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<PAGE> October 23, 2000 Office of the Chief Accountant Securities and Exchange Commission 450 Fifth Street, N.W. Washington, D.C. 20549 Dear Sir/Madam: We have read paragraph (a) of Item 4 included in the Form 8-K dated October 23, 2000 of Pacific Mercantile Bancorp to be filed with the Securities and Exchange Commission and are in agreement with the statements contained therein. Very truly yours, /s/ Arthur Andersen LLP Arthur Andersen LLP cc: Mr. Dan Erickson, CFO, Pacific Mercantile Bancorp
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