All communication is conducted via a password chosen by the client. Our relationship managers visit clients on a regular basis and it is our belief that face to face is still the best form of communication. Our preferred method of communication is by facsimile because it allows us to authenticate banking instructions with signatures. Telephone, secure E-Mail and postal mail are also acceptable. Our computer system in Barbados is a stand-alone system with encrypted software for electronic mail communication, and a great deal of effort and resources is devoted to maintain the strongest level of computer security.