Cardholder information must not be held or transferred over the Internet without Secured Socket Layer (SSL) encryption. (i.e. using a Netscape Commerce server in order to operate with Secure Socket Layers and SSL digital certificates or SET Secure Electronic Transactions™, utilizing merchant SET certificates). In the absence of encryption technology, the on-line merchant may accept the order over the Internet and obtain card information via telephone or fax. To learn more about Internet Security, visit the Royal Bank Internet Security Web site. A secured Payment Server, approved by Royal Bank must be used for accepting or transmitting the transactions. A solution such as e-SELECT™ offers this enhanced security. To find out more about e-SELECT, click here. For a list of other Internet Commerce solution partners, who have certified their payment servers with Royal Bank, click on the E-commerce - Royal Bank link located at our On-line Shopping Directory. SET is the Secure Electronic Transaction® Standard, developed by Visa® and MasterCard® to secure credit card transactions over the Internet. In December 1997, Visa, MasterCard, American Express® and JCB jointly formed SET Secure Electronic Transaction LLC (SETCo) to manage the specification, the mark and the compliance testing process for SET. ™ Trade-mark of Royal Bank of Canada