Deposit Accounts

Net Income Stabilization Account (NISA)

How can this help my business?

• Protects your farm with an investment account to draw upon when farm income drops
• Benefits from government matching contributions and 3% interest rate premium
• Works as part of your overall investment strategy

What do I need to know about it?

• Choose from two secure options or a combination of both:
  1. Prime-Linked GIC - a redeemable investment certificate with a return linked to the Prime rate, or
  2. NISA fixed term GICs - high-yield Guaranteed Investment Certificates (GICs) with one to five year terms
• No fees or service charges are applicable
• NISA Administration determines eligibility and access to funds

Is this product right for my business?

• You can create a laddered NISA account with 5-year GICs maturing every year, to take advantage of the higher rates associated with long-term deposits, while maintaining flexibility.
• The Prime-Linked GIC provides maximum flexibility. The tiered balance segments on which interest is paid are $0 to $49,999.99, and $50,000 and over.

How can I get more information?

• Product Brochures are available from all RBC Royal Bank Agriculture Account Managers.
• Call 1-800 ROYAL^® 7-0 (1 800 769-2570).
• Visit Agriculture and Agri-Food Canada's NISA site at www.agr.gc.ca/nisa/

What else do I need to know?

• Loans are available for the purpose of making NISA deposits.
• RBC Royal Bank has knowledgeable people who care about your business and have a commitment to agriculture.