Related Party Transactions and Outside Related Director Information

PFF Bancorp, Inc. (PFB)

3/24/2006 Proxy Information

Mr. Rinehart served as Chief Executive Officer of PFF Bank & Trust from 1992 and of PFF Bancorp, Inc. from 1996 thru March 2006. He also served as President and Chief Executive Officer of Pomona Financial Services, Inc. and Diversified Services, Inc.

7/28/2005 Proxy Information

With certain exceptions permitted under the Federal Reserve Act and Regulation O, all loans or extensions of credit to executive officers and directors must be made on substantially the same terms, including interest rates and collateral, as those prevailing at the time for comparable transactions with the general public and must not involve more than the normal risk of repayment or present other unfavorable features. In addition, loans made to a director or executive officer in excess of the greater of $25,000 or 5% of PFF Bank & TrustÕs capital and surplus (up to a maximum of $500,000) must be approved in advance by a majority of the disinterested members of the Board of Directors.

PFF Bank & Trust has determined that preferred rate loans for executive officers and directors are part of the BankÕs overall benefits and compensation program, and therefore, executive officers and directors are permitted to receive the preferred rate so long as the loans are otherwise made within the limitations of the Federal Reserve Act and Regulation O.

As of March 31, 2005, ten of PFF Bank & TrustÕs executive officers or directors had a total of ten loans outstanding, totaling approximately $2.7 million in the aggregate. Of the ten loans currently outstanding to executive officers or directors, nine loans are receiving a preferred rate. For those receiving the preferred rate, seven loans are secured by the borrowerÕs principal residence and two loans are secured by a second home.

It is our policy that all transactions between us and our executive officers, directors, holders of 10% or more of the shares of any class of our common stock and affiliates thereof, contain terms no less favorable to us than could have been obtained by it in arms-length negotiations with unaffiliated persons and are required to be approved by a majority of independent outside directors not having any interest in the transaction, other than the preferred rate for executive officers and directors, which is considered part of their overall benefits and compensation program.