Pacific Coast National Bank

Credit Services

AUTOMOBILE LOAN

Whether you are looking to finance a new or used vehicle, Pacific Coast National Bank offers competitive rates and flexible terms.

BOAT/RECREATIONAL VEHICLE LOAN

When you are looking to finance a new or used boat or RV, you will find great rates with flexible terms at Pacific Coast National Bank.

PACIFIC GOLD HOME EQUITY LOAN

Use your home's equity to get the credit you need for the things you want now. The Pacific Gold Home Equity Loan is based on the available equity in your home. Receive your money all at once, and then pay it back in stable, fixed monthly payments.

Fixed-interest rate loan
Convenient payment method: by automatic deduction from your checking or savings account
In most cases, interest is tax deductible¹

1Consult your tax advisor and IRS Publication 936 (Home Mortgage Interest Deduction) regarding interest deductibility.

PACIFIC GOLD EQUITY LINE OF CREDIT

If you are a homeowner, a Pacific Gold Equity Line of Credit is a flexible way to cover major purchases or expenses. A Pacific Gold Equity Line of Credit is a variable-rate, revolving line of credit based on the available equity in your home.

Featuring a lower rate than other types of loans
Continuous access to the approved credit line during the draw period
In most cases, the interest may be tax-deductible¹
May be used for: home improvements; automobile purchases; tuition; balance transfer of higher rate credit cards; and other major purchases

Bank pays all closing costs on lines up to and including $250,000. For lines above $250,000, customer pays appraisal, title, and any applicable government stamps and taxes¹

1Consult your tax advisor and IRS Publication 936 (Home Mortgage Interest Deduction) regarding interest deductibility.

The Pacific Gold Equity Line of Credit has a variable rate feature and the annual percentage rate (corresponding to the daily periodic rate) can change as a result. In addition, the minimum payment may also change as a result.

The annual percentage rate may include costs other than interest. The initial annual percentage rate may be discounted (at a fixed or variable rate), which means it is not based on the Index and margin used for later adjustments. All rates and terms, initial and otherwise, will be disclosed to you in your closing documents.

The Index: The annual percentage rate is based on the value of an index (referred to in this disclosure as the "Index"). The Index is the Prime Rate as published by The Wall Street Journal. When a range of rates has been published, the higher of the rates will be used. Information about the Index is available or published at least weekly in The Wall Street Journal's Money Rates table. We will use the most recent Index value available to us as of the date of any annual percentage rate adjustment. If the Index is no longer available, we will choose a new Index and margin. The new Index will have a historical movement substantially similar to the original Index, and the new Index and margin will result in an annual percentage rate that is substantially similar to the rate in effect at the time the original Index becomes unavailable.

Annual Percentage Rate: To determine the annual percentage rate that will apply to the variable rate portion of your account, we add a margin to the value of the Index. A change in the Index rate generally will result in a change in the annual percentage rate.

COMMERCIAL AND CONSTRUCTION LOAN SERVICES

Residential construction loans
Owner occupied and speculative
Streamlined application process with competitive rates and terms
Lending decisions are made locally

PACIFIC GOLD VISA CHECK CARD

Pacific Gold VISA^® Check Card
For even more convenience, our Pacific Gold ATM/Visa^® Check Card offers the best of both worlds - it is an ATM card and a check card all in one. With our Pacific Gold Visa^® Check Card, you can enjoy carrying a card that:

Is as convenient to use as a credit card, without the finance charges
Works in many places where checks are not accepted
Makes your record keeping easy with all of your purchases and ATM withdrawals listed on your monthly checking statement

PACIFIC VISA CREDIT CARDS

Pacific VISA^® Credit Cards
Enjoy the convenience and flexibility of our Pacific Visa^® Credit Card in Gold or Platinum.

With a Pacific Visa^® Credit Card, benefits include:

Personal Edition Gold:

No annual fee
Low variable annual percentage rate
25 day grace period (purchases)
Free balance transfer option
Automatic payment/Webpay options
Auto rental insurance (availability)
Fraud protection - zero liability
$200,000 common carrier insurance
Convenience checks

Personal Edition Platinum:

DreamMiles^® reward option
- Free airline tickets
- Quality merchandise
- Free cruises
- Hotel and resort discounts
- Shopping awards
- Dining and entertainment awards
No annual fee option
Free balance transfer option
Automatic payment/Webpay options
Auto rental insurance
Fraud protection - zero liability
$500,000 common carrier insurance

Other Services

LOST OR STOLEN PACIFIC GOLD ATM/VISA CHECK CARD

If your Pacific Gold ATM/Visa^® Check Card has been lost or stolen after regular banking hours, please call: (877) 226-2351 immediately to report the loss or theft.

Checking

PACIFIC GOLD CHECKING

Unlimited activity / Basic balances

Pacific Gold Checking offers unlimited check writing ability and a lower minimum balance requirement than our interest checking.

$100 minimum opening deposit.
$10 monthly maintenance fee, waived when:
- Direct deposit of a paycheck or social security check is established, or
- Average collected balance for the month is $1,000 or greater
Pacific Gold Checking includes the following items at no charge
- All ATM transactions at our banking offices
- All ACH (Automated Clearing House) transactions
- Up to $15 credit towards other ATM surcharges
- First order of Pacific Gold Checks
- Overdraft protection when linked to another Pacific Gold account
- Last 12 statements available online

PACIFIC GOLD INTEREST CHECKING

Unlimited activity / Moderate balances

You can earn interest on the funds in your checking account and have unlimited check writing abilities with our Pacific Gold Interest Checking account.

$500 minimum opening deposit
$12 monthly maintenance fee, waived when:
- Direct deposit of a paycheck or social security check is established, or
- Average collected balance for the month is $2,500 or greater
Pacific Gold Interest Checking includes the following items at no charge:
- All ATM transactions at our banking offices
- All ACH (Automated Clearing House) transactions
- Up to $15 credit towards other ATM surcharges
- First order of Pacific Gold Checks
- Overdraft protection when linked to another Pacific Gold account
- 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

PACIFIC GOLD MONEY MARKET CHECKING

Limited Activity/High balances

Enjoy access to your funds and earn interest at a higher yield with a tiered-rate structure that moves in sync with your balances.

$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 ATM transactions at our banking offices
- All ACH (Automated Clearing House) transactions
- Up to $15 credit towards other ATM surcharges
- 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 $9,999.99
- $10,000.00 - $24,999.99
- $25,000.00 - $49,999.99
- $50,000 and above
Certain transactional restrictions apply. Please see your account disclosure for details.

PACIFIC SENIOR CHECKING

Unlimited activity / Interest and Services

Created specially for those over 55, this account is free of a monthly service charge and offers many exceptional features and benefits.

$100 minimum opening deposit
No monthly maintenance fee
When the average collected balance for the month is $1,000 or greater Pacific Gold Senior Checking includes the following items at no charge:
- All ATM transactions at our banking offices
- All ACH (Automated Clearing House) transactions
- Up to $15 credit towards other ATM surcharges
- Up to three Cashier's Checks per month fee-free
- Annual order of Pacific Gold Checks
- Overdraft Protection when linked to another Pacific Gold account
- Last 12 statements available online
- $15 annual credit towards the rental of a safe deposit box; all boxes subject to availability
- Travelers' checks
- Notary service
Interest is calculated and paid as outlined in the account disclosure statement. In general:
- Monthly interest is paid on balances in excess of $2,000
- 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 Senior Checking is available to individuals age 55 or older

Pacific Gold Health Savings Interest Checking

Unlimited activity

Health Savings Accounts (HSA) were created in Medicare Legislation that became law in late 2003. An HSA is an account that allows an individual to save money to pay for qualified medical expenses potentially tax-free. To be eligible to have an HSA, an individual must also have a qualifying High Deductible Health Plan (HDHP). HDHPs are a specific type of health insurance that may be offered by an employer or obtained through an insurance company.

$100 minimum opening deposit
A custodial fee of $6.25 will be assessed quarterly.
Pacific Gold Health Savings Interest Checking includes the following items at no charge:

All ATM transactions at PCNB banking offices
All ACH (Automatic Clearing House) transactions
Unlimited credit towards other ATM surcharges
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

Savings

PACIFIC GOLD SAVINGS

Limited activity / Interest rates increase with balances

With a Pacific Gold Savings Account, the funds are available when you need them. At Pacific Coast National Bank, interest (determined by prevalent market conditions) is earned from the day we receive credit for your deposit to the date of withdrawal and paid at monthly intervals.

$50 minimum opening deposit (waived for CUTMA accounts)
$5 quarterly maintenance fee, waived when:
- The account is held for a minor (under age 18), or
- Average collected balance for the month is $500 or greater
Pacific Gold Savings includes the following items at no charge:
- Unlimited over-the-counter and ATM withdrawals (when made at our banking offices)
- Six (6) electronic withdrawals per month (ACH debits or telephone transfers)
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 $9,999.99
- $10,000.00 - $24,999.99
- $25,000.00 - $49,999.99
- $50,000 and above

SAND DOLLAR SAVINGS

An account designed to encourage younger savers

The Sand Dollar Savings Account is designed to encourage young savers (under age 18). It requires only $1 to open the account and there are no minimum balance requirements. Your child will watch his or her balances grow with each statement. At Pacific Coast National Bank, interest (determined by prevalent market conditions) is earned from the day we receive credit for your deposit to the date of withdrawal and paid at monthly intervals.

$1 minimum opening deposit
No quarterly maintenance fee
Includes the following items at no charge:
- Unlimited over-the-counter withdrawals
- Six (6) transfers 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 CERTIFICATES OF DEPOSIT

Customers' choice of term, balance and payment method

Pacific Gold CDs offer terms to accommodate your individual needs. This Certificate of Deposit (CD) program offers optimum versatility in regard to deposit amount, term and interest payment designation. Individuals and businesses can maximize earnings on reserve funds or funds awaiting capital investment.

$2,500 minimum opening deposit
Terms range from 30 days to 5 years
Rates:
- Vary according to term
- Are based on current market conditions and reviewed periodically
- Are fixed on the date of deposit and fixed for the term selected
Interest Payments Options:
- May be remitted by check annually and upon maturity of the CD
- May be deposited to a Pacific Gold account monthly, quarterly, annually or at maturity
- Added to the principal of the CD upon maturity (or at least annually) and reinvested
Interest is calculated as outlined in the account disclosure statement. Interest rates and annual percentage yields (APY) are included in our rate chart and are subject to change without notice
Certificates of Deposit are available to individuals and businesses
In accordance with federal regulations, CDs redeemed prior to maturity are subject to penalty

PACIFIC GOLD INDIVIDUAL RETIREMENT ACCOUNTS

Customers' choice of term, balance and payment method

Pacific Gold IRAs are invested in our Certificate of Deposit products and offer terms to accommodate your individual needs. We offer Traditional, Roth, Coverdell ESA and SEP products. This Certificate of Deposit (CD) program offers optimum versatility in regard to deposit amount, term and interest payment designation.

$500 minimum opening deposit
Terms range from 1 to 5 years
Rates:
- Vary according to term
- Are based on current market conditions and reviewed periodically
- Are fixed on the date of deposit and fixed for the term selected
Interest Payments:
- Added to the principal of the CD upon maturity (or at least annually) and reinvested
Interest is calculated as outlined in the account disclosure statement. Interest rates and annual percentage yields (APY) are included in our rate chart and are subject to change without notice
A $15 Annual Custodial Fee will be charged per account
In accordance with Federal regulations, CDs redeemed prior to maturity are subject to penalty
In accordance with Federal regulations, IRAs redeemed prior to maturity are subject to certain penalties and taxes. Please consult your tax advisor for more information.

24 HOUR TELEPHONE BANKING

Access to your account on your schedule

For privacy and convenience, our telephone banking system is available 24 hours a day. From a touch-tone telephone, you can easily access your account anytime, anywhere by calling (888) 262-8341. Use our telephone banking service to manage your account seven days a week. With this service, you can quickly and easily:

Obtain account information
Check account balances
Verify recent transactions
Transfer funds between accounts
Change your telephone banking Personal Identification Number (PIN)

To take advantage of this time-saving service, all that you need is your PIN number and telephone keypad.

DIRECT DEPOSIT

For convenience and peace of mind, we accept any electronically generated deposits, including:

Social Security checks
Payroll checks
Retirement benefits, etc.

Online Banking and Bill Pay

Enjoy the convenience of accessing your Pacific Coast National Bank accounts and paying bills anywhere with free Online Banking and Bill Pay. Our secure online banking service lets you manage your accounts via the Web or with your favorite personal finance software.

Access Your Accounts & Pay Bills Online

Free Online Banking--The ultimate in convenience, online banking on the Web gives you free account access wherever you connect to the Internet. With Online Banking you can:

Check account balances
Verify transactions
Transfer funds
View check images and online statements
Download data to Quicken®, Microsoft® Money or spreadsheet software

Free Online Bill Pay-- Enjoy the convenience of paying your bills anytime, anywhere. You just say whom to pay, how much, and when.

Pay anyone with a U.S. address
Schedule payments in advance
Set up recurring payments
Set up E Billing and receive your bills online

Enhanced Login Security

On October 12, 2005 The Federal Financial Institutions Examination Council (FFIEC) released updated guidance on the risks and risk management controls necessary to authenticate the identity of customers accessing Internet-based financial services. The authentication guidance, which applies to both retail and commercial customers, specifically addresses the need for security measures to reliably authenticate customers remotely accessing their financial institutions' Internet-based financial services.

In response to this guidance, Pacific Coast National Bank will be implementing a Multi Factor Authentication or Enhanced Login Security product designed to further safeguard our customers' information.

Enhanced Login Security requires that in order to log into online banking, the user will need something they have and something they know. The something they know will be their password, the something they have will be a cookie which is placed (after enrollment) onto a computer. This process is simple and quick and once you have enrolled a computer you will not need to repeat the process.

As a user, you may register as many computers as you like or if you would like to access online banking from a different location but do not want to register that particular computer you may answer a challenge question as a temporary solution.

From September 27, 2006 through mid November, this feature will be optional for all users. After that point, the Enhanced Security Logon will be mandatory. We encourage our customers to enroll as soon as possible since it only provides you further protection from identity theft and online fraud.

If you have further questions or need additional information, please call your local branch.

Click here for a demonstration of the Enhanced Logon Security.

ATM Cards

Our automated teller machines (ATM) provide access to your account 24 hours a day and our association with the most popular ATM networks allows you to access your accounts from virtually anywhere.

Use our ATM card for a quick and easy way to do your banking 24 hours a day. You can use our ATM card to:

Make cash withdrawals
Check your account balances
Transfer funds between your designated accounts
Pay for groceries, gas, etc.

AUTOMATIC LOAN PAYMENTS

At Pacific Coast National Bank, the convenience of our automatic debit payments for loans will save you time and money. You will enjoy reduced interest rates for loan payments that are automatically deducted from your checking or savings account.

OVERDRAFT PROTECTION

At Pacific Coast National Bank, you can avoid overdrawing your account by having overdraft protection put into place before you need it. Many people prefer to make this part of establishing an account with Pacific Coast National Bank.

You have two options. You may use the balances from a savings or money market account to cover any overdrafts in a checking account, when the accounts are held in the same name. As an alternative, you may apply for an overdraft protection line of credit. Either way, you have peace of mind.

For more information or to apply for any of Pacific Coast National Bank's consumer loans, call us at (949) 361-4300 daily from 9:00 am - 5:00 pm (M-F) or stop by your nearest Pacific Coast National Bank branch office.

PERSONAL INTERNET BANKING

Personal Internet Banking provides everything from a simple account review to the ability to transfer funds, request stop payments, and order new checks. Internet Banking provides an online experience that allows you to bank with us on your schedule, not ours.

With Pacific Coast National Bank's Personal Internet Banking Service you can:

Review account balances
Transfer funds between accounts
View items that have cleared
View images of your cancelled checks, both front and back
View images of your account statements
Enjoy real-time information
Request stop payments
Order checks
View your last 12 month statements

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