Investor Relations

Shareholder Meeting:

April 30, 2008

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
www.computershare.com

Attn: Syed Hussaini
1745 Gardena Ave
Glendale CA 91204
P 818.254.6136
F 818.502.0674

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 Jeff Jones, 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