With the Internet as the fastest growing form of commercial exchange in the world, the need for tighter security is paramount. To provide you the peace of mind you rightfully deserve, RCB Bank has implemented nationally recognized, sophisticated networking architecture consisting of data encryption throughout the transmission to prevent unauthorized access or interception. In fact, an encrypted transaction made on this secured Internet connection is more secure than dialing the bank direct with PC banking systems. RCB Bank has your privacy, protection, and peace of mind at the forefront of our bank's Website and NetTeller Banking solution.

Collection and Use of Information
When you initially enter our Website, we collect and store the domain from which you access the Internet (for example, aol.com, if you are connecting from an America Online account). In addition, records will show the date and time, as well as the Internet address from which you linked directly to our Website. We do not normally associate this information to anything personally identifiable. That is, your session is logged, but the user remains anonymous to us. This information helps us measure the number of visitors to the different sections of our Website. However, we may use this information to attempt to identify a user when it is necessary to enforce compliance with any laws or to protect our service, Website, customers, or others.

We want to be very clear: We will not obtain personally identifiable information about you when you visit our Website, unless you choose to supply such information to us.

Sending us an email:
If you choose to contact us by electronic mail, your email address and any other information on you email header (such as your name and/or organization) will be attached to your email. This personal information will be used to reply to your message, but will not be sold or otherwise provided to any other company or third party.

Applications for products/services and survey forms:
Some sections of our Website may ask that you voluntarily supply us with personal information, such as your street address, home telephone number, and date of birth. Generally, we will use this information to send you correspondence on financial products or services you requested. We do not disclose specific information about your application, accounts or other personal data to outside parties for their independent use except if: (a) you request or authorize the release; (b) the information is provided to process a transaction initiated by you; (c) the information is provided to a reputable credit bureau or similar information reporting agency; or (d) the disclosure otherwise is lawfully permitted or required.

Online registration:
In our online registration form, we require you to provide us with your full name, full street address, birth date, gender, and email address. We will process this information to administer your membership, determine your eligibility for certain services, provide services to you, and enable you to take advantage of other member benefits. While using your account, we automatically track certain information about your surfing behavior. This information includes the URL of the page you are visiting, what browser you are using, and your IP address (the number automatically assigned to your computer whenever you log on to the Internet). RCB Bank will create a profile of your interests and activities so that we can send you email advertisements, offers, and other promotions that are most likely to be of interest to you.

Your privacy will be protected.
RCB Bank does not share customer or member information with third parties without your written permission, except as disclosed previously under the section "Application for product/services and survey forms". Only employees actively engaged in their assigned duties or authorized agents will have access to the use of your personal information. Bank staff has received training on, and must abide by, a code of conduct, which includes financial privacy and the responsibility to protect the confidentiality of each customer's personal information. To help us improve or support our products/services, we sometimes must give a vendor(s) access to the personal information you have provided. These companies have agreed to maintain our confidential information about you and your account with us and must comply with applicable law.

Use of "Cookies"
Cookies are pieces of information that our Website may transfer to your computer's hard drive for saving preferences and other record-keeping purposes. We use such devices to help us improve our Website and to effectively deliver Internet Banking services. Although there has been some debate over the privacy implication of using cookies, they are common to most major Websites and do not harm your computer system. In addition, they do not read your hard drive nor can they be used to collect or reveal any personally identifiable information that you have not already explicitly supplied to us. You can disallow cookies by making the appropriate selection from your browser options. However, certain services through our Website require cookies for effective delivery.

Kids Privacy Policy (Children Under 13 Years of Age)
RCB Bank does not consider our Website to be directed at children less than 13 years old, but individuals within this age group could register for an online account or participate in RCB Kid Club Internet Banking. We want to help parents protect the privacy of children. No information should be submitted to or posted at our Website by members under 13 years of age without the consent of their parent or guardian.

When a member under age 13 registers, we will send a Parental Consent Form to the email address provided in order to alert the parent or guardian of the registration. Parental consent is required for all children under the age of 13. A few days after registration, the parent or guardian will receive a Parental Consent Form via postal mail. If the parent or guardian decides not to allow the online account or does not return the consent form within fifteen days, we will delete all personal information the child has supplied from our records.

A parent or guardian has the right to review the personal information collected on a child under 13 years old. If requested, the parent or guardian can have the information deleted and refuse to allow any further collection or use of the child's information. To make such requests, please contact our Privacy Manager.

RCB Bank will not use information collected from members under 13 years of age for any email advertisement, marketing or other promotional purposes, whatsoever. In addition, we do not share this information with third parties. For further details on how we could use the information provided by your child, please read the policy section under the heading Collection and Use of Information.

External Links
You should be aware that when you are on rcbbank.com you could be directed to other Internet sites that are beyond our control. There are hyperlinks to other Internet sites from our Web pages that take you outside our service. These other Internet sites may send their own cookies to users, or otherwise collect data or solicit personal information. Please keep in mind that whenever you give out personal information online --- for example, via message boards or chat --- that information can be collected and used by people you don't know. While RCB Bank strives to protect their user's personal information and privacy, we cannot guarantee the security of all information you disclose online and you do so at your own risk. RCB Bank is not responsible for the privacy practices or the content of other Internet sites.

Online Shopping
For your convenience, RCB Bank has arranged with certain retailers to offer their products through our Website. RCBbank.com provides a safe and worry-free shopping experience. Our servers have the strongest encryption technology available for Internet commerce. All personal information is protected during the transmission, including name, address, and credit card information. To sell their products through rcbbank.com, all retailers have agreed that any personal information collected on the purchase belongs to RCB Bank and they will only use such information for processing the transaction.

Security
The importance of security for all personally identifiable information associated with our users is of utmost concern to us. We exercise great care in providing secure transmission of our users' financial information from their computers to our servers, utilizing sophisticated encryption software. One easy and important way to protect your personal information is to guard your account password, remember to log-out of your account, and close your browser window when you have finished your work.

Your Acceptance of these Terms
By using this Website, you signify your assent to RCB Bank's Privacy Policy. Your continued use of the RCB Bank Website following the posting of changes to these terms will mean you accept those changes. You should forward any questions or concerns regarding this Website's privacy statement to:

RCB Bank ATTN: Product Support 300 W. Patti Page Blvd. P.O. Box 189 Claremore, OK 74018-0189 (918) 341-6150 email:  info@bankrcb.net

For your protection, please do not include any personal information (such as an account number or social security number) in email correspondence via the above link.

If you do not receive acknowledgment of your inquiry or your inquiry has not been satisfactorily addressed, you should then contact our Privacy Manager:

RCB Bank Attn: Privacy Manager 300 W. Patti Page Blvd. P.O. Box 189 Claremore, OK 74018-0189 (918) 341-6150 email privacymanager@bankrcb.net

For your protection, please do not include any personal information (such as an account number or social security number) in email correspondence via the above link.