0001019056-09-001155 Sample Contracts

●] Shares American River Bankshares Common Stock UNDERWRITING AGREEMENT
Underwriting Agreement • November 25th, 2009 • American River Bankshares • State commercial banks • California

Howe Barnes Hoefer & Arnett, Inc. As representative of the several Underwriters named in Schedule I hereto c/o Howe Barnes Hoefer & Arnett, Inc. 222 South Riverside Plaza 7th Floor Chicago, Illinois 60606

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