Privacy Notice

ONLINE PRIVACY POLICY STATEMENT

Two Rivers Bank & Trust (TRB&T), and our affiliates are committed to providing the highest level of security and privacy regarding the collection and use of our customer’s personal information.  Keeping your financial information secure is one of our most important responsibilities.  We value your trust and handle your personal information with the greatest of care.  Our employees access information about you only when needed to maintain your accounts or when considering a request from you for additional services.  We maintain standards and procedures designed to prevent misuse of this information.

Security Procedures to Protect Information
We safeguard information according to established security standards and procedures to help prevent unauthorized access to confidential information about you.  Our technology is periodically updated and tested to continue to provide you with the highest level of protection of your privacy and to assure the integrity of your information.

Online banking transactions transmitted between you and our online banking vendor use a 128-bit secure server by VeriSign encrypted with Secure Sockets Layer (SSL) protocol and a router loaded with a firewall to regulate the inflow and outflow of server traffic.  Using this high level of technology, your online banking transactions are secure.

Collection and Use of Personal Information
The collection of personal information is designed to protect access to your personal accounts and to assist the bank in providing you with the products you want and need.  All personal information collected by the bank is used for specific business purposes only to protect and administer your personal accounts and transactions, to comply with state and federal regulations, and to help the bank better understand your financial needs in order to design or improve our products.

Maintenance of Accurate Information
We have implemented procedures to help assure that our customer’s financial information is accurate, current and complete in accordance with commercially reasonable standards.  While some procedures are required by Federal or State law, we also have procedures for responding to requests to correct inaccurate information in a timely manner, and update information promptly.  Customers should notify us immediately by calling 319-753-9100 if they receive what they believe to be inaccurate information regarding their TRB&T account.

Limited Employee Access to Personal Information
TRB&T limits employee access to your personal information to only those bank administrators with a business reason for knowing such information.  TRB&T also educates all employees about the importance of confidentiality and customer privacy.  We take appropriate measures to enforce employee privacy responsibilities to further safeguard the privacy of your personal information.  Our employees are very well versed in complying with personal information principles.

Restrictions on the Disclosures of Account Information 
We do not reveal specific information about our customers’ accounts, or other personally identifiable data, to parties outside our affiliated companies, unless (1) our customer has requested or authorized it; (2) the information is provided to complete a transaction initiated by the customer; (3) the information is provided to a reputable credit bureau or similar information reporting agency; or (4) disclosure is lawfully permitted or required.  We do not provide personal information to non-affiliated companies for the purpose of independent telemarketing or direct mail marketing.

Maintaining Your Privacy in Business Relationships with Parties Outside Our Affiliates
Sometimes it is necessary to provide personally identifiable information about you to a party outside our bank such as a vendor or service company that we hire to prepare your account statements or to provide support or service for one or more of our products.  These vendors and service companies agree to safeguard our confidential information about you and your products and services with us and must abide by applicable law.

“Cookie” Technology
Many commercial web sites use a technology called “cookies” to provide you with tailored information from their web site.  The bank's web site does not use “cookie” technology to identify individual users unless illegal behavior is suspected.  We will be using cookies on our website to identify which location for Two Rivers Bank was used by the customer the first time they visited http://www.tworiversbank.com/ so that they can return to their local location directly the next time without going through the splash page. 

Our online banking providers also use cookies to capture a footprint of the user’s computer for multi-factor authentication purposes so the user does not have to register their PC each time they visit a particular site.  This allows the PC to be registered with a single identifier that uses secure cookies and Macromedia Flash shared objects.  Each time a user logs in, the fingerprint is checked to see if it has been registered with the user code that has logged in.  This prevents anyone from logging into a customer’s account from a different computer even if they possess the customer’s username and password. 

Our Internet Web Site
Visitors to the bank’s web site remain anonymous.  We do not collect personal identifying information about site users, unless you choose to submit such information on our feedback form.  Standard software is used to collect and store ONLY the following non-identifying information about our visitors:

• the name and the internet service provider from which you accessed the internet,
• the date and time you accessed our site, and
• the internet address of the web site from which you linked directly to our site.

Visitors may elect to provide us with personal information via e-mail or our feedback form.  This information is used internally, as appropriate, to handle the sender’s request and manage the bank’s web site.  It is not disseminated or sold to other organizations.  Visitors should, however, keep in mind that e-mail is not necessarily secure against interception.  If you do not agree with the use of this information, or are not comfortable with this level of privacy, please use the clear button on the feedback form or cancel the e-mail before it is sent.  Visitors should call us directly at 319-753-9100 if requests include sensitive or private information, such as your account number, credit card numbers of PIN number for your TRB&T ATM card or other bank cards.  Two Rivers Bank & Trust is committed to protecting your privacy.

Our intent throughout our online presence is to collect only the information we need to deliver excellent service, use that information responsibly and keep you fully informed of how that information is being used.

On Line Applications
At this time, TRB&T does not accept any on line applications.  If this changes in the future, you will need to review our privacy statement.

Protecting Children
The bank does not knowingly solicit data from children, and we do not knowingly conduct online marketing to children.  We recognize that protecting children’s identities and privacy is important and the responsibility to do so rests with both the online industry and with parents.

If you believe the bank has misused information obtained through our relationship with you or through our web site, or if you have any questions or concerns regarding this privacy policy, please contact Two Rivers Bank & Trust at 319-753-9100 to resolve the dispute.