American Riviera Bank opened for business on July 18, 2006 in Santa Barbara, California with the support of approximately 400 local shareholders. The Bank is a full service community bank, focused on serving the lending and deposit needs of businesses and consumers in on the Central Coast. The Bank has three branches, a commercial lending center and a residential lending office in the Santa Barbara area, as well as a branch and lending office in both San Luis Obispo and Paso Robles. As a state-chartered non-member bank, the Bank is subject to regulation by the California Department of Financial Institutions (the “DFI”), and the Federal Deposit Insurance Corporation (the “FDIC”). The Bank’s deposits are insured by the FDIC up to applicable legal limits. FDIC and EHL