IT Security

Everywhere we turn these days it seems as though another IT Security breach is making headline news. Cyber-attacks are continuously becoming more sophisticated and harder to guard against. Now more than ever before, businesses and consumers alike must balance the usability of their internet-connected devices and networks with the security of their information.

For years, businesses across all industries have used the excuse that hackers only target big companies. That justification no longer works. More and more attacks come by way of malware-infected emails spammed to millions of email addresses and drive-by downloads on compromised-legitimate websites on which any user could accidentally stumble. For example, it was widely reported that the method hackers successfully used to attack Target late last year was through the use of a malware-laced email sent to employees of a relatively small HVAC firm that did business with the national retailer. It only takes one employee to click on a link or open an attachment and a business’s entire network (and in this case their client’s network) can potentially be compromised.

Here at River City Bank, IT Security is a top organizational priority. We go to great lengths to keep your data safe and secure. Below are some areas of focus at River City Bank that you may also want to consider for your business:

1. Focus on the people, not just the technology – All River City Bank employees go through annual information security training as well as frequent social engineering (the art of manipulating people so they give up confidential information) testing. We also test our staff with authentic looking phishing emails sent by our internal audit department. We push the envelope to make sure our test emails look as real and the links as inviting as possible. Why? The hackers aren’t making it any easier on us, so why make our tests easy?

MESSAGE FROM THE PRESIDENT

FEATURES

S U M M E R 2 0 1 4 | V O L U M E 6 | I S S U E 2

N E W S A N D I N F O R M A T I O N F O R O U R C L I E N T S

2 Q2 Event Highlights3 & 6 Clients in the News David P Mastagni, St. HOPE Public Schools, Bonney Plumbing Soccer Stadium 6 Employee Highlight 7 Client Profile Cache Creek Foods7 RMA Bank CEO Forum

Stephen A. Fleming, President & CEO

1

SU

MM

ER

20

14

Financial Currents

“ All River City Bank employees go through annual information security training as well as frequent social engineering testing.

CONTINUED ON PAGE 2

”

http://www.rivercitybank.com/ExpectMore.aspxhttp://www.rivercitybank.com

Financial CurrentsN E W S A N D I N F O R M A T I O N F O R O U R C L I E N T S

CLIENTS IN THE NEWS

www.RiverCityBank.com | 916.567.2600 | 2485 Natomas Park Drive, Sacramento, CA

Financial Currents

3

SU

MM

ER

20

14

2

2. Focus on the technology – Network-level intrusion detection and prevention systems guard the perimeter of the Bank’s network. We have next-generation host-based intrusion prevention systems (HIPS) installed on River City Bank computers and servers to protect the Bank from threats that might make it through perimeter security layers.

3. Consider audits your friend – Just ask our Chief Information Officer, Eric Johnson. His team is frequently audited by the Bank’s internal audit department, hired-external auditors, as well as our state and federal regulators. While audits are never “fun,” I know he will agree that his team performs their jobs better because they are audited. All businesses should consider having their technology department (whether in house or outsourced) audited regularly by an independent-third party.

4. Remember the basics – It is still important to pay attention to the fundamental elements of IT security, such as:

a. complex, unique and rotating passwords for each account

b. business-class firewalls with inbound and outbound port restrictions

c. proper network segmentation

d. limited administrative access to servers as well as PCs

I am happy to announce that our Chief Information Officer has developed a few IT Security videos to help educate you on basic IT security practices. I hope you’ll take a moment to view these relatively short educational videos. If you have any further questions or would like more information, please contact Eric Johnson at eric.johnson@rivercitybank.com. He is always happy to address your IT security questions.

CONTINUED

CLIENTS IN THE NEWS: CONTINUED ON PAGE 6

MESSAGE FROM THE PRESIDENT

“ I hope you’ll take a moment to view these relatively short educational videos.”

Stephen A. Fleming, President & CEO

Welcome St. HOPE Public Schools

We are pleased to welcome St. HOPE Public Schools as one of our newest clients. St. HOPE was founded as St. HOPE Academy in 1989 by NBA All-Star and Oak Park native, Kevin Johnson as an after school program. Originally located inside a portable classroom at Sacramento High School, St. HOPE set out to improve public education and the arts, as well as develop opportunities for civil leadership and economic development for inner city students and their communities.

In 2003, St. HOPE Public Schools was launched as a series of three public charter schools and a public preschool with the goal of providing a rigorous and high-quality college-preparatory education, pre-Kindergarten-12th grade, to the youth of Oak Park. The four schools service approximately 1,600 students and today, 90% of its High School students are accepted into four-year colleges.

To read more about St. HOPE and its mission here: sthopepublicschools.org

Watch these IT Security Videos to help educate you on basic security practices.

Congratulations David P Mastagni Recognized for 40 years of Public Service Representation

In May, Mayor Kevin Johnson and the Sacramento City Council recognized David P. Mastagni, Founder and Managing Partner of Mastagni, Holstedt, Amick, Miller & Johnson, for 40 years of devoted service as a legal representative to the public safety associations of Sacramento. Through advocating fair labor practices and compensation for law enforcement officers, firefighters, and first responder associations throughout California, Mr. Mastagni has certainly earned this prestigious recognition. He began legal representation for the public safety associations of Sacramento in 1973 as a sole practitioner. The Mastagni Law firm has since grown to be one of Sacramento’s largest law firms with 47 attorneys and 40 support staff. In addition, Mr. Mastagni recently welcomed another grandchild into his family. Congratulations! Visit mastagni.com for more information.

http://www.RiverCityBank.comhttps://www.rivercitybank.com/Videos.aspxhttps://www.rivercitybank.com/Videos.aspxhttp://sthopepublicschools.org/www.mastagni.comhttps://www.rivercitybank.com/Videos.aspxhttp://www.rivercitybank.com/ExpectMore.aspx

Financial Currents

www.RiverCityBank.com | 916.567.2600 | 2485 Natomas Park Drive, Sacramento, CA

Second Quarter Event HighlightsLocal Inventor and Business Success Story, Chris Johnson, Presented at Q1 Executive ForumRiver City Bank had the pleasure of hosting Chris Johnson, inventor and founder of Rapid Ramen, at the Q1 Executive Forum. A Sacramento entrepreneur and businessman, Johnson shared with attendees his experiences of launching a new product in the Sacramento and national marketplaces.

Truly a local business success story, Johnson first operated Rapid Ramen from his garage in Sacramento. Growing rapidly, the business has seen great success both locally and nationally. As demand for the product grew, Johnson was able to increase production without leaving the area. Today, the company employs dozens of Sacramento residents and expects to continue growing.

A University of California, Davis graduate, Johnson developed his idea for the Rapid Ramen during his undergraduate studies. Since its initial product launch, Johnson was featured on ABC’s Shark Tank, where he pitched his company and negotiated an impressive investment deal with business magnate Mark Cuban.

About Rapid Ramen:Rapid Ramen, Inc. produces and sells the Rapid Ramen Cooker – the world’s fastest and easiest way to cook ramen noodles. The product can be found at retailers across the nation, such as Walmart, CVS, Walgreens, Safeway, Winco, and Raleys. For more information on Rapid Ramen, please visit them online: rapidramen.com.

1 Steve Bender, Warren G. Bender; Chris Johnson, Rapid Ramen, Inc. and Steve Fleming, River City Bank2 Rod Okamoto, Nutrishare, Inc. and Doug Saton, Douglas N. Sato, CPA3 Jay Lenzmeier, CONSOL and Pat Lewis, River City Bank4 Debi Hammond, Merlot Marketing; Kristi Rolak, United Corporate Furnishings, Inc.; Larry Chillemi, The Lyman/Tremont Group5 Christine Gutierrez, River City Bank; Curt Olsen, Olsen Fielding Moving Services and Joe Aguilar, Vavrinek, Trine, Day & Co., CPAs6 Edward Johnson, Warren G. Bender, Co.; Chris Johnson, Rapid Ramen, Inc. and Eric Johnson, River City Bank7 Chris Johnson, Rapid Ramen, Inc.

4 5

SU

MM

ER

20

14

6

3

2

5

4

1

Financial CurrentsN E W S A N D I N F O R M A T I O N F O R O U R C L I E N T S

7

http://www.RiverCityBank.comhttp://rapidramen.com/http://www.wgbender.com/http://rapidramen.com/http://www.nutrishare.com/http://www.consol.ws/http://www.merlotmarketing.com/http://www.ucfinc.com/http://www.lymanaggroup.com/http://www.gr8move.com/http://www.vtdcpa.com/

Financial CurrentsN E W S A N D I N F O R M A T I O N F O R O U R C L I E N T S

Financial Currents

6

CLIENTS IN THE NEWS CONTINUED CLIENT PROFILE

RMA BANK CEO FORUM

Cache Creek Foods

Risk Management Association (RMA) Bank CEO Forum

A year later, William enlisted the help of his son-in-law, Matthew Morehart, an experienced businessman, who helped expand Cache Creek Foods into the respected business and leading manufacturer of all-natural, superior tree nut ingredients that we enjoy today.

Cache Creek Foods is committed to providing the finest, freshest products to beverage and food manufacturers, private labels, and natural foods distribution grocery and snack trades. All of their tree nuts are of the highest grade and meet the strictest specifications.

Visit cachecreekfoods.com for more information.

Founded in 1914, The Risk Management Association (RMA) is a not-for-profit, member-driven professional association, whose sole purpose is to advance the use of sound risk principles in the financial services industry. RMA’s chapters provide services and networking opportunities for our members on the local level. For more information about RMA, please visit community.rmahq.org.

Located in Woodland, California, Cache Creek Foods is a third generation, family-owned and operated food ingredient manufacturer of natural tree nut based products. The idea to establish the company originated with William A. Shade. An entrepreneur at heart, he founded Cache Creek Foods in 1993 to better utilize his crop on his 300 acre walnut orchard and develop new tree nut ingredients for local and national clients.

On May 22, 2014, River City Bank’s President & CEO, Steve Fleming, participated in the Risk Management Association of Sacramento’s Annual Bank CEO Forum “Charting the Course.” The discussion covered the ever-increasing regulatory burdens that banks face in today’s economy. The panelists provided their viewpoints on topics that encompassed credit, capital, earnings, mergers & acquisitions, and strategy.

Sacramento Soccer Stadium Named after Bonney Plumbing

River City Bank is excited for our client, Bonney Plumbing, Heating, Air and Rooter Service for receiving the naming rights to the new Soccer Stadium in Sacramento. In April 2014, Sacramento Republic FC soccer team announced the stadium naming-rights agreement with Bonney. The first game at Bonney Field was June 20 when Republic FC plays the Colorado Rapids Reserve. The multi-use sports field facility will be located on the California State Fairgrounds, approximately 2 miles from downtown Sacramento. Visit bonney.com to learn more. Congratulations Bonney Plumbing!

7

SU

MM

ER

20

14

EMPLOYEE HIGHLIGHT

Meet Christine Gutierrez, Assistant Vice President and Relationship Manager

loan bank in the Czech Republic after the dissolution of the USSR, where he served as Chairman of the Board.

In 2011, Christine joined the River City Bank team as a Commercial Banking Trainee and gained valuable experience underwriting a wide range of loans from commercial and industrial lines of credit to agricultural, commercial real estate and construction loans. In 2014, she was promoted to Assistance Vice President, Relationship Manager and now manages a commercial banking portfolio with clients reporting up to $50 million in revenues and loans up to $6 million in size.

Christine holds a degree in Finance and a second degree in International Business from Sacramento State Uni-versity. In her spare time, she enjoys being adventurous with her husband by traveling, skiing, scuba diving, and riding motocross. She also enjoys spending time with friends and family.

Inspired by the philosophy of Paulo Coelho, author of The Alchemist, Christine Gutierrez believes that “It is precisely the possibility of realizing a dream that makes life interesting.” This mentality instilled strength and bravery within Christine, which ultimately allowed her to leave her hometown across the world and start a new life in our local community of Sacramento.

Originally from Friedrichsfehn, Germany, Christine’s first job was as an intern at her maternal grandparents’ man-ufacturing company Liedtke Antriebstechnik. However, it was her paternal grandfather who ignited her passion for finance with his stories about his banking career. His extensive career began with German Bank BHW and cul-minated with his founding of the first private savings and

Christine Gutierrez

http://www.rivercitybank.com/ExpectMore.aspxhttp://www.rivercitybank.com/ExpectMore.aspxhttp://www.cachecreekfoods.com/http://community.rmahq.orghttp://www.bonney.com/press_releases/bonney-field/http://www.rivercitybank.com/bankroll/Home.aspxhttps://www.twitter.com/rivercitybankhttp://www.youtube.com/user/RiverCityBankhttp://www.facebook.com/rivercitybankhttp://www.linkedin.com/company/river-city-bankhttp://www.rivercitybank.comhttp://www.rivercitybank.com/ExpectMore.aspxhttp://www.rivercitybank.com/ExpectMore.aspxhttp://www.linkedin.com/company/river-city-bank

Button 1: Button 31: Button 30: Button 33: