BEGIN:VCARD
VERSION:3.0
REV:2026-04-11T09:36:50Z
N;CHARSET=utf-8:Kristen Desmond;;;;
FN;CHARSET=utf-8:Kristen Desmond
ORG;CHARSET=utf-8:American Riviera Bank
TITLE;CHARSET=utf-8:Vice President, Corporate Secretary
EMAIL;INTERNET:kdesmond@arb.bank
TEL;PREF;WORK:805-730-7882
ADR;WORK;POSTAL;CHARSET=utf-8:;;;Santa Barbara;;;
URL:https://americanriviera.bank/page/management
END:VCARD