Pursuant to Section 313 of the USA PATRIOT Act and final rules issued by the

U.S. Department of the Treasury, a U.S. bank or a U.S. broker-dealer in

securities (a "Covered Financial Institution") is required to obtain certain
information from any "Foreign Bank" that maintains a correspondent account
with it. This information must be issued in the form of a Patriot Act
Certification ("PAC") (also referred to as a Global Certification) which meets
the minimum requirements set forth by Section 313.
A PAC is valid for three (3) years from the date of execution. On or before the
end of the three (3) year period, a re-Certification must be issued and obtained
regardless of whether all material facts such as full legal name, ownership,
physical place of business, authorized agent, etc., remain the same. A PAC
must also be updated and re-issued any time there is a material change. The
date of expiration, however, remains three (3) years from date of original
execution.