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Chris Danielartner, Corporate Departmenthrisdaniel@paulhastings.com

hris Daniel serves as chair of the Payment Systems practice and is a partner

the Corporate department. He is recognized as one of the country's leadingtorneys in payment systems law, including electronic payments, mobileayments, prepaid cards, virtual and digital currencies, and money transmission.

hris focuses his practice on financial institutions and other companiesarticipating in the banking and payment systems of the United States, Europe,nd Asia. He has significant experience advising clients on issues related tovestments into payment systems companies and banks in the U.S., Europe,

nd Asia (including China), creation of settlement networks, joint ventures in theayments context, the regulatory issues related to prepaid cards, the EUsayment Services and E-Money Directives, Chinas Administrative Measures fore Payment Services Provided by Non-financial Institutions, global moneyansmission, and anti-money laundering and terrorist financing issuessociated with payments.

pecific to the United States, Chris has a particular focus in state moneyansmitter statutes, state unclaimed property statutes, state gift card statutes,e federal Gift Card Act, the federal Bank Secrecy Act, Regulation E,egulation Z and other state and federal statutes bearing on the provisions ofayments.

ecent Representations

Advised the worlds largest payments network on a joint venture to offer mobilepayments in India

Advised the worlds largest payments network on the development of a globalmoney transmission productAdvised a highly regarded Private Equity firm on acquisitions or investmentsinto payment systems companies in the U.S., EU, and ChinaAssisted in the acquisition of five of the first seven licenses granted by the FSA

Atlanta

T: 1(404) 815-2217F: 1(404) 685-5217

Practice Areas

Financial ReformPayment SystemsGlobal Banking and PaymentSystemsBank RegulatoryPrivacy and Data SecurityFinancial ServicesFinanceCorporate

Admissions

Georgia Bar

Education

University of KentuckyCollege of Law, J.D., 1995Wake Forest University, B.A.,1987

Atlanta, Beijing, Brussels, Chicago, Frankfurt, Hong Kong, Houston, LondonLos Angeles, Milan, New York, Orange County, Palo Alto, Paris

San Diego, San Francisco, Seoul, Shanghai, Tokyo, Washington DC

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under the new Payment Services Directive;Advised the worlds largest social network on the creation of virtual currency

Represented numerous clients as they became licensed as a moneytransmitter in the 48 states with money transmitter statutesAdvised clients on the creation of multiple stored value or prepaid cardprograms in the U.S., EU and ChinaA member of the team that assisted Bank of America in a strategic alliance andoutsourcing venture to provide electronic bill payment and presentment,involving a $500 million equity investmentRepresents the largest card association in its creation of novel financial

productsRepresents the nations largest stored value card issuer on a variety ofregulatory issues

ccolades and Recognitions

Chris has been named one of the Leading Lawyers in Banking & Finance byChambers USA in 2008, 2009, 2010, 2011, and 2012.

peaking Engagements and PublicationsChris is a frequent lecturer on matters relating to payment systems.Hosts the Paul Hastings Bank Regulatory/Payment Systems Teleconferenceseries, and frequently speaks at conferences and for organizationsCo-chaired the ACI Conference on Emerging Payment Systems (WashingtonD.C., November 2010)Co-chaired and spoke at the ACIs Third Annual Forum on Prepaid CardCompliance (Washington D.C., June 2010) The CARD Act and Reg. E:

Responding to the Feds New Gift Card Rule

rofessional and Community Involvement

Member of the American, Georgia and Atlanta Bar AssociationsPreviously served in the U.S. Air Force from 1987 - 1992 where he was anInstructor Pilot for the Euro-Nato Joint Jet Pilot Training Program which trainsthe majority of NATO's fighter pilots.

ducationUniversity of Kentucky College of Law, J.D., 1995 (magna cum laude, ArticlesEditor for The Journal of Natural Resources and Environmental Law)Wake Forest University, B.A., 1987 (cum laude, with honors in Economics,Member of the 1986 NCAA Championship Golf Team)

Atlanta, Beijing, Brussels, Chicago, Frankfurt, Hong Kong, Houston, LondonLos Angeles, Milan, New York, Orange County, Palo Alto, Paris

San Diego, San Francisco, Seoul, Shanghai, Tokyo, Washington DC

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ews

ugust 21, 2013

aul Hastings Advises Skrill Group in 600 Million Acquisition by CVC Capitalartners

une 05, 2013

aul Hastings Extensive Practice Strength Highlighted in The Legal 500 Unitedtates 2013

May 27, 2013

aul Hastings Employment Practice Honored with Chambers Award forxcellence and Firms Leading Practices and Lawyers Ranked in ChambersSA 2013

une 07, 2012

aul Hastings Excels in Chambers USA 2012 Guide

March 27, 2012

aul Hastings Represents Monitise plc. on 109m acquisition of Clairmail

uly 21, 2011

aul Hastings Strengthens Banking and Payments Practice With Top Regulatoryawyer From Federal Reserve

une 10, 2011

aul Hastings Excels in Chambers USA 2011 Guide

une 01, 2011

aul Hastings Soars in 2011 Edition of Legal 500 US

une 14, 2010

aul Hastings Garners Top Rankings in Chambers USA 2010 Guide

nuary 28, 2008

aul Hastings Bolsters Bank Regulatory Practice with the Addition of V. Gerardomizio to the Washington, D.C. Office

Atlanta, Beijing, Brussels, Chicago, Frankfurt, Hong Kong, Houston, LondonLos Angeles, Milan, New York, Orange County, Palo Alto, Paris

San Diego, San Francisco, Seoul, Shanghai, Tokyo, Washington DC

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ublications

May 13, 2013

rends in Electronic Payments

ovember 29, 2012

FPB Announces More Changes to Come for Remittance Rule, Delayedmplementation

May 24, 2012

eorgias Newly Minted Merchant Acquirer Limited Purpose Bank Charterresents Potential Opportunities...and Risks

ugust 15, 2011

nCEN Prepaid Access Rule Imposes New Compliance Duties on Non-BankMoney Services Businesses

ugust 11, 2011

ed Interchange Rule: Beyond First Impressions

uly 08, 2010

nCENs Proposed Prepaid Access Rule

March 23, 2009

ow to Buy Loans Originated by Failed Financial Institutions from the FDIC

March 23, 2009

ublic-Private Investment: A Three Prong Program for Legacy Assets

Atlanta, Beijing, Brussels, Chicago, Frankfurt, Hong Kong, Houston, LondonLos Angeles, Milan, New York, Orange County, Palo Alto, Paris

San Diego, San Francisco, Seoul, Shanghai, Tokyo, Washington DC

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ebruary 10, 2009

nal Rule on Deposit and Sweep Accounts for Depository Institutions

ebruary 03, 2009

ongressional Agenda Could Accelerate Banking Agency Rules on Unfair Creditard Practices and Consumer Disclosures Understanding the New Rules

nuary 29, 2009

DAP Crackdown A Closer Look at the UDAP Analysis Underlying New Creditard Rules

ecember 01, 2008

ecent FDIC Guidance on Providing Banking Services to Payment Processorsr How to Avoid Engaging in Rent-A-Bin Relationships

ovember 25, 2008

ew General Counsels Opinion No. 8 The FDIC Provides Clarity on Depositsurance and Assessments on Funds Underlying Stored Value Cards

ctober 22, 2008

ESA Update: TARP-CPP Application Process and Interagency Coordinationound Two

ankings & Awards

une 07, 2012

hambers USA 2012

11 lawyers and 40 practices were included in Chambers USA 's 2012 list ofading lawyers and law firms in the United States.

Atlanta, Beijing, Brussels, Chicago, Frankfurt, Hong Kong, Houston, LondonLos Angeles, Milan, New York, Orange County, Palo Alto, Paris

San Diego, San Francisco, Seoul, Shanghai, Tokyo, Washington DC

Chris Daniel (Continued)