Filing Details

CUSIP No. 

762093102 

13G/A 

Page 1 of 5 

UNITED STATES 

SECURITIES AND EXCHANGE COMMISSION 

Washington, D.C. 20549 

SCHEDULE 13G/A 

(Amendment No. 2) * 

Under the Securities Exchange Act of 1934 

Rhinebeck Bank 

(Name of Issuer) 

Common Stock, par value $0.01 per share 

(Title of Class of Securities) 

762093102 

(CUSIP Number) 

December 31, 2021 

(Date of Event Which Requires Filing of this Statement) 

Check the appropriate box to designate the rule pursuant to which this Schedule is filed: 

x 

Rule 13d-1(b) 

o 

Rule 13d-1(c) 

o 

Rule 13d-1(d) 

*The remainder of this cover page shall be filled out for a reporting person’s initial filing on this form with respect to the subject class of securities, and for any subsequent amendment containing information which would alter the disclosures provided in a prior cover page 

The information required in the remainder of this cover page shall not be deemed to be “filed” for the purpose of Section 18 of the Securities Exchange Act of 1934 (“Act”) or otherwise subject to the liabilities of that section of the Act but shall be subject to all other provisions of the Act  (however, see the Notes). 

CUSIP No. 

762093102 

13G/A 

Page 2 of 5 

  Name of Reporting Persons. 

I.R.S. Identification No. of above persons (entities only). 

Delaware Charter Guarantee & Trust Company dba Principal Trust Company as Trustee  

forthe the Rhinebeck Bank Employee Stock Ownership Plan and the Rhinebeck Bank 401(K) PLAN. 

IRS No.   51-0099493 

Check the Appropriate Box if a Member of a Group: 

(a)  o 

(b)  o 

SEC Use Only 

Citizenship or Place of Organization: 

Delaware 

Number of Shares Beneficially Owned by Each Reporting Person With: 

5. Sole Voting Power: 

0 

6. Shared Voting Power: 

564,977 

7. Sole Dispositive Power: 

0 

8. Shared Dispositive Power: 

564,977 

Aggregate Amount Beneficially owned by Each Reporting Person 

564,977 

Check if Aggregate Amount in Row (9) Excludes Certain Shares: 

o 

Percent of Class Represented by Amount in Row (9):  

5.00% 

Type of Reporting Person: 

EP 

CUSIP No. 

762093102 

13G/A 

Page 4 of 5 

(c) 

Number of shares as to which such person has: 

(i) 

Sole power to vote or direct the vote: 

0 

(ii) 

Shared power to vote or direct the vote: 

564,977 

(iii) 

Sole power to dispose or direct the disposition of: 

0 

(iv) 

Shared power to dispose or direct the disposition of: 

564,977 

Item 5.  Ownership of Five Percent or Less of Class 

Not Applicable 

Item 6.  Ownership of More Than Five Percent on Behalf of Another Person  

Not Applicable 

   Item 7.  Identification and Classification of the Subsidiary Which Acquired the Security Being Reported on by the Parent Holding Company  

Not Applicable 

Item 8.  Identification and Classification of Members of the Group 

Not Applicable 

Item 9.  Notice of Dissolution of Group 

Not Applicable 

Item 10.  Certification 

By signing below I certify that, to the best of my knowledge and belief, the securities referred to above were acquired and are held in the ordinary course of business and were not acquired and are not held for the purpose of or with the effect of having or influencing the control of the issuer of the securities and are not acquired and are not held in connection with or as a participant in any transaction having that purpose or effect. 

CUSIP No. 

762093102 

13G/A 

Page 5 of 5 

SIGNATURE 

After reasonable inquiry and to the best of my knowledge and belief, I certify that the information set forth in this statement is true, complete and correct. 

Delaware Charter Guarantee & Trust Company 

/s/ Christopher Taylor 

Christopher Taylor 

COO 

January 14, 2022