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									                                       SUPER PREMIER BANK
                         Informative   Trans Pacific National Bank is pleased to announce that
                                       we have been rated a "SUPER PREMIER" bank for the fourth
                         from Your                                                                                 TRADE FINANCE
                                       year in a row. We are the only independent bank in San Francisco
                         Financial                                                                                 Trans Pacific National Bank
                         Partner in    to have this rating.This rating is published each year by The Findley
                                       Reports and "Super Premier" is the highest ranking attainable. This         is very pleased to announce
                                       designation is highly regarded and recipients are recognized throughout     that we have opened a
                         AUGUST                                                                                    correspondent account with
                                       the California banking industry as institutions achieving exceptional
                         2004                                                                                      the Bank of China, New York.
                                       financial performance. The Findley Reports publishes the most
                                       comprehensive financial institution analysis offering comparison,           We have exchanged a "SWIFT"

                                       performance, and evaluation of California's banking industry.               test key with all branches of
                                                                                                                   Bank of China and this will
                                                                                                                   allow us to remit funds and
                                                                                                                   issue letters of credit for our
                                       TRANS PACIFIC NATIONAL BANK                                                 clients to all of their branches
                                       MORTGAGE LOANS                                                              worldwide. This is a rare
                                                                                                                   relationship for a bank of our
                                       Whether you're refinancing your existing loan or buying a new home,
                                                                                                                   size and is an acknowledgement
                                       we have a loan product that will fit your needs. This program has a
                                                                                                                   of the success and sophistication
                                       full range of products including 10, 15, and 30-year fixed rates as well
                                                                                                                   of our products and services in
                                       as adjustable 1, 3, and 5-year rates. Most importantly, our rates are
                                                                                                                   our International Trade
                                       competitive with the largest institutions in the country. Loans are
                                       available for your primary residence, a second home, condominiums,
                                       and investment residential property anywhere in the United States.          In addition to Bank of China,
                                                                                                                   Trans Pacific National Bank has
                                       One outstanding feature of our mortgage program is our guaranteed
                                                                                                                   established account relationships
                                       one fee program. This program is different from most mortgage rate
                                                                                                                   with Union Bank of California,
                                       quotes where you are simply given a rate and later find out about all
                                                                                                                   Wells Fargo, Bank of America,
                                       the hidden costs. Our program provides you with a simple "upfront"
                                                                                                                   and American Express Bank.
                                       quote for a single dollar amount fee that combines all of the lender
                                                                                                                   These relationships allow us
                                       and third party closing costs. This includes origination fees, discount
                                                                                                                   to process direct payment and
                                       points, underwriting and processing fees, appraisal fee, credit reports,
                                                                                                                   letters of credit to their branch
                                       lender's title insurance and related title services, flood certification,
                                                                                                                   locations worldwide.
                                       tax service fees, recording fees, lender attorney fee (if required),
                                       and survey (if required). This single fee is guaranteed not to increase     For any inquiries, please
                                       once you lock your rate (assuming your loan terms stay the same).           contact our International Trade
                                       In some cases, you may not have to pay anything and actually                Department located in our
                                       even get a rebate.                                                          San Francisco Main Office.

                                       Applying for a mortgage loan is simple and you will be working
                                       directly with the TPNB loan officers that many of you already know.
                                       So call us or stop by and get a quote !

                                       EQUAL HOUSING
                                                       Member FDIC
 FINANCIALS                                   CLIENT PROFILE
 TRANS PACIFIC                                MOOSE BOATS
 REPORT OF CONDITION                          The New York Harbor police bought one. The U.S. Navy has
 (unaudited, in thousands)
 March 31, 2004                               bought twelve. A private citizen has one at Lake Tahoe, and another
                                              has taken one to Mexico. What the agencies and individuals bought
 Assets                                       are Moose boats, an aluminum hulled catamaran that can be
 Cash/Cash Equivalents          $     4,314   outfitted with water jet propulsion engines and 50 caliber machine
 Investments                         30,596   guns, or fishing equipment for civilian enthusiasts. Fast, rugged and
 Loans – net                        101,601
                                              maneuverable, these boats operate efficiently in deep water and heavy
 Premises – net                       1,577
 Other Assets                         5,792   seas or next to shore where they might be used in rescue work or
                                              as escorts for larger naval craft. The catamaran hulls reduce roll and
 Total Assets                   $ 143,880
                                              provide superior sea handling capabilities. As the company's marketing
 Liabilities & Capital                        director explains: "Our goal at Moose Boats is to design and build
 Deposits                       $ 109,745     functional, good-looking, rugged boats for people who know boats
 Other Liabilities                 18,910     and really use boats. Our boats are designed for a broad range of
 Capital                           15,225     applications. Our skilled craftsmen build each of our new designs
 Total Liabilities                            with the best materials and components available. Our boats are
   & Capital                    $ 143,880     built tough and able to withstand the tests of the sea and wear
                                              of time. They are performance boats that work in almost
                                              any sea and weather conditions."

                                              A division of Ironwind, Inc., which was founded in 1989 to
                                              design and manufacture trade show exhibits, Moose Boats was
                                              founded in 1999 by Roger and Catherine Fleck. Originally founded
                                              as a manufacturer of pleasure boats, the company began building for
                                              the government and the military after the navy saw a Moose boat at a
                                              commercial boat show in New Orleans. The navy then helped Moose
                                              Boats get GSA (General Services Administration) approval, which
                                              enabled the navy to purchase a military version.

                                              Ironwind has been banking with Trans Pacific National Bank
                                              since 1990. In addition to deposit accounts, banking services include
T R A N S                                     various credit facilities to support purchasing equipment and the
                                              company's rapidly growing manufacturing business.
  T R A N S
  A C
  B A N K
                                              OUR SAN FRANCISCO OFFICE
                                                            HAS MOVED !
 SAN FRANCISCO                                                                 At the end of February of this year,
 MAIN OFFICE                                                                   our San Francisco office moved
 55 Second Street, Suite 100                                                   across the street to 55 Second Street,
 San Francisco, CA 94105-4546
 TEL:(415) 543-3377
                                                                               San Francisco, CA 94105. The branch
 FAX:(415) 495-5154                                                            is located on the ground floor with
                                                                               the administration and international
 EAST BAY OFFICE                                                               departments located on the 5th floor.
 1442 Webster Street                                                           For your convenience, we now have
 Alameda, CA 94501-3339
        (510) 769-1000
                                                                               an ATM located around the corner
 FAX:   (510) 769-1180                                                         from the branch on Stevenson Street.
                                               TRANS PACIFIC NATIONAL BANK’S   All the phone and fax numbers have
 PENINSULA OFFICE                              New San Francisco Office
 915 Ralston Avenue                                                            remained the same so give us a call
 Belmont, CA 94002-2207                                                        if you have any questions.
 TEL:   (510) 769-1000
         650 802-8988
 FAX:   (510) 769-1180
         650 802-8285

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