USA PATRIOT ACT

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT OR FOR A

REQUEST FOR CREDIT — To help the government fight the funding of terrorism and money laundering

activities, federal law requires all financial institutions to obtain, verify, and record information that identifies

each individual or business that opens an account or request credit.

What this means for individuals: When you open an account or request credit, we will ask for your name,

address, date of birth, Social Security number, and other information that will allow us to identify you. We may

also ask to see your driver’s license or other identifying documents.

What this means for businesses: When a business opens an account or requests credit, we will ask for the

business name, business address, Employer Identification Number (EIN), and other information that allows u to

identify the business and signatories. We may also ask to see other identifying documents showing existence

of the business.