FEDERAL RESERVE BANK of ATLANTA



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MARIA SMITH Assistant Vice President FEDERAL RESERVE BANK of ATLANTA June 18, 2008 1000PeachtreeStreet, N.E. Atlanta, Georgia 30309-4470 404.498.7104 fax 404.498.7302 mariasmith@atl.frb.org Mayra Rivera Glendale, Arizona 85301 Re: Criminal Conviction - Prohibition from Banking Industry Dear Ms. Rivera: The Federal Reserve Bank of Atlanta has become aware that you were convicted upon a plea of guilty of theft in connection with your employment by Compass Bank. A copy of your judgment of conviction is attached. Because you have been convicted of a crime involving dishonesty or breach of trust, you are automatically subject to the prohibitions set forth in Section 19 of the Federal Deposit Insurance Act, as amended ("Section 19")( 12 U.S.C. 1829) for banking organizations and in Section 205 of the National Credit Union Act, as amended ("Section 205(d)") (12 U.S.C. 1785(d)) for insured credit unions. Section 19 and Section 205(d) prohibit youfrombecoming or continuing as an institution-affiliated party with respect to any of the banking organizations or credit unions described below. This means that you may not, among other things, act as an employee, officer, director, or agent of these banking organizations or credit unions. Nor may you otherwise participate, directly or indirectly, in the conduct of the affairs of any of these organizations. You are also prohibited from directly or indirectly owning or controlling any insured depository institution or holding company. These statutes do not prohibit you from being a normal, armslength customer of a banking organization or credit union, such as having a loan, checking or savings account. The prohibitions of Section 19 and Section 205(d) cover all insured depository institutions, including, but not limited to, any bank, savings association or credit union, and their holding companies, as well as Edge corporations and Agreement corporations. The Federal Deposit Insurance Corporation may grant written consent for you to engage in otherwise prohibited conduct with respect to insured depository institutions, and the Federal Reserve may grant written consent with respect to bank holding companies and Edge and Agreement corporations. The Office of Thrift Supervision may grant consent with respect to savings and loan association holding companies. The National Credit Union Administration Board may grant consent for insured credit unions. The automatic prohibition does not cover non-bank subsidiaries of bank holding companies or uninsured branches or agencies of foreign banks, unless the appropriate federal banking agency takes further action against you. [Page Break]

FEDERAL RESERVE BANK of ATLANTA Page 2 Should you engage in prohibited conduct without obtaining the required consentfromthe appropriate agency, you could be subject to daily criminal fines of up to $1,000,000 or up to five years imprisonment. This letter will be posted on the website of the Board of Governors of the Federal Reserve System. If you believe that the prohibitions of Section 19 and Section 205(d) do not apply to you, because, for example, your conviction has been reversed on appeal, or for any other reason, please contact Assistant Vice President John Atkinson in writing at this Reserve Bank. Sincerely, Maria Smith cc: Stephen Meyer Assistant General Counsel Board of Governors Legal Division - Mail Stop 13 Washington, D.C. 20551 Director, Department of Supervision National Credit Union Administration 700 Central Parkway Suite 1600 Atlanta, Georgia 30328 Todd Veleber Regional Security Manager Compass Bank 15 South20thStreet Birmingham, Alabama 35233 Tricia Squillante Compass Bank Central Point of Contact Federal Reserve Bank of Atlanta Special Activities Section Division of Supervision Federal Deposit Insurance Corporation 55017thStreet N.W. Washington, D.C. 20429 Superintendent of Financial Institutions State Banking Department 2910 North44thSt., Suite 310 Phoenix, Arizona, 85018 Larry Turoff, Attorney Criminal Division Maricopa County Attorney's Office 301 West Jefferson, Suite 800 Phoenix, Arizona 85003 Elizabeth Mullins, Attorney Maricopa County Public Defender's Office 620 West Jackson Street, Suite 4015 Phoenix, Arizona 85003

Michael K. Jeanes, Clerk of Court *** Filed *** 11/19/2007 8:00 AM COMMISSIONER CHARLES DONOFRIO III CLERK OF THE COURT L. Dagna Deputy STATE OF ARIZONA CYNTHIA L GIALKETSIS v. MAYRA RIVERA (001) DOB: 05/19/1986 ELIZABETH M MULLINS APO-SENTENCINGS-CCC APPEALS-CCC DISPOSITION CLERK-CSC RFR VICTIM SERVICES DIV-CA-CCC SUSPENSION OF SENTENCE - PROBATION GRANTED 10:37 a.m. Courtroom ECB 712 State's Attorney: Defendant's Attorney: Defendant: Larry Turoff Elizabeth Mullins Present A record of the proceedings is made by audio and/or videotape in lieu of a court reporter. Count(s) 1: WAIVER OF TRIAL: The Defendant knowingly, intelligently and voluntarily waived all pertinent constitutional and appellate rights and entered a plea of guilty. IT IS THE JUDGMENT of the Court Defendant is guilty of the following: OFFENSE: Count 1 (Amended) Theft Page 1

Class 6 designated felony A.R.S. 13-1801, 1802; 12-114.01; 13-610, 701, 702, 702.01 and 801 Date of Offense: on or between July 5, 2007 and July 8, 2007 Non Dangerous - Non Repetitive IT IS ORDERED suspending imposition of sentence and, under the supervision of the Adult Probation Department (APD), placing the defendant on probation for: Count 1 Probation Term: 2 years To begin 11/15/2007. Conditions of probation include the following: Condition 16 - Restitution, Fines, and Fees: PROBATION SERVICE FEE: Count 1 - $50.00 per month, beginning 01/01/2008. RESTITUTION: Count 1 - $1691.63 payable $100.00 per month, beginning 01/01/2008, to the following persons: Compass Bank (Business) $1691.63 Restitution ledger provided; priority of payment as stated in the restitution ledger. ASSESSMENTS: Count 1: PROBATION SURCHARGE: $10.00 Count 1: Time payment fee pursuant to A.R.S. 12-116 in the amount of $20.00. All amounts payable through the Clerk of the Superior Court. Condition 17 - Not consume or drink any substance containing alcohol. Condition 18 - Not have any contact with the victim(s) whatsoever, unless approved in writing by the Adult Probation Department. Condition 24 - Participate and cooperate in any counseling or assistance as directed by the APD as noted in the Uniform Conditions of Supervised Probation. Page 2

Condition 25 - Abide by the Special Conditions of Probation as noted on the attachment to the Uniform Conditions of Supervised Probation. Condition 26 - Other: Within 24 hours of sentencing/and or change or additional employment, disclose present offense in its entirety to the hiring authority, and provide proof to the supervising probation officer within 24 hours of disclosure. IT IS FURTHER ORDERED that Defendant must submit to Deoxyribonucleic Acid (DNA) testing for law enforcement identification purposes and pay the applicable fee for the cost of that testing in accordance with A.R.S. 31-281 and/or A.R.S. 13-610. The presentence investigation report is filed under this cause number. 10:43 a.m. Matter concludes. Page 3

Defendant's thumbprint is permanently affixed to this sentencing order in open court. Signed by Commissioner Charles Donofrio III Judicial Officer of the Superior Court (thumbprint) Page 4