Privacy Notice

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share and protect your personal information. Please read this notice carefully to understand what we do.

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

• Social Security number and income
• Account balances and payment history
• Credit history and credit scores

When you are no longer our customer, we continue to share your information as described in this notice.

All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons River Community Bank, N.A. chooses to share, and whether you can limit this sharing.

YES

no

yes

no

NO

no

NO

no

NO

no

NO

no

NO

NO

River Community Bank, N.A.
ATTN: Compliance Officer
P.O. Box 1224
Martinsville, VA 24114

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We continually assess new technology for protecting our customers' personal information.

We collect your personal information, for example, when you

• Open and account or deposit money
• Pay bills or apply for a loan
• Use your credit or debit card
• Make deposits or withdrawals from your account

Federal Law gives you the right to limit only

• Sharing for affiliates' everyday business purposes – information about your creditworthiness
• Affiliates from using your information to market to you
• Sharing for nonaffiliates to market to you.

State laws and individual companies may give you additional rights to limit sharing.

Companies related by common ownership or control. They can be financial and nonfinancial companies.

River Community Bank, N.A., under the Fair Credit Reporting Act, has the right to share with our affiliates regarding our transactions or experiences with you. Our affiliates will not use any information for marketing solicitations. No other information will be shared with our affiliates unless instructed by you to do so. River Community Bank, N.A. affiliates are:

• Mainstreet Title Agency, LLC
• Lighthouse Title Insurance, Inc.
• AES Title Partners, LLC. dba RCB Title

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

River Community Bank, N.A. does not share with nonaffiliated third parties so they can market to you. In some cases, and as permitted by law, your personal information must be shared with nonaffiliated third parties in order to administer our business, provide superior service and offer opportunities that we think will be of interest to customers. These third party firms are required to maintain the confidentiality of your personal information to the extent as required by River Community Bank, N.A. and are not allowed to disclose your information to anyone else, except as required or permitted by law, without your permission.

A formal agreement between nonaffiliated financial companies that together market financial products or service to you.

River Community Bank, N.A. does not share with nonaffiliated third parties so they can market to you. In some cases, and as permitted by law, your personal information must be shared with nonaffiliated third parties in order to administer our business, provide superior service and offer opportunities that we think will be of interest to customers. We may disclose the information we collect about you as described to these third party firms. These third party firms are required to maintain the confidentiality of your personal information to the extent as required by River Community Bank, N.A. and are not allowed to disclose your information to anyone else, except as required or permitted by law, without your permission.