Disclosures

PRIVACY POLICY

What does RiverBank do with your personal information?

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.

UNLAWFUL INTERNET GAMBLING ENFORCEMENT ACT

Unlawful Internet Gambling Enforcement Act (UIGEA) of 2006

The UIGEA, signed into law in 2006, prohibits any person engaged in the business of betting or wagering (as defined in the Act) from knowingly accepting payments in connection with the participation of another person in unlawful internet gambling. The Department of Treasury and the Federal Reserve Board have issued a joint final rule, Regulation GG, to implement this Act.

As defined in Regulation GG, unlawful internet gambling means to "place, receive or otherwise knowingly transmit a bet or wager by any means which involves the use, at least in part, of the internet where such bet or wager is unlawful under any applicable Federal or State law in the State or Tribal lands in which the bet or wager is initiated, received or otherwise made".

As a customer of RiverBank, you agree that such transactions will not be conducted through your account, and that you will notify the Bank should your account be used for internet gambling of any kind. Please be advised that should the Bank discover your account is being used for such restricted transactions, we may terminate your access to certain payment systems and/or close your account.

Please see one of our Bankers if you would like additional information on UIGEA or Regulation GG.

VISA© DEBIT CARD INFORMATION

This message is to inform you about amendments to Visa's operating rules regarding non-Visa debit transactions*. Visa has requested that we inform you annually of the following information:

Your RiverBank Visa-branded debit card is enabled for non-Visa debit transactions, which means your card may be used for debit transactions without a Personal Identification Number (PIN). These types of transactions are enabled on the STAR Network, a PIN-Debit Network**. This network is not a Visa network.

Through the STAR Network, it may be possible to process a non-VISA debit transaction with certain merchants without the use of a PIN. These types of transactions are usually conducted by telephone, through the Internet, or at kiosk locations.

STAR Network merchants are required to display the STAR logo. STAR Network merchants must also allow you to choose how your payment is directed. Thus, you could see the STAR logo and choose to direct your payment through the STAR Network. In addition, STAR Bill Payments are not authenticated with a PIN; instead the merchant authenticates your identity using known information derived from an existing relationship with you. When you conduct a PIN-less non-Visa network, the cardholder provisions specific to Visa transactions (such as the Visa zero-liability program) do not apply.

RiverBank's Visa-branded debit card can also be used in the VISA Network. To initiate a payment, you must select a payment option that sends your transaction over the Visa network. Examples of the type of actions you may be required to make to initiate a Visa transaction on a Visa-branded debit card include signing a receipt, providing a card number over the phone or via the Internet, or swiping the card through a point-of-sale terminal.

*Non-Visa Debit Transaction-(effective July 1, 2008), an act between a Visa Check Card or Visa Debit Card Cardholder and a merchant that results in the generation of a transaction on a PIN-Debit Network.

**PIN-Debit Network-(effective July 1, 2008), a non-Visa debit network that typically authenticates transactions by use of a PIN that is not generally known as, marketed as, or enabled as a competitive general-purpose card program, or other prohibited payment program, either directly or through a joint acceptance agreement.