REG GG - UIGEA

This Notice is provided in accordance with the Unlawful Internet Gambling Enforcement Act of 2006 and Regulation GG: Effective June 1, 2010.

The UIGEA, signed into law in 2006, prohibits any person engaged in the business of betting or wagering (as defined in the Act) from knowingly accepting payments in connection with the participation of another person in unlawful internet gambling. Regulation GG implements this Act.

As defined in Regulation GG, unlawful internet gambling means to "place, receive, or otherwise knowingly transmit a bet or wager by any means which involves the use, at least in part, of the internet where such bet or wager is unlawful under any applicable Federal or State law in the State or Tribal lands in which the bet or wager is initiated, received, or otherwise made."

A "restricted transaction" is defined as a transaction or transmittal involving any credit, funds, instrument, or proceeds that the Act prohibits any person engaged in the business of betting or wagering from knowingly accepting in connection with the participation of another person in unlawful internet gambling. Restricted transactions generally include, but not limited to, those in which credit, electronic fund transfers, checks, or drafts are knowingly accepted by gambling businesses in connection with the participation by others in unlawful internet gambling.

These restricted transactions are prohibited from being processed through your account or banking relationship with us. If you engage in an internet gambling business, we reserve the right to close your account relationship in whole or in part. We also may block any suspected restricted transaction.

This Notice and continued use of the account, receipt of interest, making of payments constitutes a certification to The Bank of Delmarva on an ongoing basis that you do not place, receive, or transmit bets or wagers by any means that involves the internet (Internet Gambling).

You understand that The Bank of Delmarva does not process Internet Gambling transactions. You will need to notify us immediately if you become involved in Internet Gambling and prior to conducting any restricted transactions. You understand that should The Bank of Delmarva determine in its sole discretion that you are engaged in Internet Gambling, The Bank of Delmarva may block such suspected Internet Gambling transactions and restrict or close any affected account relationship with The Bank of Delmarva, in addition to exercising any other remedies provided under our agreements with The Bank of Delmarva or applicable law.

Additional information can be obtained by calling (410) 548-1722.