Legal Disclaimers

1) As measured by market capitalization.

1 Monthly fees will be waived on a Signature No Limit Banking® account for the first six months upon opening. Available only to newcomers to Canada who have arrived in Canada within the last year and who show proof of immigration. Also available to Newcomers to Canada that have arrived between 1 – 3 years when clients switch their account from another financial institution using CustomSwitch®. Other conditions apply. See branch for details. This offer may be withdrawn at any time and is subject to change without notice.

± Monthly fee will be waived for the first six months upon account opening. Other account transaction fees may apply. Applies to Signature No Limit Banking® account only. Available only to newcomers to Canada who have arrived in Canada within the last year and who show proof of permanent resident status. Also available to newcomers to Canada that have arrived between 1 – 3 years when clients switch their account from another financial institution using CustomSwitch®. Other conditions apply. See branch for details. This offer is subject to change without notice and may be withdrawn at any time.

+Monthly fee will be waived for the first six months upon account opening. Other account transaction fees may apply. Applies to Signature No Limit Banking® account only. Available only to newcomers to Canada who have arrived in Canada within the last year and who show proof of permanent resident status. Also available to newcomers to Canada that have arrived between 1 – 3 years when clients switch their account from another financial institution using CustomSwitch®. Other conditions apply. See branch for details. This offer is subject to change without notice and may be withdrawn at any time.

*When the Royal Bank transit number and account number are combined as one number, the transit always represents the first five digits.

The advice in this publication are provided for the general guidance only and is not intended to provide specific financial, investment, tax, legal, accounting or other advice for you, and should not be relied upon in that regard. Please consult your own professional advisor when planning to implement a strategy to ensure that individual circumstances have been considered properly and it is based on the latest available information.

Financial planning services and investment advice are provided by Royal Mutual Funds Inc. a member company under RBC Wealth Management. Royal Mutual Funds Inc., RBC Asset Management Inc., Royal Bank of Canada, Royal Trust Corporation of Canada, The Royal Trust Company and Phillips, Hager & North Investment Management Ltd. are separate entities which are affiliated. Royal Mutual Funds Inc. is licensed as a financial services firm in the province of Quebec.

The strategies and advice and content in this publication are provided for the general guidance only and benefit of our clients. This publication is not intended to provide specific financial, investment, tax, legal, accounting or other advice for you, and should not be relied upon in that regard. Readers should consult their own professional advisor when planning to implement a strategy to ensure that individual circumstances have been considered properly and it is based on the latest available information.