Subject: Climate change disclosures- ESG
From: Tiffany Gregorczyk
Affiliation:

Oct. 26, 2022


To whom it may concern: 
 
Our bank does not agree with Washington being involved in our banking as it pertains to environmental social governance. For example, we would not want to turn down a loan because someone didn’t have solar panels, etc. This is just one example. We believe in lending based on someone’s ATR and other Fair lending items. We would like to decide how we contribute to ESG efforts on our own. Which I feel like we do a good job of already. Thank you 
 
 
Sincerely,

***PLEASE NOTE MY EMAIL ADDRESS HAS CHANGED. PLEASE UPDATE YOUR RECORDS**

Tiffany Gregorczyk  
Compliance Coordinator 
Royal Banks of Missouri