River Bank & Trust’s Commitment to Customer Privacy

River Bank & Trust is committed to respecting our current and former customers’ right to privacy. We value the trust you have placed in us to maintain the security and confidentiality of your financial information, and we want to protect the personal and financial information you have entrusted with us.

Collection, Use, and Retention of Customer Information

River Bank & Trust collects, uses, and retains information about individual customers only where we believe it would be useful (and allowed by law) to administer business and to provide products, services, and other opportunities for our customers. We collect information about you only for specific purposes. We use information not only to administer your accounts but also to protect them. We also use information to understand your financial needs and design products and services that we believe will be beneficial for you. Information will be used only within the parameters established by our privacy principles.

The main reason we collect information about you is to provide the products and services that you request. This nonpublic personal information may be collected from a variety of sources such as the following:

• Information that you provided to us on applications or other River Bank & Trust forms such as income, social security number, e-mail address, assets or debt information;
• Information about your transaction history with us or our affiliates such as account balances, account activity and usage, and payment history;
• Information that we receive from a credit bureau that includes credit history and employment verification.

We may use and retain nonpublic personal information that we collect about you to accomplish the following:

• To provide you with a product or service that you have requested;
• To protect you by identifying you and preventing unauthorized persons from accessing your information or accounts;
• To provide you with a superior customer service experience;
• To offer you additional financial products or services from us, our affiliates, or other financial services providers that may be of interest to you;
• To comply with reporting and other legal requirements.

Maintaining Customer Privacy in Business Relationship with Third Parties

If personally identifiable customer information is provided to a third party, River Bank & Trust will require the third party to adhere to similar privacy principles that keep such information confidential.

Maintaining Customer Privacy on the Internet

River Bank & Trust has a website designed to allow you to access needed information about your accounts in a convenient but very secure format. Our website, and any information stored on it, is protected from unauthorized access. Our internet banking service provider maintains a secure environment. Any customer transaction initiated through our internet banking applications are also covered by the principles in our Privacy Policy. River Bank & Trust does ask you to register personal computers that you commonly use to access your financial information. Computers are registered using a cookie. A cookie is a small text file that we save on your hard drive to help us ensure that only authorized individuals can access financial information. On a registered computer, you are not asked questions when you sign on – making it faster to access your account information. We don’t recommend registering public computers or computers you use infrequently to access your financial information online. When you use these computers, we will ask you additional questions before you sign on to protect your personal information.

Maintaining Accurate Information

River Bank & Trust has established procedures to ensure that a customer’s financial information is accurate, current, and complete in accordance with reasonable commercial standards. We will respond to requests to correct inaccurate information in a timely manner. You should contact us at (334)290-1012 if you have any concerns about the accuracy of your information or this Privacy Policy.