NOTICE OF PRIVACY POLICY

This policy is effective as of January 1, 2009.

In this disclosure, you will find details about our privacy policies and procedures regarding how we safeguard information about you. We want you to know that we take this aspect of our jobs very seriously.

• We do not sell customer information to third parties.
• We do not share customer information with outside parties who may wish to market their products to you. You do not have to take any action or instruct us to keep your information confidential. We will protect your privacy automatically.
• Within American Riviera Bank, we safeguard your customer information carefully. When you are no longer a customer of the bank, we will continue to safeguard this information.
• We are committed to protecting your customer information in every transaction, at every level of our organization.

  For this purpose, we have designed procedures, standards and technology, which are described in our policy.

• We are committed to helping you protect your privacy every day.

  On our web site, you'll find tips to help you protect yourself from identity theft, and limit direct marketing from outside companies.

The American Riviera Bank Privacy Policy describes how we protect and use your customer information. We believe that protecting your privacy is an integral part of the customer service we provide to you. This is the reason why we do not share customer information with outside parties who may wish to market their products to you.

At American Riviera Bank, we value your relationship, and we work diligently every day to honor the trust you place in us. Thank you for banking with American Riviera Bank.

HOW WE PROTECT AND USE CUSTOMER INFORMATION

1. We begin by safeguarding the security and integrity of customer information.

   We are committed to protecting the security and integrity of customer (and former customer) information through procedures and technology designed for this purpose. For example:

   • We limit employee access to customer information to those who have a business reason to know this information. Employees and directors are required to honor our code of conduct, which includes standards to protect customer confidentiality. They are subject to disciplinary action if they fail to do so.
   • We maintain policies and procedures covering the proper physical security of workplaces and records.
   • Our physical, electronic, and procedural safeguards meet or exceed federal standards regarding the protection of customer (and former customer) information
   • We require independent contractors and outside companies who work with us to adhere to strict privacy standards through their contracts with us.
   • We use technological means (such as backup files, virus detection and eradication software, firewalls, and other computer software and hardware) to protect against unauthorized access or alterations to customer data.
2. We collect and maintain customer information as part of servicing your account and your customer relationship.

   In the course of serving you, we collect information about you from a variety of sources, such as:

   • Information you provide to us on applications or forms, such as your income and accounts with others
   • Information we receive from an outside company, such as a credit bureau, regarding your credit history or employment status
   • Information about your transactions or experiences with companies affiliated with American Riviera Bank
3. The customer information we collect is used to serve your accounts and meet your financial needs.

   Information may be used by American Riviera Bank, as well as with authorized third parties (described in section 4), for a number of purposes, such as:

   • To protect your accounts from unauthorized access or identity theft
   • To process your requests such as loan applications, purchases, and ATM withdrawals
   • To service your accounts by issuing checks, ATM cards, and account statements
   • To keep you informed about financial services of interest to you
4. We do not share information with outside parties who may wish to market their products to you.

   We may disclose the information we collect, as described above, with nonaffiliated third parties that are acting on our behalf, including:

   • Companies that perform support services for us, such as data processors, technical systems consultants and programmers, check printers, or companies that help us market American Riviera Bank products and services to you. We may also share certain information with companies that help us conduct surveys or marketing research. These companies can not use the information for any other purpose.

   There are other situations when we may disclose to third parties the customer information we collect as permitted or required by law. Third parties could include government entities, courts or other entities (in response to subpoenas and other legal processes), and those with whom you have requested us to share information.

   Important Notice about Credit Reporting:

   We may report information about your account(s) to credit bureaus and/or consumer reporting agencies. Late payments, missed payments, or other defaults on your account(s) may be reflected in your credit report and/or consumer report.

5. Within American Riviera Bank, we share information so that we can work together to serve you.

   We may disclose all of the information we collect, as described above, within American Riviera Bank, such as our administrative units which, for example, service your accounts or prepare your account statements.

6. Important contact information for current customers.

   Please note you may receive marketing information by mail about your existing American Riviera accounts or receive survey calls. Marketing information may be included in regular account mailings and statements, when you visit us online or at an ATM.

7. Trust Accounts, State Laws.

   Trust accounts, for which American Riviera Bank is the trustee, are protected under special rules of confidentiality, and trust account information is not shared for marketing purposes without specific consent.

AT AMERICAN RIVIERA BANK, we do not sell customer information (or former customer information) or share it with outside third parties who may wish to market their products to you. We will protect your privacy automatically.

The policies and practices described in this disclosure are subject to change, but we will communicate any significant changes to you as required by applicable law. The policies and practices described in this disclosure replace all previous notices or statements regarding this subject.

If you have any questions, please call us at (805) 965-5942 or by mail at:

American Riviera Bank
1033 Anacapa Street
Santa Barbara, CA 93101