Pacific Coast National Bank

Accounts Receivable Financing

Revolving lines of credit secured by accounts receivable and inventory. Whether the financing need is created by sales growth, an acquisition, vendor discount opportunities, a temporary downturn, or any other reason, Pacific Coast National Bank may provide the available credit line to meet your needs.

Merchant Card Services

We will provide your business with a means to accept credit/debit cards for the sale of your products and services through an approved provider. Improve cash flow and improve convenience for both your business and your customers, with funds collected within 24 to 72 hours.

Courier Service

Our professional couriers are highly motivated to provide the quality of service expected by our clients. This service will ensure that our customer’s deposits are delivered on time.

Zero Balance Accounts

This service will allow your business to maximize your funds ability to earn interest. With a zero balance account, the bank can automatically transfer only the needed amount of funds from your interest-bearing account to cover payments made from a non-interest bearing account. That way, more of your money keeps earning interest for you.

Business Lines of Credit

Our business revolving line of credit will provide your business short-term working capital for ongoing operational expenses, seasonal purchases and inventory, carrying accounts receivable, or for trade discounts.

Business Term Loans

A business loan designed to provide financing for business expansion, equipment acquisition (new or used, including business vehicles), or to refinance an existing debt.

Payroll Services

Save time by streamlining your payroll processing through approved providers. Payroll Service provides the business customer with payroll direct deposit or checks, earnings statements, tax information, adjustments, and other payroll related services.

Cash Vault Services

Obtain coin and currency to meet your business needs.

Automated Transfer Service

This service will allow you to schedule automatic transfers to another account on a recurring basis. A one time set-up of the transfer and you need not worry about the rest.

Online Banking for Businesses

At Pacific Coast National Bank, we've designed a variety of products and services that let you do virtually all your banking online. You'll find online banking easy, convenient, safe and secure. Best of all, you'll free up valuable time to focus on your next business challenge.

Banking Needs at Your Fingertips

Internet Business Banking -- Gain better control of your banking with online access.

Monitor all account balances and activity
View transaction histories
Transfer funds between Pacific Coast National Bank accounts
View images of paid checks and deposit slips
View online statements
Place stop payments
Make payments to anywhere in the U.S. -- even schedule payments in advance

Advanced Banking Services

For your more advanced needs, we offer an extensive range of online services.

Payments and Reporting -- Save time by paying federal and state taxes online
Account Reconcilement-Reconcile your account activity online and review transactions for inaccuracies or duplicate checks
ACH Origination -- Send and receive payments electronically
Wire Transfers

Pacific Gold Advantage Credit Card

Enjoy the convenience and flexibility of a Pacific Gold Advantage Credit Card. Benefits include:

Revolving balance option
Low variable annual percentage rate
Automatic payment/Webpay options
Pacific Gold Advantage Visa® Credit Card
- No annual fee
- Earn Visa® extra rewards
- No grace period option
Pacific Gold Advantage MasterCard® Business Card
- Interest free grace period
- Minimal annual fees
Generous credit limit
Payment options (Consolidated/Individual Pay)
Individualized cards and spending limits
Auto rental insurance
Fraud protection – zero liability

San Clemente
905 Calle Amanecer, Suite 100 • San Clemente, CA 92673
Phone: 949-361-4300 • Fax: 949-361-4366

Encinitas
499 North El Camino Real, Suite C-100 • Encinitas, CA 92024
Phone: 760-635-5636 • Fax: 760-635-8650

www.pacificcoastnationalbank.com

Pacific Gold Business Checking

Basic checking for small businesses

Designed with the small business in mind, this account comes with a generous allowance of check transactions. Monthly maintenance fees are waived when balance requirements are met and excess fees are only included when transaction volumes exceed predetermined levels.

$500 minimum opening deposit
100 checks paid each month, free of charge
$12 monthly maintenance fee, waived when:
- Average collected balance for the month is $2,500 or greater, or
- Average combined balances of $5,000 or greater in other Pacific Gold Business accounts
High-activity accounts may be placed on our Pacific Gold Balance-Based Checking and charged according to account activity and services required

Pacific Gold Business Interest Checking

Interest-bearing accounts for qualified businesses

An interest bearing account designed primarily for small to medium sized sole proprietorships, and nonprofit businesses with moderate transaction volumes. Customers with higher volumes or specific cash management services should open a Pacific Gold Balance-Based Business Checking account.

$500 minimum opening deposit
$15 monthly maintenance fee and a per check charge, fees may be waived when:
- Average collected balance for the month is $5,000 or greater
- Number of checks written does not exceed 120 per month
Interest is calculated and paid as outlined in the account disclosure statement. In general:
- Interest begins to accrue on the business day the bank receives cash and/or credit for the deposit
- Interest rate and annual percentage yield (APY) are included in our rate chart and are subject to change without notice
Pacific Gold Business Interest Checking is available to:
- Sole Proprietorships
- Not-for-profit organizations

Pacific Gold Money Market Checking

Limited activity/High balances

Enjoy unlimited access to your funds and earn interest at a higher yield with a tiered-rate structure that moves in sync with your balances. This product is also available to not-for-profit organizations.

$5,000 minimum opening deposit
$15 monthly maintenance fee, waived when:
- Average collected balance for the month is $10,000 or greater
Pacific Gold Money Market Checking includes the following items at no charge:
- All ACH (Automated Clearing House) transactions
- First order of Pacific Gold checks
- Last 12 statements available online
Interest is calculated and paid as outlined in the account disclosure statement. In general:
- Interest begins to accrue on the business day the bank receives cash and/or credit for the deposit
- Interest rate and annual percentage yield (APY) are included in our rate chart and are subject to change without notice
Interest rate is determined using the following tiers and based upon your daily balance:
- Up to $24,999.99
- $25,000.00 – $49,999.99
- $50,000.00 – $99,999.99
- $100,000 and above
Pacific Gold Money Market Checking is available to:
- Corporations
- Partnerships
- Sole Proprietorships
- Other business entities
Certain transactional restrictions apply. Please see your account disclosure for details.

Pacific Gold Balance-Based Business Checking

Comprehensive checking for all businesses

An account designed for businesses with higher volumes of transactions, high average balances and/or more complex transaction needs. Businesses with high activity levels and those who use a variety of banking services will normally be placed on our Pacific Gold Balance-Based Business Checking.

Monthly maintenance fee is determined by:
- Assessing fees for each of the activities within the account (see separate fee disclosure for details)
- An earnings credit is then calculated using the average collected balance in the primary business account and any affiliated transaction accounts
- This earnings credit can offset some or all of the monthly charges. However, banking laws prohibit us from paying any excess earnings above the monthly charges to you. Therefore, businesses that are cyclical in nature may prefer to be put on a quarterly or semi annual analysis schedule
Pacific Gold Balance-Based Business Checking is available to:
- Corporations
- Partnerships
- Sole Proprietorships
- Other business entities

Pacific Gold Business Savings

Keeping your cash accessible while you earn interest

A basic business savings account that offers competitive interest rates, full liquidity and low minimum balance requirements.

$500 minimum opening deposit
$15 quarterly maintenance fee, waived when:
- Average collected balance for the month is $500 or greater
Pacific Gold Business Savings includes the following items at no charge
- Unlimited over-the-counter withdrawals
- Six (6) electronic withdrawals per month
Interest is calculated and paid as outlined in the account disclosure statement. In general:
- Interest begins to accrue on the business day the bank receives cash and/or credit for the deposit
- Interest rate and annual percentage yield (APY) are included in our rate chart and are subject to change without notice
Interest is paid in the following tiers based upon your daily balance:
- Up to $24,999.99
- $25,000.00 – $49,999.99
- $50,000.00 – $99,999.99
- $100,000 and above
Pacific Gold Business Savings is available to any business

San Clemente
905 Calle Amanecer, Suite 100 • San Clemente, CA 92673
Phone: 949-361-4300 o Fax: 949-361-4366

Encinitas
499 North El Camino Real, Suite C-100 • Encinitas, CA 92024
Phone: 760-635-5636 o Fax: 760-635-8650