Pacific Capital Bancorp (PCB) is a community bank holding company providing full service banking, including consumer and commercial lending, trust and investment advisory services, and other consumer and business banking products through its subsidiaries’ retail branches, commercial and wealth management centers, and other distribution channels to consumers and businesses primarily located in the central coast of California. PCB has five wholly owned subsidiaries, Pacific Capital Bank, National Association (the Bank or PCBNA), a banking subsidiary and four unconsolidated subsidiaries. The Company has four operating segments: Community Banking, Commercial Banking, Wealth Management and Refund Anticipation Loan (RAL)/ Refund Transfer (RT) Programs. In January 2008, PCBNA acquired REWA, which provides personal and financial investment advisory services to individuals, families and fiduciaries. In November 2008, the Bank opened a third commercial and wealth management center in Torrance.