Royal Banks of Missouri Online Security Statement

At Royal Banks, we are committed to providing you safe and secure Royal Banks Online Banking^TM. We are confident that our internal security infrastructure provides privacy and security to your account and transaction information.

Your responsibility in security is as important as ours. Here are some recommendations on how you can increase the privacy and safety of Online Banking:

• You are responsible for the security and use of your username and password. Try not to select a password that is easily guessed (e.g., birthdate or spouse name). If you think your password has been compromised, change it immediately online. You should then verify that no unauthorized transactions occurred on your account. Don't write it down.
• Do not leave your computer unattended if you are still logged onto the Services.
• When you have completed your banking online, always remember to click "EXIT" before visiting other Internet web sites.
• If others use your computer, clear your cache or turn off and reinitiate your browser in order to eliminate copies of web pages that have been stored in your hard drive. See your browser's HELP section for instructions on how to clear cache.
• We require that all browsers accessing the Services have the latest domestic grade encryption (128-bit) to conduct secure financial transactions over the Internet.
• Only use the eMail provided by our Service to transmit information about your accounts, transactions, etc. and when reporting any problems or incidents.

The Browser. When using your browser to access our Services, the browser uses encryption technology that scrambles data to make it readable by the sender and designated receiver only. A key is required to decode the information.

When you place a request for information about your accounts or loans, the encrypted (scrambled) request is sent to us or our Service Provider. We send our replies back to you in an encrypted (scrambled) format. Even though the information sent back and forth is encrypted (scrambled), you will be able to read the data on your computer screen. Again, this is why it is important to use the eMail provided by our Service.

We require that your browser be equipped with the latest domestic grade encryption (128-bit), which can only be downloaded by citizens and permanent residents of the United States and citizens of Canada who reside in North America. Upgrading your browser is simple and instructions on how to do this are located in the browser's HELP menu.

You can check to see what level of security your browser has within the browser HELP menu. For Microsoft Internet Explorer go to "Help" and then "About Internet Explorer." The version with Cipher (security) strength should be listed. For Netscape users go to "Help" and then "About Communicator." You can also go to our web site and use our browser checker. Go to http://www.royalbanksofmo.com and click the "Royal Banks Browser Security Test" button.

We review and approve the use of different browsers to ensure they meet our strict security standards.

In addition to the required browser encryption, usernames and passwords are used as another safety feature to help ensure that your transactions on the Internet are safe and secure. When you log on to our Royal Banks Online Banking Services, we authenticate you by your username and password. This information is known only by you and it is up to you to keep this information secure. If you think that your information has been compromised: 1) try to log on to the Services and change your password immediately, 2) call us at 1-314-212-1500, or 1-800-811-8157 and 3) check your account history for any unauthorized transactions.

Our firewall protects our systems by allowing entry only to those who are authorized.

For digital identity verification, we have a digital server certificate by VeriSign that your browser uses each time you sign on to verify that you are connected to us.

Last Updated: 03/01/2006