Consumer Privacy Statement Protecting your privacy is important to Two River Community Bank and our employees. We want you to understand what information we collect and how we use it. In order to provide our customers with a broad range of financial products and services as effectively and conveniently as possible, we use technology to manage and maintain customer information. The following policy serves as a standard for all Two River Community Bank employees for collection, use, retention, and security of nonpublic personal information. What Information We Collect We may collect "nonpublic personal information" about you from the following sources: Information we receive from you on applications or other loan and account forms, Information about your transactions with us or others, and Information we receive from third parties, such as credit bureaus. "Nonpublic personal information" is nonpublic information about you that we obtain in connection with providing a financial product or service to you. For example, nonpublic personal information includes information regarding your account balance, payment history and overdraft history. What Information We Disclose We are permitted under law to disclose nonpublic personal information about you to other third parties in certain circumstances. For example, we may disclose nonpublic personal information about you to third parties to assist us in servicing your loan or account with us, to government entities in response to subpoenas, and to credit bureaus. We do not disclose any nonpublic personal information about you to anyone, except as permitted by law. If you decide to close your account(s) or become an inactive customer, we will continue to adhere to the privacy policies and practices described in this notice. Our Security Procedures We also take steps to safeguard customer information. We restrict access to your personal and account information to those employees who need to know that information to provide products or services to you. Employees who violate these standards will be subject to disciplinary measures. We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your nonpublic personal information. If you have any questions, please contact a Customer Service Representative at 1.877.706.9009. Internet Privacy Statement Your privacy on the Internet is very important to Two River Community Bank. Because we gather certain types of information about the visitors to our website, we feel you should fully understand the terms and conditions surrounding the capture and use of that information. This privacy statement discloses what information we gather, how we use it, and who has access to it. Cookies A cookie is a small data file that certain websites write to your hard drive when you visit them. A cookie file can contain non-personal information such as a user ID that the site uses to track the pages you've visited. Cookies can't read data off your hard disk or read cookie files created by other sites. Cookies usually expire when a user turns off the browser, when the web server has determined that the transaction is complete, or at a specified date. If you've set your browser to warn you before accepting cookies, you will receive the warning message with each cookie. You can refuse cookies by turning them off in your browser, and you do not need to have cookies turned on to use our website. Two River Community Bank uses cookies to track user movement through our site, remember repeat visitors, and optimize navigation. What Other Information is Collected? At our website, we also request personal information such as name, postal address, email address, telephone and fax numbers, domain names and IP addresses. This information is provided to us strictly on a voluntary basis, such as when a user contacts us for information. How is the Information Used? The information we collect is used to enhance the user's web experience at our site, for internal tracking purposes, and to enable us to contact users who request more information. With Whom is the Information Shared? We will not disclose, sell, display or make available to third parties any personal information we capture from our website. PATRIOT Act Disclosure The USA PATRIOT Act requires banks to take extra security precautions to help the government fight the funding of terrorism and money laundering activities. Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. These new procedures are designed to prevent crimes, such as identity theft and account fraud, that terrorists commit to finance their operations against the U.S. and its citizens. Your Understanding and Cooperation Are Needed When you open or make a change to your account at Two River Community Bank, you will be asked for your name, address, date of birth, and other identification information. You may also be asked for your driver’s license or other identifying government issued documents. The required verification may be inconvenient, but is a strong deterrent to terrorists and other criminals. You can rest assured that you will only be asked for information required by the law, and that information will be used only for purposes of complying with the law. Your privacy is a top concern, and we, as your bank, will respect and protect it always, consistent with the law’s requirements.