Introductory BSA/AML Examiner School, Atlanta, CA

BSA: 31000035658363

BSAR Transcript BSA: 31000035658363 and DCN:

Narrative

WESTAMERICA BANK HAS ELECTED TO FILE A SUPPLEMENTAL SAR ON CUSTOMERS, DEBBIE SMITH, AND

MARTHA JONES, FOR CONTINUING TO CONDUCT SUSPICIOUS CASH DEPOSITS AND CASHIER CHECK

PURCHASES. SARS HAVE BEEN PREVIOUSLY FILED ON 03/19/2013 AND 06/14/2013 TO REPORT A TOTAL OF

$70,855 IN SUSPICIOUS CASH DEPOSITS AND CASHIERS CHECK PURCHASES BETWEEN 12/14/2013 AND

06/13/2013. THE ATWATER BRANCH MAINTAINS A PERSONAL CHECKING ACCOUNT #160-956488 SINCE OPENING

11/13/2012 AND A MONEY MARKET SAVINGS ACCOUNT #160-956702 OPENED 10/22/2012 IN THE NAMES OF DEBBIE

SMITH OR MARTHA ELAINE JONES. DEBBIE SMITH IS THE OWNER OF DEBBIE’S FINE CLOTHING AND MARTHA

ELAINE JONES IS A SALES ASSOCIATE AT DEBBIE’S FINE CLOTHING. DURING A REVIEW OF THE ACCOUNT

ACTIVITY FROM 07/01/2013 THRU 10/21/2013, IT WAS REVEALED THAT MS. SMITH AND MS. JONES MADE A TOTAL

OF $29,400 IN CASH DEPOSITS TO PURCHASE $28,765.17 IN CASHIERS CHECKS. THE CREDIT ACTIVITY ON

ACCOUNT #160-956488 INCLUDED CASH DEPOSITS OF $9,980 ON 07/01/2013, $4,700 ON 08/30/2013, $5,120 ON

09/27/2013, AND $5,800 ON 10/18/2013 MADE BY DEBBIE SMITH. NO OTHER ITEMS WERE DEPOSITED INTO THIS

ACCOUNT DURING THE REVIEW PERIOD. A REVIEW OF THE DEBIT ACTIVITY FROM ACCOUNT #160-956488

INCLUDED MONTHLY SERVICE CHARGES AND THE FOLLOWING CASHIERS CHECK PURCHASES: DATE

CHECK # AMOUNT PAYABLE TO 07/01/13 350582 $ 9,980 TOMS 08/30/13 350683 $ 4,700

ROCK REVIVAL 09/27/13 350719 $ 5,375.77 ROCK REVIVAL 10/18/13 350767 $ 641.22

ROAR

10/18/13 350768 $ 797 ROAR 10/18/13 350769 $4,912.02 ROCK REVIVAL NO

OTHER DEBIT ACTIVITY WAS CONDUCTED ON THIS ACCOUNT. THE CREDIT ACTIVITY ON ACCOUNT #160-956702

INCLUDED A $3,700 CASH DEPOSIT ON 09/04/2013 MADE BY MARTHA JONES. NO OTHER ITEMS WERE

DEPOSITED INTO THE ACCOUNT DURING THIS REVIEW PERIOD. A REVIEW OF THE DEBIT ACTIVITY FROM

ACCOUNT #160- 956702 INCLUDED THE FOLLOWING CASHIERS CHECKS PURCHASES; DATE CHECK #

AMOUNT PAYABLE TO 09/04/13 350691 $ 1,496.91 BUFFALO 09/04/13 350692 $ 862.25

BUFFALO NO OTHER DEBIT ACTIVITY WAS CONDUCTED ON THIS ACCOUNT. BASED ON THE LACK OF

ACTIVITY ON THESE ACCOUNTS OTHER THAN THE CASH DEPOSITS AND THE PURCHASES OF CASHIERS

CHECKS CONSISTENTLY UNDER THE REPORTING THRESHOLD, A SUPPLEMENTAL SAR IS FILED FOR REVIEW.

THE BANK WILL C ONTINUE TO MONITOR THE ACCOUNT FOR FURTHER ACTIVITY AND FILE A SUPPLEMENTAL

SAR IF REQUIRED. NO LOSS WAS INCURRED TO BANK. THE FOLLOWING SUPPORTING DOCUMENTATION

UTILIZED IN PREPARATION OF THIS REPORT IS MAINTAINED BY THE BANK BSA DEPARTMENT AND IS

AVAILABLE UPON REQUEST: SIGNATURE CARD, MONTHLY STATEMENTS OF AFFECTED ACCOUNT(S) FOR THE

REFERENCED TIME FRAME, AND COPIES OF THE REFERENCED TRANSACTIONS (WITH OFFSETS, IF

APPLICABLE). PLEASE CONTACT R C, AVP/BSA MANAGER AT (707)863-6622 EMAIL

Page 2 The enclosed information was collected and disseminated under provisions of the Bank Secrecy Act (the BSA) and U.S. Department of the Treasury regulations implementing the BSA. See 31 U.S.C. 5311, et seq.; 31 CFR Chapter X. The information is sensitive in nature and is to be treated accordingly. The information may be used only for a purpose consistent with a criminal, tax, or regulatory investigation or proceeding, or in the conduct of intelligence or counterintelligence activities, including analysis, to protect against international terrorism. See 31 U.S.C. 5311. The information cannot be further released, disseminated, disclosed, or transmitted without prior approval of the Director of Financial Crimes Enforcement Network or his authorized delegate. Suspicious activity reports filed under the BSA must be treated with particular care given that they contain unsubstantiated allegations of possible criminal activity, akin to confidential informant tips. Unauthorized release of information collected under the BSA may result in criminal or civil sanctions.