Patriot Act

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

American Riviera Bank has always been committed to maintaining customer confidentiality. We appreciate this opportunity to explain our privacy practices to you.

As part of our banking business, we obtain certain "nonpublic personal financial information" about you, which for ease of reading we will refer to as "information" in this notice. This information is obtained from various sources and includes information we receive from you on applications or other forms, such as your name, address, social security number, assets and income, information about your transactions with us, our affiliates or others, such as your account balance, payment history and credit card history, and information we receive from a consumer reporting agency, such as your credit worthiness and credit history.

We restrict access to the information about you to authorized individuals who need to know this information to provide service and products to you.

We maintain physical, electronic, and procedural safeguards that protect your information.

We do not disclose this information about you or any former customers to anyone, except as permitted by law. You do not need to call, or do anything as a result of this notice. It is meant to inform you of how we safeguard your nonpublic personal financial information. If you would like further information on our privacy policies, please call us at (805) 965-8592. You may wish to file this notice with your bank records.