On approach into OAK, I was left-hand seat in the Cessna 182, and my wife was working the radio with the following transmissions:

OAK Tower:
"Cessna 1234, cleared to land. Caution: banner-towing plane crossing in front of you."

Cessna 1234:
"Cleared to land — and we have the banner on the right and the plane on the left."

OAK Tower:
[silence]

Gary Cook
via e-mail