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MESSAGE FROM THE PRESIDENT

Welcome! It is with great pleasure that RCBC launches its newly designed and updated home in the world wide web.

www.rcbc.com provides fast and easy online interaction between the bank and the millions of internet users all over the world-- RCBC customers and non customers alike!

For RCBC customers, this new site gives 24/7 access to the bank and extends the convenience of doing basic banking transactions-- from balance inquiries to fund transfers--online, without even having to leave the home or the office. For non-customers, www.rcbc.com is a rich information centre that presents you with new doors of opportunities in the world of financial services.

Make www.rcbc.com one of your favorite stops in the net. We'll exert every effort to make each visit truly worth your while.

Lorenzo V. Tan
President and Chief Executive Officer