Kelly and a coworker at their bank go out to lunch together. She doesn't know it yet but she's about to come face-to-face with her tormentor ...
Then ... They leave the bank by a side door and cross over the alley to the Orange Grove, a restaurant at 57 Lick Place, an alley described here in an earlier post. At the end of the alley across Sutter is the steel and glass Hallidie Building at 130 Sutter Street.
... and Now, Lick Place has been replaced by the Crocker Galleria mall (map). The mall parallels Montgomery Street between Sutter and Post. Below is the same view as above, except that Lick Place used to run at street level where those stores on the right are now, so the mall is offset some and a few steps below street level. The restaurant used to be just beyond the two foreground planters, at street level. Facing us, the Hallidie Building is currently being renovated behind wood and scaffolding.
Here's the 1962 Street Directory entry confirming the address and name of the restaurant.
... in 1964 ... This vintage photo taken from Lick Place (you can see its street sign) shows a wider view of the Hallidie Building two years after the movie was released. Designed by Willis Polk, the 1918 structure was the second building in the nation to feature a glass curtain wall.
... and Now ... The building is currently hidden behind scaffolding but here, looking east along Sutter Street, is how it looked just before then.
As Kelly enters the Orange Grove we see a reverse view through its front window of the Hunter-Dulin building across Lick Place. But CitySleuth thinks this is a studio set, in part because the patterned wallpaper and tables close to the window aren't seen through the window from the outside in the Then image above.
She retires to the powder room and gets the fright of her life when in walks Red Lynch, disguised as a doddering old lady. At gunpoint, he tells her the time has come to steal the money from the bank later that week.