Virtue Security & Reporting Requirements

Safeguarding

Your Financial

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Committed to

the confidentiality

and security of

our clients’ data

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Protecting Your Financial Information

As a trusted custodian of your financial data, First Republic is committed to protecting your assets and personal privacy as well as any information that is entrusted to us.

The Bank complies with all information security and privacy laws covering client information and identity protection. We are regularly examined by federal government regulators and undergo an annual independent audit to ensure we meet the requirements of the Sarbanes-Oxley Act, which established enhanced accounting standards for public companies.

But our initiatives go beyond simple compliance. We also conduct ongoing internal reviews of our computers, networks and security systems and require our employees to acknowledge their respon-sibility in maintaining confidentiality of customer information. Additionally, our comprehensive infor-mation security and business continuity programs assure our products and services meet or exceed federal and state laws and industry standards.

What We Do

v _{Conduct comprehensive background checks on}

all prospective employees.

v _{Require employees to attend privacy and security}

training.

v _{Maintain a corporate culture of making client}

confidentiality a top priority.

v _{Require storage of any printed hard copies of}

client data in locked storage cabinets.

v _{Utilize data centers that regularly undergo audits}

that ensure they meet standards of security, avail-ability, processing integrity confidentiality and privacy.

v _{Maintain significant physical and electronic}

security controls to prevent unauthorized access to client information.

v _{Conduct regular reviews of our computers,}

networks and security systems.

v _{Conduct regular vendor security due diligence}

to ensure our vendors protect client information in accordance with our security policies and standards.

v _{Monitor online banking activity with fraud}

detection software.

v _{Require proper identification or unique}

identify-ing information for all clients comidentify-ing into our offices, banking with us online or contacting our call center.

v _{Ensure proper measures to minimize the chance}

of unauthorized account activity when we learn of a potential identity theft situation.

What We Offer

v _{Free online software — Rapport by Trusteer —}

to ensure the security of your Internet browser during online banking sessions.

v _{One-time passcode tokens providing an}

addition-al authentication layer for online wire transfers.

v _{Internet Security Health Check program, offering}

on-site assessments of home or office computers used for banking with First Republic to help you ensure they are secure and properly configured.

Minimizing Risk Through

“Best practice” Guidelines

What You Can Do

Identity thieves use a variety of tactics to obtain your personal information such as your Social Security number, login credentials or credit card details to commit fraud.

The Federal Trade Commission has formulated the following three-step approach for identity theft protection:

Deter

_Detect

_Defend

Deter Identity Thieves by Safeguarding Your Information.

v _{Protect your Social Security number. Never carry}

your Social Security card.

v _{Shred financial documents before disposing of}

them.

v _{Keep your personal information and sensitive}

items, like checks and credit cards, in a secure place both at home and work.

Detect Suspicious Activity.

v _{Monitor your financial accounts and billing}

state-ments regularly, looking closely for charges you did not make.

v _{Be aware of bills or other mail that no longer}

arrive. Identity thieves may change your billing address to cover their tracks.

v _{Obtain and review your credit report. For a free}

annual report, call 1-877-322-8228 or visit www.annualcreditreport.com.

v _{Investigate denial of credit or less favorable terms}

like a high interest rate.

v _{Investigate debt collection letters and phone calls}

about merchandise or services you didn’t buy. Defend Against Identity Theft.

v _{Contact your financial institution immediately}

and alert them to any instance of identity theft.

v _{Contact one of the three major credit bureaus to}

place a fraud alert on your file. This will help prevent new accounts from being opened in your name.

Equifax 1-800-525-6285 www.equifax.com Experian 1-888-397-3742 www.experian.com TransUnion 1-800-680-7289 www.transunion.com

v _{File a police report in the community where the}

identity theft took place.

v _{File a complaint with the Federal Trade}

Commission.

www.ftccomplaintassistant.gov 1-877-ID-THEFT (438-4338)

v _{Close accounts that have been opened or used}

Follow Online Security “Best Practices”

v _{Use hard-to-guess passwords.}

v _{Do not use security questions with answers}

avail-able on social networking sites — for example, the name of your high school.

v _{Minimize the amount of personal information}

added to social networking websites.

v _{Never click on links sent in an unsolicited email}

(SPAM).

v _{If you receive an attachment from someone you}

do not know or are not expecting, do not open it; delete it.

v _{Do not include sensitive information in emails.} v _{Beware of emails asking for personal information.}

First Republic Bank will not send these types of emails.

v _{Ensure anti-virus and anti-spyware software are}

installed on your computer and schedule frequent updates and scans.

v _{Turn on your computer’s firewall.}

v _{Check your computer operating system’s}

auto-matic update settings to ensure you’re receiving updates.

v _{Use newer versions of Web browsers with built-in}

security features.

v _{Check your software programs for updates that}

may be available in the “Help” menu or on the software vendor’s website.

v _{Download the Trusteer Rapport free online}

bank-ing protection software offered by First Republic Bank:

www.firstrepublic.com/rapport

It’s a privilege

to serve you.

Our services are provided in the following markets:

San Francisco Palo Alto Los Angeles Santa Barbara Newport Beach San Diego Portland Boston Greenwich New York Executive Offices 111 Pine Street

San Francisco, California 94111 Tel: (415) 392-1400 Toll Free: 1-800-392-1400

Fax: (415) 392-1413

Convenient Internet Banking at www.firstrepublic.com