RIVER CITIES BANK PRIVACY
STATEMENT
 The
following privacy principles were established to maintain
the security, integrity, and confidentiality of your
personal financial information.
Categories of Information We Collect
We routinely collect and retain the information we obtain
from your account applications, transaction history
(for deposits, loans, credit cards, etc.) and from consumer
reports. This information helps us:
• To establish and administer your accounts.
(Example: We ask for personally identifying information
to protect your accounts from fraud.)
• To satisfy certain regulatory requirements.
(Example: When you open an account that pays interest,
we are required by the Internal Revenue Service to obtain
your social security number.)
• Better understand you so that we may provide
you with additional or improved products and services.
(Example: We require information concerning your credit
history and assets to determine if you qualify for loan
approval.)
Categories of Information That We Disclose
We do not disclose any nonpublic personal information
about our customers or former customers to anyone, except
as permitted by law.
Disclosure As Permitted By Law
We may disclose all of the information we collect, as
described above to companies that perform marketing
services on our behalf or to other financial institutions
with whom we have joint marketing agreements.
Collection and use of Personal Online Information
You may visit any section of our website to find out
more about the Bank, the products we offer and events
we are planning without providing any personal information.
Communication at this level is not in a "secure"
environment and is not encrypted.
All communications between you and River Cities Bank
when using our e-Banc product (to inquire into account
information or perform a transaction) are conducted
in a secure environment, with all information being
transmitted in an encrypted format.
If you choose to contact us via e-mail, please keep
in mind that your e-mail address and any other information
your e-mail header shows about you, such as your name
or organization, will be revealed to us in the e-mail.
We pledge that when you communicate with us via e-mail,
we will use your e-mail information only for the specific
purpose of responding to your comments or questions.
How is That Information Protected?
Access to your personally identifiable financial information
is limited to employees with a specific business reason
for utilizing this data. Our employees are educated
about the importance of maintaining confidentially and
customer privacy. If necessary, we take appropriate
disciplinary steps to enforce our employees' responsibility
to protect your very personal information.
In order to prevent unauthorized access to your information,
we maintain security standards and procedures that conform
with industry practices. These security standards and
procedures are routinely tested to verify the integrity
of our systems.
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