February 20, 2009

Debit Card Holders:

You may have received news reports recently of a security breach involving large numbers of debit and credit card accounts. This breach involved a large payment processor of merchant transactions, Heartland Payments Systems of Princeton, NJ.

Since you are a customer of River Bank and Trust, we are providing an update on the situation and how some of your transactions processed by this company may be affected by this breach. We have been working closely with Visa to identify all impacted cardholders and are taking appropriate actions to notify you to stay informed.

On January 20, 2009 Heartland Payment Systems issued a press release announcing that
they have been a victim of a security breach within their processing system.

Read Heartland Payment Systems press release here

Heartland has assured the industry and the public that the breach was limited to only credit/debit card information-  including information on the magnetic stripe, but did not
include cardholder social security numbers, unencrypted personal identification numbers (PIN), addresses or telephone numbers.

While not all accounts will experience any fraudulent transactions, it is important for all
cardholders to closely monitor their statements as it can take months for charges to appear after a security breach.

Heartland Payments Systems has set up a website to keep Merchants, Cardholders, and Issuers informed of the latest information regarding the data breach. Please visit
www.2008breach.com for the most up-to-date information.

Additional links to some general Q & A’s for your reference.

Heartland FAQ

Visa FAQ

We would like to assure all our customers that we are monitoring this situation closely and are utilizing all available analysis, detection and prevention programs in order to minimize fraud.

For any additional questions please call your local River Bank and Trust office.

Sincerely,

River Bank and Trust