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FACTS WHAT DOES TWO RIVERS BANK & TRUST DO WITH YOUR PERSONAL INFORMATION?
Why? 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.
What? The types of personal information we collect and share depend on the product or service you have with us. The information can include:
  • Social Security number and accountbalances
  • Payment history and transaction history
  • Overdraft history and checking accountinformation
How? 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 the Two Rivers Bank & Trust choose to share; and whether you can limit this sharing.
Reasons we can share your personal information Does Two Rivers share? Can you limit this sharing?
For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus Yes No
For our marketing purposes – to offer our products and services to you No We do not share
For joint marketing with other financial companies Yes No
For our affiliates’ everyday business purposes – information about your transactions and experiences No We do not share
For our affiliates’ everyday business purposes – information about your creditworthiness No We do not share
For our affiliates to market to you No We do not share
For nonaffiliates to market to you No We do not share
Questions? Contact us at 888-226-6063, or www.tworivers.bank/about-us/contact-us.html
Who We Are
Who is providing this notice? Two Rivers Bank & Trust
What We Do
How does Two Rivers protect my personal information? 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 restrict access to your personal information to only those employees who need to know. We require companies with whom we share information to keep it confidential.
How does Two Rivers collect my personal information? We collect your personal information, for example, when you
  • Apply for a loan
  • Pay your bills
  • Open an Account
  • Seek Advice about your investments
  • Give us yourcontact information
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can’t I limit all sharing? 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 right to limit sharing.
What happens when I limit sharing for an account I hold jointly with someone else? Your choices will apply to everyone on your account — unless you tell us otherwise.
Definitions
Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.
  • Two Rivers Bank & Trust has no affiliates
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
  • Two Rivers does not share with nonaffiliates so they can market to you.
Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
  • Two Rivers Bank & Trust has a joint marketing agreement with ICBA BanCard & TCMBank to market to you our consumer credit card products.