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RBC Mobile is operated by Royal Bank of Canada, RBC Direct Investing Inc. and RBC Dominion Securities Inc.

Other products and services may be offered by one or more separate corporate entities that are affiliated to Royal Bank of Canada, including without limitation: Royal Mutual Funds Inc. (RMFI), RBC Direct Investing Inc., RBC Dominion Securities Inc., RBC InvestEase Inc., RBC Global Asset Management Inc., Royal Trust Corporation of Canada and The Royal Trust Company.

RBC Direct Investing Inc. and Royal Bank of Canada are separate corporate entities which are affiliated. RBC Direct Investing Inc. is a wholly owned subsidiary of Royal Bank of Canada and is a Member of the Canadian Investment Regulatory Organization and the Canadian Investor Protection Fund. Royal Bank of Canada and certain of its issuers are related to RBC Direct Investing Inc. RBC Direct Investing Inc. does not provide investment advice or recommendations regarding the purchase or sale of any securities. Investors are responsible for their own investment decisions. RBC Direct Investing is a business name used by RBC Direct Investing Inc.

As of August 31, 2024. Source: RBC GAM, Morningstar. Based on the percentage of fee-based RBC GAM funds (Series F/I) with a 10-year performance in the 1st or 2nd quartile. RBC GAM Funds = 124. Series F/I units are designed to be held in fee-based accounts. Series F/I MERs include costs for investment management, operating expenses and taxes and are payable to the fund manager. Investors pay ongoing fees for investment advice and other services directly to their advisor as a separate account fee. The fee-based fund category includes mutual funds and ETFs. Quartile rankings are determined by Morningstar Research Inc., an independent research firm, as of 31/08/2024 . Quartile rankings are comparisons of the performance of a fund to other funds in a particular category and are subject to change monthly. The quartiles divide the data into four equal segments expressed in terms of rank (1, 2, 3 or 4). Within a category, the top 25% of funds are in the first quartile, the next 25% are in the second, the next 25% are in the third, and the bottom 25% of funds with the poorest relative performance in the fourth quartile. For more information see www.morningstar.ca. For more detailed information on the standard performance data and quartile ranking of each RBC GAM fund, please click here. Past performance is not indicative of future results, and current performance may be lower or higher.

Investment advice is provided by Royal Mutual Funds Inc. (RMFI). RMFI, RBC Global Asset Management Inc., Royal Bank of Canada, Royal Trust Corporation of Canada and The Royal Trust Company are separate corporate entities which are affiliated. RMFI is licensed as a financial services firm in the province of Quebec.

Mutual Funds are sold by Royal Mutual Funds Inc. (RMFI). There may be commissions, trailing commissions, management fees and expenses associated with mutual fund investments. Please read the Fund Facts/prospectus before investing. Mutual fund securities are not insured by the Canada Deposit Insurance Corporation. For funds other than money market funds, unit values change frequently. For money market funds, there can be no assurances that a fund will be able to maintain its net asset value per security at a constant amount or that the full amount of your investment in a fund will be returned to you. Past performance may not be repeated. RMFI is licensed as a financial services firm in the province of Quebec.

Available with MyAdvisor.

To participate in this offer and receive an extra 0.10% bonus interest on top of our current GIC rate on a new 2-Year Non-Redeemable GIC, you must:

• Be a resident of Canada and of the age of majority in the province or territory in which you reside
• Be the Primary Owner on a new 2-Year Non-Redeemable personal Guaranteed Investment Certificate (“GIC”) purchased between August 28, 2024 and October 31, 2024 from RBC or such further time as we may determine in our sole discretion; (“Qualifying Period”). Auto-renewed GICs are ineligible for this offer.
• Make a minimum investment of $500 for a GIC purchased in a Registered investment and $1,000 for a Non-Registered GIC up to $1,000,000 in your Eligible GIC; and,
• Maintain the GIC until its maturity (24 months from the date the 2-Year Non-Redeemable GIC is purchased).

Offer applicable to personal GICs in Canadian dollars only and includes new purchases of GICs held in registered and non-registered plans/accounts. (Offer not available for GICs in U.S. dollars.)

Offer may be changed or withdrawn at any time without notice and cannot be combined with other promotional rate offers. Offer subject to a minimum investment of $500 for GICs purchased in a Registered investment and $1,000 for a Non-Registered GIC up to $1,000,000 in your Eligible GIC. Interest rates shown at time of purchase are calculated on a per annum basis and may vary depending on the principal investment amount selected. Interest will be paid monthly, semi-annually or at maturity (compounded annually), depending on the interest payment option selected. GIC must be held to maturity to receive the bonus interest rate. View full Terms and Conditions

GICs are products of Royal Bank of Canada and some affiliates. Additional product terms and conditions apply and will be presented at the time of purchase. For more information on RBC GICs, visit an RBC Royal Bank branch, call 1-800-463-3863, or go online to rbcroyalbank.com/gic

All portfolios have been developed by RBC InvestEase Inc. ("RBC InvestEase"). The portfolios include RBC iShares ETFs, with each model portfolio holding up to 100% of RBC iShares ETFs. RBC iShares ETFs are comprised of RBC ETFs managed by RBC Global Asset Management Inc. (RBC GAM) and iShares ETFs managed by BlackRock Canada Limited (BlackRock Canada). RBC GAM and BlackRock Canada have entered into a strategic alliance to bring together their respective ETF products under the RBC iShares ETF brand, and to offer a unified distribution support and service model for RBC iShares ETFs. As such, the RBC iShares ETFs are related or connected issuers of RBC InvestEase.

The annual investment management fee of 0.50% + HST (billed monthly, based on your account’s average Assets Under Management). In addition, a weighted average management expense ratio will also apply to the ETFs held in our portfolios. For further information please refer to Pricing on https://www.rbcinvestease.com/pricing-fees.html.

Certain restrictions apply by account type.

Real-time streaming quotes are available automatically to all clients for exchange listed stocks, ETFs and most over-the-counter (OTC) securities. Real-time streaming quotes for options and grey market OTC securities are available to all clients upon accepting the terms and conditions of all exchange agreements on the RBC Direct Investing online investing site.

The Bonus Interest Rate of 3.90% within the RBC New eSavings Client Bonus Interest Rate Offer (“Offer”) is available to residents of Canada who are of the age of majority in the province or territory in which they reside as of the date the Eligible eSavings Account is opened and who were not the Primary Owner of an RBC High Interest eSavings Account at any time before the beginning of the Qualifying Period (as defined below), and who open a new RBC High Interest eSavings Account (“Eligible eSavings Account”) as the Primary Owner between August 1, 2024 and 3:00 PM EST on October 31, 2024 (the “Qualifying Period”). (Note: For added clarity, you will not qualify for this Offer by switching from another account type to an Eligible eSavings Account.) The Bonus Interest Rate on August 1, 2024 was 3.90% and is only applicable to deposits made in the Eligible eSavings Account for 3 months (90 days) from the date the Eligible eSavings Account was opened (the “Promotional Period”) and up to a maximum of $1,000,000 of the Eligible eSavings Account’s total balance. Any balances over $1,000,000 will be paid the Regular Interest Rate. “Promotional Interest Rate” is a combination of the Bonus Interest Rate plus the Regular Interest Rate. For example, if on August 1, 2024, the Regular Interest Rate was 1.50% per annum and the Bonus Interest Rate was 3.90% per annum, the Promotional Interest Rate would be 5.40% per annum. The Regular Interest Rate is subject to change without notice, and the most current rate is posted on our Personal Accounts Interest Rates webpage, which may be viewed at https://www.rbcroyalbank.com/rates/persacct.html. At the end of the Promotional Period, all balances will earn interest at the Regular Interest Rate only. Regular Interest Rate and Bonus Interest Rate are annualized rates, and (subject to certain exceptions) are calculated daily and paid monthly. Any Eligible eSavings Account that, prior to the payment of interest at the Bonus Interest Rate, is closed or switched to another product type which is not an RBC High Interest eSavings Account will forfeit any such interest calculated during the month in which the Eligible eSavings Account is closed or switched. Offer and interest rates are subject to change without notice. Offer may be withdrawn at any time. Conditions apply. For other defined terms and complete terms and conditions that apply to this Offer, please visit https://www.rbcroyalbank.com/investments/psi/august2024-hisa/terms.html

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