1 EXHIBIT 99.3 PROXY MARINERS BANCORP >THIS PROXY IS SOLICITED ON BEHALF OF THE BOARD OF DIRECTORS OF MARINERS BANCORP. The undersigned hereby appoints Richard Korsgaard and Don R. McCanne, M.D., and each of them individually, the attorney, agent and proxy of the undersigned, with full power of substitution, to vote all shares of Common Stock of Mariners Bancorp which the undersigned is entitled to represent and vote at the Special Meeting of Shareholders of Mariners Bancorp, to be held at Mariners Bank's San Clemente office located at 115 Calle de Industrias, San Clemente, California, at 10:00 a.m. on Wednesday, October 11, 1995, and any adjournments or postponements thereof, as follows: 1. Proposal to approve the principal terms of an Agreement and Plan of Merger, dated as of May 22, 1995, by and among Eldorado Bancorp, Eldorado Bank, Mariners Bancorp and Mariners Bank (the "Merger Agreement"). / / FOR / / AGAINST / / ABSTAIN WHEN PROPERLY EXECUTED, THIS PROXY WILL BE VOTED IN THE MANNER DIRECTED ABOVE. IF NO DIRECTION IS MADE, IT WILL BE VOTED FOR APPROVAL OF THE MERGER AGREEMENT AND THE TRANSACTIONS CONTEMPLATED THEREBY. (continued from reverse side) Discretionary authority is hereby conferred as to any other matters as may properly come before the meeting. The undersigned acknowledges receipt of the Notice of Special Meeting of Shareholders and the Joint Proxy Statement/Prospectus (with all enclosures and attachments) dated September 12, 1995. The undersigned ratifies all that the proxies or any of them or their substitutes may lawfully do or cause to be done by virtue hereof and revokes all former proxies. DATED , 1995 -------------------------- Signature -------------------------- Signature if held jointly Please sign this proxy exactly as your name(s) appears below. If the stock is registered in the names of two or more persons, each must sign. Executors, administrators, trustees, guardians, attorneys and corporate officers should add their titles. IMPORTANT: Please mark, date, sign and return this Proxy in the envelope provided. No postage is required.