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Who is ARB's transfer agent and how do I contact them?
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The Bank's transfer agent is American Stock Transfer & Trust Company (AST). Their contact information is as follows: 

Shareholder Services Call Center

Address

AST
6201 15th Avenue
Brooklyn, NY 11219

Email

Website

www.astfinancial.com

How do I become a shareholder?
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You can purchase shares through our transfer agent, American Stock Transfer & Trust Company (AST) or most other stock brokers. Out stock ticker symbol is ARBV.

Who do I contact to replace lost stock certificates or to transact on stock certificates?
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Please contact our transfer agent, American Stock Transfer & Trust Company (AST).

What does it mean to be well-capitalized?
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Well-capitalized means the Bank has enough capital from outside investors and/or its own operating activities to operate without major financial constraints.

When a bank is less than well-capitalized, certain mandatory and discretionary actions occur. These actions become increasingly onerous as the capital classification declines and capital restoration/corrective action becomes critical. Additional discretionary actions can be taken against the bank, management or directors with respect to restoring or maintaining the safety and soundness of the bank.

Does ARB pay dividends?
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Not at this time.

Is ARB publicly traded?
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Yes.

What is ROA and ROE in banking?
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ROA (return on assets) is an indicator of how well a bank utilizes its assets in terms of profitability. ROE (return on equity) is a measurement of financial performance calculated by dividing net income by shareholders' equity.

What are loan-loss provisions?
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Loan-loss provisions are in Income Statement expense set aside to allow for potential uncollected loans and loan payments.

What is unaudited income?
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Unaudited income is income that has not been subject to an independent verification and review process by an outside auditor

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Michelle Martinich

Executive Vice President, Chief Financial Officer

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