PACIFIC NATIONAL BANK

IMPORTANT INFORMATION ABOUT YOUR ACCOUNTS AT PACIFIC NATIONAL BANK, N.A.

U.S. Unlawful Internet Gambling Enforcement Act (“UIGEA”) and Regulation GG Notice to Existing Commercial Customers

The Unlawful Internet Gambling Enforcement Act of 2006 (“UIGEA”) prohibits any person engaged in the business of betting or wagering (as defined in the UIGEA) from knowingly accepting payments in connection with unlawful Internet gambling, including payments made through credit cards, electronic funds transfers and checks (“Restricted Transactions”). Furthermore, the UIGEA requires U.S. financial institutions to identify and block or otherwise prevent or prohibit such Restricted Transactions.

The U.S. Department of Treasury and the Federal Reserve Board have issued a joint final rule, Regulation GG, to implement the UIGEA. Regulation GG which becomes effective on December 1, 2009 defines unlawful Internet gambling as “placing, receiveing or otherwise knowingly transmiting a bet or wager by any means which involve the use, at least in part, of the Internet where such bet or wager is unlawful under any applicable Federal or State law in the State or Tribal lands in which the bet or wager is initiated, received or otherwise made.”

As a U.S. financial institution, Pacific National Bank, N.A. (“Bank”), is prohibited by the UIGEA and Regulation GG from processing Restricted Transactions through customer accounts or banking relationships. Consequently, this Notice serves to inform you that the Bank will not process Restricted Transactions and will neither open or maintain accounts for business engaged in Internet gambling.

Customer Identification Program Notice - Important Information about Procedures for Opening a new Account

To help the government fight the funding of terrorism and money laundering activities, federal law required all financial institutions to obtain, verify and record information that identifies each person who opens an account.

What this means to you: when you open an account , we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.