Investor Relations

Shareholder Meeting:

May 7, 2009

To see current stock price and recent activity:

Ticker symbol: ARBV.OB

Investor Materials:

We are honored to be the first locally owned and managed community bank to open in Santa Barbara in the past twenty years. If you are an investor in the bank and have questions regarding your investment, do not hesitate to contact us. We will periodically update you on progress, and look forward to a long-term relationship.

The Board of Directors and Management of American Riviera Bank are committed to following "best practices" in corporate governance, full disclosure and investor communication. Although the Bank is not currently governed by the full requirements of the Sarbanes-Oxley Act of 2002, certain provisions will apply to our activities. In addition, American Riviera Bank recognizes that full compliance with Sarbanes-Oxley will eventually be required and intends to plan for the adoption of these practices early in the operation of the Bank.

Listed below is the transfer agent for the common stock. Additionally, the securities firms shown below may be contacted as they may have securities available for purchase or sale from time to time.

Transfer Agent

Computershare Trust Company, N.A

PO Box 43078

Providence, RI 02940

www.computershare.com

P 800.962.4284

F 312.601.2312

Overnight Address:

250 Royall Street

Canton, MA 02021

Market Makers

Stone & Youngberg LLC, Member, NYSE

Attention Michael Natzic, Senior Vice President

PO Box 1688

Big Bear Lake, CA 92315

mnatzic@syllc.com

www.syllc.com

P 800.288.2811

Overnight Address:

42605 Moonridge Road

Big Bear Lake, CA 92315

Wedbush Morgan Securities, Member, NYSE

Attention Joey Warmenhoven, Senior Vice President

4949 SW Meadows Rd, Suite 100

Lake Oswego, OR 97035

P 800.569.2138

Outside Auditor

Perry-Smith

Attention Michael Wengel, Certified Public Accountant

400 Capitol Mall, Suite 1200

Sacramento CA 95814

P 916.492.5109

F 916.441.1110

American Riviera Bank Representative

Michelle Martinich, Chief Financial Officer

P 805.730.4992

F 805.965.8523

mmartinich@americanrivierabank.com