hanmi Bank</U>&#148;), is (A)&nbsp;duly organized and validly
existing as a banking institution chartered by the State of California, (B)&nbsp;in good standing with
the Department of Financial Institutions of the State of California (&#147;<U>CDFI</U>&#148;), (C)&nbsp;a member
bank of the Federal Reserve System and (D)&nbsp;its deposit accounts are insured by the Federal Deposit
Insurance Corporation (&#147;<U>FDIC</U>&#148;) to the fullest extent permitted by the Federal Deposit
Insurance Act and the rules and regulations of the FDIC thereunder, and all premiums and
assessments required to be paid in connection therewith have been paid when due. For purposes of
this Agreement, &#147;<U>Lien</U>&#148; means any mortgage, pledge, lien (statutory or otherwise),
encumbrance, hypothecation, charge, security interest, right of first refusal, right of first
offer, preemptive right or other restrictions of any kind. For purposes of this Agreement,
&#147;<U>Permitted Liens</U>&#148; means (i)&nbsp;Liens for Taxes (as defined below) and other governmental
charges and assessments arising in the ordinary course that are not yet due and payable, (ii)&nbsp;Liens
of landlords, carriers, warehousemen, mechanics and materialmen and other like Liens arising in the
ordinary course of
</DIV>




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<DIV align="left" style="font-size: 10pt; margin-top: 6pt">business for sums not yet due and payable, and (iii)&nbsp;other Liens or imperfections on property
that are, individually or in the aggregate, (A)&nbsp;not material in amount or (B)&nbsp;do not materially
detract from the value of or materially impair the existing use of the property affected by such
Lien or imperfection. For the purposes of this Agreement, the term &#147;<U>Tax</U>&#148; means any and all
taxes, fees, levies, duties, tariffs, imposts and other charges of any kind (together with any and
all interest, penalties, additions to tax and additional amounts imposed with respect thereto)
imposed by any Governmental Entity, including taxes on or with respect to income, franchises,
windfall or other profits, gross receipts, property, sales, use, capital stock, payroll,
employment, unemployment, social security, workers&#146; compensation or net worth, and taxes in the
nature of excise, withholding, ad valorem stamp, transfer, gains or value added; license,
registration and documentation fees, and customs&#146; duties, tariffs, and similar charges.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(k) <U>Due Authorization and Enforceability</U>. The Company has the full
corporate power and authority to enter into this Agreement, and the Subscription Agreement, and to
perform and discharge its obligations hereunder and thereunder; and each of this Agreement and the
Subscription Agreement has been duly authorized, executed and delivered by the Company, and
constitutes a valid, legal and binding obligation of the Company, enforceable against the Company
in accordance with its terms, except as rights to indemnity hereunder may be limited by federal or
state securities laws and except as such enforceability may be limited by applicable bankruptcy,
insolvency, reorganization or similar laws affecting the rights of creditors generally and subject
to general principles of equity (whether applied in equity or in law).
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(l) <U>The Shares</U>. The issuance of the Shares has been duly and validly
authorized by the Company and, when issued, delivered and paid for in accordance with the terms of
this Agreement and the Subscription Agreement, will have been duly and validly issued and will be
fully paid and nonassessable, will not be subject to any statutory or contractual preemptive rights
or other rights to subscribe for or purchase or acquire any shares of Common Stock of the Company,
which have not been waived or complied with and will conform in all material respects to the
description thereof contained in the Disclosure Package and the Prospectus and such description
conforms in all material respects to the rights set forth in the instruments defining the same. On
the Closing Date, all stock transfer or other Taxes (other than income taxes) which are required to
be paid in connection with the sale and transfer of the Shares to be sold hereunder will be, or
will have been, fully paid or provided for, by the Company, and all laws imposing such taxes will
be or will have been fully complied with.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(m) <U>Capitalization</U>. The information set forth under the caption
&#147;Capitalization&#148; in the Statutory Prospectus (and any similar sections or information, if any,
contained in the Disclosure Package) is fairly presented on a basis consistent with the Company&#146;s
financial statements. The authorized capital stock of the Company conforms as to legal matters to
the description thereof contained in the Prospectus under the caption &#147;Description of Capital
Stock&#148; (and any similar sections or information, if any, contained in the Disclosure Package). The
issued and outstanding shares of capital stock of the Company have been duly authorized and validly
issued, are fully paid and nonassessable, and have been issued in compliance with all federal and
state securities laws. None of the outstanding shares of Common Stock was issued in violation of
any preemptive rights, rights of first refusal or other similar rights to subscribe for or purchase
or acquire any securities of the Company. Other than those described in the Prospectus and the
Disclosure Package or as set forth herein, there are no
</DIV>




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<DIV align="left" style="font-size: 10pt; margin-top: 6pt">(i)&nbsp;outstanding options, warrants, scrip, rights to subscribe to, calls or commitments of any
character whatsoever relating to, or securities or rights convertible into, or exercisable or
exchangeable for, any shares of capital stock of the Company, or contracts, commitments,
understandings or arrangements by which the Company is or may become bound to issue additional
shares of capital stock of the Company, other than those issued or granted pursuant to equity or
incentive plans or arrangements described in the Prospectus and the Disclosure Package; (ii)
material outstanding debt securities, notes or other instruments evidencing indebtedness of the
Company or by which the Company is bound carrying the right to vote on any matters on which the
stockholders of the Company may vote; (iii)&nbsp;agreements or arrangements under which the Company is
obligated to register the sale of any of their securities under the Securities Act; (iv)
outstanding securities or instruments of the Company that contain any redemption or similar
provisions, and there are no contracts, commitments, understandings or arrangements by which the
Company is or may become bound to redeem a security of the Company; (v)&nbsp;securities or instruments
containing anti-dilution or similar provisions that will be triggered by the issuance of the
Shares; and (vi)&nbsp;stock appreciation rights or &#147;phantom stock&#148; plans or agreements or any similar
plan or agreement of the Company.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(n) <U>No Conflict</U>. The execution, delivery and performance by the Company of
this Agreement, and Subscription Agreement and the consummation of the transactions contemplated
hereby and thereby, including the issuance and sale by the Company of the Shares, do not and will
not (i)&nbsp;subject to the approval of the Stockholders Proposals, conflict with or violate any
provisions of the Company&#146;s or any Company Significant Subsidiary&#146;s certificate or articles of
incorporation or bylaws or otherwise result in a violation of the organizational documents of the
Company; (ii)&nbsp;conflict with, or constitute a default (or an event that with notice or lapse of time
or both would result in a default) under, result in the creation of any Lien (other than Permitted
Liens) upon any of the properties or assets of the Company or its Subsidiaries or give to others
any rights of termination, amendment, acceleration or cancellation (with or without notice, lapse
of time or both) of, any note, bond, mortgage indenture deed of trust, license, lease, agreement or
other instrument or obligation to which the Company or any of its Company Significant Subsidiaries
is subject; or (iii)&nbsp;conflict with or result in a violation of any law, rule, regulation, order,
judgment, injunction, decree or other restriction applicable to the Company or any of its
Subsidiaries or by which any property or asset of the Company or any of its Subsidiaries is bound
or affected, except in the case of clauses (ii)&nbsp;and (iii)&nbsp;such as would not reasonably be expected
to have, individually or in the aggregate, a Material Adverse Effect. There are no stockholders
agreements, voting agreements or other similar arrangements with respect to the Company&#146;s capital
stock to which the Company is a party or, to the Company&#146;s Knowledge, between or among any of the
Company&#146;s stockholders. For purposes of this Agreement, &#147;<U>Company&#146;s Knowledge</U>&#148; means the
actual knowledge of the executive officers (as defined in Exchange Act Rule&nbsp;3b-7) of the Company or
its Company Significant Subsidiaries, after reasonable due inquiry, which, for the avoidance of
doubt, shall include executive officers of the Company and Hanmi Bank. For purposes of this
Agreement, &#147;<U>Stockholder Proposals</U>&#148; mean proposals submitted for approval of the Company&#146;s
stockholders relating to (i)&nbsp;the amendment to the Company&#146;s certificate of incorporation to
increase the authorized number of common stock to 500&nbsp;million shares and (ii)&nbsp;the transactions
contemplated in the Woori SPA.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(o) <U>No Consents Required</U>. No approval, authorization, consent or order of
or filing, qualification or registration with, any Governmental Entity, which has not been made,
</DIV>




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<DIV align="left" style="font-size: 10pt; margin-top: 6pt">obtained or taken and is not in full force and effect, is required in connection with the
execution, delivery and performance of this Agreement, and the Subscription Agreement by the
Company, the issuance and sale of the Shares or the consummation by the Company of the transactions
contemplated hereby or thereby other than (i)&nbsp;as may be required under the Securities Act, (ii)&nbsp;any
necessary qualification of the Shares under the securities or blue sky laws of the various
jurisdictions in which the Shares are being offered by the Placement Agent, (iii)&nbsp;under the rules
and regulations of the Financial Industry Regulatory Authority (&#147;<U>FINRA</U>&#148;) or (iv)&nbsp;the NASDAQ
Global Market.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(p) <U>Registration Rights</U>. There are no contracts, agreements or
understandings between the Company and any person granting such person the right (other than rights
which have been waived in writing in connection with the transactions contemplated by this
Agreement or otherwise satisfied) to require the Company to register any securities with the
Commission.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(q) <U>Independent Accountants</U>. KPMG, LLP, whose reports on the consolidated
financial statements of the Company are incorporated by reference in the Registration Statement,
the Prospectus and the Disclosure Package, is (i)&nbsp;an independent public accounting firm within the
meaning of the Securities Act, (ii)&nbsp;a registered public accounting firm (as defined in Section
2(a)(12) of the Sarbanes-Oxley Act of 2002 (the &#147;<U>Sarbanes-Oxley Act</U>&#148;)), and (iii)&nbsp;to the
Company&#146;s Knowledge, not in violation of the auditor independence requirements of the
Sarbanes-Oxley Act.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(r) <U>Financial Statements</U>. The financial statements of the Company, together
with the related schedules and notes thereto, set forth or incorporated by reference in the
Registration Statement, the Prospectus and the Disclosure Package, comply in all material respects
with the applicable requirements of the Securities Act and the Exchange Act, as applicable, and
present fairly in all material respects (i)&nbsp;the financial condition of the Company as of the dates
indicated and (ii)&nbsp;the consolidated results of operations, stockholders&#146; equity and changes in cash
flows of the Company for the periods therein specified; and such financial statements and related
schedules and notes thereto have been prepared from, and are in accordance with, the books and
records of the Company and its Subsidiaries, and are in conformity with United States generally
accepted accounting principles, consistently applied throughout the periods involved (except as
otherwise stated therein and subject, in the case of unaudited financial statements, to the absence
of footnotes and normal year-end adjustments). There are no other financial statements (historical
or pro forma) that are required to be included or incorporated by reference in the Registration
Statement, the Prospectus or the Disclosure Package; and the Company does not have any material
liabilities or obligations, direct or contingent (including any off-balance sheet obligations), not
disclosed in the Registration Statement, the Disclosure Package and the Prospectus; and all
disclosures contained in the Registration Statement, the Disclosure Package and the Prospectus
regarding &#147;non-GAAP financial measures&#148; (as such term is defined by the rules and regulations of
the Commission) comply with Regulation&nbsp;G of the Exchange Act and Item 10(e) of Regulation&nbsp;S-K under
the Securities Act, to the extent applicable, and present fairly the information shown therein and
the Company&#146;s basis for using such measures.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(s) <U>Disclosure Controls and Procedures</U>. The Company has established and
maintains disclosure controls and procedures (as defined in Exchange Act Rules&nbsp;13a-15(e) and
</DIV>




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<DIV align="left" style="font-size: 10pt; margin-top: 6pt">15d-15(e)) that are effective in all material respects to ensure that material information
relating to the Company, including any consolidated Subsidiaries, is made known to its chief
executive officer and chief financial officer by others within those entities. The Company&#146;s
certifying officers have evaluated the effectiveness of the Company&#146;s controls and procedures as of
the end of the period covered by the most recently filed annual periodic report under the Exchange
Act (such date, the &#147;<U>Evaluation Date</U>&#148;). The Company presented in its most recently filed
annual periodic report under the Exchange Act the conclusions of the certifying officers about the
effectiveness of the disclosure controls and procedures based on their evaluations as of the
Evaluation Date. Since the Evaluation Date, there have been no material changes in the Company&#146;s
internal controls (as such term is defined in Item 307(b) of Regulation&nbsp;S-K under the Exchange Act)
or, to the Company&#146;s Knowledge, in other factors that could affect the Company&#146;s internal controls.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(t) <U>Accounting Controls</U>. Except as set forth on Schedule&nbsp;2(t), the Company
maintains a system of accounting controls sufficient to provide reasonable assurances that (i)
transactions are executed in accordance with management&#146;s general or specific authorization; (ii)
transactions are recorded as necessary to permit preparation of financial statements in conformity
with GAAP and to maintain accountability for assets; (iii)&nbsp;access to assets is permitted only in
accordance with management&#146;s general or specific authorization; and (iv)&nbsp;the recorded
accountability for assets is compared with existing assets at reasonable intervals and appropriate
action is taken with respect to any differences. None of the Company, its Subsidiaries or, to the
Company&#146;s Knowledge, any director, officer, employee, auditor, accountant or representative of the
Company or any Subsidiary has received or otherwise had or obtained knowledge of any material
complaint, allegation, assertion or claim, whether written or oral, regarding the accounting or
auditing practices, procedures, methodologies or methods of the Company or any Subsidiary or their
respective internal accounting controls, including any material complaint, allegation, assertion or
claim that the Company or any Subsidiary has engaged in questionable accounting or auditing
practices.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(u) <U>Absence of Material Changes</U>. Subsequent to the respective dates as of
which information is given in the Registration Statement, the Prospectus and the Disclosure
Package, and except as may be otherwise stated or incorporated by reference in the Registration
Statement, the Prospectus and the Disclosure Package, there has not been (i)&nbsp;any Material Adverse
Effect, (ii)&nbsp;any transaction which is material to the Company, (iii)&nbsp;any obligation, direct or
contingent (including any off-balance sheet obligations), incurred by the Company, which is
material to the Company, (iv)&nbsp;any dividend or distribution of any kind declared, paid or made on
the capital stock of the Company, (v)&nbsp;any change in the capital stock (other than a change in the
number of outstanding shares of Common Stock due to the issuance of shares upon the exercise of
outstanding options or warrants), or material change in the short-term debt or long-term debt of
the Company (other than upon conversion of convertible indebtedness) or any issuance of options,
warrants, convertible securities or other rights to purchase the capital stock (other than grants
of stock options under the Company&#146;s stock option plans existing on the date hereof) of the
Company.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(v) <U>Legal Proceedings</U>. There are no legal or governmental actions, suits,
claims or proceedings (each, an &#147;<U>Action</U>&#148;) pending or, to the Company&#146;s Knowledge,
threatened or contemplated to which the Company is or would be a party or of which any of their
respective
</DIV>




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



<DIV align="left" style="font-size: 10pt; margin-top: 6pt">properties is or would be subject at law or in equity, before or by any Governmental Entity or
before or by any self-regulatory organization or other non-governmental regulatory authority which
are required to be described in the Registration Statement, the Disclosure Package or the
Prospectus or a document incorporated by reference therein and are not so described therein, or
which, singularly or in the aggregate, if resolved adversely to the Company, would reasonably be
likely to result in a Material Adverse Effect or prevent or materially and adversely affect the
ability of the Company to consummate the transactions contemplated hereby. Neither the Company nor
any Company Significant Subsidiary, nor any director or officer thereof, is or has been the subject
of any Action involving a claim of violation of or liability under federal or state securities laws
or a claim of breach of fiduciary duty.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(w) <U>Regulatory Agreement</U>. Except as set forth on <U>Schedule&nbsp;2</U>(w)
(each, a &#147;<U>Regulatory Agreement</U>&#148;), the Company or the Company Significant Subsidiary (i)&nbsp;has
not received, consented to, or entered into any notice, communication, memorandum, agreement or
order of any applicable Governmental Entity directing, restricting or limiting, or purporting to
direct, restrict or limit, in any manner the operations of the Company and (ii)&nbsp;is not aware of any
basis for any unresolved violation of any applicable Governmental Entity with respect to any
Regulatory Agreement which if resolved in a manner adverse to the Company could reasonably be
expected to have a Material Adverse Effect.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(x) <U>CRA Compliance</U>. Each of the Company and each Company Significant
Subsidiary, as applicable, is in compliance, in all material respects, with the applicable
provisions of the CRA (as defined below), and, as of the date of this Agreement, the Company has
received a CRA rating of &#147;satisfactory&#148; or better from the applicable Governmental Entity. To the
Company&#146;s Knowledge, there is no fact or circumstance or set of facts or circumstances that would
cause the Company to fail to comply with such provisions in a manner that could reasonably be
expected to have a Material Adverse Effect. For purposes of this Agreement, &#147;<U>CRA</U>&#148; means
the Community Reinvestment Act of 1977 or any successor law, and regulations and rules issued
pursuant to that Act or any successor law.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(y) <U>Loan Loss Reserves</U>. Each of the reserve and allowances for possible loan
losses and the carrying value for real estate owned which are shown on the financial statements of
the Company included in the SEC Reports (as defined below) has been established in conformity with
all applicable requirements, rules and policies of applicable Governmental Entities and complies
with GAAP applied on a consistent basis to provide for possible losses on loans outstanding and
real estate owned as of the date of such financial statements.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(z) <U>Regulatory Permits</U>. Each of the Company and the Company Significant
Subsidiaries possesses or has applied for all certificates, authorizations, licenses, franchises,
permits, orders and approvals issued or granted by the appropriate Governmental Entities necessary
to conduct its business as currently conducted, except where the failure to possess such
certificates, authorizations, licenses, franchises, permits, orders and approval, individually or
in the aggregate, has not and would not reasonably be expected to have, a Material Adverse Effect
(&#147;<U>Material Permits</U>&#148;), and neither the Company nor any of the Company Significant
Subsidiaries has received any written notice of proceedings relating to the revocation or material
adverse modification of any such Material Permits and (ii)&nbsp;to the Company&#146;s Knowledge, there are no
</DIV>




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



<DIV align="left" style="font-size: 10pt; margin-top: 6pt">facts or circumstances that would give rise to the revocation or material adverse
modifications of any Material Permits.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(aa)&nbsp;<U>Material Contracts</U>. Except for the Material Contracts, the Company and
its Subsidiaries are not party to any agreements, contracts or commitments that are material to the
business, financial condition, assets or operations of the Company and its Subsidiaries that would
be required to be filed pursuant to Item&nbsp;601(b)(10) of Regulation&nbsp;S-K under the Exchange Act.
Neither the Company nor any of its Subsidiaries is in material default under or in material
violation of, nor to the Company&#146;s Knowledge, has received written notice of termination or default
under any Material Contract. For purposes of this Agreement, &#147;<U>Material Contract</U>&#148; means any
contract of the Company that was filed as an exhibit to the SEC Reports pursuant to Item&nbsp;601(b)(10)
of Regulation&nbsp;S-K.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(bb)&nbsp;<U>No Violation</U>. The Company is not in breach or violation of or in
default (nor has any event occurred which with notice, lapse of time or both would result in any
breach or violation of, or constitute a default) (i)&nbsp;under the provisions of its charter or bylaws
(or analogous governing instrument, as applicable) or (ii)&nbsp;in the performance or observance of any
term, covenant, obligation, agreement or condition contained in any indenture, mortgage, deed of
trust, bank loan or credit agreement or other evidence of indebtedness, or any license, lease,
contract or other agreement or instrument to which the Company is a party or by which any of them
or any of their properties may be bound or affected, or (iii)&nbsp;in the performance or observance of
any statute, law, rule, regulation, ordinance, judgment, order or decree of any court, regulatory
body, administrative agency, governmental body, arbitrator or other authority having jurisdiction
over the Company or any of its properties, as applicable, except, with respect to clauses (ii)&nbsp;and
(iii)&nbsp;above, to the extent any such contravention has been waived or would not reasonably be
expected to result in a Material Adverse Effect.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(cc)&nbsp;<U>Investment Company</U>. Neither the Company nor any of the Company
Significant Subsidiaries is an &#147;investment company&#148; within the meaning of the Investment Company
Act of 1940, as amended (the &#147;<U>Investment Company Act</U>&#148;).
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(dd)&nbsp;<U>No Price Stabilization</U>. Neither the Company nor, to the Company&#146;s
Knowledge, any of its officers, directors, affiliates or controlling persons has taken or will
take, directly or indirectly, any action designed to or that might be reasonably expected to cause
or result in, or which has constituted or which might reasonably be expected to constitute the
stabilization or manipulation of the price of any security of the Company to facilitate the sale or
resale of the Shares.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ee)&nbsp;<U>Good Title to Property</U>. The Company has good and marketable title to
all property (whether real or personal) material to the business of the Company and described in
the Registration Statement, the Disclosure Package and the Prospectus as being owned by it, in each
case free and clear of all Liens (other than Permitted Liens), except such as are described in the
Registration Statement, the Disclosure Package and the Prospectus and those that would not,
individually or in the aggregate materially affect the value of such property and do not materially
interfere with the use made and proposed to be made of such property by the Company. All of the
property described in the Registration Statement, Disclosure Package and the Prospectus as being
held under lease by the Company is held thereby under valid, subsisting and enforceable
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">
<DIV align="left" style="font-size: 10pt; margin-top: 6pt">leases, without any liens, restrictions, encumbrances or claims, except those that,
individually or in the aggregate, are not material and do not materially interfere with the use
made and proposed to be made of such property by the Company.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ff)&nbsp;<U>Intellectual Property Rights</U>. Except as would not reasonably be
expected to have a Material Adverse Effect, each of the Company and Company Significant
Subsidiaries owns or possesses the right to use all patents, trademarks, trademark registrations,
service marks, service mark registrations, trade names, copyrights, licenses, inventions, software,
databases, know-how, Internet domain names, trade secrets and other unpatented and/or unpatentable
proprietary or confidential information, systems or procedures, and other intellectual property
(collectively, &#147;<U>Intellectual Property</U>&#148;) necessary to carry on their respective businesses
as currently conducted, and as proposed to be conducted and described in the Disclosure Package and
the Prospectus, and the Company is not aware of any claim to the contrary or any challenge by any
other person to the rights of the Company or any Company Significant Subsidiary with respect to the
foregoing except for those that could not reasonably be expected to have a Material Adverse Effect.
The Intellectual Property licenses described in the Disclosure Package and the Prospectus are, to
the Company&#146;s Knowledge, valid, binding upon, and enforceable by or against the parties thereto in
accordance to their terms. The Company has complied in all material respects with, and is not in
breach nor has received any asserted or threatened claim of breach of, any Intellectual Property
license, and the Company has no Knowledge of any breach or anticipated breach by any other person
to any Intellectual Property license. To the Company&#146;s Knowledge, the Company&#146;s Intellectual
Property does not infringe or conflict with any patents, trademarks, service marks, trade names,
copyrights, trade secrets, licenses or other Intellectual Property or franchise right of any
person. To the Company&#146;s Knowledge, the Company has not received notice of any material claim
against the Company alleging the infringement by the Company of any patent, trademark, service
mark, trade name, copyright, trade secret, license in or other intellectual property right or
franchise right of any person. To the Company&#146;s Knowledge, the Company has taken all reasonable
steps to protect, maintain and safeguard its rights in all Intellectual Property, including the
execution of appropriate nondisclosure and confidentiality agreements. The consummation of the
transactions contemplated by this Agreement will not result in the loss or impairment of or payment
of any additional amounts with respect to, nor require the consent of any other person in respect
of, the Company&#146;s right to own, use, or hold for use any of the Intellectual Property as owned,
used or held for use in the conduct of the businesses as currently conducted.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(gg)&nbsp;<U>No Labor Disputes</U>. No labor problem or dispute with the employees of
the Company exists, or, to the Company&#146;s knowledge, is threatened or imminent, which would
reasonably be expected to result in a Material Adverse Effect. The Company is not aware that any
key employee or significant group of employees of the Company plans to terminate employment with
the Company. To the Company&#146;s Knowledge, no executive officer (as defined in Rule 501(f) of the
Securities Act) of the Company or any of its Subsidiaries is in violation of any material term of
any employment contract, confidentiality, disclosure or proprietary information agreement or
non-competition agreement. The Company has not engaged in any unfair labor practice; except for
matters which would not, individually or in the aggregate, be reasonably expected to result in a
Material Adverse Effect, (i)&nbsp;there is (A)&nbsp;no unfair labor practice complaint pending or, to the
Company&#146;s Knowledge, threatened against the Company before the National Labor Relations Board, and
no grievance or arbitration proceeding arising
</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">out of or under collective bargaining agreements is pending or to the Company&#146;s knowledge,
threatened, (B)&nbsp;no strike, labor dispute, slowdown or stoppage pending or, to the Company&#146;s
knowledge, threatened against the Company and (C)&nbsp;no union representation dispute currently
existing concerning the employees of the Company and (ii)&nbsp;to the Company&#146;s knowledge, (A)&nbsp;no union
organizing activities are currently taking place concerning the employees of the Company and (B)
there has been no violation of any federal, state, local or foreign law relating to discrimination
in the hiring, promotion or pay of employees, any applicable wage or hour laws or any provision of
the Employee Retirement Income Security Act of 1974 (&#147;<U>ERISA</U>&#148;) or the rules and regulations
promulgated thereunder concerning the employees of the Company except as would not reasonably be
expected to have a Material Adverse Effect.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(hh)&nbsp;<U>Taxes</U>. Except as would not, individually or in the aggregate,
reasonably be expected to have a Material Adverse Effect, the Company (i)&nbsp;has timely filed all
necessary federal, state, local and foreign income and franchise tax returns (or timely filed
applicable extensions therefore) that have been required to be filed and (ii)&nbsp;is not in default in
the payment of any taxes which were payable pursuant to said returns or any assessments with
respect thereto, other than any which the Company is contesting in good faith and for which
adequate reserves have been provided and reflected in the Company&#146;s financial statements included
in the Registration Statement, the Disclosure Package and the Prospectus. The Company does not have
any tax deficiency that has been or, to the Company&#146;s Knowledge, is reasonably likely to be
asserted or threatened against it that would reasonably be expected to result in a Material Adverse
Effect.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii)&nbsp;<U>ERISA</U>. The Company is in compliance in all material respects with all
presently applicable provisions of ERISA; no &#147;reportable event&#148; (as defined in ERISA) has occurred
with respect to any &#147;pension plan&#148; (as defined in ERISA) for which the Company would have any
liability; the Company has not incurred and does not expect to incur liability under (i)&nbsp;Title IV
of ERISA with respect to termination of, or withdrawal from, any &#147;pension plan&#148; or (ii)&nbsp;Sections
412 or 4971 of the Internal Revenue Code of 1986, as amended, including the regulations and
published interpretations thereunder (the &#147;<U>Code</U>&#148;); and each &#147;pension plan&#148; for which the
Company would have any liability that is intended to be qualified under Section 401(a) of the Code
is so qualified in all material respects and nothing has occurred, whether by action or by failure
to act, which would reasonably be expected to adversely affect the qualified status of any such
pension plan.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(jj)&nbsp;<U>Compliance with Environmental Laws</U>. The Company (i)&nbsp;is in compliance
with any and all applicable foreign, federal, state and local laws, orders, rules, regulations,
directives, decrees and judgments relating to the use, treatment, storage and disposal of hazardous
or toxic substances or waste and protection of human health and safety or the environment which are
applicable to their businesses (&#147;<U>Environmental Laws</U>&#148;), (ii)&nbsp;has received and is in
compliance with all permits, licenses or other approvals required of them under applicable
Environmental Laws to conduct its business; and (iii)&nbsp;is in compliance with all terms and
conditions of any such permit, license or approval, except where such noncompliance with
Environmental Laws, failure to receive required permits, licenses or other approvals or failure to
comply with the terms and conditions of such permits, licenses or approvals would not, individually
or in the aggregate, reasonably be expected to result in a Material Adverse Effect. There are no
costs or liabilities associated with Environmental Laws (including, without
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">
<DIV align="left" style="font-size: 10pt; margin-top: 6pt">limitation, any capital or operating expenditures required for clean-up, closure of properties
or compliance with Environmental Laws or any permit, license or approval, any related constraints
on operating activities and any potential liabilities to third parties) which would, individually
or in the aggregate, reasonably be expected to result in a Material Adverse Effect.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(kk)&nbsp;<U>Insurance</U>. The Company and each of the Company Significant
Subsidiaries are insured by insurers of recognized financial responsibility against such losses and
risks and in such amounts as the Company believes to be commercially reasonable in the businesses
and locations in which the Company and the Company Significant Subsidiaries are engaged. To the
Company&#146;s Knowledge, the Company and its Company Significant Subsidiary will be able to renew their
respective existing insurance coverage as and when such coverage expires or to obtain similar
coverage from similar insurers as may be necessary to continue its business.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ll)&nbsp;<U>Contracts; Off-Balance Sheet Interests</U>. There is no document,
contract, permit or instrument, or off-balance sheet transaction of a character required by the
Securities Act or the Rules and Regulations to be described in the Registration Statement or the
Disclosure Package or to be filed as an exhibit to the Registration Statement or document
incorporated by reference therein, which is not described or filed as required. The contracts
described in the immediately preceding sentence to which the Company is a party have been duly
authorized, executed and delivered by the Company, constitute valid and binding agreements of the
Company, are enforceable against and by the Company in accordance with the terms thereof and are in
full force and effect on the date hereof except as would not reasonably be expected to have a
Material Adverse Effect.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(mm)&nbsp;<U>No Undisclosed Relationships</U>. No relationship, direct or indirect,
exists between or among the Company on the one hand and the directors, officers, stockholders,
customers or suppliers of the Company or any of their affiliates on the other hand, which is
required to be described in the Registration Statement, the Disclosure Package and the Prospectus
or a document incorporated by reference therein and which has not been so described.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(nn)&nbsp;<U>Brokers Fees</U>. Except as disclosed in the Disclosure Package, there are
no contracts, agreements or understandings between the Company and any person (other than this
Agreement) that would give rise to a valid claim against the Company or the Placement Agent for a
brokerage commission, finder&#146;s fee or other like payment in connection with the offering and sale
of the Shares.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(oo)&nbsp;<U>Forward-Looking Statements</U>. No forward-looking statements (within the
meaning of Section&nbsp;27A of the Securities Act and Section&nbsp;21E of the Exchange Act) contained in
either the Disclosure Package or the Prospectus has been made or reaffirmed without a reasonable
basis or has been disclosed other than in good faith.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(pp)&nbsp;<U>Listing and Maintenance Requirements</U>. The Company&#146;s Common Stock is
registered pursuant to Section 12(b) or 12(g) of the Exchange Act, and the Company has taken no
action designed to terminate the registration of the Common Stock under the Exchange Act nor has
the Company received any written notification that the SEC is contemplating terminating such
registration. The Company has not, in the 12&nbsp;months preceding the date hereof, received
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">
<DIV align="left" style="font-size: 10pt; margin-top: 6pt">written notice from the NASDAQ Global Market to the effect that the Company is not in
compliance with the listing or maintenance requirements of the NASDAQ Global Market. The Company&#146;s
Common Stock is listed on the NASDAQ Global Market, and to the Company&#146;s Knowledge, the Company and
its Common Stock meet the criteria for continued listing and trading on the NASDAQ Global Market.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(qq)&nbsp;<U>Sarbanes-Oxley Act</U>. The Company, and to its Knowledge, all of the
Company&#146;s directors or officers, in their capacities as such, is in compliance in all material
respects with all applicable effective provisions of the Sarbanes-Oxley Act and any related rules
and regulations promulgated by the Commission. Each of the principal executive officer and the
principal financial officer of the Company (or each former principal executive officer of the
Company and each former principal financial officer of the Company as applicable) has made all
certifications required by Sections&nbsp;302 and 906 of the Sarbanes-Oxley Act with respect to all
reports, schedules, forms, statements and other documents required to be filed by it with the
Commission. For purposes of the preceding sentence, &#147;principal executive officer&#148; and &#147;principal
financial officer&#148; shall have the meanings given to such terms in the Sarbanes-Oxley Act.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(rr)&nbsp;<U>Statistical or Market-Related Data</U>. Any statistical, industry-related
and market-related data included or incorporated by reference in the Registration Statement, the
Prospectus or the Disclosure Package, are based on or derived from sources that the Company
reasonably and in good faith believes to be reliable and accurate, and such data agree with the
sources from which they are derived.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ss)&nbsp;<U>Money Laundering Laws</U>. To the Company&#146;s Knowledge, the operations of
the Company are and have been conducted at all times in compliance in all material respects with
applicable financial recordkeeping and reporting requirements of the Currency and Foreign
Transactions Reporting Act of 1970, as amended, the money laundering statutes of all jurisdictions,
the rules and regulations thereunder and any related or similar rules, regulations or guidelines,
issued, administered or enforced by any governmental agency (collectively, the &#147;<U>Money
Laundering Laws</U>&#148;) and no action, suit or proceeding by or before any court or governmental
agency, authority or body or any arbitrator involving the Company with respect to the Money
Laundering Laws is pending, or to the Company&#146;s Knowledge, threatened against the Company.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(tt)&nbsp;<U>OFAC</U>. Neither the Company nor, to the Company&#146;s Knowledge, any
director, officer, agent, employee or affiliate of the Company or any of its Subsidiaries is
currently subject to any U.S. sanctions administered by the Office of Foreign Assets Control of the
U.S. Treasury Department (&#147;<U>OFAC</U>&#148;); and the Company will not directly or indirectly use the
proceeds of the offering, or lend, contribute or otherwise make available such proceeds to any
affiliate, joint venture partner or other person or entity, which, to the Company&#146;s Knowledge, will
use such proceeds for the purpose of financing the activities of any person currently subject to
any U.S. sanctions administered by OFAC.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(uu)&nbsp;<U>Exchange Act Requirements</U>. The Company has filed in a timely manner
all reports required to be filed pursuant to Sections&nbsp;13(a), 13(e), 14 and 15(d) of the Exchange
Act during the preceding 12&nbsp;months (except to the extent that Section 15(d) requires reports to be
</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">filed pursuant to Sections 13(d) and 13(g) of the Exchange Act, which shall be governed by the
next clause of this sentence); and the Company has filed in a timely manner all reports required to
be filed pursuant to Sections 13(d) and 13(g) of the Exchange Act since December&nbsp;31, 2007 (the &#147;SEC
Reports&#148;), except where the failure to timely file could not reasonably be expected individually or
in the aggregate to have a Material Adverse Effect.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;On or prior to the date of this Agreement, the Company shall deliver to the Placement Agent a
schedule (&#147;<U>Disclosure Schedule</U>&#148;) setting forth, among other things, items the disclosure of
which is necessary or appropriate either in response to an express disclosure requirement contained
in a provision hereof or as an exception to one or more representations or warranties contained in
this Section; <U>provided, however</U>, that notwithstanding anything in this Agreement to the
contrary, the mere inclusion of an item in such schedule shall not be deemed to be an admission
that such item represents a material exception or material fact, event, or circumstance or that
such item has had or would reasonably be expected to have a Material Adverse Effect on the Company.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Previously Disclosed</U>. &#147;<U>Previously Disclosed</U>&#148; means (i)&nbsp;information set forth
in the Disclosure Schedule corresponding to the provision of this Agreement to which such
information relates; provided that information which, on its face is reasonably apparent to a
reader that it relates to another provision of this Agreement and (ii)&nbsp;information publicly
disclosed by the Company in the SEC Reports filed by it with or furnished to the Commission and
publicly available on or prior to the Closing Date (excluding any risk factor disclosures contained
in such documents under the heading &#147;Risk Factors&#148; and any disclosure of risks included in any
&#147;forward-looking statements&#148; disclaimer or other statements that are predictive or forward-looking
in nature).
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Any certificate signed by any officer of the Company and delivered to each Placement Agent or
to counsel for the Placement Agents in connection with the offering of the Shares shall be deemed a
representation and warranty by the Company to each Placement Agent and the Investors as to the
matters covered thereby.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.2 <U>Representations and Warranties of the Placement</U>. The Placement Agent represents
and warrants to the Company, as of the date hereof and as of the Closing Date, as follows:
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a)&nbsp;The Placement Agent is registered as a broker-dealer under applicable federal
and state law, is a member in good standing of FINRA and has met and will continue to meet all
registration, licensing, financial and reporting requirements it is required to meet under
applicable foreign, federal and state laws and regulations in order to provide the services the
Placement Agent has agreed to provide, or that the Placement Agent contemplates that it will
provide, to the Company under this Agreement or otherwise in connection with the offering of
Shares.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b)&nbsp;This Agreement has been duly authorized, executed and delivered by the Placement
Agent and constitutes a valid, legal and binding obligation of the Placement Agent except as rights
to indemnity hereunder may be limited by federal or state securities laws and except as such
enforceability may be limited by applicable bankruptcy, insolvency,
</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">reorganization or similar laws affecting the rights of creditors generally and subject to
general principles of equity (whether applied in equity or in law).
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.&nbsp;<U>Covenants</U>.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a)&nbsp;The Company covenants and agrees with each Placement Agent as follows:
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i) <U>Reporting Obligations; Exchange Act Compliance</U>. The Company will
file: (i)&nbsp;each Preliminary Prospectus, if any, and the Prospectus with the Commission within
the time periods specified by Rule 424(b) and Rules&nbsp;430A, 430B or 430C under the Securities
Act, as applicable, in forms approved by the Placement Agent and (ii)&nbsp;all reports and any
definitive proxy or information statements required to be filed by the Company with the
Commission pursuant to Section&nbsp;13(a), 13(c), 14 or 15(d) of the Exchange Act subsequent to
the date of the Prospectus during the Prospectus Delivery Period.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii) <U>Continued Compliance with Securities Law</U>. If, at any time prior
to the filing of the Prospectus pursuant to Rule&nbsp;424(b), any event occurs as a result of
which the Disclosure Package as then amended or supplemented would include an untrue
statement of a material fact or omit to state any material fact necessary to make the
statements therein, in the light of the circumstances under which they were made, not
misleading, the Company will (i)&nbsp;promptly notify the Placement Agent so that any use of the
Disclosure Package may cease until it is amended or supplemented and (ii)&nbsp;amend or
supplement the Disclosure Package to correct such statements or omission. If, during the
Prospectus Delivery Period, any event occurs as a result of which the Prospectus as then
amended or supplemented would include an untrue statement of a material fact or omit to
state any material fact necessary to make the statements therein, in the light of the
circumstances under which they were made, not misleading, or if it is necessary at any time
to amend the Registration Statement or supplement the Prospectus to comply with the
Securities Act, the Company will (A)&nbsp;promptly notify the Placement Agent of such event and
(B)&nbsp;promptly prepare and file with the Commission and furnish, at its own expense, to the
Placement Agent and, to the extent applicable, the dealers and any other dealers upon
request of the Placement Agent, an amendment or supplement which will correct such statement
or omission or an amendment which will effect such compliance. If at any time any
securities or other governmental authority (including, without limitation, the Commission)
of any jurisdiction shall issue any order suspending the effectiveness of the Registration
Statement, the Company will make every reasonable effort to obtain the withdrawal of such
order at the earliest possible moment.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iii) <U>Issuer Free Writing Prospectuses</U>. The Company will (i)&nbsp;not
make any offer relating to the Shares that would constitute a &#147;free writing prospectus&#148; (as
defined in Rule&nbsp;405 under the Securities Act) required to be filed by the Company with the
Commission under Rule&nbsp;433 under the Securities Act unless the Placement Agent approves its
use in writing prior to first use (each, a &#147;<U>Permitted Free Writing Prospectus</U>&#148;);
provided that the prior written consent of the Placement Agent shall be deemed to have been
given in respect of any electronic road show, (ii)&nbsp;treat each
</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; margin-left: 2%">Permitted Free Writing Prospectus as an &#147;Issuer Free Writing Prospectus&#148;, (iii)&nbsp;comply
with the requirements of Rules&nbsp;164 and 433 under the Securities Act applicable to any Issuer
Free Writing Prospectus, including the requirements relating to timely filing with the
Commission, legending and record keeping and (iv)&nbsp;not take any action that would result in
the Placement Agent or the Company being required to file with the Commission pursuant to
Rule 433(d) under the Securities Act a free writing prospectus prepared by or on behalf of
the Placement Agent that the Placement Agent otherwise would not have been required to file
thereunder. The Company will satisfy the conditions in Rule&nbsp;433 under the Securities Act to
avoid a requirement to file with the Commission any electronic road show.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iv) <U>Conflicting Issuer Free Writing Prospectus</U>. If at any time
following issuance of an Issuer Free Writing Prospectus there occurred or occurs an event or
development as a result of which such Issuer Free Writing Prospectus conflicted or would
conflict with the information contained in the Registration Statement relating to the Shares
or included or would include an untrue statement of a material fact or omitted or would omit
to state a material fact necessary in order to make the statements therein, in the light of
the circumstances prevailing at that subsequent time, not misleading, the Company promptly
will notify the Placement Agent and will promptly amend or supplement, at its own expense,
such Issuer Free Writing Prospectus to eliminate or correct such conflict, untrue statement
or omission. The foregoing sentence does not apply to statements in or omissions from any
Issuer Free Writing Prospectus in reliance upon, and in conformity with, written information
furnished to the Company by the Placement Agent specifically for inclusion therein, which
information the parties hereto agree is limited to the Placement Agent&#146;s Information.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(v) <U>Blue Sky Laws</U>. The Company will promptly take or cause to be
taken, from time to time, such actions as the Placement Agent may reasonably request to
qualify the Shares for offering and sale under the state securities, or blue sky, laws of
such states or other jurisdictions as the Placement Agent may reasonably request and to
maintain such qualifications in effect so long as the Placement Agent may request for the
distribution of the Shares, provided, that in no event shall the Company be obligated to
qualify as a foreign corporation in any jurisdiction in which it is not so qualified or to
file a general consent to service of process in any jurisdiction or subject itself to
taxation as doing business in any jurisdiction. The Company will advise the Placement Agent
promptly of the suspension of the qualification or registration of (or any exemption
relating to) the Shares for offering, sale or trading in any jurisdiction or any initiation
or threat of any proceeding for any such purpose, and in the event of the issuance of any
order suspending such qualification, registration or exemption, the Company shall use its
best efforts to obtain the withdrawal thereof at the earliest possible moment.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(vi) <U>Use of Proceeds</U>. The Company will apply the net proceeds from
the sale of the Shares in the manner set forth in the Registration Statement, the Disclosure
Package and the Prospectus under the heading &#147;Use of Proceeds.&#148;
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(vii) <U>Stabilization</U>. The Company will not take directly or
indirectly any action designed, or that might reasonably be expected to cause or result in,
or that will
</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; margin-left: 2%">constitute, stabilization or manipulation of the price of any security of the Company
to facilitate the sale or resale of any of the Shares.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(viii) <U>Earnings Statement</U>. As soon as practicable, the Company will
make generally available to holders of its securities and deliver to the Placement Agent, an
earnings statement of the Company (which need not be audited) covering a period of at least
12&nbsp;months beginning after the date of the filing of the Prospectus with the Commission that
will satisfy the provisions of Section 11(a) of the Securities Act and the Rules and
Regulations.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ix) <U>Transfer Agent</U>. The Company shall engage and maintain, at its
expense, a transfer agent and, if necessary under the jurisdiction of incorporation of the
Company, a registrar for the Shares.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(x) <U>Listing</U>. The Company shall use its best efforts to cause the
Shares to be listed for quotation on the NASDAQ Global Market at the Closing Date and to
maintain such listing.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(xi) <U>Investment Company Act</U>. The Company shall not invest, or
otherwise use the proceeds received by the Company from its sale of the Shares in such a
manner as would require the Company to register as an investment company under the
Investment Company Act.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(xii) <U>Sarbanes-Oxley Act</U>. From the data hereof until the Closing
Date, the Company will use commercially reasonable best efforts to comply with the Sarbanes
Oxley Act.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(xiii) <U>Periodic Reports</U>. From the data hereof until the Closing
Date, the Company will use commercially reasonable best efforts to file with the Commission
such periodic and special reports as required by the Securities Act and Exchange Act
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(xiv) <U>Foreign Jurisdictions</U>. The Company acknowledges that offers
and sales of the Shares in the Offering in foreign jurisdictions, including Korea, if any,
will be made only upon written request by the Company. The Placement Agent shall have no
obligation to offer or sell the Shares in any foreign jurisdiction, including Korea, unless
and until all applicable laws and regulations are complied with, as well as relevant filings
are made, in such foreign jurisdictions, and the Company shall bear all expenses and fees
associated with compliance with all applicable laws and regulations, as well as the making
of the relevant filings, in such foreign jurisdictions.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b)&nbsp;<U>The Placement Agent covenants and agrees with the Company as follows</U>:
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i) The Placement Agent will not provide any service or engage in any
activity, and it will use its commercially reasonable efforts to not permit any of its
employees, agents, representatives or affiliates to provide any service or engage in any
activity, whether pursuant to this Agreement or otherwise in connection with the sale of the
Shares, for which it does not have in effect all registrations, licenses and approvals
</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; margin-left: 2%">necessary to cause that service or activity to comply with applicable foreign, federal
and state laws and regulations.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii) The Placement Agent agrees that any employees, agents or representatives
of any of the Placement Agent&#146;s affiliates that provide any services to the Company under
this Agreement or otherwise in connection with the sale of the Shares will be considered,
for purposes of the Placement Agent&#146;s agreements, representations, warranties and
obligations under this Agreement to also be employees, agents, or representatives of the
Placement Agent.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iii) Notwithstanding anything contained in this Agreement to the contrary,
the terms and conditions of the sale of the Shares as described in the Disclosure Package
and the Prospectus shall control the conduct of the sale of the Shares, and neither the
Placement Agent nor any of its respective employees, agents, representatives or affiliates
shall take any action in connection with the sale of the Shares contrary to those terms and
conditions.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iv) In connection with or during the course of the sale of the Shares,
neither the Placement Agent nor any employee, agent, representative or affiliate of the
Placement Agent will provide any information to any Investor or potential Investor other
than the information contained in the Disclosure Package and Prospectus.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4.&nbsp;<U>Conditions of Placement Agent&#146;s Obligations</U>. The obligations of the Placement
Agent hereunder and the Investors under the Subscription Agreement are subject to the following
conditions:
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a)&nbsp;<U>Filings with the Commission</U>. Each Issuer Free Writing Prospectus, if
any, and the Prospectus shall have been filed with the Commission within the applicable time period
prescribed for such filing by, and in compliance with, the Rules and Regulations and in accordance
with this Agreement.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b)&nbsp;<U>No Stop Orders</U>. Prior to the Closing: (i)&nbsp;no stop order suspending the
effectiveness of the Registration Statement or any part thereof, preventing or suspending the use
of the Prospectus or any Issuer Free Writing Prospectus or any part thereof shall have been issued
under the Securities Act and no proceedings for that purpose or pursuant to Section&nbsp;8A under the
Securities Act shall have been initiated or threatened by the Commission, (ii)&nbsp;no order suspending
the qualification or registration of the Shares under the securities or blue sky laws of any
jurisdiction shall be in effect and (iii)&nbsp;all requests for additional information on the part of
the Commission (to be included or incorporated by reference in the Registration Statement, the
Disclosure Package, the Prospectus or any Issuer Free Writing Prospectus or otherwise) shall have
been complied with to the reasonable satisfaction of the Placement Agent. On or prior to the
Closing Date, the Registration Statement or any amendment thereof or supplement thereto shall not
contain an untrue statement of material fact or omit to state a material fact required to be stated
therein or necessary to make the statements therein not misleading, and neither the Disclosure
Package, any Issuer Free Writing Prospectus or the Prospectus or any amendment thereof or
supplement thereto shall contain an untrue statement of a material fact or omit to state
</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">a material fact required to be stated therein or necessary to make the statements therein, in
light of the circumstances in which they were made, not misleading.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c)&nbsp;<U>Action Preventing Issuance</U>. No action shall have been taken and no law,
statute, rule, regulation or order shall have been enacted, adopted or issued by any governmental
agency or body which would prevent the issuance or sale of the Shares or materially and adversely
affect or potentially materially and adversely affect the business or operations of the Company or
any Company Significant Subsidiary; and no injunction, restraining order or order of any other
nature by any federal or state court of competent jurisdiction shall have been issued which would
prevent the issuance or sale of the Shares or materially and adversely affect or potentially
materially and adversely affect the business or operations of the Company.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d)&nbsp;<U>Material Adverse Change</U>. Subsequent to the date of the latest audited
financial statements included or incorporated by reference in the Disclosure Package, (i)&nbsp;the
Company has not sustained any material loss or interference with its business from fire, explosion,
flood or other calamity, whether or not covered by insurance, or from any labor dispute or Action,
otherwise than as set forth in the Disclosure Package, (ii)&nbsp;there has not been any change in the
capital stock (other than a change in the number of outstanding shares of Common Stock due to the
issuance of shares upon the exercise of outstanding options or warrants, shares issued pursuant to
the rights offering or shares issued to Woori pursuant to the Woori SPA, if any), or material
change in the short-term debt or long-term debt of the Company (other than upon conversion of
convertible indebtedness) or any material adverse change, in or affecting the business, assets,
general affairs, management, financial position, prospects, stockholders&#146; equity or results of
operations of the Company, otherwise than as set forth in the Disclosure Package, the effect of
which, in any such case described in clause (i)&nbsp;or (ii)&nbsp;would, singularly or in the aggregate,
reasonably be likely to result in a Material Adverse Effect or is, in the reasonable judgment of
the Placement Agent, so material and adverse as to make it impracticable or inadvisable to proceed
with the sale or delivery of the Shares on the terms and in the manner contemplated in the
Disclosure Package.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(e)&nbsp;<U>Representations and Warranties; Covenants</U>. The representations and
warranties of the Company set forth in this Agreement shall be true and correct (i)&nbsp;on and as of
the date hereof and (ii)&nbsp;on and as of the Closing Date with the same effect as though such
representations and warranties had been made on and as of the Closing Date (except for
representations and warranties that expressly speak only as of a specific date or time which need
only be true and correct as of such date or time) except in each of cases (i)&nbsp;and (ii)&nbsp;for such
failures of representations and warranties to be true and correct (without giving effect to any
materiality or Material Adverse Effect qualification or standard contained in any such warranties)
which would not reasonably be expected to have, individually or in the aggregate, a Material
Adverse Effect on the Company. All covenants and agreements set forth in this Agreement to be
performed on the part of the Company and all conditions set forth in this Agreement to be fulfilled
or complied with by the Company at or prior to the Closing Date shall have been duly performed,
fulfilled or complied with.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(f)&nbsp;<U>Opinions of Counsel to the Company</U>. The Placement Agent shall have
received from Manatt, Phelps &#038; Phillips, LLP, counsel to the Company, or in-house counsel to the
Company, such counsel&#146;s written opinion, addressed to the Placement Agent and the
</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">Investors and dated the Closing Date, in form and substance satisfactory to the Placement
Agent and its counsel. Counsel to the Company shall also have furnished to the Placement Agent a
written statement (&#147;<U>Negative Assurances</U>&#148;), addressed to each Placement Agent and dated the
Closing Date, in form and substance satisfactory to the Placement Agent and its counsel. Such
counsel may state that, insofar, as such opinion involves factual matters, they have relied, to the
extent they deem proper, upon certificates of officers of the Company or its subsidiaries and
certificates of public officials.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(g)&nbsp;<U>Accountant&#146;s Comfort Letter</U>. Concurrently with the execution and
delivery of this Agreement, or, if the Company elects to rely on Rule&nbsp;430A, on the date of the
Prospectus, the Placement Agent shall have received a letter dated such date, (the &#147;<U>Comfort
Letter</U>&#148;), addressed to the Placement Agent and in form and substance reasonably satisfactory to
the Placement Agent and its counsel, from KPMG LLP, (i)&nbsp;confirming that they are independent public
accountants with respect to the Company within the meaning of the Securities Act and the Rules and
Regulations and (ii)&nbsp;stating, as of the Closing Date (or, with respect to matters involving changes
or developments since the respective dates as of which specified financial information is given in
the Disclosure Package, as of a date not more than three days prior to the Closing Date), the
conclusions and findings of such firm with respect to the financial information and other matters
ordinarily covered by accountants&#146; &#147;comfort letters&#148; to underwriters in connection with registered
public offerings. At the Closing Date, the Accountants shall have furnished to the Placement Agent
a letter, dated the date of its delivery, which shall confirm, on the basis of a review in
accordance with the procedures set forth in the Comfort Letter, that nothing has come to their
attention during the period from the date of the Comfort Letter referred to in the prior sentence
to a date (specified in the letter) not more than three days prior to the Closing Date which would
require any change in the Comfort Letter if it were required to be dated and delivered at the
Closing Date.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(h)&nbsp;<U>Foreign Offerings</U>. The Placement Agent shall have no obligation to
offer or sell the Shares in any foreign jurisdiction, including Korea, unless and until all
applicable laws and regulations are complied with, as well as relevant filings are made, in such
foreign jurisdictions.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i)&nbsp;<U>Officer&#146;s Certificate</U>. The Placement Agent shall have received on the
Closing Date a certificate, addressed to the Placement Agent and dated the Closing Date, of the
chief executive or chief operating officer and the chief financial officer or chief accounting
officer of the Company to the effect that:
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i) the representations and warranties of the Company set forth in this
Agreement shall be true and correct (i)&nbsp;on and as of the date hereof and (ii)&nbsp;on and as of
the Closing Date with the same effect as though such representations and warranties had
been made on and as of the Closing Date (except for representations and warranties that
expressly speak only as of a specific date or time which need only be true and correct as of
such date or time) except in each of cases (i)&nbsp;and (ii)&nbsp;for such failures of representations
and warranties to be true and correct (without giving effect to any materiality or Material
Adverse Effect qualification or standard contained in any such warranties) which would not
reasonably be expected to have, individually or in the aggregate, a Material Adverse Effect
on the Company;
</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; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii) all covenants and agreements set forth in this Agreement to be performed
on the part of the Company and all conditions set forth in this Agreement to be fulfilled or
complied with by the Company at or prior to the Closing Date shall have been duly performed,
fulfilled or complied with in all material respects;
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iii) except as set forth in the Prospectus, there has not been, subsequent
to the date of the most recent audited financial statements included or incorporated by
reference in the Disclosure Package, any material adverse change in the financial position
or results of operations of the Company, or any change or development that, singularly or in
the aggregate, would reasonably be likely to result in a Material Adverse Effect;
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iv) no stop order suspending the effectiveness of the Registration Statement
or any part thereof or any amendment thereof or the qualification of the Shares for offering
or sale, nor suspending or preventing the use of the Disclosure Package, the Prospectus or
any Issuer Free Writing Prospectus shall have been issued, and no proceedings for that
purpose or pursuant to Section&nbsp;8A under the Securities Act shall be pending or to their
knowledge, threatened by the Commission or any state or regulatory body;
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(v) the Registration Statement and each amendment thereto, as of the date of
this Agreement and as of the Closing Date, did not include any untrue statement of a
material fact and did not omit to state a material fact required to be stated therein or
necessary to make the statements therein not misleading, and the Disclosure Package, as of
the date hereof and as of the Closing Date, any Issuer Free Writing Prospectus as of its
date and as of the Closing Date, the Prospectus and each amendment or supplement thereto, as
of the respective date thereof and as of the Closing Date, did not include any untrue
statement of a material fact and did not omit to state a material fact necessary in order to
make the statements therein, in the light of the circumstances in which they were made, not
misleading; and
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(vi) no event has occurred as a result of which it is necessary to amend or
supplement the Registration Statement, the Prospectus or the Disclosure Package in order to
make the statements therein not untrue or misleading in any material respect.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(j)&nbsp;<U>the NASDAQ Global Market</U>. The Shares shall have been listed and
authorized for trading on the NASDAQ Global Market, and satisfactory evidence of such actions shall
have been provided to the Placement Agent, which shall include verbal confirmations from a member
of the NASDAQ staff.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(k)&nbsp;<U>No FINRA Objection</U>. The Placement Agent shall have not have received
any unresolved objection from the FINRA as to the fairness and reasonableness of the amount of
compensation allowable or payable to the Placement Agent in connection with the issuance and sale
of the Shares.
</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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(l)&nbsp;<U>Subscription Agreement</U>. The Company shall have entered into the
Subscription Agreement with each of the Investors, and such agreement shall be in full force and
effect on the Closing Date.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(m)&nbsp;<U>Compensation</U>. On the Closing Date, the Placement Agent shall have
received the Compensation and the reimbursement of its expenses all in accordance with the
Engagement Letter.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(n)&nbsp;<U>Additional Documents</U>. Prior to the Closing Date, the Company shall have
furnished to the Placement Agent such further information, certificates or documents as the
Placement Agent shall have reasonably requested.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;All opinions, letters, evidence and certificates mentioned above or elsewhere in this
Agreement shall be deemed to be in compliance with the provisions hereof only if they are in form
and substance reasonably satisfactory to counsel for the Placement Agent.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If any condition specified in this Section&nbsp;5 is not satisfied when and as required to be
satisfied, this Agreement may be terminated by the Placement Agent by written notice to the Company
at any time prior to the Closing Date, which termination shall be without liability on the part of
any party to any other party, except that Sections&nbsp;6, 8, 9 and 11 through 17 hereof shall at all
times be effective and shall survive such termination.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.&nbsp;<U>Indemnification and Contribution</U>.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a)&nbsp;<U>Indemnification of the Placement Agent</U>. The Company agrees to
indemnify, defend and hold harmless the Placement Agent, its directors and officers, any person who
controls the Placement Agent within the meaning of Section&nbsp;15 of the Securities Act or Section&nbsp;20
of the Exchange Act, and the successors and assigns of all of the foregoing persons, from and
against any losses, claims, damages, expenses or liabilities, joint or several, to which the
Placement Agent or such persons may become subject, under the Securities Act, the Exchange Act, or
other federal or state statutory law or regulation, the common law or otherwise (including in
settlement of any litigation if such settlement is effected with the written consent of the
Company), insofar as such losses, claims, damages or liabilities (or actions in respect thereof)
arise out of or are based upon (i)&nbsp;any untrue statement or alleged untrue statement of a material
fact contained in the Registration Statement, any Preliminary Prospectus, the Disclosure Package,
the Prospectus, or any amendment or supplement thereto, any Issuer Free Writing Prospectus or in
any materials or information provided to Investors by, or with the approval of, the Company
specifically for use in connection with the marketing of the offering and sale of the Common Stock
(&#147;<U>Marketing Materials</U>&#148;), including any roadshow or investor presentations made to Investors
by the Company (whether in person or electronically) or arise out of or are based upon the omission
or alleged omission to state therein a material fact required to be stated therein or necessary to
make the statements therein not misleading, and will reimburse the Placement Agent for any legal or
other expenses reasonably incurred by it in connection with investigating or defending against such
loss, claim, damage, liability, expense or action; or (ii)&nbsp;in whole or in part upon any inaccuracy
in the representations and warranties of the Company contained herein; or (iii)&nbsp;in whole or in part
upon any failure of the Company to perform its obligations hereunder or under law; <I>provided</I>,
<I>however</I>, that the Company shall not be liable in any such case to the
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">
<DIV align="left" style="font-size: 10pt; margin-top: 6pt">extent that any such loss, claim, damage, expense, liability or action arises out of or is
based upon an untrue statement or alleged untrue statement or omission or alleged omission made in
the Registration Statement, any Preliminary Prospectus, the Disclosure Package, the Prospectus, or
any such amendment or supplement, any Issuer Free Writing Prospectus or in any Marketing Materials,
in reliance upon and in conformity with written information furnished to the Company by the
Placement Agent, specifically for use in the preparation thereof, which information the parties
hereto agree is limited to the Placement Agent&#146;s Information.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b)&nbsp;<U>Indemnification of the Company</U>. The Placement Agent agrees to
indemnify, defend and hold harmless the Company, each of its directors, each of its officers who
sign the Registration Statement, and any person who controls the company within the meaning of
Section&nbsp;15 of the Securities Act or Section&nbsp;20 of the Exchange Act, and the successors and assigns
of all of the foregoing persons, against any losses, claims, damages, expenses or liabilities to
which the Company or such persons may become subject, under the Securities Act, the Exchange Act,
or other federal or state statutory law or regulation, the common law or otherwise (including in
settlement of any litigation, if such settlement is effected with the written consent of the
Placement Agent), insofar as such losses, claims, damages, expenses or liabilities (or actions in
respect thereof) arise out of or are based upon (i)&nbsp;any untrue statement or alleged untrue
statement of a material fact contained in the Registration Statement, any Preliminary Prospectus,
the Disclosure Package, the Prospectus, or any amendment or supplement thereto or any Issuer Free
Writing Prospectus, or arise out of or are based upon the omission or alleged omission to state
therein a material fact required to be stated therein or necessary to make the statements therein
not misleading, in each case to the extent, but only to the extent, that such untrue statement or
alleged untrue statement or omission or alleged omission was made in the Registration Statement,
any Preliminary Prospectus, the Disclosure Package, the Prospectus, or any such amendment or
supplement thereto, or any Issuer Free Writing Prospectus in reliance upon and in conformity with
written information furnished to the Company by the Placement Agent, specifically for use in the
preparation thereof, which information the parties hereto agree is limited to the Placement Agent&#146;s
Information relating to the Placement Agent, and will reimburse the Company for any legal or other
expenses reasonably incurred by the Company in connection with investigating or defending against
any such loss, claim, damage, liability or action; (ii)&nbsp;in whole or in part upon any inaccuracy in
the representations and warranties of the Placement Agent contained herein; or (iii)&nbsp;in whole or in
part upon any failure of the Placement Agent to perform its obligations hereunder or under law.
Notwithstanding the provisions of this <U>Section&nbsp;6(b)</U>, in no event shall any indemnity by the
Placement Agent under this <U>Section&nbsp;6(b)</U> exceed the total compensation received by the
Placement Agent specifically relating to the offer and sale of the Shares in accordance with
<U>Section&nbsp;1(b)</U> hereof; provided, however, this limitation shall not apply for any losses,
claims, damages, expenses or liabilities that arise out of or are based on any action of or failure
to act by the Placement Agent to the extent such losses, claims, damages, expenses or liabilities
are determined, by a final, non-appealable judgment by a court, to have resulted from the Placement
Agent&#146;s fraudulent act or intentional misconduct.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c)&nbsp;<U>Notice and Procedures</U>. If any action, suit or proceeding (each, a
&#147;<U>Proceeding</U>&#148;) is brought against a person (an &#147;<U>Indemnified Party</U>&#148;) in respect of
which indemnity may be sought against the Company or the Placement Agent (as applicable, the
&#147;<U>Indemnifying Party</U>&#148;) pursuant to <U>Subsection (a)</U> or <U>(b)</U> above,
respectively, of this Section&nbsp;6, such Indemnified Party shall promptly notify such Indemnifying
Party in writing of the
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">
<DIV align="left" style="font-size: 10pt; margin-top: 6pt">institution of such Proceeding and such Indemnifying Party shall assume the defense of such
Proceeding, including the employment of counsel reasonably satisfactory to such Indemnified Party
(who shall not, except with the consent of the Indemnified Party, be counsel to the Indemnifying
Party) and payment of all fees and expenses; <I>provided</I>, <I>however</I>, that the omission to so notify such
Indemnifying Party shall not relieve such Indemnifying Party from any liability which such
Indemnifying Party may have to any Indemnified Party or otherwise, except to the extent the
Indemnifying Party has been materially prejudiced by such failure; and <I>provided</I>, <I>further</I>, that the
failure to notify the Indemnifying Party shall not relieve it from any liability that it may have
to an Indemnified Party otherwise than under <U>Subsection (a)</U> or <U>(b)</U> above. The
Indemnified Party or parties shall have the right to employ its or their own counsel in any such
case, but the fees and expenses of such counsel shall be at the expense of such Indemnified Party
or parties unless (i)&nbsp;the employment of such counsel shall have been authorized in writing by the
Indemnifying Party in connection with the defense of such Proceeding, (ii)&nbsp;the Indemnifying Party
shall not have, within a reasonable period of time in light of the circumstances, employed counsel
to defend such Proceeding or (iii)&nbsp;such Indemnified Party or parties shall have reasonably
concluded upon written advice of counsel that there may be one or more legal defenses available to
it or them which are different from, additional to or in conflict with those available to such
Indemnifying Party (in which case such Indemnifying Party shall not have the right to direct that
portion of the defense of such Proceeding on behalf of the Indemnified Party or parties, but such
Indemnifying Party or parties may employ counsel and participate in the defense thereof but the
fees and expenses of such counsel shall be at the expense of the Indemnifying Party), in any of
which events such reasonable fees and expenses shall be borne by such Indemnifying Party and paid
as incurred (it being understood, however, that such Indemnifying Party shall not be liable for the
expenses of more than one separate counsel (in addition to any local counsel) in any one Proceeding
or series of related Proceedings in the same jurisdiction representing the Indemnified Parties who
are parties to such Proceeding). An Indemnifying Party shall not be liable for any settlement of
any Proceeding effected without its written consent but, if settled with its written consent, such
Indemnifying Party agrees to indemnify and hold harmless the Indemnified Party or parties from and
against any loss or liability by reason of such settlement. Notwithstanding the foregoing
sentence, if at any time an Indemnified Party shall have requested an Indemnifying Party to
reimburse the Indemnified Party for fees and expenses of counsel as contemplated by the second
sentence of this <U>Section&nbsp;6(c)</U>, then the Indemnifying Party agrees that it shall be liable
for any settlement of any Proceeding effected without its written consent if (i)&nbsp;such settlement is
entered into more than 60&nbsp;days after receipt by such Indemnifying Party of the aforesaid request,
(ii)&nbsp;such Indemnifying Party shall not have fully reimbursed the Indemnified Party in accordance
with such request prior to the date of such settlement and (iii)&nbsp;such Indemnified Party shall have
given the Indemnifying Party at least 30&nbsp;days&#146; prior notice of its intention to settle. No
Indemnifying Party shall, without the prior written consent of the Indemnified Party, effect any
settlement, compromise or consent to the entry of judgment in any pending or threatened Proceeding
in respect of which any Indemnified Party is or could have been a party and indemnity could have
been sought hereunder by such Indemnified Party, unless such settlement includes an unconditional
release of such Indemnified Party from all liability on claims that are the subject matter of such
Proceeding and does not include an admission of fault or culpability or a failure to act by or on
behalf of such Indemnified Party.
</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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d)&nbsp;<U>Contribution</U>. If the indemnification provided for in this <U>Section
6</U> is unavailable to an Indemnified Party under <U>Subsections (a)</U> or <U>(b)</U> of this
<U>Section&nbsp;6</U> or insufficient to hold an Indemnified Party harmless in respect of any losses,
claims, damages, liabilities or expenses referred to therein, then each applicable Indemnifying
Party, in lieu of indemnifying such Indemnified Party, shall contribute to the amount paid or
payable by such Indemnified Party as a result of the losses, claims, damages, liabilities or
expenses referred to in <U>Subsection (a)</U> or <U>(b)</U> above, (i)&nbsp;in such proportion as is
appropriate to reflect the relative benefits received by the Indemnifying Party or parties on the
one hand and the Indemnified Party or parties on the other from the offering and sale of the Shares
or (ii)&nbsp;if the allocation provided by clause (i)&nbsp;above is not permitted by applicable law, in such
proportion as is appropriate to reflect not only the relative benefits referred to in clause (i)
above but also the relative fault of the Indemnifying Party or parties on the one hand and the
Indemnified Party or parties on the other hand in connection with the statements or omissions that
resulted in such losses, claims, damages, liabilities or expenses, as well as any other relevant
equitable considerations. The relative benefits received by the Company on the one hand and the
Placement Agent on the other hand shall be deemed to be in the same respective proportions as the
total net proceeds from the offering of the Shares (before deducting expenses) received by the
Company bear to the discounts and commissions received by the Placement Agent. The relative fault
of the Company on the one hand and the Placement Agent on the other hand shall be determined by
reference to, among other things, whether the untrue or alleged untrue statement of a material fact
or the omission or alleged omission to state a material fact relates to information supplied by the
Company, on the one hand, or by the Placement Agent, on the other hand, and the parties&#146; relevant
intent, knowledge, access to information and opportunity to correct or prevent such untrue
statement, omission act or failure to act; <I>provided </I>that the parties hereto agree that the written
information furnished to the Company by the Placement Agent for use in the Registration Statement
or the Prospectus, or in any amendment or supplement thereto, consists solely of the Placement
Agent&#146;s Information relating to that Placement Agent; and provided, further, that contribution
shall not be available to an Indemnified Party for any losses, claims, damages, expenses or
liabilities that arise out of or are based on any action of or failure to act by such Indemnified
Party to the extent such losses, claims, damages, expenses or liabilities are determined, by a
final, non-appealable judgment by a court, to have resulted from such Indemnified Party&#146;s
fraudulent act or intentional misconduct.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(e)&nbsp;<U>Allocation</U>. The Company and the Placement Agent agree that it would not
be just and equitable if contribution pursuant to <U>Section&nbsp;6(d)</U> above were to be determined
by pro rata allocation or by any other method of allocation which does not take account of the
equitable considerations referred to in the first sentence of <U>Section&nbsp;6(d)</U> above.
Notwithstanding the provisions of this <U>Section&nbsp;6(e)</U>, the Placement Agent shall not be
required to contribute any amount in excess of the total Compensation received by the Placement
Agent specifically relating to the offer and sale of the Shares in accordance with <U>Section
1(b)</U> less the amount of any damages which the Placement Agent has otherwise paid or become
liable to pay by reason of any untrue or alleged untrue statement, omission or alleged omission,
act or alleged act or failure to act or alleged failure to act. No person guilty of fraudulent
misrepresentation (within the meaning of Section 11(f) of the Securities Act) shall be entitled to
contribution from any person who was not guilty of such fraudulent misrepresentation. The remedies
provided for in this <U>Section&nbsp;6</U> are not exclusive and shall not limit any rights or remedies
which may otherwise be available to any Indemnified Party at law or in equity.
</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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(f)&nbsp;<U>Representations and Agreements to Survive Delivery</U>. The obligations of
the Company under this <U>Section&nbsp;6</U> shall be in addition to any liability which the Company
may otherwise have. The indemnity and contribution agreements contained in this <U>Section&nbsp;6</U>
and the covenants, agreements, warranties and representations of the Company contained in this
Agreement shall remain operative and in full force and effect regardless of (i)&nbsp;any termination of
this Agreement, (ii)&nbsp;any investigation made by or on behalf of the Placement Agent, any person who
controls the Placement Agent within the meaning of either Section&nbsp;15 of the Securities Act or
Section&nbsp;20 of the Exchange Act or any affiliate of the Placement Agent, or by or on behalf of the
Company, its directors or officers or any person who controls the Company within the meaning of
either Section&nbsp;15 of the Securities Act or Section&nbsp;20 of the Exchange Act, and (iii)&nbsp;the issuance
and delivery of the Shares. The Company and the Placement Agent agree promptly to notify each other
of the commencement of any Proceeding against it and, in the case of the Company, against any of
the Company&#146;s officers or directors in connection with the issuance and sale of the Shares, or in
connection with the Registration Statement, the Disclosure Package or the Prospectus.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.&nbsp;<U>Information Furnished by Placement Agent</U>. The Company acknowledges that the
statements set forth in the paragraph under the heading &#147;Plan of Distribution&#148; in the Prospectus
(the &#147;<U>Placement Agent&#146;s Information</U>&#148;) constitute the only information relating to the
Placement Agent furnished in writing to the Company by the Placement Agent.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7.&nbsp;<U>Termination</U>. The Placement Agent shall have the right to terminate this Agreement
by giving notice as hereinafter specified at any time at or prior to the Closing Date, without
liability on the part of the Placement Agent to the Company, if (i)&nbsp;prior to delivery and payment
for the Shares (A)&nbsp;trading in securities generally shall have been suspended on or by the New York
Stock Exchange, the American Stock Exchange, the NASDAQ Global Market or in the over the counter
market (each, a &#147;<U>Trading Market</U>&#148;), (B)&nbsp;trading in the Common Stock of the Company shall
have been suspended on the NASDAQ Global Market, (C)&nbsp;a general moratorium on commercial banking
activities shall have been declared by federal or New York state authorities or a material
disruption shall have occurred in commercial banking or securities settlement or clearance services
in the United States, (D)&nbsp;there shall have occurred any outbreak or material escalation of
hostilities or acts of terrorism involving the United States or there shall have been a declaration
by the United States of a national emergency or war, (E)&nbsp;there shall have occurred any other
calamity or crisis or any material change in general economic, political or financial conditions in
the United States or elsewhere, if the effect of any such event specified in clause (D)&nbsp;or (E), in
the reasonable judgment of the Placement Agent, is material and adverse and makes it impractical or
inadvisable to proceed with the completion of the sale of and payment for the Shares on the Closing
Date on the terms and in the manner contemplated by this Agreement, the Disclosure Package and the
Prospectus, (ii)&nbsp;since the time of execution of this Agreement or the earlier respective dates as
of which information is given in the Disclosure Package or incorporated by reference therein, there
has been any Material Adverse Effect of the Company, (iii)&nbsp;the Company shall have failed, refused
or been unable to comply with the terms or perform any agreement or obligation of this Agreement or
any Subscription Agreement, other than by reason of a default by the Placement Agent, (iv)&nbsp;any
condition of the Placement Agent&#146;s obligations hereunder is not fulfilled, or (v)&nbsp;the Escrow
Release Date shall not have occurred on or prior to November&nbsp;15, 2010. The Company shall have the
right to terminate this Agreement as any time by giving ten days prior written notice, in
accordance with the Engagement Letter, at
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">
<DIV align="left" style="font-size: 10pt; margin-top: 6pt">any time prior to the Closing Date. Any such termination by either the Company or the
Placement Agent shall be without liability of any party to any other party except as set forth in
the Engagement Letter and except that the provisions of <U>Sections&nbsp;6</U>, <U>8</U>, <U>9</U>
and <U>11 through 17</U> hereof shall at all times be effective notwithstanding such termination.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8.&nbsp;<U>Notices</U>. All statements, requests, notices and agreements hereunder shall be in
writing or by facsimile, and:
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a)&nbsp;if to the Placement Agent, shall be delivered or sent by mail, telex or
facsimile transmission as follows:
</DIV>
<DIV align="left" style="font-size: 10pt; margin-left: 9%; margin-top: 6pt">Cappello Capital Corp.<BR>
100 Wilshire Boulevard<BR>
Suite&nbsp;1200<BR>
Santa Monica, California 90401<BR>
Attn: Milton Hahn and Rob Deutschman<BR>
Facsimile: (310)&nbsp;393-4838
</DIV>

<DIV align="left" style="font-size: 10pt; margin-left: 6%; margin-top: 6pt">with a copy (which shall not constitute notice) to:
</DIV>

<DIV align="left" style="font-size: 10pt; margin-left: 9%; margin-top: 6pt">Morrison &#038; Foerster LLP<BR>
Suite&nbsp;3500<BR>
555 West Fifth Street<BR>
Los Angeles, California 90013-1024<BR>
Attn: Henry Fields. Esq. &#038; Jackie Liu, Esq.<BR>
Facsimile: (213)&nbsp;892-5454
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b)&nbsp;if to the Company shall be delivered or sent by mail, telex or facsimile
transmission to:
</DIV>
<DIV align="left" style="font-size: 10pt; margin-left: 9%; margin-top: 6pt">Hanmi Financial Corporation<BR>
3660 Wilshire Boulevard<BR>
Penthouse A<BR>
Los Angeles, California 90010<BR>
Attn: Chief Executive Officer<BR>
Telephone No.: (213)&nbsp;427-5631<BR>
Facsimile: (213)&nbsp;384-0990
</DIV>

<DIV align="left" style="font-size: 10pt; margin-left: 6%; margin-top: 6pt">with a copy (which shall not constitute notice) to:
</DIV>

<DIV align="left" style="font-size: 10pt; margin-left: 9%; margin-top: 6pt">Manatt, Phelps &#038; Phillips, LLP<BR>
11355 West Olympic Boulevard<BR>
Los Angeles, California 90064<BR>
Attn: Gordon M. Bava, Esq. &#038; Mark J. Kelson, Esq.<BR>
Facsimile: (310)&nbsp;312-4224
</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 such statements, requests, notices or agreements shall be effective only upon receipt.
Any party to this Agreement may change such address for notices by sending to the parties to this
Agreement written notice of a new address for such purpose.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9.&nbsp;<U>Persons Entitled to Benefit of Agreement</U>. This Agreement shall inure to the
benefit of and shall be binding upon the Placement Agent, the Company, and their respective
successors and assigns. Nothing expressed or mentioned in this Agreement is intended or shall be
construed to give any person other than the persons mentioned in the preceding sentence any legal
or equitable right, remedy or claim under or in respect of this Agreement, or any provisions herein
contained, this Agreement and all conditions and provisions hereof being intended to be and being
for the sole and exclusive benefit of such persons and for the benefit of no other person, except
that (i)&nbsp;the indemnities of the Company contained in this Agreement shall also be for the benefit
of the controlling persons, officers and directors and other persons referred to in <U>Section
6(a)</U> hereof and the indemnities of the Placement Agent shall also be for the benefit of the
controlling persons, officers and directors and other persons referred to in <U>Section&nbsp;6(b)</U>
hereof and (ii)&nbsp;the Investors are relying on the representations made by the Company under, and are
intended third party beneficiaries of, this Agreement. The term &#147;successors and assigns&#148; as herein
used shall not include any purchaser of the Shares by reason merely of such purchase.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10.&nbsp;<U>Governing Law; Submission to Jurisdiction</U>. This Agreement shall be governed by,
and construed in accordance with, the laws of the State of California, without giving effect to the
conflicts of laws provisions thereof. Except as set forth below, no Proceeding may be commenced,
prosecuted or continued in any court other than the courts of State of California located in the
City and County of California or the United States District Court for the Southern District of
California, which courts shall have jurisdiction over the adjudication of such matters, and the
Company hereby consents to the jurisdiction of such courts and personal service with respect
thereto. The Company hereby consents to personal jurisdiction, service and venue in any court in
which any Proceeding arising out of or in any way relating to this Agreement is brought by any
third party against the Placement Agent. The Company hereby waives all right to trial by jury in
any Proceeding (whether based upon contract, tort or otherwise) in any way arising out of or
relating to this Agreement. The Company agrees that a final judgment in any such Proceeding
brought in any such court shall be conclusive and binding upon the Company and may be enforced in
any other courts in the jurisdiction of which the Company is or may be subject, by suit upon such
judgment.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11.&nbsp;<U>No Fiduciary Relationship</U>. The Company hereby acknowledges and agrees that:
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a)&nbsp;<U>No Other Relationship</U>. The Placement Agent has been retained solely to
act as the exclusive placement agent in connection with the offering and sale of the Shares. The
Company further acknowledges that the Placement Agent is acting pursuant to a contractual
relationship created solely by this Agreement entered into on an arm&#146;s length basis and in no event
do the parties intend that the Placement Agent act or be responsible as a fiduciary to the Company,
its management, stockholders, creditors or any other person in connection with any activity that
the Placement Agent may undertake or has undertaken in furtherance of the offering and sale of the
Shares, either before or after the date hereof. The Placement Agent hereby expressly disclaims any
fiduciary or similar obligations to the Company, either in connection
</DIV>

<P align="center" style="font-size: 10pt"><!-- Folio -->32<!-- /Folio -->
</DIV>

<!-- PAGEBREAK -->
<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" style="font-size: 10pt; margin-top: 6pt">with the transactions contemplated by this Agreement or any matters leading up to such
transactions, and the Company hereby confirms its understanding and agreement to that effect.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b)&nbsp;<U>Absence of Obligation to Disclose</U>. The Company has been advised that
the Placement Agent and its affiliates are engaged in a broad range of transactions which may
involve interests that differ from those of the Company and that the Placement Agent has no
obligation to disclose such interests and transactions to the Company by virtue of any fiduciary,
advisory or agency relationship; and
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c)&nbsp;<U>Waiver</U>. The Company hereby waives and releases, to the fullest extent
permitted by law, any claims that the Company may have against the Placement Agent with respect to
any breach or alleged breach of any fiduciary or similar duty to the Company in connection with the
transactions contemplated by this Agreement or any matters leading up to such transactions and
agrees that the Placement Agent shall have no liability (whether direct or indirect) to the Company
in respect of such a fiduciary duty claim to any person asserting a fiduciary duty claim on behalf
of the Company, including stockholders, employees or creditors of the Company.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;12.&nbsp;<U>Headings</U>. The Section headings in this Agreement have been inserted as a matter
of convenience of reference and are not a part of this Agreement.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;13.&nbsp;<U>Amendments and Waivers</U>. No supplement, modification or waiver of this Agreement
shall be binding unless executed in writing by the party to be bound thereby. The failure of a
party to exercise any right or remedy shall not be deemed or constitute a waiver of such right or
remedy in the future. No waiver of any of the provisions of this Agreement shall be deemed or
shall constitute a waiver of any other provision hereof (regardless of whether similar), nor shall
any such waiver constitute a continuing waiver unless otherwise expressly provided.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;14.&nbsp;<U>Counterparts</U>. This Agreement may be executed in one or more counterparts and, if
executed in more than one counterpart, the executed counterparts shall each be deemed to be an
original and all such counterparts shall together constitute one and the same instrument. Delivery
of an executed counterpart by facsimile or by e-mail delivery of a &#147;.pdf&#148; format data file shall be
effective as delivery of a manually executed counterpart thereof.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;15.&nbsp;<U>Entire Agreement</U>. This Agreement constitutes the entire agreement of the parties
to this Agreement and supersedes all prior written or oral and all contemporaneous oral agreements,
understandings and negotiations with respect to the subject matter hereof.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;16.&nbsp;<U>Partial Unenforceability</U>. The invalidity or unenforceability of any section,
paragraph, clause or provision of this Agreement shall not affect the validity or enforceability of
any other section, paragraph, clause or provision hereof. If any section, paragraph, clause or
provision of this Agreement is for any reason determined to be invalid or unenforceable, there
shall be deemed to be made such minor changes (and only such minor changes) as are necessary to
make it valid and enforceable.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;17.&nbsp;<U>Effectiveness</U>. This Agreement shall become effective upon the execution and
delivery hereof by the parties hereto.
</DIV>

<P align="center" style="font-size: 10pt"><!-- Folio -->33<!-- /Folio -->
</DIV>

<!-- PAGEBREAK -->
<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" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If the foregoing is in accordance with your understanding of the agreement between the Company
and the Placement Agent, kindly indicate your acceptance in the space provided for that purpose
below.
</DIV>

<TABLE width="100%" border="0" cellspacing="0" cellpadding="0" style="font-size: 10pt">
<TR>
    <TD width="48%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="35%">&nbsp;</TD>
    <TD width="15%">&nbsp;</TD>
</TR>
<TR>
    <TD valign="top" align="left">&nbsp;</TD>
    <TD colspan="3" align="left">Very truly yours,<BR>
<BR>
Hanmi Financial Corporation<BR>
&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR><TR>
    <TD align="left">&nbsp;</TD>
    <TD valign="top">By:&nbsp;&nbsp;</TD>

<TD colspan="2" style="border-bottom: 1px solid #000000" align="left">/s/
Joseph K. Rho</TD>
    <TD>&nbsp;</TD>
</TR><TR>
    <TD align="left">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD valign="top">Name:&nbsp;&nbsp;</TD>
    <TD align="left">Joseph K. Rho</TD>
    <TD>&nbsp;</TD>
</TR><TR>
    <TD align="left">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD valign="top">Title:&nbsp;&nbsp;</TD>
    <TD align="left">Chairman of the Board of Directors</TD>
    <TD>&nbsp;</TD>
</TR>
<TR>
    <TD colspan="5">&nbsp;</TD>
</TR>
</TABLE>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">Accepted
as of the date first above written:

</DIV>
<DIV align="left" style="font-size: 10pt; margin-top: 6pt">Cappello Capital Corp.
</DIV>


<TABLE width="100%" border="0" cellspacing="0" cellpadding="0" style="font-size: 10pt">
<TR>
    <TD width="1%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="35%">&nbsp;</TD>
    <TD width="48%">&nbsp;</TD>
    <TD width="15%">&nbsp;</TD>
</TR>
<TR>
    <TD valign="top">By:&nbsp;&nbsp;</TD>

<TD colspan="2" style="border-bottom: 1px solid #000000" align="left">/s/
Alexander L. Cappello</TD>
    <TD>&nbsp;</TD>
</TR><TR>
    <TD>&nbsp;</TD>
    <TD valign="top">Name:&nbsp;&nbsp;</TD>
    <TD align="left">Alexander L. Cappello&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR><TR>
    <TD>&nbsp;</TD>
    <TD valign="top">Title:&nbsp;&nbsp;</TD>
    <TD align="left">Chairman and Chief Executive Officer&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR>
    <TD colspan="5">&nbsp;</TD>
</TR>
</TABLE>

<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>&#091;Signature Page to Placement Agency Agreement&#093;</B>
</DIV>



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



</BODY>
</HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-4.1
<SEQUENCE>3
<FILENAME>v56465exv4w1.htm
<DESCRIPTION>EX-4.1
<TEXT>
<HTML>
<HEAD>
<TITLE>exv4w1</TITLE>
</HEAD>
<BODY bgcolor="#FFFFFF">
<!-- PAGEBREAK -->

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

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

<DIV align="right" 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">Exhibit&#160;4.1</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: 0%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <B>THE TERMS AND CONDITIONS OF THE RIGHTS OFFERING ARE SET FORTH
    IN THE COMPANY&#146;S PROSPECTUS SUPPLEMENT DATED JUNE 11, 2010
    (THE &#147;PROSPECTUS&#148;) AND ARE INCORPORATED HEREIN BY
    REFERENCE. COPIES OF THE PROSPECTUS ARE AVAILABLE UPON REQUEST
    FROM GEORGESON, THE INFORMATION AGENT.</B>
</DIV>

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

<DIV align="center" style="margin-left: 0%; margin-right: 0%; font-size: 14pt; font-family: Arial, Helvetica; color: #000000; background: #FFFFFF">

    <B><FONT style="font-family: 'Times New Roman', Times">HANMI
    FINANCIAL CORPORATION<BR>
    NON-TRANSFERABLE SUBSCRIPTION RIGHTS CERTIFICATE</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">
    Hanmi Financial Corporation (the &#147;Company&#148;) is
    offering (the &#147;Rights Offering&#148;) to its stockholders
    of record (the &#147;Recordholders&#148;) as of June&#160;7,
    2010 (the &#147;Record Date&#148;) non-transferable rights (the
    &#147;Subscription Rights&#148;) to purchase up to an aggregate
    of 50,000,000&#160;shares of its common stock, par value $0.001
    per share (the &#147;Common Stock&#148;), at a subscription
    price of $1.20 per share (the &#147;Subscription Price&#148;).
    As described in the Prospectus, each Recordholder will receive
    one Subscription Right for each share of Common Stock owned on
    the Record Date. Subscription rights may only be exercised in
    whole numbers. Each whole Subscription Right will allow the
    holder thereof to subscribe to purchase one share of Common
    Stock (the &#147;Basic Subscription Privilege&#148;) at the
    Subscription Price. Each Recordholder who exercises the Basic
    Subscription Privilege in full will be eligible to subscribe to
    purchase additional shares of Common Stock, subject to the
    conditions and limitations described further in the Prospectus
    (the &#147;Over-Subscription Privilege&#148;). The Company
    offers no assurances that any subscription requests that any
    holder of Subscription Rights may submit pursuant to the
    Over-Subscription Privilege will be fulfilled in whole or in
    part.
</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 Offering expires at 5:00&#160;p.m., New York time, on
    July&#160;6, 2010 (the &#147;Expiration Date&#148;) unless the
    Company decides, in its sole discretion, to extend the
    expiration date or cancel the Rights Offering earlier.
</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 a more complete description of the terms and conditions of
    the Rights Offering, please refer to the Prospectus, which you
    should read carefully in its entirety. Please also read
    carefully &#147;Instructions for Use of Hanmi Financial
    Corporation Subscription Rights Certificates&#148; which has
    been provided to you with this Subscription Rights Certificate.
</DIV>

<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">1.
    EXERCISE OF SUBSCRIPTION RIGHTS<BR>
    </FONT></B><FONT style="font-family: 'Times New Roman', Times">(Check
    the appropriate responses and provide all required information)
    </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">
    You have been granted the number of Subscription Rights
    indicated in the lower right hand corner of this Subscription
    Rights Certificate, which entitles you to subscribe for an equal
    number of shares of Hanmi Financial Corporation Common Stock.
    Each Recordholder will receive one Subscription Right for each
    share of Common Stock owned on the Record Date.
</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">FULL
    EXERCISE OF BASIC SUBSCRIPTION PRIVILEGE:</FONT></B>
</DIV>

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

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

<TR>
    <TD width="3%"></TD>
    <TD width="97%"></TD>
</TR>

<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>    <FONT style="font-family: Wingdings; font-variant: normal">&#111;</FONT>&#160;&#160;</TD>
    <TD align="left">
    The undersigned hereby irrevocably exercises in full the
    Subscription Rights and subscribes
    for&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
    shares of Common Stock (which equals the number of Subscription
    Rights indicated in the lower right hand corner), subject to the
    terms and conditions set forth in the Prospectus.
</TD>
</TR>

</TABLE>

<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">EXERCISE
    OF OVER-SUBSCRIPTION PRIVILEGE (requires full exercise of Basic
    Subscription Privilege):</FONT></B>
</DIV>

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

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

<TR>
    <TD width="3%"></TD>
    <TD width="97%"></TD>
</TR>

<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>    <FONT style="font-family: Wingdings; font-variant: normal">&#111;</FONT>&#160;&#160;
</TD>
    <TD align="left">    The undersigned hereby irrevocably applies
    for&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
    additional shares of Common Stock pursuant to the
    Over-Subscription Privilege, subject to the terms and conditions
    set forth in the Prospectus. Please note that we will not accept
    any over-subscription requests for less than 10,000&#160;shares
    of our common stock, except from our non-executive officers and
    employees from whom we will accept over-subscription requests
    for 1,000 or more shares 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>    <FONT style="font-family: Wingdings; font-variant: normal">&#111;</FONT>&#160;&#160;
</TD>
    <TD align="left">    The undersigned hereby certifies that they are a non-executive
    officer or employee of the Company.
</TD>
</TR>

</TABLE>
<!-- 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 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">PARTIAL
    EXERCISE OF BASIC SUBSCRIPTION PRIVILEGE:</FONT></B>
</DIV>

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

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

<TR>
    <TD width="3%"></TD>
    <TD width="97%"></TD>
</TR>

<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>    <FONT style="font-family: Wingdings; font-variant: normal">&#111;</FONT>&#160;&#160;</TD>
    <TD align="left">
    The undersigned hereby irrevocably exercises only a portion of
    the Subscription Rights and subscribes
    for&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
    shares of Common Stock (which is less than the number of
    Subscription Rights, shown in the lower right hand corner, to
    which the undersigned is entitled).
</TD>
</TR>

</TABLE>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>
<DIV style="margin-left: 20%; margin-right: 20%">
<TABLE border="0" width="60%" 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="76%">&nbsp;</TD>	<!-- colindex=01 type=maindata -->
    <TD width="4%">&nbsp;</TD>	<!-- colindex=02 type=gutter -->
    <TD width="20%">&nbsp;</TD>	<!-- colindex=02 type=maindata -->
</TR>
<!-- Table Width Row END -->
<!-- TableOutputHead -->
<!-- TableOutputBody -->
<TR valign="bottom">
<TD align="left" valign="top">
<DIV style="text-indent: -10pt; margin-left: 10pt">
    TOTAL SHARES&#160;SUBSCRIBED FOR:
</DIV>
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="top">
    &#160;&#160;&#160;&#160;&#160;
</TD>
</TR>
<TR valign="bottom" style="font-size: 1pt">
<TD>
&nbsp;
</TD>
<TD>
&nbsp;
</TD>
<TD style="border-top: 1px solid #000000">
&nbsp;
</TD>
</TR>
<TR valign="bottom" style="line-height: 12pt">
<TD>
&nbsp;
</TD>
<TD>
&nbsp;
</TD>
<TD>
&nbsp;
</TD>
</TR>
<TR valign="bottom">
<TD nowrap align="left" valign="top">
<DIV style="text-indent: -10pt; margin-left: 10pt">
    AMOUNT ENCLOSED:
</DIV>
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="top">
    $&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
</TD>
</TR>
<TR valign="bottom" style="font-size: 1pt">
<TD>
&nbsp;
</TD>
<TD>
&nbsp;
</TD>
<TD style="border-top: 1px solid #000000">
&nbsp;
</TD>
</TR>
<TR valign="bottom">
<TD align="left" valign="top">
<DIV style="text-indent: -10pt; margin-left: 10pt">
    (At $1.20 per share of Common Stock)
</DIV>
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="top">
&nbsp;
</TD>
</TR>
</TABLE>
</DIV>

<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 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">
    By executing this Subscription Rights Certificate below, the
    undersigned hereby acknowledges and agrees to the following
    terms and conditions:
</DIV>

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

<DIV align="left" style="margin-left: 4%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    1.&#160;At the time of submitting this Subscription Rights
    Certificate for Common Stock, the undersigned agrees to deliver
    the full purchase price for all shares to be purchased. Failure
    to include the full purchase price will result in Computershare
    Inc. (the &#147;Subscription Agent&#148;) applying such payment
    to exercise the Basic Subscription Privilege of the undersigned
    and, if applicable, any accepted Over-Subscription Privilege to
    the fullest extent possible based on the amount of payment
    received. The purchase price must be paid as directed in the
    Prospectus and &#147;Instructions for Use of Hanmi Financial
    Corporation Subscription Rights Certificates.&#148;
</DIV>

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

<DIV align="left" style="margin-left: 4%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    2.&#160;Book Entry Shares in lieu of Certificates representing
    shares of Common Stock duly subscribed and paid for will be
    issued as soon as practicable after the earlier of when we have
    received total subscriptions in the rights offering and the best
    efforts public offering (described further in the Prospectus) of
    at least $105,000,000 in the aggregate, or the closing of the
    transaction with Woori (described further in the Prospectus).
    The undersigned hereby acknowledges and agrees that the
    settlement cycle for the purchase and sale of our common stock
    will be considerately longer than the usual three business day
    period as a result of the foregoing conditions to consummating
    the rights offering.
</DIV>

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

<DIV align="left" style="margin-left: 4%; margin-right: 0%; text-indent: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    3.&#160;The undersigned agrees to all terms and conditions of
    the Prospectus, which is incorporated herein by reference, and
    of this Subscription Rights Certificate.
</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>THE SUBSCRIPTION RIGHTS CERTIFICATE, OR NOTICE OF GUARANTEED
    DELIVERY, AND FULL PAYMENT OF THE TOTAL SUBSCRIPTION AMOUNT FOR
    ALL SHARES&#160;OF COMMON STOCK SUBSCRIBED FOR UNDER THE BASIC
    SUBSCRIPTION PRIVILEGE AND ANY ADDITIONAL SHARES&#160;OF COMMON
    STOCK SUBSCRIBED FOR PURSUANT TO THE OVER-SUBSCRIPTION
    PRIVILEGE, INCLUDING FINAL CLEARANCE OF ANY UNCERTIFIED PERSONAL
    CHECKS, MUST BE RECEIVED BY THE SUBSCRIPTION AGENT, ON OR BEFORE
    5:00&#160;P.M., NEW YORK TIME, ON THE EXPIRATION DATE. ONCE A
    RECORDHOLDER HAS EXERCISED ANY SUBSCRIPTION RIGHTS, SUCH
    EXERCISE MAY NOT BE CANCELLED, REVOKED OR OTHERWISE AMENDED.
    SUBSCRIPTION RIGHTS THAT ARE NOT EXERCISED PRIOR TO
    5:00&#160;P.M., NEW YORK TIME, ON THE EXPIRATION DATE WILL
    EXPIRE.</B>
</DIV>

<DIV style="margin-top: 15pt; 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">2.
    REGISTRATION OF 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">
    Shares purchased by the undersigned will be registered in the
    name of the stockholder to whom the rights have been issued.
</DIV>

<DIV style="margin-top: 15pt; 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">3.
    SIGNATURES</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">
    IN WITNESS WHEREOF, I (we) have irrevocably exercised my (our)
    Subscription Rights as indicated above, and I (we) have executed
    this certificate, and returned this Subscription Rights
    Certificate to the Subscription Agent, together with full
    payment for the shares subscribed for.
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>
<DIV style="margin-left: 20%; margin-right: 20%">
<TABLE border="0" width="60%" 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="21%">&nbsp;</TD>	<!-- colindex=01 type=maindata -->
    <TD width="3%">&nbsp;</TD>	<!-- colindex=02 type=gutter -->
    <TD width="18%">&nbsp;</TD>	<!-- colindex=02 type=maindata -->
    <TD width="18%">&nbsp;</TD>	<!-- colindex=03 type=gutter -->
    <TD width="18%">&nbsp;</TD>	<!-- colindex=03 type=maindata -->
    <TD width="4%">&nbsp;</TD>	<!-- colindex=04 type=gutter -->
    <TD width="18%">&nbsp;</TD>	<!-- colindex=04 type=maindata -->
</TR>
<!-- Table Width Row END -->
<!-- TableOutputHead -->
<!-- TableOutputBody -->
<TR valign="bottom">
<TD nowrap align="left" valign="top">
<DIV style="text-indent: -10pt; margin-left: 10pt">
    &#160;&#160;
</DIV>
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="right" valign="top">
&nbsp;
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="top">
&nbsp;
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="right" valign="top">
&nbsp;
</TD>
</TR>
<TR valign="bottom" style="font-size: 1pt">
<TD colspan="3" valign="top">
&nbsp;
</TD>
<TD>
&nbsp;
</TD>
<TD colspan="3" valign="top">
&nbsp;
</TD>
</TR>
<TR valign="bottom" style="font-size: 1pt">
<TD colspan="3" style="border-top: 1px solid #000000">
&nbsp;
</TD>
<TD>
&nbsp;
</TD>
<TD colspan="3" style="border-top: 1px solid #000000">
&nbsp;
</TD>
</TR>
<TR valign="bottom">
<TD nowrap align="left" valign="top">
<DIV style="text-indent: -10pt; margin-left: 10pt">
    <B><FONT style="font-size: 8pt">Signature</FONT></B>
</DIV>
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="right" valign="top">
    <B><FONT style="font-size: 8pt">Date</FONT></B>
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="top">
    <B><FONT style="font-size: 8pt">Signature</FONT></B>
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="right" valign="top">
    <B><FONT style="font-size: 8pt">Date </FONT></B>
</TD>
</TR>
</TABLE>
</DIV>

<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>
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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">&nbsp;</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">
    If the shares of the Recordholder are held in joint tenancy, the
    names and signatures of both joint tenants are required. If this
    Subscription Rights Certificate is being executed on behalf of a
    Recordholder by an attorney, executor, administrator, guardian
    or other fiduciary, or by an officer of a corporation, and the
    shares were not issued to such Recordholder in such manner, the
    person so executing must give his or her full title in such
    capacity, and proper evidence of authority to act in such
    capacity must be furnished to the Subscription Agent upon
    request.
</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">
    <B>Return this Certificate</B>
</TD>
</TR>

</TABLE>

<DIV style="margin-top: 12pt; 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="37%">&nbsp;</TD>	<!-- colindex=01 type=maindata -->
    <TD width="16%">&nbsp;</TD>	<!-- colindex=02 type=gutter -->
    <TD width="47%">&nbsp;</TD>	<!-- colindex=02 type=maindata -->
</TR>
<!-- Table Width Row END -->
<!-- TableOutputHead -->
<!-- TableOutputBody -->
<TR valign="bottom">
<TD align="center" valign="top">
<DIV style="text-indent: -10pt; margin-left: 10pt">
    &#160;&#160;<I>By First Class&#160;Mail:</I>
</DIV>
</TD>
<TD>
&nbsp;
</TD>
<TD align="center" valign="top">
    <I>By Overnight Courier<BR>
    (Until 5:00 pm. New York time on<BR>
    the expiration date of the rights offering subscription <BR>
    period):</I>
</TD>
</TR>
<TR valign="bottom">
<TD align="center" valign="top">
<DIV style="text-indent: -10pt; margin-left: 20pt">
    Computershare<BR>
    Corporate Actions Voluntary Offer<BR>
    P.O. Box 43011<BR>
    Providence, RI
    <FONT style="white-space: nowrap">02940-3011</FONT>
</DIV>
</TD>
<TD>
&nbsp;
</TD>
<TD align="center" valign="top">
    Computershare<BR>
    Corporate Actions Voluntary Offer<BR>
    250 Royall Street, Suite V<BR>
    Canton, MA 02021
</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 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>Delivery of this Subscription Rights Certificate to an
    address other than as set forth above does not constitute a
    valid delivery.</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">
    FOR ADDITIONAL INFORMATION CONCERNING THE RIGHTS OFFERING,
    INCLUDING INSTRUCTIONS&#160;ON THE USE OF SUBSCRIPTION RIGHTS
    CERTIFICATES, PLEASE CONSULT GEORGESON, THE INFORMATION AGENT.
    BANKS AND BROKERS SHOULD CALL
    <FONT style="white-space: nowrap">(212)&#160;440-9800</FONT>
    AND STOCKHOLDERS SHOULD CALL
    <FONT style="white-space: nowrap">(800)&#160;509-0983.</FONT>
</DIV>
<!-- XBRL Pagebreak Begin -->

<P align="center" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <BR>
    3
</DIV><!-- END PAGE WIDTH -->
</BODY>
</HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-5.1
<SEQUENCE>4
<FILENAME>v56465exv5w1.htm
<DESCRIPTION>EX-5.1
<TEXT>
<HTML>
<HEAD>
<TITLE>exv5w1</TITLE>
</HEAD>
<BODY bgcolor="#FFFFFF">
<!-- PAGEBREAK -->
<DIV style="font-family: 'Times New Roman',Times,serif">


<DIV align="right" style="font-size: 10pt; margin-top: 12pt"><B>Exhibit&nbsp;5.1</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">June&nbsp;11, 2010
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">Hanmi Financial Corporation<BR>
3660 Wilshire Boulevard<BR>
Penthouse A<BR>
Los Angeles, California 90010

</DIV>
<DIV align="left" style="font-size: 10pt; margin-top: 6pt">Ladies and Gentlemen:
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">We are special counsel to Hanmi Financial Corporation (the &#147;<U>Company</U>&#148;). We are rendering
this opinion in connection with the proposed issuance by the Company of (i)&nbsp;50&nbsp;million subscription
rights (the &#147;<U>Rights</U>&#148;) to purchase up to 50&nbsp;million shares of common stock, par value $0.001
per share, of the Company (the &#147;<U>Common Stock</U>&#148;) pursuant to a rights offering to holders of
the Common Stock as of June&nbsp;7, 2010, and (ii)&nbsp;50&nbsp;million shares of Common Stock (I)&nbsp;issuable upon
the exercise of the Rights and (II)&nbsp;as a consequence of a best efforts public offering, for an
aggregate of 100&nbsp;million shares of Common Stock, (collectively, the &#147;<U>Shares</U>&#148;), which Shares
are registered under the Securities Act of 1933 pursuant to a Registration Statement on Form S-3
dated November&nbsp;19, 2009 and related prospectus supplement (the &#147;<U>Supplement</U>&#148;) dated June&nbsp;11,
2010 (together, the &#147;<U>Registration Statement</U>&#148;). We have examined all instruments, documents
and records which we deemed relevant and necessary for the basis of our opinions hereinafter
expressed. In such examination, we have assumed the genuineness of all signatures and the
authenticity of all documents submitted to us as originals and the conformity to the originals of
all documents submitted to us as copies. We have also relied without investigation as to matters
of fact upon certificates and oral or written statements of officers of the Company and other
information obtained from the Company. We have not undertaken any independent investigation to
determine the existence or absence of the facts that are relevant to our opinions.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">Based on such examination and a consideration of such applicable law as we deemed applicable, we
are of the opinion that:
</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="1%" nowrap align="left">(1)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>The Rights have been duly authorized and, when issued, will be valid and binding obligations
of the Company, enforceable against the Company in accordance with their terms, except to the
extent that enforcement thereof may be limited by bankruptcy, insolvency, reorganization,
fraudulent transfer, moratorium or other similar laws now or hereafter in effect relating to
creditors&#146; rights generally and general principles of equity (regardless of whether
enforceability is considered in a proceeding at law or in equity);</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="1%" nowrap align="left">(2)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>When the Shares are issued and delivered against payment therefor upon due exercise of Rights
as contemplated in the Supplement and while the Registration Statement remains effective, the
Shares will be duly authorized, validly issued, fully paid and non-assessable; and</TD>
</TR>



</TABLE>
</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">&nbsp;</H5><P>

<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="1%" nowrap align="left">(3)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>When the Shares are issued and delivered against payment therefor in the best efforts public
offering as contemplated in the Supplement and while the Registration Statement remains
effective, the Shares will be duly authorized, validly issued, fully paid and non-assessable</TD>
</TR>

</TABLE>
</DIV>
<DIV align="left" style="font-size: 10pt; margin-top: 6pt">These opinions are limited to the laws of the State of Delaware as in effect as of the date of this
opinion, and we express no opinion as to the laws of any other jurisdiction. These opinions are
furnished in connection with the Registration Statement and are not to be used or otherwise
referred to for any other purpose without our consent. We hereby consent to the inclusion of our
opinion letter as an exhibit to the Registration Statement and to the use of our name under the
caption &#147;Legal Matters&#148; in the Supplement forming a part of the Registration Statement. In giving
this consent, we do not thereby admit that we come within the category of persons whose consent is
required under Section&nbsp;7 of the Securities Act or the rules and regulations of the SEC promulgated
thereunder.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">Respectfully submitted,
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">/S/ MANATT, PHELPS &#038; PHILLIPS, LLP
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">Manatt, Phelps &#038; Phillips, LLP
</DIV>



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



</BODY>
</HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>5
<FILENAME>v56465exv99w1.htm
<DESCRIPTION>EX-99.1
<TEXT>
<HTML>
<HEAD>
<TITLE>exv99w1</TITLE>
</HEAD>
<BODY bgcolor="#FFFFFF">
<!-- PAGEBREAK -->

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

<DIV align="right" 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">Exhibit&#160;99.1</FONT></B>
</DIV>

<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">Subscription
    Agreement</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: 0%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    Hanmi Financial Corporation
</DIV>

<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">
    3660 Wilshire Boulevard
</DIV>

<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">
    Penthouse A
</DIV>

<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">
    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: 0%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    Ladies and Gentlemen:
</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 undersigned (the &#147;<U>Investor</U>&#148;) hereby
    confirms and agrees with Hanmi Financial Corporation, a Delaware
    corporation (the &#147;<U>Company</U>&#148;), as follows:
</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>1.&#160;</B>As of the Closing (as defined below) and subject
    to the terms and conditions hereof, the Investor will purchase
    from the Company and the Company will issue and sell to the
    Investor (i)&#160;such number of shares (the
    &#147;<U>Shares</U>&#148;) of common stock of the Company, par
    value $0.001 per share (the &#147;<U>Common Stock</U>&#148;), as
    is set forth on the signature page hereto (the
    &#147;<U>Signature Page</U>&#148;) for a purchase price of $1.20
    per Share.
</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>2.&#160;</B>The closing is expected to occur on or about
    July&#160;&#160;&#160;, 2010 (the &#147;<U>Closing</U>&#148;),
    subject to the satisfaction of certain closing conditions set
    forth in the Placement Agency Agreement dated as of
    June&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;,
    2010 (the &#147;<U>Placement Agency Agreement</U>&#148;) entered
    into by and between the Company and Cappello Capital Corp., the
    placement agent (the &#147;<U>Placement</U> <U>Agent</U>&#148;)
    for the Offering (as defined below).
</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>3.&#160;</B>The offering and sale of the Shares (the
    &#147;<U>Offering</U>&#148;) is being made pursuant to
    (i)&#160;an effective registration statement (the
    &#147;<U>Registration Statement</U>&#148;) on
    <FONT style="white-space: nowrap">Form&#160;S-3</FONT>
    (File
    <FONT style="white-space: nowrap">No.&#160;333-163206),</FONT>
    including the prospectus contained therein (the &#147;<U>Base
    Prospectus</U>&#148;), filed with the Securities and Exchange
    Commission (the &#147;<U>Commission</U>&#148;) on
    November&#160;19, 2009, (ii)&#160;if applicable, a preliminary
    prospectus related to the Offering (together with the Base
    Prospectus, the &#147;<U>Statutory Prospectus</U>&#148;),
    (iii)&#160;a final prospectus supplement (the
    &#147;<U>Prospectus Supplement</U>&#148;) containing certain
    supplemental information regarding the Shares and terms of the
    Offering. The Statutory Prospectus has been delivered to the
    Investor on or prior to the date hereof and will be filed with
    the Commission in accordance with applicable securities laws.
    The Statutory Prospectus, together with the documents
    incorporated by reference therein and the pricing information
    contained in this Subscription Agreement are collectively
    referred to herein as the &#147;<U>Disclosure Package</U>.&#148;
</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>4.&#160;</B>The Company&#146;s obligation to issue and sell
    the Shares to the Investor shall be subject to (a)&#160;the
    receipt by the Company of the purchase price for the Shares
    being purchased hereunder as set forth on the Signature Page,
    (b)&#160;the accuracy of the representations and warranties made
    by the Investor herein, (c)&#160;the fulfillment of those
    undertakings herein of the Investor to be fulfilled prior to the
    Closing Date, and (d)&#160;the receipt by the Placement Agent of
    the New Account Form, attached as <U>Appendix A</U> (the
    &#147;<U>New Account Form</U>&#148;), completed to the
    satisfaction of the Placement Agent. The Investor&#146;s
    obligation to purchase the Shares shall be subject to the
    condition that the Placement Agent shall not have
    (i)&#160;terminated the Placement Agency Agreement pursuant to
    the terms thereof or (ii)&#160;determined that the conditions to
    closing in the Placement Agency Agreement have not 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">
    <B>5.&#160;</B>In consultation with the Placement Agent, the
    Company shall promptly issue a press release and file a Current
    Report on
    <FONT style="white-space: nowrap">Form&#160;8-K,</FONT>
    together disclosing all material aspects of the transactions
    contemplated hereby, after the Closing. The Company shall not
    identify the Investor by name in any press release or public
    filing, or otherwise publicly disclose the Investor&#146;s name,
    without the Investor&#146;s prior written consent, unless
    required by applicable laws, rules and regulations.
</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>6.&#160;</B>The Investor represents that (i)&#160;it has had
    full access to the Disclosure Package prior to or in connection
    with its receipt of this Subscription Agreement and is relying
    only on such information and documents in making its decision to
    purchase the Shares, (ii)&#160;it is acquiring the Shares for
    its own account, or an account over which it has investment
    discretion, and does not have any agreement or understanding,
    directly or indirectly, with any person or entity to distribute
    any of the Shares, and (iii)&#160;the information set forth in
    the New Account Form is true and accurate and does not omit to
    state a material fact required to be stated therein or necessary
    in order to make the statements therein not misleading.
</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>7.&#160;</B>The Investor has full right, power, authority and
    capacity to enter into this Subscription Agreement and to
    consummate the transactions contemplated hereby and has taken
    all necessary action to authorize the execution,
</DIV>
<!-- XBRL Paragraph Pagebreak -->
<!-- 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="left" style="margin-left: 0%; margin-right: 0%; text-indent: 0%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    delivery and performance of this Subscription Agreement, and
    (b)&#160;this Subscription Agreement constitutes a valid and
    binding obligation of the Investor enforceable against the
    Investor in accordance with its terms, except as enforceability
    may be limited by applicable bankruptcy, insolvency,
    reorganization, moratorium or similar laws affecting
    creditors&#146; and contracting parties&#146; rights generally
    and except as enforceability may be subject to general
    principles of equity (regardless of whether such enforceability
    is considered in a proceeding in equity or at law) and except as
    to the enforceability of any rights to indemnification or
    contribution that may be violative of the public policy
    underlying any law, rule or regulation (including any federal or
    state securities law, rule or regulation).
</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>8.&#160;</B>The Investor agrees that it will not use any of
    the Shares acquired pursuant to this Agreement to cover any
    short position in the Common Stock in any Short Sales (as
    defined below) if doing so would be in violation of applicable
    securities laws. For purposes hereof, &#147;Short Sales&#148;
    include, without limitation, all &#147;short sales&#148; as
    defined in Rule&#160;200 promulgated under Regulation&#160;SHO
    under the Exchange Act of 1934, as amended (the
    &#147;<U>Exchange Ac</U>t&#148;), whether or not against the
    box, and all types of direct and indirect stock pledges, forward
    sales contracts, options, puts, calls, short sales, swaps,
    &#147;put equivalent positions&#148; (as defined in Rule
    16a-1(h) under the Exchange Act) and similar arrangements
    (including on a total return basis), and sales and other
    transactions through non-US broker dealers or foreign regulated
    brokers.
</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>9.&#160;</B>The Investor represents that, except as set forth
    on the signature page, (i)&#160;it has had no position, office
    or other material relationship within the past three years with
    the Company or persons known to it to be affiliates of the
    Company, (ii)&#160;it is not a, and it has no direct or indirect
    affiliation or association with any, FINRA member or an
    Associated Person (as such term is defined under FINRA
    Membership and Registration Rules&#160;Section&#160;1011(b)) as
    of the date hereof, and (iii)&#160;neither it nor any of its
    affiliates nor any group of investors of which it is a member or
    of which it has agreed to act in concert, acquired, or obtained
    the right to acquire, or shall own or control following
    consummation of the transactions contemplated hereby, 4.9% or
    more of the Common Stock (or securities convertible or
    exercisable for Common Stock) or the voting power of the Company
    on a post-transaction basis.
</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>10.&#160;</B>The Placement Agency Agreement contains
    representations and warranties of the Company, all of which may
    be relied upon by the Investor, which shall be a third party
    beneficiary thereof.
</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>11.&#160;</B>This Subscription Agreement will involve no
    obligation or commitment of any kind until this Subscription
    Agreement is accepted and countersigned by or on behalf of the
    Company. The Investor acknowledges and agrees that the
    Investor&#146;s receipt of the Company&#146;s counterpart to
    this Subscription Agreement shall constitute written
    confirmation of the Company&#146;s sale of Shares to such
    Investor.
</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>12.&#160;</B>All covenants, agreements, representations and
    warranties herein will survive the execution of this
    Subscription Agreement, the delivery of the Shares being
    purchased and the payment therefor.
</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>13.&#160;</B>This Subscription Agreement may not be modified
    or amended except pursuant to an instrument in writing signed by
    the Company and the Investor. This Subscription Agreement will
    be governed by the internal laws of the State of California,
    without giving effect to the principles of conflicts of law.
    This Subscription Agreement may be executed in one or more
    counterparts, each of which will constitute an original, but all
    of which, when taken together, will constitute but one
    instrument, and signatures may be delivered by facsimile or by
    <FONT style="white-space: nowrap">e-mail</FONT>
    delivery of a &#147;.pdf&#148; format data file. Capitalized
    terms used but not defined herein shall have the meanings
    ascribed to such terms in the Placement Agency Agreement.
</DIV>

<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">[Signature
    page follows]</FONT></B>
</DIV>
<!-- XBRL Pagebreak Begin -->

<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">&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">INVESTOR
    SIGNATURE PAGE</FONT></B>
</DIV>

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

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

<TR>
    <TD width="15%"></TD>
    <TD width="85%"></TD>
</TR>

<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>    Number&#160;of&#160;Shares:</TD>
    <TD valign="bottom" align="left">
    <DIV style="font-size: 0pt; margin-left: 0%; width: 100%;  align: left; border-bottom: 1pt solid #000000"></DIV>
</TD>
</TR>

</TABLE>

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



<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">
    Purchase Price Per Share:&#160;&#160;$1.20
</DIV>

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

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

<TR>
    <TD width="31%"></TD>
    <TD width="69%"></TD>
</TR>

<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>    Aggregate Purchase
    Price:&#160;&#160;$&#160;&#160;&#160;&#160;&#160;</TD>
    <TD valign="bottom" align="left">
    <DIV style="font-size: 0pt; margin-left: 0%; width: 100%;  align: left; border-bottom: 1pt solid #000000"></DIV>
</TD>
</TR>

</TABLE>

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



<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">
    Please confirm that the foregoing correctly sets forth the
    agreement between us by signing in the space provided below for
    that purpose.
</DIV>

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

<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">
    Dated as
    of:&#160;&#160;<FONT style="word-spacing: 120pt; white-space: nowrap; font-size: 1pt; color: #000000"><U>&#173;
    &#173;</U></FONT>, 2010
</DIV>

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

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

<TR>
    <TD width="20%"></TD>
    <TD width="80%"></TD>
</TR>

<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>    NAME&#160;OF&#160;INVESTOR:</TD>
    <TD valign="bottom" align="left">
    <DIV style="font-size: 0pt; margin-left: 0%; width: 100%;  align: left; border-bottom: 1pt solid #000000"></DIV>
</TD>
</TR>

</TABLE>

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

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

<TR>
    <TD width="3%"></TD>
    <TD width="97%"></TD>
</TR>

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

</TD>
</TR>

</TABLE>

<DIV style="font-size: 2pt; margin-left: 3%; width: 43%;  align: left; border-bottom: 1pt solid #000000"></DIV>

<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">
    Name:
</DIV>

<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">
    Title:
</DIV>

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

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

<TR>
    <TD width="44%"></TD>
    <TD width="56%"></TD>
</TR>

<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>    Exact name in which Shares are to be registered:</TD>
    <TD valign="bottom" align="left">
    <DIV style="font-size: 0pt; margin-left: 0%; width: 100%;  align: left; border-bottom: 1pt solid #000000"></DIV>
</TD>
</TR>

</TABLE>

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

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

<TR>
    <TD width="29%"></TD>
    <TD width="71%"></TD>
</TR>

<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>    Taxpayer Identification Number:</TD>
    <TD valign="bottom" align="left">
    <DIV style="font-size: 0pt; margin-left: 0%; width: 100%;  align: left; border-bottom: 1pt solid #000000"></DIV>
</TD>
</TR>

</TABLE>

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



<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">
    DWAC Instructions for the Shares:
</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="66%">&nbsp;</TD>	<!-- colindex=01 type=maindata -->
    <TD width="2%">&nbsp;</TD>	<!-- colindex=02 type=gutter -->
    <TD width="32%">&nbsp;</TD>	<!-- colindex=02 type=maindata -->
</TR>
<!-- Table Width Row END -->
<!-- TableOutputHead -->
<!-- TableOutputBody -->
<TR valign="bottom" style="line-height: 12pt">
<TD>
&nbsp;
</TD>
<TD>
&nbsp;
</TD>
<TD>
&nbsp;
</TD>
</TR>
<TR valign="bottom">
<TD align="left" valign="bottom">
    Name of DTC Participant (broker-dealer at which the account or
    accounts to be credited with the Shares are maintained)
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="center" valign="bottom">

</TD>
</TR>
<TR valign="bottom" style="line-height: 12pt">
<TD>
&nbsp;
</TD>
<TD>
&nbsp;
</TD>
<TD style="border-top: 1px solid #000000">
&nbsp;
</TD>
</TR>
<TR valign="bottom">
<TD align="left" valign="bottom">
    DTC Participant Number
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="center" valign="bottom">

</TD>
</TR>
<TR valign="bottom" style="line-height: 12pt">
<TD>
&nbsp;
</TD>
<TD>
&nbsp;
</TD>
<TD style="border-top: 1px solid #000000">
&nbsp;
</TD>
</TR>
<TR valign="bottom">
<TD align="left" valign="bottom">
    Name of Account at DTC Participant being credited with the Shares
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="center" valign="bottom">

</TD>
</TR>
<TR valign="bottom" style="line-height: 12pt">
<TD>
&nbsp;
</TD>
<TD>
&nbsp;
</TD>
<TD style="border-top: 1px solid #000000">
&nbsp;
</TD>
</TR>
<TR valign="bottom">
<TD align="left" valign="bottom">
    Account Number at DTC Participant being credited with the Shares
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="center" valign="bottom">

</TD>
</TR>
<TR valign="bottom" style="line-height: 12pt">
<TD>
&nbsp;
</TD>
<TD>
&nbsp;
</TD>
<TD style="border-top: 1px solid #000000">
&nbsp;
</TD>
</TR>
<TR valign="bottom">
<TD align="left" valign="bottom">
    Person to contact to initiate DWAC at closing:
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="center" 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>

<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="15%">&nbsp;</TD>	<!-- colindex=01 type=maindata -->
    <TD width="1%">&nbsp;</TD>	<!-- colindex=02 type=gutter -->
    <TD width="84%">&nbsp;</TD>	<!-- colindex=02 type=maindata -->
</TR>
<!-- Table Width Row END -->
<!-- TableOutputHead -->
<!-- TableOutputBody -->
<TR valign="bottom">
<TD nowrap align="left" valign="bottom">
<DIV style="text-indent: -10pt; margin-left: 10pt">
    Name:
</DIV>
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="center" valign="bottom">
    <DIV style="font-size: 0pt; margin-left: 0%; width: 100%; border-bottom: 1pt solid #000000"></DIV>
</TD>
</TR>
<TR valign="bottom">
<TD nowrap align="left" valign="bottom">
<DIV style="text-indent: -10pt; margin-left: 10pt">
    Tel:
</DIV>
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="center" valign="bottom">
    <DIV style="font-size: 0pt; margin-left: 0%; width: 100%; border-bottom: 1pt solid #000000"></DIV>
</TD>
</TR>
<TR valign="bottom">
<TD nowrap align="left" valign="bottom">
<DIV style="text-indent: -10pt; margin-left: 10pt">
    Email:
</DIV>
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="center" valign="bottom">
    <DIV style="font-size: 0pt; margin-left: 0%; width: 100%; border-bottom: 1pt solid #000000"></DIV>
</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: 12pt; font-size: 1pt">&nbsp;</DIV>

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

<TR>
    <TD width="27%"></TD>
    <TD width="73%"></TD>
</TR>

<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>    EXCEPTIONS&#160;TO&#160;SECTION&#160;9:</TD>
    <TD valign="bottom" align="left">
    <DIV style="font-size: 0pt; margin-left: 0%; width: 100%;  align: left; border-bottom: 1pt solid #000000"></DIV>
</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">
    (If no exceptions, write &#147;none.&#148; If left blank,
    response will be deemed to be &#147;none.&#148;)
</DIV>

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

<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">
    Agreed and Accepted
    this&#160;<FONT style="word-spacing: 25pt; white-space: nowrap; font-size: 1pt; color: #000000"><U>&#173;
    &#173;</U></FONT> day
    of&#160;<FONT style="word-spacing: 25pt; white-space: nowrap; font-size: 1pt; color: #000000"><U>&#173;
    &#173;</U></FONT>, 2010:
</DIV>

<DIV style="margin-top: 24pt; font-size: 1pt">&nbsp;</DIV>

<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">
    HANMI FINANCIAL CORPORATION
</DIV>

<DIV style="margin-top: 24pt; font-size: 1pt">&nbsp;</DIV>

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

<TR>
    <TD width="3%"></TD>
    <TD width="97%"></TD>
</TR>

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

</TD>
</TR>

</TABLE>

<DIV style="font-size: 2pt; margin-left: 3%; width: 43%;  align: left; border-bottom: 1pt solid #000000"></DIV>

<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">
    Name:
</DIV>

<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">
    Title:
</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 -->
</BODY>
</HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.2
<SEQUENCE>6
<FILENAME>v56465exv99w2.htm
<DESCRIPTION>EX-99.2
<TEXT>
<HTML>
<HEAD>
<TITLE>exv99w2</TITLE>
</HEAD>
<BODY bgcolor="#FFFFFF">
<!-- PAGEBREAK -->

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

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

<DIV align="right" 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">Exhibit
    99.2</FONT></B>
</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="v56465v5645803.gif" alt=""><B> </B>
</DIV>

<DIV style="margin-top: 3pt; 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><U><FONT style="font-family: 'Times New Roman', Times">New
    Account Form:</FONT></U></B>
</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="96%"></TD>
</TR>

<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>    <FONT style="font-size: 8pt">Name:
    </FONT></TD>
    <TD valign="bottom" align="left">
    <DIV style="font-size: 0pt; margin-left: 0%; width: 100%;  align: left; border-bottom: 1pt solid #000000"></DIV>
</TD>
</TR>

</TABLE>

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

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

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 0%; font-size: 8pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    If a Corporation, Partnership, etc., enter the names of persons
    authorized to transact business:
</DIV>

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

<TR>
    <TD width="16%"></TD>
    <TD width="84%"></TD>
</TR>

<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>    <FONT style="font-size: 8pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1
    </FONT>
</TD>
    <TD valign="bottom" align="left">    <DIV style="font-size: 2pt; margin-left: 0%; width: 100%;  align: left; border-bottom: 1pt solid #000000"></DIV>
</TD>
</TR>

<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>    <FONT style="font-size: 8pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2
    </FONT>
</TD>
    <TD valign="bottom" align="left">    <DIV style="font-size: 2pt; margin-left: 0%; width: 100%;  align: left; border-bottom: 1pt solid #000000"></DIV>
</TD>
</TR>

</TABLE>

<DIV style="margin-top: 2pt; font-size: 1pt">&nbsp;</DIV>

<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">
    <FONT style="font-size: 8pt">Employer/Office Address:
    </FONT>
</DIV>

<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">
    <FONT style="font-size: 8pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<FONT style="word-spacing: 500pt; white-space: nowrap; font-size: 1pt; color: #000000"><U>&#173;
    &#173;</U></FONT>
    </FONT>
</DIV>

<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">
    <FONT style="font-size: 8pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<FONT style="word-spacing: 500pt; white-space: nowrap; font-size: 1pt; color: #000000"><U>&#173;
    &#173;</U></FONT>
    </FONT>
</DIV>

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

<TR>
    <TD width="8%"></TD>
    <TD width="92%"></TD>
</TR>

<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>    <FONT style="font-size: 8pt">Occupation:
    </FONT></TD>
    <TD valign="bottom" align="left">
    <DIV style="font-size: 2pt; margin-left: 0%; width: 100%;  align: left; border-bottom: 1pt solid #000000"></DIV>
</TD>
</TR>

</TABLE>

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

<TABLE border="0" width="100%" align="center" cellpadding="0" cellspacing="0" style="font-size: 8pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
<!-- Table Width Row BEGIN -->
<TR style="font-size: 1pt" valign="bottom">
    <TD width="50%">&nbsp;</TD>	<!-- colindex=01 type=maindata -->
    <TD width="1%">&nbsp;</TD>	<!-- colindex=02 type=gutter -->
    <TD width="49%">&nbsp;</TD>	<!-- colindex=02 type=maindata -->
</TR>
<!-- Table Width Row END -->
<!-- TableOutputHead -->
<!-- TableOutputBody -->
<TR valign="bottom">
<TD align="left" valign="bottom">
<DIV style="text-indent: -8pt; margin-left: 8pt">
    Business Phone and Fax:
    <FONT style="word-spacing: 100pt; white-space: nowrap; font-size: 1pt; color: #000000"><U>&#173;
    &#173;</U></FONT>
</DIV>
</TD>
<TD>
&nbsp;
</TD>
<TD align="center" valign="bottom">
     Fax
    <FONT style="word-spacing: 100pt; white-space: nowrap; font-size: 1pt; color: #000000"><U>&#173;
    &#173;</U></FONT>
</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" 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="font-size: 8pt">Home Address:
    </FONT>
</DIV>

<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">
    <FONT style="font-size: 8pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<FONT style="word-spacing: 500pt; white-space: nowrap; font-size: 1pt; color: #000000"><U>&#173;
    &#173;</U></FONT>
    </FONT>
</DIV>

<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">
    <FONT style="font-size: 8pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<FONT style="word-spacing: 500pt; white-space: nowrap; font-size: 1pt; color: #000000"><U>&#173;
    &#173;</U></FONT>
    </FONT>
</DIV>

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

<TABLE border="0" width="100%" align="center" cellpadding="0" cellspacing="0" style="font-size: 8pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
<!-- Table Width Row BEGIN -->
<TR style="font-size: 1pt" valign="bottom">
    <TD width="17%">&nbsp;</TD>	<!-- colindex=01 type=maindata -->
    <TD width="1%">&nbsp;</TD>	<!-- colindex=02 type=gutter -->
    <TD width="82%">&nbsp;</TD>	<!-- colindex=02 type=maindata -->
</TR>
<!-- Table Width Row END -->
<!-- TableOutputHead -->
<!-- TableOutputBody -->
<TR valign="bottom">
<TD align="left" valign="bottom">
<DIV style="text-indent: -8pt; margin-left: 8pt">
    Home Phone and Fax:
</DIV>
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="bottom">
    <DIV style="font-size: 0pt; margin-left: 0%; width: 100%; border-bottom: 1pt solid #000000"></DIV>
</TD>
</TR>
<TR valign="bottom">
<TD nowrap align="left" valign="bottom">
&nbsp;
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="bottom">
&nbsp;
</TD>
</TR>
<TR valign="bottom" style="font-size: 2pt">
<TD nowrap align="left" valign="bottom">
&nbsp;
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="bottom">
    <DIV style="font-size: 0pt; margin-left: 0%; width: 100%; border-bottom: 1pt solid #000000"></DIV>
</TD>
</TR>
<TR valign="bottom" style="line-height: 8pt">
<TD>
&nbsp;
</TD>
<TD>
&nbsp;
</TD>
<TD>
&nbsp;
</TD>
</TR>
<TR valign="bottom">
<TD nowrap align="left" valign="bottom">
<DIV style="text-indent: -8pt; margin-left: 8pt">
    Email address:
</DIV>
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="bottom">
    <DIV style="font-size: 0pt; margin-left: 0%; width: 100%; border-bottom: 1pt solid #000000"></DIV>
</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>

<TABLE border="0" width="100%" align="center" cellpadding="0" cellspacing="0" style="font-size: 8pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
<!-- Table Width Row BEGIN -->
<TR style="font-size: 1pt" valign="bottom">
    <TD width="48%">&nbsp;</TD>	<!-- colindex=01 type=maindata -->
    <TD width="22%">&nbsp;</TD>	<!-- colindex=02 type=gutter -->
    <TD width="2%">&nbsp;</TD>	<!-- colindex=02 type=maindata -->
    <TD width="1%">&nbsp;</TD>	<!-- colindex=03 type=gutter -->
    <TD width="12%">&nbsp;</TD>	<!-- colindex=03 type=maindata -->
    <TD width="1%">&nbsp;</TD>	<!-- colindex=04 type=gutter -->
    <TD width="1%">&nbsp;</TD>	<!-- colindex=04 type=maindata -->
    <TD width="1%">&nbsp;</TD>	<!-- colindex=05 type=gutter -->
    <TD width="12%">&nbsp;</TD>	<!-- colindex=05 type=maindata -->
</TR>
<!-- Table Width Row END -->
<!-- TableOutputHead -->
<!-- TableOutputBody -->
<TR valign="bottom">
<TD align="left" valign="bottom">
<DIV style="text-indent: -8pt; margin-left: 8pt">
    Is Customer associated with or employed by a Broker Dealer?
</DIV>
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="bottom">
    Yes
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="bottom">
    <DIV style="font-size: 2pt; margin-left: 0%; width: 100%; border-bottom: 1pt solid #000000"></DIV>
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="bottom">
    No
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="bottom">
    <DIV style="font-size: 2pt; margin-left: 0%; width: 100%; border-bottom: 1pt solid #000000"></DIV>
</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" 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="font-size: 8pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;if
    yes, name and address:
    </FONT>
</DIV>

<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">
    <FONT style="font-size: 8pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<FONT style="word-spacing: 500pt; white-space: nowrap; font-size: 1pt; color: #000000"><U>&#173;
    &#173;</U></FONT>
    </FONT>
</DIV>

<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">
    <FONT style="font-size: 8pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<FONT style="word-spacing: 500pt; white-space: nowrap; font-size: 1pt; color: #000000"><U>&#173;
    &#173;</U></FONT>
    </FONT>
</DIV>

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

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

<TR>
    <TD width="23%"></TD>
    <TD width="77%"></TD>
</TR>

<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>    <FONT style="font-size: 8pt">Social Security No./Tax I.D.
    No.:&#160;
    </FONT></TD>
    <TD valign="bottom" align="left">
    <DIV style="font-size: 0pt; margin-left: 0%; width: 100%;  align: left; border-bottom: 1pt solid #000000"></DIV>
</TD>
</TR>

</TABLE>

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

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

<TR>
    <TD width="14%"></TD>
    <TD width="86%"></TD>
</TR>

<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>    <FONT style="font-size: 8pt">Citizen of (if indiv.):&#160;
    </FONT></TD>
    <TD valign="bottom" align="left">
    <DIV style="font-size: 0pt; margin-left: 0%; width: 100%;  align: left; border-bottom: 1pt solid #000000"></DIV>
</TD>
</TR>

</TABLE>

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

<TABLE border="0" width="100%" align="center" cellpadding="0" cellspacing="0" style="font-size: 8pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
<!-- Table Width Row BEGIN -->
<TR style="font-size: 1pt" valign="bottom">
    <TD width="35%">&nbsp;</TD>	<!-- colindex=01 type=maindata -->
    <TD width="26%">&nbsp;</TD>	<!-- colindex=02 type=gutter -->
    <TD width="2%">&nbsp;</TD>	<!-- colindex=02 type=maindata -->
    <TD width="1%">&nbsp;</TD>	<!-- colindex=03 type=gutter -->
    <TD width="16%">&nbsp;</TD>	<!-- colindex=03 type=maindata -->
    <TD width="1%">&nbsp;</TD>	<!-- colindex=04 type=gutter -->
    <TD width="2%">&nbsp;</TD>	<!-- colindex=04 type=maindata -->
    <TD width="1%">&nbsp;</TD>	<!-- colindex=05 type=gutter -->
    <TD width="16%">&nbsp;</TD>	<!-- colindex=05 type=maindata -->
</TR>
<!-- Table Width Row END -->
<!-- TableOutputHead -->
<!-- TableOutputBody -->
<TR valign="bottom">
<TD align="left" valign="bottom">
<DIV style="text-indent: -8pt; margin-left: 8pt">
    Client of Legal Age? (if individual):
</DIV>
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="bottom">
    Yes
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="bottom">
    <DIV style="font-size: 0pt; margin-left: 0%; width: 100%; border-bottom: 1pt solid #000000"></DIV>
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="bottom">
    No
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="bottom">
    <DIV style="font-size: 0pt; margin-left: 0%; width: 100%; border-bottom: 1pt solid #000000"></DIV>
</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>

<TABLE border="0" width="100%" align="center" cellpadding="0" cellspacing="0" style="font-size: 8pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
<!-- Table Width Row BEGIN -->
<TR style="font-size: 1pt" valign="bottom">
    <TD width="15%">&nbsp;</TD>	<!-- colindex=01 type=maindata -->
    <TD width="1%">&nbsp;</TD>	<!-- colindex=02 type=gutter -->
    <TD width="38%">&nbsp;</TD>	<!-- colindex=02 type=maindata -->
    <TD width="2%">&nbsp;</TD>	<!-- colindex=03 type=gutter -->
    <TD width="5%">&nbsp;</TD>	<!-- colindex=03 type=maindata -->
    <TD width="1%">&nbsp;</TD>	<!-- colindex=04 type=gutter -->
    <TD width="38%">&nbsp;</TD>	<!-- colindex=04 type=maindata -->
</TR>
<!-- Table Width Row END -->
<!-- TableOutputHead -->
<!-- TableOutputBody -->
<TR valign="bottom">
<TD nowrap align="center" valign="bottom">
<DIV style="text-indent: -8pt; margin-left: 8pt">
    Bank Reference:
</DIV>
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="center" valign="bottom">
    <DIV style="font-size: 0pt; margin-left: 0%; width: 100%; border-bottom: 1pt solid #000000"></DIV>
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="center" valign="bottom">
    Branch:
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="center" valign="bottom">
    <DIV style="font-size: 0pt; margin-left: 0%; width: 100%; border-bottom: 1pt solid #000000"></DIV>
</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>

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

<TR>
    <TD width="28%"></TD>
    <TD width="72%"></TD>
</TR>

<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>    <FONT style="font-size: 8pt">Approx. Annual Income (if
    individual):&#160;
    </FONT></TD>
    <TD valign="bottom" align="left">
    <DIV style="font-size: 0pt; margin-left: 0%; width: 100%;  align: left; border-bottom: 1pt solid #000000"></DIV>
</TD>
</TR>

</TABLE>

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

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

<TR>
    <TD width="32%"></TD>
    <TD width="68%"></TD>
</TR>

<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>    <FONT style="font-size: 8pt">Approx. Net Worth (or Net Assets of
    Corp.):&#160;
    </FONT></TD>
    <TD valign="bottom" align="left">
    <DIV style="font-size: 0pt; margin-left: 0%; width: 100%;  align: left; border-bottom: 1pt solid #000000"></DIV>
</TD>
</TR>

</TABLE>

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

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

<TR>
    <TD width="25%"></TD>
    <TD width="75%"></TD>
</TR>

<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>    <FONT style="font-size: 8pt">Estimated Tax Rate (if
    individual):&#160;
    </FONT></TD>
    <TD valign="bottom" align="left">
    <DIV style="font-size: 0pt; margin-left: 0%; width: 100%;  align: left; border-bottom: 1pt solid #000000"></DIV>
</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: 0%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <FONT style="font-size: 8pt">Objective of Account:
    </FONT>
</DIV>

<TABLE border="0" width="100%" align="center" cellpadding="0" cellspacing="0" style="font-size: 8pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
<!-- Table Width Row BEGIN -->
<TR style="font-size: 1pt" valign="bottom">
    <TD width="18%">&nbsp;</TD>	<!-- colindex=01 type=maindata -->
    <TD width="1%">&nbsp;</TD>	<!-- colindex=02 type=gutter -->
    <TD width="12%">&nbsp;</TD>	<!-- colindex=02 type=maindata -->
    <TD width="1%">&nbsp;</TD>	<!-- colindex=03 type=gutter -->
    <TD width="68%">&nbsp;</TD>	<!-- colindex=03 type=maindata -->
</TR>
<!-- Table Width Row END -->
<!-- TableOutputHead -->
<!-- TableOutputBody -->
<TR valign="bottom">
<TD nowrap align="left" valign="bottom">
    <DIV style="font-size: 0pt; margin-left: 0%; width: 100%; border-bottom: 1pt solid #000000"></DIV>
</TD>
<TD>
&nbsp;
</TD>
<TD colspan="3" valign="bottom">
    Long Term Growth
</TD>
</TR>
<TR valign="bottom">
<TD nowrap align="left" valign="bottom">
    <DIV style="font-size: 0pt; margin-left: 0%; width: 100%; border-bottom: 1pt solid #000000"></DIV>
</TD>
<TD>
&nbsp;
</TD>
<TD colspan="3" valign="bottom">
    Income
</TD>
</TR>
<TR valign="bottom">
<TD nowrap align="left" valign="bottom">
    <DIV style="font-size: 0pt; margin-left: 0%; width: 100%; border-bottom: 1pt solid #000000"></DIV>
</TD>
<TD>
&nbsp;
</TD>
<TD colspan="3" valign="bottom">
    Speculative Trading
</TD>
</TR>
<TR valign="bottom">
<TD nowrap align="left" valign="bottom">
    <DIV style="font-size: 0pt; margin-left: 0%; width: 100%; border-bottom: 1pt solid #000000"></DIV>
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="bottom">
    Other: Specify
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="bottom">
    <DIV style="font-size: 0pt; margin-left: 0%; width: 100%; border-bottom: 1pt solid #000000"></DIV>
</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 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">
    <FONT style="font-size: 8pt">Prior investment experience in
    limited partnerships and private
    placements:&#160;<FONT style="word-spacing: 100pt; white-space: nowrap; font-size: 1pt; color: #000000"><U>&#173;
    &#173;</U></FONT> years
    </FONT>
</DIV>

<TABLE border="0" width="100%" align="center" cellpadding="0" cellspacing="0" style="font-size: 8pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
<!-- Table Width Row BEGIN -->
<TR style="font-size: 1pt" valign="bottom">
    <TD width="21%">&nbsp;</TD>	<!-- colindex=01 type=maindata -->
    <TD width="1%">&nbsp;</TD>	<!-- colindex=02 type=gutter -->
    <TD width="36%">&nbsp;</TD>	<!-- colindex=02 type=maindata -->
    <TD width="2%">&nbsp;</TD>	<!-- colindex=03 type=gutter -->
    <TD width="3%">&nbsp;</TD>	<!-- colindex=03 type=maindata -->
    <TD width="1%">&nbsp;</TD>	<!-- colindex=04 type=gutter -->
    <TD width="36%">&nbsp;</TD>	<!-- colindex=04 type=maindata -->
</TR>
<!-- Table Width Row END -->
<!-- TableOutputHead -->
<!-- TableOutputBody -->
<TR valign="bottom">
<TD nowrap align="left" valign="bottom">
<DIV style="text-indent: -8pt; margin-left: 8pt">
    Referred By:
</DIV>
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="bottom">
    <DIV style="font-size: 0pt; margin-left: 0%; width: 100%; border-bottom: 1pt solid #000000"></DIV>
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="bottom">
&nbsp;
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="bottom">
&nbsp;
</TD>
</TR>
<TR valign="bottom">
<TD nowrap align="left" valign="bottom">
<DIV style="text-indent: -8pt; margin-left: 8pt">
    Analyst:
</DIV>
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="bottom">
    <DIV style="font-size: 0pt; margin-left: 0%; width: 100%; border-bottom: 1pt solid #000000"></DIV>
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="bottom">
&nbsp;
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="bottom">
&nbsp;
</TD>
</TR>
<TR valign="bottom">
<TD nowrap align="left" valign="bottom">
<DIV style="text-indent: -8pt; margin-left: 8pt">
    Vice President/Associate:
</DIV>
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="bottom">
    <DIV style="font-size: 0pt; margin-left: 0%; width: 100%; border-bottom: 1pt solid #000000"></DIV>
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="bottom">
&nbsp;
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="bottom">
&nbsp;
</TD>
</TR>
<TR valign="bottom">
<TD align="left" valign="bottom">
<DIV style="text-indent: -8pt; margin-left: 8pt">
    Managing Director 1:
</DIV>
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="bottom">
    <DIV style="font-size: 0pt; margin-left: 0%; width: 100%; border-bottom: 1pt solid #000000"></DIV>
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="bottom">
&nbsp;
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="bottom">
&nbsp;
</TD>
</TR>
<TR valign="bottom">
<TD align="left" valign="bottom">
<DIV style="text-indent: -8pt; margin-left: 8pt">
    Managing Director 2:
</DIV>
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="bottom">
    <DIV style="font-size: 0pt; margin-left: 0%; width: 100%; border-bottom: 1pt solid #000000"></DIV>
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="bottom">
    Date:
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="bottom">
    <DIV style="font-size: 0pt; margin-left: 0%; width: 100%; border-bottom: 1pt solid #000000"></DIV>
</TD>
</TR>
<TR valign="bottom" style="line-height: 6pt">
<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 nowrap align="left" valign="bottom">
<DIV style="text-indent: -8pt; margin-left: 8pt">
    Account Approved
</DIV>
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="bottom">
&nbsp;
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="bottom">
&nbsp;
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="bottom">
&nbsp;
</TD>
</TR>
<TR valign="bottom">
<TD colspan="3" valign="bottom">
<DIV style="text-indent: -8pt; margin-left: 40pt">
    By:&#160;<FONT style="word-spacing: 100pt; white-space: nowrap; font-size: 1pt; color: #000000"><U>&#173;
    &#173;</U></FONT>
</DIV>
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="bottom">
    Date:
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="bottom">
    <DIV style="font-size: 0pt; margin-left: 0%; width: 100%; border-bottom: 1pt solid #000000"></DIV>
</TD>
</TR>
<TR valign="bottom">
<TD colspan="3" align="center" valign="bottom">
<DIV style="text-indent: -8pt; margin-left: 8pt">
    (Signature)
</DIV>
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="bottom">
&nbsp;
</TD>
<TD>
&nbsp;
</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 align="center" style="margin-left: 0%; margin-right: 0%; font-size: 8pt; font-family: Arial, Helvetica; color: #000000; background: #FFFFFF">

    <FONT style="font-family: 'Times New Roman', Times">100 Wilshire
    Blvd, Suite&#160;1200, Santa Monica, California 90401<BR>
    Telephone 310.393.6632 Fax 310.393.4838
    </FONT>
</DIV>

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

<DIV align="center" style="margin-left: 0%; margin-right: 0%; font-size: 6pt; font-family: Arial, Helvetica; color: #000000; background: #FFFFFF">

    <B><FONT style="font-family: 'Times New Roman', Times">F1NRA
    &#149; SIPC</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: 0%; font-size: 8pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <FONT style="font-size: 16pt; border-top: 1px solid #000000; padding-top: 0pt; border-right: 1px solid #000000; padding-right: 0pt; border-bottom: 1px solid #000000; padding-bottom: 0pt; border-left: 1px solid #000000; padding-left: 0pt; ">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
    </FONT>
</DIV>

<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">
    <FONT style="font-size: 16pt">&#160;&#160;</FONT><FONT style="font-size: 8pt">Client&#146;s
    name check at website www.treas.gov/ofac
    </FONT>
</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 -->
</BODY>
</HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.3
<SEQUENCE>7
<FILENAME>v56465exv99w3.htm
<DESCRIPTION>EX-99.3
<TEXT>
<HTML>
<HEAD>
<TITLE>exv99w3</TITLE>
</HEAD>
<BODY bgcolor="#FFFFFF">
<!-- PAGEBREAK -->

<DIV style="width: 87%; margin-left: 6%"><!-- BEGIN PAGE WIDTH -->
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<DIV align="right" 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">Exhibit&#160;99.3</FONT></B>
</DIV>

<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">FORM&#160;OF
    INSTRUCTIONS&#160;FOR USE OF HANMI FINANCIAL CORPORATION<BR>
    SUBSCRIPTION RIGHTS CERTIFICATES</FONT></B>
</DIV>

<DIV style="margin-top: 6pt; 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">CONSULT
    THE INFORMATION AGENT, OR<BR>
    YOUR BANK OR BROKER AS TO ANY QUESTIONS</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">
    The following instructions relate to a rights offering (the
    &#147;Rights Offering&#148;) by Hanmi Financial Corporation
    (&#147;we&#148;, &#147;us&#148;, &#147;our&#148; or the
    &#147;Company&#148;) to the holders of record (the
    &#147;Recordholders&#148;) of our common stock (the &#147;Common
    Stock&#148;), as described further in the accompanying
    prospectus supplement dated June&#160;11, 2010 (the
    &#147;Prospectus&#148;). Recordholders of the Common Stock at
    5:00&#160;p.m., New York time, on June&#160;7, 2010 (the
    &#147;Record Date&#148;) are receiving, at no charge,
    non-transferable subscription rights (the &#147;Subscription
    Rights&#148;) to subscribe for and purchase shares of the Common
    Stock. In the Rights Offering, we are offering up to an
    aggregate of 50,000,000&#160;shares of Common Stock to be issued
    in connection with the exercise of the Subscription Rights. Each
    Recordholder will receive one Subscription Right for each share
    of Common Stock that the Recordholder owned on the Record Date.
    Subscription Rights may only be exercised in whole numbers.
</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 Subscription Rights will expire, if not exercised prior to
    5:00&#160;p.m., New York time, on July&#160;6, 2010, unless we
    extend the period of the Rights Offering beyond such date (as
    such date may be extended, the &#147;Expiration Date&#148;).
    Each whole Subscription Right entitles the holder to purchase
    one share of Common Stock (the &#147;Basic Subscription
    Privilege&#148;) at a subscription price of $1.20 per full
    share. For example, if you owned 1,000&#160;shares of Common
    Stock on the Record Date, you would receive 1,000 Subscription
    Rights and would have the right to purchase 1,000&#160;shares of
    Common Stock for $1.20 per share pursuant to your Basic
    Subscription Privilege.
</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">
    In addition, each holder of Subscription Rights who exercises
    the Basic Subscription Privilege in full will be eligible to
    subscribe to purchase additional shares of Common Stock, subject
    to the conditions and limitations described further in the
    Prospectus (the &#147;Over-Subscription Privilege&#148;). <B>We
    will not accept any over-subscription requests for less than
    10,000&#160;shares of our common stock, except from our
    non-executive officers and employees from whom we will accept
    over-subscription requests for 1,000 or more shares of our
    common stock. </B>We reserve the right, exercisable in our sole
    discretion, to reject in whole or in part any requests to
    purchase additional shares that we may receive pursuant to the
    Over-Subscription Privilege, regardless of the availability of
    shares to satisfy these requests.
</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 Subscription Rights held by each Recordholder are evidenced
    by a subscription rights certificate (the &#147;Subscription
    Rights Certificate&#148;) registered in the Recordholder&#146;s
    name. Your Subscription Rights are non-transferable, meaning
    that they may not be sold, transferred, or assigned to anyone
    else.
</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 Recordholder will be required to submit payment in full for
    all of the shares of Common Stock that the Recordholder wishes
    to buy under the Basic Subscription Privilege and pursuant to
    the Over-Subscription Privilege before the Expiration 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">
    <B>Any excess subscription payments received by Computershare
    Inc. (the &#147;Subscription Agent&#148;) will be returned,
    without interest or penalty, as soon as practicable following
    the consummation of the Rights Offering, which will not take
    place until the earlier of when we have received total
    subscriptions in the rights offering and the best efforts public
    offering (described further in the Prospectus) of at least
    $105,000,000 in the aggregate, or the closing of the transaction
    with Woori (described further in the Prospectus) (the
    &#147;Escrow Release Date&#148;), or such earlier time as we may
    cancel the rights offering in our sole and absolute discretion.
    If the Escrow Release Date has not occurred on or prior to
    November&#160;15, 2010, we will cancel the rights offering and
    the Subscription Agent will return the subscription payments
    received in the rights offering, without interest or penalty.</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">
    The Subscription Agent must receive your Subscription Rights
    Certificate or a properly completed and delivered Notice of
    Guaranteed Delivery, in either case with full payment of the
    total subscription amount, including final clearance of any
    uncertified personal checks, on or before 5:00&#160;p.m., New
    York time, on the Expiration Date. <U>Once you have exercised
    your Subscription Rights, you cannot cancel, revoke or otherwise
    amend the exercise of your Subscription Rights.</U> If you do
    not exercise your Subscription Rights before the Expiration
    Date, then they will expire and you will have no further rights
    under them.
</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">&nbsp;</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: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    The number of Subscription Rights to which you are entitled and
    the corresponding number of shares of Common Stock that you may
    subscribe to purchase under your Basic Subscription Privilege
    are printed on the face of your Subscription Rights Certificate.
    You should indicate your wishes with regard to the exercise of
    your Subscription Rights, including any shares you wish to
    purchase pursuant to the Over-Subscription Privilege, by
    completing the appropriate portions of your Subscription Rights
    Certificate and returning the Subscription Rights Certificate to
    the Subscription Agent in the envelope provided. Please keep in
    mind that we will not accept over-subscription requests for less
    than 10,000&#160;shares of Common Stock, except from our
    non-executive officers and employees, from whom we will accept
    over-subscription requests for 1,000 or more shares of Common
    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">
    <B>THE SUBSCRIPTION RIGHTS CERTIFICATE, OR NOTICE OF GUARANTEED
    DELIVERY, AND FULL PAYMENT OF THE TOTAL SUBSCRIPTION AMOUNT FOR
    ALL SHARES&#160;OF COMMON STOCK SUBSCRIBED FOR UNDER THE BASIC
    SUBSCRIPTION PRIVILEGE AND ANY ADDITIONAL SHARES&#160;OF COMMON
    STOCK SUBSCRIBED FOR PURSUANT TO THE OVER-SUBSCRIPTION
    PRIVILEGE, INCLUDING FINAL CLEARANCE OF ANY UNCERTIFIED PERSONAL
    CHECKS, MUST BE RECEIVED BY THE SUBSCRIPTION AGENT, ON OR BEFORE
    5:00&#160;P.M., NEW YORK TIME, ON THE EXPIRATION DATE. ONCE A
    RECORDHOLDER HAS EXERCISED ANY SUBSCRIPTION RIGHTS, SUCH
    EXERCISE MAY NOT BE CANCELLED, REVOKED OR OTHERWISE AMENDED.
    SUBSCRIPTION RIGHTS THAT ARE NOT EXERCISED PRIOR TO
    5:00&#160;P.M., NEW&#160;YORK TIME, ON THE EXPIRATION DATE WILL
    EXPIRE.</B>
</DIV>
<!-- XBRL,n -->
<DIV style="margin-top: 12pt; font-size: 1pt">&nbsp;</DIV>

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

<TR>
    <TD width="3%"></TD>
    <TD width="97%"></TD>
</TR>

<TR valign="top">
    <TD>
    <B><FONT style="font-family: 'Times New Roman', Times">1.&#160;&#160;</FONT></B>
</TD>
    <TD>
    <B><FONT style="font-family: 'Times New Roman', Times">Method of
    Subscription&#160;&#151; Exercise of Subscription
    Rights</FONT></B>
</TD>
</TR>

</TABLE>
<!-- XBRL,body -->
<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 exercise your Subscription Rights, complete your Subscription
    Rights Certificate and send the properly completed and executed
    Subscription Rights Certificate evidencing such Subscription
    Rights, together with payment in full of the total required
    subscription amount for all of the shares you intend to purchase
    under your Basic Subscription Privilege and any additional
    shares you wish to subscribe for pursuant to the
    Over-Subscription Privilege, to the Subscription Agent, by no
    later than 5:00&#160;p.m., New York time, on the Expiration
    Date. Your full payment will be held in a segregated account to
    be maintained by our escrow agent, JPMorgan Chase Bank, National
    Association. All payments must be made in U.S.&#160;dollars by
    check or bank draft drawn upon a U.S.&#160;bank payable in each
    case to &#147;Computershare Inc. (acting as subscription agent
    for Hanmi Financial Corporation)&#148;. Payments will be deemed
    to have been received upon clearance of any uncertified personal
    check or receipt by the Subscription Agent of a certified check
    or bank draft drawn upon a U.S.&#160;bank. If you pay by
    uncertified personal check, please note that your payment may
    take five (5)&#160;or more business days to clear. Accordingly,
    if you wish to pay your subscription amount by means of
    uncertified personal check, we urge you to deliver your payment
    to the Subscription Agent sufficiently in advance of the
    Expiration Date to ensure that your payment is received and
    clears by the Expiration Date, and we also urge you to consider
    making your payment by means of a certified or cashier&#146;s
    check.
</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 Subscription Rights Certificate and full payment of the
    total subscription amount must be delivered to the Subscription
    Agent by one of the methods described below:
</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="50%">&nbsp;</TD>	<!-- colindex=01 type=maindata -->
    <TD width="2%">&nbsp;</TD>	<!-- colindex=02 type=gutter -->
    <TD width="48%">&nbsp;</TD>	<!-- colindex=02 type=maindata -->
</TR>
<!-- Table Width Row END -->
<!-- TableOutputHead -->
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<TR valign="bottom">
<TD nowrap align="center" valign="top">
&nbsp;
</TD>
<TD>
&nbsp;
</TD>
<TD align="center" valign="top">
    <I>By Overnight Courier <BR>
    (Until 5:00 pm. New York time on <BR>
    the expiration date of the rights <BR>
    offering subscription period):</I>
</TD>
</TR>
<TR valign="bottom">
<TD align="center" valign="top">
<DIV style="text-indent: -10pt; margin-left: 20pt">
    <I>&#160;&#160;By First Class&#160;Mail:<BR>
    </I>Computershare <BR>
    Corporate Actions Voluntary Offer <BR>
    P.O.&#160;Box&#160;43011 <BR>
    Providence, RI
    <FONT style="white-space: nowrap">02940-3011</FONT>
</DIV>
</TD>
<TD>
&nbsp;
</TD>
<TD align="center" valign="top">
    Computershare <BR>
    Corporate Actions Voluntary Offer <BR>
    250 Royall Street, Suite V <BR>
    Canton, MA 02021
</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>
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    <BR>
    2
</DIV><!-- END PAGE WIDTH -->
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<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 -->
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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">Delivery
    to any address or by a method other than those set forth above
    does not constitute valid delivery.</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">
    If you have any questions, require any assistance in exercising
    your Subscription Rights, or require additional copies of
    relevant documents, please contact the Information Agent,
    Georgeson. Banks and brokers should call (212)440-9800 and
    stockholders should call
    <FONT style="white-space: nowrap">(800)&#160;509-0983.</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">
    By making arrangements with your bank or broker for the delivery
    of funds on your behalf, you may also request such bank or
    broker to exercise the Subscription Rights Certificate on your
    behalf. Alternatively, you may request a member firm of a
    registered national securities exchange or a member of the
    Financial Industry Regulatory Authority, Inc., or a commercial
    bank or trust company having an office or correspondent in the
    United States, or a bank, stockbroker, savings and loan
    association or credit union with membership in an approved
    signature guarantee medallion program, pursuant to
    <FONT style="white-space: nowrap">Rule&#160;17Ad-15</FONT>
    of the Securities Exchange Act of 1934, as amended (each an
    &#147;Eligible Institution&#148;), to deliver a written
    guarantee in the form included with these instructions (the
    &#147;Notice of Guaranteed Delivery&#148;), together with
    payment in full of your total subscription amount, to the
    Subscription Agent by no later than 5:00&#160;p.m., New York
    time, on the Expiration Date. Such Notice of Guaranteed Delivery
    must state your name, the number of Subscription Rights
    represented by your Subscription Rights Certificate, the number
    of shares of Common Stock that you intend to purchase under your
    Basic Subscription Privilege, the number of additional shares of
    Common Stock, if any, that you request to purchase pursuant to
    the Over-Subscription Privilege, and that you will guarantee the
    delivery to the Subscription Agent of a properly completed and
    executed Subscription Rights Certificate evidencing such
    Subscription Rights by no later than three (3)&#160;business
    days after the Expiration Date. If this procedure is followed,
    the properly completed Subscription Rights Certificate
    evidencing the Subscription Rights that you intend to exercise
    must be received by the Subscription Agent within three
    (3)&#160;business days after the Expiration Date. The Notice of
    Guaranteed Delivery may be delivered to the Subscription Agent
    in the same manner as the Subscription Rights Certificate at the
    address set forth above or may be transmitted, if transmitted by
    an Eligible Institution, to the Subscription Agent by facsimile
    transmission to Facsimile No.
    <FONT style="white-space: nowrap">(617)&#160;360-6810.</FONT>
    You should confirm receipt of all facsimile transmissions by
    calling the subscription agent at
    <FONT style="white-space: nowrap">(781)&#160;575-2332.</FONT>
    The information agent will send you additional copies of the
    form of Notice of Guaranteed Delivery if you request them.
    Please call Georgeson, the information agent, to request any
    copies of the form of Notice of Guaranteed Delivery. Banks and
    brokers should call (212)440-9800 and stockholders should call
    <FONT style="white-space: nowrap">(800)&#160;509-0983.</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 you do not indicate the number of Subscription Rights being
    exercised, or do not forward full payment of the total
    subscription amount, then you will be deemed to have exercised
    the maximum number of Subscription Rights that may be exercised
    with the amount of payment that you delivered to the
    Subscription Agent. If the Subscription Agent does not apply
    your full subscription payment to your purchase of shares of
    Common Stock, any excess subscription payments received by the
    Subscription Agent will be returned, without interest or
    penalty, to you as soon as practicable following the Escrow
    Release Date, or such earlier time as we may cancel the rights
    offering in our sole and absolute discretion.
</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">
    Brokers, custodian banks, and other nominee holders of
    Subscription Rights who exercise the Subscription Rights on
    behalf of beneficial owners of Subscription Rights will be
    required to certify to the Company, the Subscription Agent, and
    the Information Agent, with respect to each beneficial owner of
    Subscription Rights (including such nominee itself) on whose
    behalf such nominee holder is acting, as to the aggregate number
    of Subscription Rights that have been exercised and the
    corresponding number of shares of Common Stock subscribed for
    pursuant to the Basic Subscription Privilege and, in connection
    with any subscription request pursuant to the Over-Subscription
    Privilege, the number of shares of Common Stock subscribed for
    pursuant to the Over-Subscription Privilege, <B>and, with
    respect to those beneficial owners that certified to the nominee
    holder that they are an employee or non-executive officer of the
    Company, also listing their names</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">
    We offer no assurance that any subscription requests delivered
    by any holder of Subscription Rights pursuant to the
    Over-Subscription Privilege will actually be honored in whole or
    in part. The availability of shares of Common Stock that may be
    issued by the Company in connection with the Over-Subscription
    Privilege will depend on the number of shares subscribed for by
    Recordholders under the Basic Subscription Privilege and whether
    we elect in our sole discretion to issue any shares of Common
    Stock to accommodate subscription requests pursuant to
</DIV>
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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">&nbsp;</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">
    the Over-Subscription Privilege, all of which is described
    further in the Prospectus. We further reserve the right,
    exercisable in our sole discretion, to reject in whole or in
    part any subscription requests, regardless of the availability
    of shares, which we may receive pursuant to the
    Over-Subscription Privilege. We will not accept any
    over-subscription requests for less than 10,000&#160;shares of
    our common stock, except from our non-executive officers and
    employees from whom we will accept over-subscription requests
    for 1,000 or more shares of our common stock.
</DIV>
<!-- XBRL,n -->
<DIV style="margin-top: 12pt; font-size: 1pt">&nbsp;</DIV>

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

<TR>
    <TD width="3%"></TD>
    <TD width="97%"></TD>
</TR>

<TR valign="top">
    <TD>
    <B><FONT style="font-family: 'Times New Roman', Times">2.&#160;&#160;</FONT></B>
</TD>
    <TD>
    <B><FONT style="font-family: 'Times New Roman', Times">Issuance
    of Common Stock</FONT></B>
</TD>
</TR>

</TABLE>
<!-- XBRL,body -->
<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 deliveries and payments will be made to the
    address shown on the face of your Subscription Rights
    Certificate, unless you provide instructions to the contrary in
    your Subscription Rights Certificate.
</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">
    (a)&#160;<I>Basic Subscription Privilege.</I>&#160;&#160;As soon
    as practicable after the Escrow Release Date and assuming the
    valid exercise of your Subscription Rights, the Subscription
    Agent will credit your account with the shares of Common Stock
    you have purchased pursuant to your Basic Subscription Privilege.
</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)&#160;<I>Over-Subscription Privilege.</I>&#160;&#160;As soon
    as practicable after the Escrow Release Date and after all
    pro-rations and adjustments contemplated by the terms of the
    Rights Offering have been effected, the Subscription Agent will
    credit your account with the shares of Common Stock, if any,
    allocated to you pursuant to validly exercised and accepted
    subscription requests pursuant to the Over-Subscription
    Privilege.
</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">
    (c)&#160;<I>Excess Cash Payments.</I>&#160;&#160;As soon as
    practicable after the Escrow Release Date and after all
    pro-rations and adjustments contemplated by the terms of the
    Rights Offering have been effected, any excess subscription
    payment that you have paid to the Subscription Agent will be
    returned, without interest or penalty, to you.
</DIV>
<!-- XBRL,n -->
<DIV style="margin-top: 12pt; font-size: 1pt">&nbsp;</DIV>

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

<TR>
    <TD width="3%"></TD>
    <TD width="97%"></TD>
</TR>

<TR valign="top">
    <TD>
    <B><FONT style="font-family: 'Times New Roman', Times">3.&#160;&#160;</FONT></B>
</TD>
    <TD>
    <B><FONT style="font-family: 'Times New Roman', Times">Execution</FONT></B>
</TD>
</TR>

</TABLE>
<!-- XBRL,body -->
<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)&#160;<I>Execution by Registered Holder.</I>&#160;&#160;The
    signature on the Subscription Rights Certificate must correspond
    with the name of the registered holder exactly as it appears on
    the face of the Subscription Rights Certificate without any
    alteration or change whatsoever. Persons who sign the
    Subscription Rights Certificate in a representative or other
    fiduciary capacity must indicate their capacity when signing
    and, unless waived by the Subscription Agent in its sole and
    absolute discretion, must present to the Subscription Agent
    satisfactory evidence of their authority to so act.
</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)&#160;<I>Execution by Person Other than Registered
    Holder.</I>&#160;&#160;If the Subscription Rights Certificate is
    executed by a person other than the holder named on the face of
    the Subscription Rights Certificate, proper evidence of
    authority of the person executing the Subscription Rights
    Certificate must accompany the same, unless, for good cause, the
    Subscription Agent dispenses with proof of authority.
</DIV>
<!-- XBRL,n -->
<DIV style="margin-top: 12pt; font-size: 1pt">&nbsp;</DIV>

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

<TR>
    <TD width="3%"></TD>
    <TD width="97%"></TD>
</TR>

<TR valign="top">
    <TD>
    <B><FONT style="font-family: 'Times New Roman', Times">4.&#160;&#160;</FONT></B>
</TD>
    <TD>
    <B><FONT style="font-family: 'Times New Roman', Times">Method of
    Delivery</FONT></B>
</TD>
</TR>

</TABLE>
<!-- XBRL,body -->
<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 method of delivery of Subscription Rights Certificates and
    payment in full of the total subscription amount to the
    Subscription Agent will be at the election and risk of the
    holders of the Subscription Rights. If sent by mail, we
    recommend that you send your Subscription Rights Certificate and
    subscription payment by overnight courier or by registered mail,
    properly insured, with return receipt requested, and that you
    allow a sufficient number of days to ensure delivery to the
    Subscription Agent and clearance of payment prior to the
    Expiration Date. We urge you to consider using a certified or
    cashier&#146;s check to ensure that the Subscription Agent
    receives your funds prior to the Expiration Date. If you send an
    uncertified personal check, payment will not be deemed to have
    been received by the Subscription Agent until the check has
    cleared, which may take five (5)&#160;or more business days, but
    if you send a certified check or a bank draft drawn upon a
    U.S.&#160;bank, payment will be deemed to have been received by
    the Subscription Agent immediately upon receipt of your payment.
    If you wish to pay your subscription payment by means of an
    uncertified personal check, we urge you to deliver your payment
    to the Subscription Agent sufficiently in advance of the
    Expiration Date to ensure that your payment is received and
    clears by the Expiration Date.
</DIV>
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<P align="center" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <BR>
    4
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<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 -->
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<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: Arial, Helvetica; color: #000000; background: #FFFFFF">

<TR>
    <TD width="3%"></TD>
    <TD width="97%"></TD>
</TR>

<TR valign="top">
    <TD>
    <B><FONT style="font-family: 'Times New Roman', Times">5.&#160;&#160;</FONT></B>
</TD>
    <TD>
    <B><FONT style="font-family: 'Times New Roman', Times">Special
    Provisions Relating to the Delivery of Subscription Rights
    through the Depository Trust Company</FONT></B>
</TD>
</TR>

</TABLE>
<!-- XBRL,body -->
<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 the case of Subscription Rights that are held of record
    through The Depository Trust&#160;Company (&#147;DTC&#148;),
    exercises of the Basic Subscription Privilege and any
    subscription requests pursuant to the Over-Subscription
    Privilege may be effected by instructing DTC to transfer the
    Subscription Rights from the DTC account of such holder to the
    DTC account of the Subscription Agent and by delivering to the
    Subscription Agent the required certification as to the number
    of shares of Common Stock subscribed for under the Basic
    Subscription Privilege and the number of any additional shares
    subscribed for pursuant to the Over-Subscription Privilege by
    each beneficial owner of Subscription Rights on whose behalf
    such nominee is acting, together with payment in full of the
    total subscription amount for all of the shares of Common Stock
    subscribed for under the Basic Subscription Privilege and
    pursuant to the Over-Subscription Privilege on behalf of all
    such beneficial owners, and, with respect to those beneficial
    owners that certified to the nominee holder that they are an
    employee or non-executive officer of the Company, also their
    names.
</DIV>
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<P align="center" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <BR>
    5
</DIV><!-- END PAGE WIDTH -->
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</HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.4
<SEQUENCE>8
<FILENAME>v56465exv99w4.htm
<DESCRIPTION>EX-99.4
<TEXT>
<HTML>
<HEAD>
<TITLE>exv99w4</TITLE>
</HEAD>
<BODY bgcolor="#FFFFFF">
<!-- PAGEBREAK -->

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

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

<DIV align="right" 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">Exhibit&#160;99.4</FONT></B>
</DIV>

<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">NOTICE OF
    GUARANTEED DELIVERY<BR>
    </FONT></B>
</DIV>

<DIV style="margin-top: 12pt; 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">FOR
    SUBSCRIPTION RIGHTS CERTIFICATES ISSUED BY<BR>
    </FONT></B>
</DIV>

<DIV style="margin-top: 12pt; 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>

<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 Notice of Guaranteed Delivery must be used to exercise the
    subscription rights (the &#147;Subscription Rights&#148;)
    pursuant to the rights offering (the &#147;Rights
    Offering&#148;) as described in the prospectus supplement dated
    June&#160;11, 2010 (the &#147;Prospectus&#148;) of Hanmi
    Financial Corporation, a Delaware corporation and registered
    bank holding company (the &#147;Company&#148;), if a holder of
    Subscription Rights cannot deliver the certificate evidencing
    the Subscription Rights (the &#147;Subscription Rights
    Certificate&#148;), to the subscription agent listed below (the
    &#147;Subscription Agent&#148;) before 5:00&#160;p.m., New York
    time, on July&#160;6, 2010, (as such date may be extended, the
    &#147;Expiration Date&#148;). This Notice must be delivered by
    facsimile transmission, first class mail, or overnight delivery
    to the Subscription Agent and must be received by the
    Subscription Agent before 5:00&#160;p.m., New York time, on the
    Expiration 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">
    Payment of the subscription price of $1.20 per share of the
    Company&#146;s common stock subscribed for pursuant to the
    exercise of Subscription Rights, including all shares subscribed
    for under the basic subscription privilege and any additional
    shares requested pursuant to the over-subscription privilege,
    must be received by the Subscription Agent in the manner
    specified in the Prospectus before 5:00&#160;p.m., New York
    time, on the Expiration Date even if the Subscription Rights
    Certificate evidencing such Subscription Rights is being
    delivered pursuant to the Guaranteed Delivery Procedures
    hereunder.
</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="29%">&nbsp;</TD>	<!-- colindex=01 type=maindata -->
    <TD width="2%">&nbsp;</TD>	<!-- colindex=02 type=gutter -->
    <TD width="31%">&nbsp;</TD>	<!-- colindex=02 type=maindata -->
    <TD width="2%">&nbsp;</TD>	<!-- colindex=03 type=gutter -->
    <TD width="36%">&nbsp;</TD>	<!-- colindex=03 type=maindata -->
</TR>
<!-- Table Width Row END -->
<!-- TableOutputHead -->
<!-- TableOutputBody -->
<TR valign="bottom">
<TD align="center" valign="top">
    <I>By Facsimile Transmission:<BR>
    </I>(For&#160;Eligible&#160;Institutions&#160;Only)
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="center" valign="top">
    <I>By&#160;First&#160;Class&#160;Mail:</I>
</TD>
<TD>
&nbsp;
</TD>
<TD align="center" valign="top">
    <I>By Overnight Courier <BR>
    (Until 5:00 pm. New York time on<BR>
    the&#160;expiration&#160;date&#160;of&#160;the&#160;rights&#160;offering<BR>
    subscription period):</I>
</TD>
</TR>
<TR valign="bottom">
<TD align="center" valign="top">
    Facsimile transmission to<BR>
    <FONT style="white-space: nowrap">(617)&#160;360-6810</FONT>
</TD>
<TD>
&nbsp;
</TD>
<TD align="center" valign="top">
    Computershare<BR>
    Corporate&#160;Actions&#160;Voluntary&#160;Offer<BR>
    P.O. Box 43011<BR>
    Providence, RI 02940-3011
</TD>
<TD>
&nbsp;
</TD>
<TD align="center" valign="top">
    Computershare          <BR>
    Corporate Actions Voluntary Offer<BR>
    250 Royall Street, Suite V<BR>
    Canton, MA 02021
</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 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 should confirm receipt of all facsimile transmissions by
    calling the subscription agent at
    <FONT style="white-space: nowrap">(781)&#160;575-2332.</FONT>
</DIV>

<DIV style="margin-top: 12pt; 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">
    <I>Telephone Numbers for Information Agent:</I>
</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">
    Banks and Brokers: (212)440-9800
</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">
    Stockholders:
    <FONT style="white-space: nowrap">(800)&#160;509-0983</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">
    <B>DELIVERY OF THIS INSTRUMENT TO AN ADDRESS OTHER THAN AS SET
    FORTH ABOVE OR TRANSMISSION OF THIS INSTRUMENT VIA FACSIMILE
    OTHER THAN AS SET FORTH ABOVE DOES NOT CONSTITUTE A VALID
    DELIVERY.</B>
</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">&nbsp;</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">
    Ladies and Gentlemen:
</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 undersigned hereby represents that the undersigned is the
    holder of a Subscription Rights Certificate
    representing&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
    Subscription Rights and that such Subscription Rights
    Certificate cannot be delivered to the Subscription Agent prior
    to the Expiration Date of the Rights Offering. Upon the terms
    and subject to the conditions set forth in the Prospectus,
    receipt of which is hereby acknowledged, the undersigned hereby
    elects to exercise Subscription Rights represented by the
    Subscription Rights Certificate (i)&#160;to subscribe
    for&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
    shares of the Company&#146;s common stock under the basic
    subscription privilege and (ii)&#160;to request pursuant to the
    over-subscription privilege to
    purchase&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
    additional shares of the Company&#146;s common stock, subject to
    the conditions and limitations described further in the
    Prospectus. <B>The Subscription Agent will not accept any
    over-subscription requests for less than 10,000&#160;shares of
    our common stock, except from our non-executive officers and
    employees from whom we will accept over-subscription requests
    for 1,000 or more shares of our common stock.</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">
    The undersigned understands that payment of the full
    subscription price of $1.20 per share of common stock subscribed
    for under the basic subscription privilege and pursuant to the
    over-subscription privilege must be received by the Subscription
    Agent before 5:00&#160;p.m., New York time, on the Expiration
    Date, and the undersigned hereby represents that such payment,
    in the aggregate amount of $&#160;&#160;&#160;&#160;&#160;,
    either (check appropriate box):
</DIV>

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

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

<TR>
    <TD width="3%"></TD>
    <TD width="97%"></TD>
</TR>

<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>    <FONT style="font-family: Wingdings; font-variant: normal">&#111;</FONT>&#160;&#160;
</TD>
    <TD align="left">    Is being delivered to the Subscription Agent herewith; 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>    <FONT style="font-family: Wingdings; font-variant: normal">&#111;</FONT>&#160;&#160;
</TD>
    <TD align="left">    Has been delivered separately to the Subscription Agent in the
    manner set forth below (check appropriate box and complete the
    information relating thereto):
</TD>
</TR>

</TABLE>

<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="4%"></TD>
    <TD width="92%"></TD>
</TR>

<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>&nbsp;</TD>
    <TD>    <FONT style="font-family: Wingdings; font-variant: normal">&#111;</FONT>&#160;&#160;
</TD>
    <TD align="left">
    Uncertified check (Payment by uncertified check will not be
    deemed to have been received by the Subscription Agent until
    such check has cleared. Holders paying by such means are urged
    to make payment sufficiently in advance of the Expiration Date
    to ensure that such payment clears by such date.)
</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>    <FONT style="font-family: Wingdings; font-variant: normal">&#111;</FONT>&#160;&#160;
</TD>
    <TD align="left">
    Certified check
</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>    <FONT style="font-family: Wingdings; font-variant: normal">&#111;</FONT>&#160;&#160;
</TD>
    <TD align="left">
    Bank draft (cashier&#146;s check)
</TD>
</TR>

</TABLE>

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

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

<TR>
    <TD width="14%"></TD>
    <TD width="86%"></TD>
</TR>

<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>    Name of maker:</TD>
    <TD valign="bottom" align="left">
    <DIV style="font-size: 0pt; margin-left: 0%; width: 100%;  align: left; border-bottom: 1pt solid #000000"></DIV>
</TD>
</TR>

</TABLE>

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

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

<TR>
    <TD width="20%"></TD>
    <TD width="80%"></TD>
</TR>

<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>    Date of check or draft:</TD>
    <TD valign="bottom" align="left">
    <DIV style="font-size: 0pt; margin-left: 0%; width: 100%;  align: left; border-bottom: 1pt solid #000000"></DIV>
</TD>
</TR>

</TABLE>

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

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

<TR>
    <TD width="21%"></TD>
    <TD width="79%"></TD>
</TR>

<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>    Check or draft number:</TD>
    <TD valign="bottom" align="left">
    <DIV style="font-size: 0pt; margin-left: 0%; width: 100%;  align: left; border-bottom: 1pt solid #000000"></DIV>
</TD>
</TR>

</TABLE>

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

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

<TR>
    <TD width="28%"></TD>
    <TD width="72%"></TD>
</TR>

<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>    Bank on which check is drawn:</TD>
    <TD valign="bottom" align="left">
    <DIV style="font-size: 0pt; margin-left: 0%; width: 100%;  align: left; border-bottom: 1pt solid #000000"></DIV>
</TD>
</TR>

</TABLE>

<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">
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<TD>
&nbsp;
</TD>
<TD>
&nbsp;
</TD>
<TD>
&nbsp;
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<TD>
&nbsp;
</TD>
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<TR valign="bottom">
<TD nowrap align="left" valign="top">
<DIV style="text-indent: -10pt; margin-left: 10pt">
    Name(s)
</DIV>
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="top">
    Signature(s):
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="top">
    Address(es):
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="top">
    Telephone No.:
</TD>
</TR>
<TR valign="bottom" style="line-height: 12pt">
<TD>
&nbsp;
</TD>
<TD>
&nbsp;
</TD>
<TD>
&nbsp;
</TD>
<TD>
&nbsp;
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<TD>
&nbsp;
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<TD>
&nbsp;
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<TD>
&nbsp;
</TD>
</TR>
<TR valign="bottom">
<TD nowrap align="left" valign="top">
<DIV style="text-indent: -10pt; margin-left: 10pt">
    &#160;&#160;
</DIV>
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="top">
&nbsp;
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="top">
&nbsp;
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<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="top">
&nbsp;
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<TD style="border-top: 1px solid #000000">
&nbsp;
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&nbsp;
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<TD style="border-top: 1px solid #000000">
&nbsp;
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<TD>
&nbsp;
</TD>
<TD style="border-top: 1px solid #000000">
&nbsp;
</TD>
<TD>
&nbsp;
</TD>
<TD style="border-top: 1px solid #000000">
&nbsp;
</TD>
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<TR valign="bottom" style="line-height: 12pt">
<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 nowrap align="left" valign="top">
<DIV style="text-indent: -10pt; margin-left: 10pt">
    &#160;&#160;
</DIV>
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="top">
&nbsp;
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="top">
&nbsp;
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<TD>
&nbsp;
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<TD nowrap align="left" valign="top">
&nbsp;
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<TD style="border-top: 1px solid #000000">
&nbsp;
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<TD>
&nbsp;
</TD>
<TD style="border-top: 1px solid #000000">
&nbsp;
</TD>
<TD>
&nbsp;
</TD>
<TD style="border-top: 1px solid #000000">
&nbsp;
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<TD>
&nbsp;
</TD>
<TD style="border-top: 1px solid #000000">
&nbsp;
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    <BR>
    2
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<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>

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<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">GUARANTEE
    OF DELIVERY</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">
    The undersigned, a member firm of a registered national
    securities exchange or of the Financial Industry Regulatory
    Authority, Inc., or a commercial bank or trust company having an
    office or correspondent in the United States, or a bank,
    stockbroker, savings and loan association or credit union with
    membership in an approved signature guarantee medallion program,
    pursuant to
    <FONT style="white-space: nowrap">Rule&#160;17Ad-15</FONT>
    of the Securities Exchange Act of 1934, as amended, guarantees
    that the undersigned will deliver to the Subscription Agent the
    Subscription Rights Certificates representing the Subscription
    Rights being exercised hereby, with any required signature
    guarantee and any other required documents, by no later than
    three business days after the Expiration Date of the Rights
    Offering.
</DIV>

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

<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">
    Dated:&#160;<FONT style="word-spacing: 120pt; white-space: nowrap; font-size: 1pt; color: #000000"><U>&#173;
    &#173;</U></FONT>
</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="50%">&nbsp;</TD>	<!-- colindex=01 type=maindata -->
    <TD width="2%">&nbsp;</TD>	<!-- colindex=02 type=gutter -->
    <TD width="48%">&nbsp;</TD>	<!-- colindex=02 type=maindata -->
</TR>
<!-- Table Width Row END -->
<!-- TableOutputHead -->
<!-- TableOutputBody -->
<TR valign="bottom">
<TD nowrap align="center" valign="top">
<DIV style="text-indent: -10pt; margin-left: 50pt">
    &#160;&#160;
</DIV>
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="center" valign="top">
&nbsp;
</TD>
</TR>
<TR valign="bottom" style="font-size: 1pt">
<TD style="border-top: 1px solid #000000">
&nbsp;
</TD>
<TD>
&nbsp;
</TD>
<TD style="border-top: 1px solid #000000">
&nbsp;
</TD>
</TR>
<TR valign="bottom">
<TD nowrap align="center" valign="top">
<DIV style="text-indent: -10pt; margin-left: 10pt">
    <B><FONT style="font-size: 8pt">(Address)</FONT></B>
</DIV>
</TD>
<TD>
&nbsp;
</TD>
<TD align="center" valign="top">
    <B><FONT style="font-size: 8pt">(Name of Firm)</FONT></B>
</TD>
</TR>
<TR valign="bottom">
<TD nowrap align="center" valign="top">
<DIV style="text-indent: -10pt; margin-left: 50pt">
    &#160;&#160;
</DIV>
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="center" valign="top">
&nbsp;
</TD>
</TR>
<TR valign="bottom" style="font-size: 1pt">
<TD style="border-top: 1px solid #000000">
&nbsp;
</TD>
<TD>
&nbsp;
</TD>
<TD style="border-top: 1px solid #000000">
&nbsp;
</TD>
</TR>
<TR valign="bottom">
<TD nowrap align="center" valign="top">
<DIV style="text-indent: -10pt; margin-left: 10pt">
    <B><FONT style="font-size: 8pt">(Telephone Number</FONT></B>
</DIV>
</TD>
<TD>
&nbsp;
</TD>
<TD align="center" valign="top">
    <B><FONT style="font-size: 8pt">(Authorized Signature)
    </FONT></B>
</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 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 institution that completes this form must communicate the
    guarantee to the Subscription Agent and must deliver the
    Subscription Rights Certificate to the Subscription Agent within
    three business days following the Expiration Date of the Rights
    Offering as described in the Prospectus. Failure to do so could
    result in a financial loss to such institution.
</DIV>
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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.5
<SEQUENCE>9
<FILENAME>v56465exv99w5.htm
<DESCRIPTION>EX-99.5
<TEXT>
<HTML>
<HEAD>
<TITLE>exv99w5</TITLE>
</HEAD>
<BODY bgcolor="#FFFFFF">
<!-- PAGEBREAK -->

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

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

<DIV align="right" 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">Exhibit&#160;99.5</FONT></B>
</DIV>

<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">NOMINEE
    HOLDER CERTIFICATION<BR>
    </FONT></B>
</DIV>

<DIV style="margin-top: 12pt; 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<BR>
    </FONT></B>
</DIV>

<DIV style="margin-top: 12pt; 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">Up to
    50,000,000 Shares of Common Stock Issuable Upon the Exercise of
    Subscription<BR>
    </FONT></B>
</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">Rights
    Distributed to the Record Stockholders of Hanmi Financial
    Corporation</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">
    <B>THE TERMS AND CONDITIONS OF THE RIGHTS OFFERING ARE SET FORTH
    IN THE PROSPECTUS SUPPLEMENT OF HANMI FINANCIAL CORPORATION
    DATED JUNE 11, 2010 (THE &#147;PROSPECTUS&#148;).</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">
    The undersigned, a broker, custodian bank, or other nominee
    holder (the &#147;Nominee Holder&#148;) of non-transferable
    subscription rights (the &#147;Rights&#148;) to purchase shares
    of common stock of Hanmi Financial Corporation (the
    &#147;Company&#148;) pursuant to the rights offering described
    and provided for in the Prospectus, hereby certifies to the
    Company, to Computershare Inc., as subscription agent for the
    rights offering, and to Georgeson, as information agent for the
    rights offering, that the undersigned has exercised, on behalf
    of the beneficial owners thereof (which may include the
    undersigned), the rights to purchase the number of shares of
    common stock specified below under the basic subscription
    privilege, and on behalf of beneficial owners of rights who have
    exercised their basic subscription privilege in full, the
    request to purchase the number of additional shares of common
    stock specified below pursuant to the over-subscription
    privilege, the terms of which is described further in the
    Prospectus, listing separately each exercised basic subscription
    privilege and any corresponding over-subscription privilege as
    to each beneficial owner for whom the Nominee Holder is acting
    hereby, <B>and, with respect to those beneficial owners that
    certified to the Nominee Holder that they are an employee or
    non-executive officer of the Company, also listing their
    names</B>:
</DIV>

<DIV style="margin-top: 12pt; 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="23%">&nbsp;</TD>	<!-- colindex=01 type=maindata -->
    <TD width="1%">&nbsp;</TD>	<!-- colindex=02 type=gutter -->
    <TD width="26%">&nbsp;</TD>	<!-- colindex=02 type=maindata -->
    <TD width="1%">&nbsp;</TD>	<!-- colindex=03 type=gutter -->
    <TD width="27%">&nbsp;</TD>	<!-- colindex=03 type=maindata -->
    <TD width="1%">&nbsp;</TD>	<!-- colindex=04 type=gutter -->
    <TD width="21%">&nbsp;</TD>	<!-- colindex=04 type=maindata -->
</TR>
<!-- Table Width Row END -->
<!-- TableOutputHead -->
<TR style="font-size: 8pt" valign="bottom" align="center">
<TD nowrap align="left" valign="bottom">
    <B>Number of Shares Owned<BR>
    </B>
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="center" valign="bottom">
    <B>Number of Shares Subscribed for<BR>
    </B>
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="center" valign="bottom">
    <B>Number of Shares Requested Under<BR>
    </B>
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="center" valign="bottom">
    <B>Employees &#038; Non-Executive<BR>
    </B>
</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom" align="center">
<TD nowrap align="left" valign="bottom">
<DIV style="border-bottom: 1px solid #000000; width: 1%; padding-bottom: 1px">
    <B>on Record Date</B>
</DIV>
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="center" valign="bottom" style="border-bottom: 1px solid #000000">
    <B>Under Basic Subscription Privilege</B>
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="center" valign="bottom" style="border-bottom: 1px solid #000000">
    <B>Over-Subscription Privilege</B>
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="center" valign="bottom" style="border-bottom: 1px solid #000000">
    <B>Officers Names</B>
</TD>
</TR>
<!-- TableOutputBody -->
<TR valign="bottom" style="line-height: 12pt">
<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 nowrap align="left" valign="top">
<DIV style="text-indent: -10pt; margin-left: 10pt">
    &#160;&#160;
</DIV>
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="top">
&nbsp;
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="top">
&nbsp;
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="top">
&nbsp;
</TD>
</TR>
<TR style="font-size: 1pt">
<TD nowrap align="left" valign="top" style="border-top: 1px solid #000000">
&nbsp;
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="top" style="border-top: 1px solid #000000">
&nbsp;
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="top" style="border-top: 1px solid #000000">
&nbsp;
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="top" style="border-top: 1px solid #000000">
&nbsp;
</TD>
</TR>
<TR valign="bottom" style="line-height: 12pt">
<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 nowrap align="left" valign="top">
<DIV style="text-indent: -10pt; margin-left: 10pt">
    &#160;&#160;
</DIV>
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="top">
&nbsp;
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="top">
&nbsp;
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="top">
&nbsp;
</TD>
</TR>
<TR valign="bottom" style="font-size: 1pt">
<TD style="border-top: 1px solid #000000">
&nbsp;
</TD>
<TD>
&nbsp;
</TD>
<TD style="border-top: 1px solid #000000">
&nbsp;
</TD>
<TD>
&nbsp;
</TD>
<TD style="border-top: 1px solid #000000">
&nbsp;
</TD>
<TD>
&nbsp;
</TD>
<TD style="border-top: 1px solid #000000">
&nbsp;
</TD>
</TR>
<TR valign="bottom" style="line-height: 12pt">
<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 nowrap align="left" valign="top">
<DIV style="text-indent: -10pt; margin-left: 10pt">
    &#160;&#160;
</DIV>
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="top">
&nbsp;
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="top">
&nbsp;
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="top">
&nbsp;
</TD>
</TR>
<TR valign="bottom" style="font-size: 1pt">
<TD style="border-top: 1px solid #000000">
&nbsp;
</TD>
<TD>
&nbsp;
</TD>
<TD style="border-top: 1px solid #000000">
&nbsp;
</TD>
<TD>
&nbsp;
</TD>
<TD style="border-top: 1px solid #000000">
&nbsp;
</TD>
<TD>
&nbsp;
</TD>
<TD style="border-top: 1px solid #000000">
&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: 24pt; font-size: 1pt">&nbsp;</DIV>

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

<TR>
    <TD width="32%"></TD>
    <TD width="68%"></TD>
</TR>

<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>    Print Name of the Nominee Holder:</TD>
    <TD valign="bottom" align="left">
    <DIV style="font-size: 0pt; margin-left: 0%; width: 100%;  align: left; border-bottom: 1pt solid #000000"></DIV>
</TD>
</TR>

</TABLE>

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

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

<TR>
    <TD width="3%"></TD>
    <TD width="97%"></TD>
</TR>

<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>    By:</TD>
    <TD valign="bottom" align="left">
    <DIV style="font-size: 0pt; margin-left: 0%; width: 100%;  align: left; border-bottom: 1pt solid #000000"></DIV>
</TD>
</TR>

</TABLE>

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

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

<TR>
    <TD width="18%"></TD>
    <TD width="82%"></TD>
</TR>

<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>    Print Signer&#146;s Name:</TD>
    <TD valign="bottom" align="left">
    <DIV style="font-size: 0pt; margin-left: 0%; width: 100%;  align: left; border-bottom: 1pt solid #000000"></DIV>
</TD>
</TR>

</TABLE>

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

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

<TR>
    <TD width="13%"></TD>
    <TD width="87%"></TD>
</TR>

<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>    Contact Name:</TD>
    <TD valign="bottom" align="left">
    <DIV style="font-size: 0pt; margin-left: 0%; width: 100%;  align: left; border-bottom: 1pt solid #000000"></DIV>
</TD>
</TR>

</TABLE>

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

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

<TR>
    <TD width="21%"></TD>
    <TD width="79%"></TD>
</TR>

<TR valign="top" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <TD>    Contact Phone Number:</TD>
    <TD valign="bottom" align="left">
    <DIV style="font-size: 0pt; margin-left: 0%; width: 100%;  align: left; border-bottom: 1pt solid #000000"></DIV>
</TD>
</TR>

</TABLE>
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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 -->
</BODY>
</HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.6
<SEQUENCE>10
<FILENAME>v56465exv99w6.htm
<DESCRIPTION>EX-99.6
<TEXT>
<HTML>
<HEAD>
<TITLE>exv99w6</TITLE>
</HEAD>
<BODY bgcolor="#FFFFFF">
<!-- PAGEBREAK -->

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

<DIV align="right" 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">Exhibit&#160;99.6</FONT></B>
</DIV>

<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">FORM&#160;OF
    LETTER TO REGISTERED HOLDERS OF COMMON STOCK</FONT></B>
</DIV>

<DIV style="margin-top: 6pt; 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>

<DIV style="margin-top: 6pt; 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">Up to
    50,000,000&#160;Shares of Common Stock To Be Issued Upon
    Exercise of Subscription Rights</FONT></B>
</DIV>

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

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

    <FONT style="font-family: 'Times New Roman', Times">June&#160;11,
    2010
    </FONT>
</DIV>

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

<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">
    Dear Stockholder:
</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 letter is being distributed by Hanmi Financial Corporation
    (&#147;us&#148;, &#147;we&#148;, &#147;our&#148; or the
    &#147;Company&#148;) in connection with the offering (the
    &#147;Rights Offering&#148;) by the Company of shares of our
    common stock (&#147;Common Stock&#148;), which will be issued in
    connection with the exercise of non-transferable subscription
    rights (the &#147;Subscription Rights&#148;), which are being
    distributed to all holders of record of Common Stock as of
    5:00&#160;p.m., New York time, on June&#160;7, 2010 (the
    &#147;Record Date&#148;). The Subscription Rights and the Rights
    Offering are described in the prospectus supplement dated
    June&#160;11, 2010, which is enclosed with this letter (the
    &#147;Prospectus&#148;).
</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">
    In the Rights Offering, we are offering up to an aggregate of
    50,000,000&#160;shares of Common Stock to be issued in
    connection with the exercise of the Subscription Rights, which
    is described further in the Prospectus. The Subscription Rights
    will expire, if not exercised earlier, at 5:00&#160;p.m., New
    York time, on July&#160;6, 2010, unless we elect in our sole
    discretion to extend the period of the Rights Offering beyond
    this date (as such date may be extended, the &#147;Expiration
    Date&#148;).
</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 described in the Prospectus, you will receive one
    Subscription Right for each share of Common Stock you owned on
    the Record Date. Subscription rights may only be exercised in
    whole numbers. Each whole Subscription Right will allow you to
    subscribe to purchase one share of Common Stock (the &#147;Basic
    Subscription Privilege&#148;) at a subscription price of $1.20
    per share. For example, if you owned 1,000&#160;shares of Common
    Stock on the Record Date, you would receive 1,000 Subscription
    Rights and would have the right to purchase 1,000&#160;shares of
    Common Stock for $1.20 per share pursuant to your Basic
    Subscription Privilege.
</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">
    In addition, if you exercise your Basic Subscription Privilege
    in full, you will be eligible to subscribe to purchase
    additional shares of Common Stock, subject to the conditions and
    limitations described further in the Prospectus (the
    &#147;Over-Subscription Privilege&#148;). <B>We will not accept
    any over-subscription requests for less than 10,000&#160;shares
    of our common stock, except from our non-executive officers and
    employees from whom we will accept over-subscription requests
    for 1,000 or more shares of our common stock. </B>We offer no
    assurances that any subscription requests that you may submit
    pursuant to the Over-Subscription Privilege will be fulfilled in
    whole or in part.
</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">
    You will be required to submit payment in full for all of the
    shares of Common Stock you wish to buy under your Basic
    Subscription Privilege and pursuant to the Over-Subscription
    Privilege to Computershare Inc. (the &#147;Subscription
    Agent&#148;), by no later than 5:00&#160;p.m., New York time, on
    the Expiration Date. <B>Any excess subscription payments that
    you may pay to the Subscription Agent in the Rights Offering
    will be returned, without interest or penalty, to you by the
    Subscription Agent as soon as practicable following the
    consummation of the Rights Offering, which will not take place
    until the earlier of when we have received total subscriptions
    in the rights offering and the best efforts public offering
    (described further in the Prospectus) of at least $105,000,000
    in the aggregate, or the closing of the transaction with Woori
    (described further in the Prospectus) (the &#147;Escrow Release
    Date&#148;), or such earlier time as we may cancel the rights
    offering in our sole and absolute discretion. If the Escrow
    Release Date has not occurred on or prior to November&#160;15,
    2010, we will cancel the rights offering and the Subscription
    Agent will return the subscription payments received in the
    rights offering, without interest or penalty.</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">
    Your Subscription Rights are evidenced by subscription rights
    certificates issued in your name (the &#147;Subscription Rights
    Certificates&#148;). Your Subscription Rights are
    non-transferable, meaning that you may not sell, transfer or
    assign your Subscription Rights Certificate to anyone else.
</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">
    Enclosed for your additional information are copies of the
    following documents:
</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">
    Prospectus;
</TD>
</TR>

</TABLE>
<!-- 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 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">
    Subscription Rights Certificate;
</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">
    Instructions&#160;For Use of Hanmi Financial Corporation
    Subscription Rights Certificates (including an accompanying
    Notice of Guaranteed Delivery for Subscription Rights
    Certificates Issued by Hanmi Financial Corporation);&#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">
    A return envelope addressed to Computershare Inc., acting as our
    subscription agent.
</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 first three documents listed above provide additional
    information on the Rights Offering, the Company and the steps
    you must take if you wish to exercise all or some of your
    Subscription Rights. You should read all of these documents
    carefully in their entirety.
</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>Your prompt action is requested.</I>&#160;&#160;To exercise
    your Subscription Rights, you must deliver your properly
    completed and signed Subscription Rights Certificate (or the
    Notice of Guaranteed Delivery if you are following the
    guaranteed delivery procedures), together with your payment in
    full of the total subscription amount that is required for all
    of the shares that you intend to purchase under your Basic
    Subscription Privilege and any additional shares that you wish
    to purchase pursuant to the Over-Subscription Privilege, to the
    Subscription Agent as described further in the Prospectus. Your
    properly completed and signed Subscription Rights Certificate or
    Notice of Guaranteed Delivery, in either case accompanied by
    full payment of your total subscription amount, must be received
    by the Subscription Agent by no later than 5:00&#160;p.m., New
    York time, on the Expiration Date. Once you have exercised your
    Subscription Rights, you may not cancel, revoke or otherwise
    amend the exercise of your Subscription Rights. Any Subscription
    Rights that are not exercised prior to 5:00&#160;p.m., New York
    time, on the Expiration Date will expire and you will have no
    further rights under your Subscription Rights Certificate.
</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">
    Additional copies of the enclosed materials may be obtained from
    Georgeson, which is acting as our information agent in the
    Rights Offering. Banks and brokers should call (212)440-9800 and
    stockholders should call
    <FONT style="white-space: nowrap">(800)&#160;509-0983.</FONT>
    You may also contact Computershare Inc. if you have any
    questions on the Rights Offering or require any assistance in
    exercising your Subscription Rights.
</DIV>

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

<DIV align="left" style="margin-left: 49%; margin-right: 0%; text-indent: 0%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    Very truly yours,
</DIV>

<DIV style="margin-top: 24pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 49%; margin-right: 0%; text-indent: 0%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">

</DIV>

<DIV align="left" style="margin-left: 49%; margin-right: 0%; text-indent: 0%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    HANMI FINANCIAL CORPORATION
</DIV>
<!-- XBRL Pagebreak Begin -->

<P align="center" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    <BR>
    2
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</BODY>
</HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.7
<SEQUENCE>11
<FILENAME>v56465exv99w7.htm
<DESCRIPTION>EX-99.7
<TEXT>
<HTML>
<HEAD>
<TITLE>exv99w7</TITLE>
</HEAD>
<BODY bgcolor="#FFFFFF">
<!-- PAGEBREAK -->

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

<DIV align="right" 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">Exhibit&#160;99.7</FONT></B>
</DIV>

<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">FORM&#160;OF
    LETTER TO BROKERS AND OTHER NOMINEE HOLDERS<BR>
    </FONT></B>
</DIV>

<DIV style="margin-top: 6pt; 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>

<DIV style="margin-top: 6pt; 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">Up to
    50,000,000&#160;Shares of Common Stock To Be Issued Upon the
    Exercise of Subscription Rights</FONT></B>
</DIV>

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

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

    <FONT style="font-family: 'Times New Roman', Times">June&#160;11,
    2010
    </FONT>
</DIV>

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

<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">
    To Security Dealers, Commercial Banks, Trust&#160;Companies and
    Other Nominees:
</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 letter is being distributed to securities dealers,
    commercial banks, trust companies, and other nominees in
    connection with the rights offering (the &#147;Rights
    Offering&#148;) by Hanmi Financial Corporation (the
    &#147;Company&#148;) of shares of its common stock (&#147;Common
    Stock&#148;), which will be issued in connection with the
    exercise of non-transferable subscription rights (the
    &#147;Subscription Rights&#148;), which are being distributed to
    all holders of record (the &#147;Recordholders&#148;) of Common
    Stock as of 5:00&#160;p.m., New York time, on June&#160;7, 2010
    (the &#147;Record Date&#148;). The Subscription Rights and the
    Rights Offering are described in the prospectus supplement,
    dated June&#160;11, 2010, which is enclosed with this letter
    (the &#147;Prospectus&#148;).
</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">
    In the Rights Offering, the Company is offering up to an
    aggregate of 50,000,000&#160;shares of Common Stock to be issued
    in connection with the exercise of the Subscription Rights,
    which is described further in the Prospectus. The Subscription
    Rights will expire, if not exercised earlier, at 5:00&#160;p.m.,
    New York time, on July&#160;6, 2010, unless the Company elects
    in its sole discretion to extend the period of the Rights
    Offering beyond this date (as such date may be extended, the
    &#147;Expiration Date&#148;).
</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 described in the Prospectus, each Recordholder will receive
    one Subscription Right for each share of Common Stock owned on
    the Record Date. Subscription rights may only be exercised in
    whole numbers. Each whole Subscription Right will allow the
    holder thereof to subscribe to purchase one share of Common
    Stock (the &#147;Basic Subscription Privilege&#148;) at a
    subscription price of $1.20 per share. For example, if a
    Recordholder owned 1,000&#160;shares of Common Stock on the
    Record Date, the Recordholder would receive 1,000 Subscription
    Rights and would have the right to purchase 1,000&#160;shares of
    Common Stock for $1.20 per share pursuant to your Basic
    Subscription Privilege.
</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">
    In addition, if the holder of Subscription Rights exercises the
    holder&#146;s Basic Subscription Privilege in full, then the
    holder will be eligible to subscribe to purchase additional
    shares of Common Stock, subject to the conditions and
    limitations described further in the Prospectus (the
    &#147;Over-Subscription Privilege&#148;). <B>We will not accept
    any over-subscription requests for less than 10,000&#160;shares
    of our common stock, except from our non-executive officers and
    employees from whom we will accept over-subscription requests
    for 1,000 or more shares of our common stock. </B>The Company
    offers no assurances that any subscription requests that any
    holder of Subscription Rights may submit pursuant to the
    Over-Subscription Privilege will be fulfilled in whole or in
    part.
</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 holder of Subscription Rights will be required to submit
    payment in full for all of the shares of Common Stock that the
    holder wishes to buy under the holder&#146;s Basic Subscription
    Privilege and pursuant to the Over-Subscription Privilege to
    Computershare Inc. (the &#147;Subscription Agent&#148;), by no
    later than 5:00&#160;p.m., New York time, on the Expiration
    Date. <B>Any excess subscription payments that a Subscription
    Rights holder may pay to the Subscription Agent in the Rights
    Offering will be returned, without interest or penalty, to the
    holder by the Subscription Agent as soon as practicable
    following the earlier of when the Company has received total
    subscriptions in the rights offering and the best efforts public
    offering (described further in the Prospectus) of at least
    $105,000,000 in the aggregate, or the closing of the transaction
    with Woori (described further in the Prospectus) (the
    &#147;Escrow Release Date&#148;), or such earlier time as the
    Company may cancel the rights offering in its sole and absolute
    discretion. If the Escrow Release Date has not occurred on or
    prior to November&#160;15, 2010, the Company will cancel the
    rights offering and the Subscription Agent will return the
    subscription payments received in the rights offering, without
    interest or penalty.</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">
    The Subscription Rights are evidenced by subscription rights
    certificates (each, a &#147;Subscription Rights
    Certificate&#148;) registered in the Recordholder&#146;s name.
    Subscription Rights are non-transferable, meaning that they may
    not be sold, transferred, or assigned by the Recordholder to any
    other party.
</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">&nbsp;</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 are asking persons who hold shares of Common Stock
    beneficially and who have received the Subscription Rights
    distributable with respect to those shares through a broker,
    dealer, commercial bank, trust company, or other nominee, as
    well as persons who hold certificates of Common Stock directly
    and prefer to have such institutions effect transactions
    relating to the Subscription Rights on their behalf, to contact
    the appropriate institution or nominee and request it to effect
    the transactions for them. In addition, we are asking beneficial
    owners who wish to obtain a separate Subscription Rights
    Certificate to contact the appropriate nominee as soon as
    possible and request that a separate Subscription Rights
    Certificate be 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">
    If you exercise the Subscription Rights on behalf of beneficial
    owners of Subscription Rights you will be required to certify to
    the Company, the Subscription Agent, and the Information Agent
    (as defined below), with respect to each beneficial owner of
    Subscription Rights on whose behalf you are acting, as to the
    aggregate number of Subscription Rights that have been exercised
    and the corresponding number of shares of Common Stock
    subscribed for pursuant to the Basic Subscription Privilege and,
    in connection with any subscription request pursuant to the
    Over-Subscription Privilege, the number of shares of Common
    Stock subscribed for pursuant to the Over-Subscription
    Privilege. <B>We also request that you indicate whether the
    beneficial owner has certified that they are an employee of the
    Company.</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">
    All commissions, fees, and other expenses (including brokerage
    commissions and transfer taxes), other than fees and expenses of
    the Subscription Agent and Georgeson (the &#147;Information
    Agent&#148;), incurred in connection with the exercise of the
    Subscription Rights will be for the account of the holder of the
    Subscription Rights, and none of such commissions, fees, or
    expenses will be paid by the Company, the Subscription Agent, or
    the Information Agent.
</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">
    Enclosed are copies of the following documents:
</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">
    Prospectus;
</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">
    Subscription Rights Certificate;
</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">
    Instructions&#160;For Use of Hanmi Financial Corporation
    Subscription Rights Certificates (including an accompanying
    Notice of Guaranteed Delivery for Subscription Rights
    Certificates Issued by 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">
    A form of letter that you may send to your clients for whose
    accounts you hold shares of Common Stock registered in your name
    or the name of your nominee (including an accompanying
    Beneficial Owner Election 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">
    Nominee Holder Certification, which must be completed and
    submitted by you if you exercise the Subscription Rights,
    including the exercise of the Basic Subscription Privilege and
    any subscription request pursuant to the Over-Subscription
    Privilege, on behalf of any beneficial owners of Subscription
    Rights;&#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">
    A return envelope addressed to the Subscription Agent.
</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">
    Your prompt action is requested. To exercise the Subscription
    Rights, you must deliver the properly completed and signed
    Subscription Rights Certificate (or the Notice of Guaranteed
    Delivery if you are following the guaranteed delivery
    procedures), together with payment in full of the total
    subscription amount that is required for all of the shares
    subscribed for under the Basic Subscription Privilege and any
    additional shares subscribed for pursuant to the
    Over-Subscription Privilege, to the Subscription Agent as
    described further in the Prospectus. The properly completed and
    signed Subscription Rights Certificate or Notice of Guaranteed
    Delivery, in either case accompanied by full payment of the
    total subscription amount, must be received by the Subscription
    Agent by no later than 5:00&#160;p.m., New York time, on the
    Expiration Date. <B>Failure to return the properly completed
    Subscription Rights Certificate with the correct payment will
    result in your not being able to exercise the Subscription
    Rights held in your name on behalf of yourself or other
    beneficial owners. </B>A Subscription Rights holder cannot
    revoke the exercise of Subscription Rights. Subscription Rights
    not exercised before 5:00&#160;p.m., New York time, on the
    Expiration Date will expire.
</DIV>
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    <BR>
    2
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<H5 align="left" style="page-break-before:always">&nbsp;</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: 4%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    Additional copies of the enclosed materials may be obtained from
    the Information Agent. Banks and brokers should call
    <FONT style="white-space: nowrap">(212)&#160;440-9800</FONT>
    and stockholders should call
    <FONT style="white-space: nowrap">(800)&#160;509-0983.</FONT>
</DIV>

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

<DIV align="left" style="margin-left: 49%; margin-right: 0%; text-indent: 0%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    Very truly yours,
</DIV>

<DIV style="margin-top: 24pt; font-size: 1pt">&nbsp;</DIV>

<DIV align="left" style="margin-left: 49%; margin-right: 0%; text-indent: 0%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">

</DIV>

<DIV align="left" style="margin-left: 49%; margin-right: 0%; text-indent: 0%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">
    HANMI FINANCIAL CORPORATION
</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">
    NOTHING CONTAINED IN THE PROSPECTUS OR IN ANY OF THE ENCLOSED
    DOCUMENTS SHALL CONSTITUTE YOU OR ANY PERSON AS AN AGENT OF
    HANMI FINANCIAL CORPORATION, THE SUBSCRIPTION AGENT, THE
    INFORMATION AGENT, OR ANY OTHER PERSON MAKING OR DEEMED TO BE
    MAKING OFFERS OF THE SECURITIES ISSUABLE UPON VALID EXERCISE OF
    THE SUBSCRIPTION RIGHTS, OR AUTHORIZE YOU OR ANY OTHER PERSON TO
    MAKE ANY STATEMENTS ON BEHALF OF ANY OF THEM WITH RESPECT TO THE
    RIGHTS OFFERING EXCEPT FOR STATEMENTS MADE IN THE PROSPECTUS.
</DIV>
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    <BR>
    3
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<DOCUMENT>
<TYPE>EX-99.8
<SEQUENCE>12
<FILENAME>v56465exv99w8.htm
<DESCRIPTION>EX-99.8
<TEXT>
<HTML>
<HEAD>
<TITLE>exv99w8</TITLE>
</HEAD>
<BODY bgcolor="#FFFFFF">
<!-- PAGEBREAK -->

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

<DIV align="right" 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">Exhibit&#160;99.8</FONT></B>
</DIV>

<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">FORM&#160;OF
    LETTER TO CLIENTS<BR>
    </FONT></B>
</DIV>

<DIV style="margin-top: 6pt; 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>

<DIV style="margin-top: 6pt; 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">Up to
    50,000,000&#160;Shares of Common Stock To Be Issued Upon the
    Exercise of Subscription Rights</FONT></B>
</DIV>

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

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

    <FONT style="font-family: 'Times New Roman', Times">June&#160;11,
    2010
    </FONT>
</DIV>

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

<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">
    To Our Clients:
</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">
    Enclosed for your consideration are the prospectus supplement,
    dated June&#160;11, 2010 (the &#147;Prospectus&#148;) and the
    Instructions for Use of Hanmi Financial Corporation Subscription
    Rights Certificates relating to the offering (the &#147;Rights
    Offering&#148;) by Hanmi Financial Corporation (the
    &#147;Company&#148;) of shares of its common stock, par value
    (&#147;Common Stock&#148;), which will be issued in connection
    with the exercise of non-transferable subscription rights (the
    &#147;Subscription Rights&#148;), which are being distributed to
    all holders of record of Common Stock as of 5:00&#160;p.m.,
    New&#160;York time, on June&#160;7, 2010 (the &#147;Record
    Date&#148;). The Subscription Rights and the Rights Offering are
    described in the 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">
    In the Rights Offering, the Company is offering up to an
    aggregate of 50,000,000&#160;shares of Common Stock to be issued
    in connection with the exercise of the Subscription Rights,
    which is described further in the Prospectus. The Subscription
    Rights will expire, if not exercised earlier, at 5:00&#160;p.m.,
    New York time, on July&#160;6, 2010, unless the Company elects
    in its sole discretion to extend the period of the Rights
    Offering beyond this date (as such date may be extended, the
    &#147;Expiration Date&#148;).
</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 described in the Prospectus, you will receive one
    Subscription Right for each share of Common Stock you owned on
    the Record Date. Subscription rights may only be exercised in
    whole numbers. Each whole Subscription Right will allow you to
    subscribe to purchase one share of Common Stock (the &#147;Basic
    Subscription Privilege&#148;) at a subscription price of $1.20
    per share. For example, if you owned 1,000&#160;shares of Common
    Stock on the Record Date, you would receive 1,000 Subscription
    Rights and would have the right to purchase 1,000&#160;shares of
    Common Stock for $1.20 per share pursuant to your Basic
    Subscription Privilege.
</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">
    In addition, if you exercise your Basic Subscription Privilege
    in full, you will be eligible to subscribe to purchase
    additional shares of Common Stock, subject to the conditions and
    limitations described further in the Prospectus (the
    &#147;Over-Subscription Privilege&#148;). <B>The Company will
    not accept any over-subscription requests for less than
    10,000&#160;shares of Common Stock, except from its
    non-executive officers and employees, from whom the Company will
    accept over-subscription requests for 1,000 or more shares of
    Common Stock. </B>The Company offers no assurances that any
    subscription requests that you may submit pursuant to the
    Over-Subscription Privilege will be fulfilled in whole or in
    part.
</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">
    You will be required to submit payment in full for all of the
    shares of Common Stock you wish to buy under your Basic
    Subscription Privilege and pursuant to the Over-Subscription
    Privilege. <B>Any excess subscription payments that you may pay
    to the Subscription Agent in the Rights Offering will be
    returned, without interest or penalty, to you by the
    Subscription Agent as soon as practicable following the
    consummation of the Rights Offering, which will not take place
    until the earlier of when the Company has received total
    subscriptions in the rights offering and the best efforts public
    offering (described further in the Prospectus) of at least
    $105,000,000 in the aggregate, or the closing of the transaction
    with Woori (described further in the Prospectus) (the
    &#147;Escrow Release Date&#148;), or such earlier time as the
    Company may cancel the rights offering in its sole and absolute
    discretion. If the Escrow Release Date has not occurred on or
    prior to November&#160;15, 2010, the Company will cancel the
    rights offering and the Subscription Agent will return the
    subscription payments received in the rights offering, without
    interest or penalty.</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">
    The Subscription Rights are evidenced by subscription rights
    certificates registered in the names of the record holders of
    the shares of Common Stock for which the Subscription Rights are
    being distributed. Subscription Rights are non-transferable,
    meaning that they may not be sold, transferred, or assigned by
    the holder of the Subscription Rights to any other party.
</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>THE ENCLOSED MATERIALS ARE BEING FORWARDED TO YOU AS THE
    BENEFICIAL OWNER OF SHARES&#160;OF COMMON STOCK WHICH ARE
    CARRIED BY US IN YOUR ACCOUNT </B>
</DIV>
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</DIV><!-- END PAGE WIDTH -->
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<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="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>BUT ARE NOT REGISTERED IN YOUR NAME. EXERCISES OF THE
    SUBSCRIPTION RIGHTS DISTRIBUTED WITH RESPECT TO THESE
    SHARES&#160;MAY BE MADE ONLY BY US AS THE RECORD OWNER AND
    PURSUANT TO YOUR INSTRUCTIONS.</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">
    We are hereby requesting that you instruct us as to whether you
    wish us to elect to subscribe for any shares of Common Stock to
    which you are entitled pursuant to the terms of the Rights
    Offering and subject to the conditions set forth in the
    Prospectus. We urge you to read the Prospectus and other
    enclosed materials carefully and in their entirety before
    instructing us on whether to exercise your Subscription 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">
    Your instructions to us, together with any required payment,
    should be forwarded as promptly as possible in order to permit
    us to exercise the Subscription Rights on your behalf in
    accordance with the provisions of the Rights Offering. The
    Rights Offering will expire at 5:00&#160;p.m., New York time, on
    the Expiration Date. Once you have exercised any of your
    Subscription Rights, such exercise may not be canceled, revoked
    or otherwise amended.
</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 you wish to have us, on your behalf, exercise the
    Subscription Rights for any shares of Common Stock to which you
    are entitled, please so instruct us by timely completing,
    executing, and returning to us the enclosed Beneficial Owner
    Election Form with any required payment.
</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>With respect to any instructions to exercise (or not to
    exercise) Subscription Rights, the enclosed Beneficial Ownership
    Election Form must be completed and returned, together with any
    required payment, such that it will be actually received by us
    by 5:00&#160;p.m., New York time, on July&#160;2, 2010, the last
    business day prior to the scheduled Expiration Date of the
    Rights Offering.</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">
    Additional copies of the enclosed materials may be obtained from
    Georgeson, which is acting as the Company&#146;s information
    agent in the Rights Offering. Banks and brokers should call
    (212)440-9800 and stockholders should call
    <FONT style="white-space: nowrap">(800)&#160;509-0983.</FONT>
    You may also contact Computershare Inc., if you have any
    questions on the Rights Offering or require any assistance in
    exercising your Subscription Rights.
</DIV>
<!-- XBRL Pagebreak Begin -->

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    2
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
-----END PRIVACY-ENHANCED MESSAGE-----
