Financial planning services and investment advice are 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.

You must be a Canadian resident and not have a Royal Mutual Funds Inc.(“RMFI”) account at the time the Qualifying Period begins (any previous RMFI accounts that were closed prior to the start of the Qualifying Period do not impact your eligibility). By opening one or more first Royal Mutual Funds Inc. (RMFI) Tax Free Savings Account (TFSA), or Registered Retirement Savings Plan (RRSP) accounts (“Eligible Accounts”) as the Primary Owner during the period starting on February 1, 2024 and ending at 3PM EST on February 29, 2024 (“Qualifying Period”) as the Primary Owner during the Qualifying Period and satisfy the Bonus Offer Qualifying Criteria and these Terms, you will receive a bonus of C$100.00 (“Bonus Offer”) deposited into their Personal Banking Account within four weeks after the Promotional Period ends (3PM EST August 31, 2024). To satisfy the Bonus Offer Qualifying Criteria you must do one of the following in your Eligible Account: 1) set-up a Pre-authorized Contribution (PAC) of C$100.00 or more per month in mutual fund(s) with the first contribution occurring in February 2024, or 2) make a contribution of at least C$5,000.00 in mutual fund(s), and maintain the balance and/or PAC(s) for the duration of Promotional Period. This Bonus Offer is available for only one (1) Eligible Account per Eligible Client, no matter how many Eligible Accounts you may open during the Qualifying Period. Contributions or PACs may not be combined across Eligible Accounts in order to meet the Bonus Offer’s qualifying criteria.

The Offer is non-transferable and is not valid in conjunction with any other RBC Direct Investing offer or promotion. You are solely liable for any tax consequences associated with the Offer, including any taxes owing for your account in connection with the Offer. Please consult your tax advisor for any specific questions regarding your personal circumstances and accepting the Offer. This Offer may be amended or withdrawn at any time. View full Terms and Conditions.

To participate in this offer and receive an extra 0.25% bonus interest on top of our leading GIC rate of 4.60%, 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, or an advisor assisted renewal into a, 2-Year Non-Redeemable personal Guaranteed Investment Certificate (“GIC”)purchased between January 4, 2024 and March 29, 2024 (“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 $1000 for a Non-Registered 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 or 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 $1000 for a Non-Registered GIC. Interest rates shown at time of purchase or renewal (as applicable) 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 1-844-486-3824, or go online to rbcroyalbank.com/gic

There are contribution limits on RRSPs, and you must have earned income in prior years to accumulate contribution room. Contribute (per year) the lower of 18% of your earned income from the prior year, the maximum limit for the current tax year, or the remaining limit after any contributions you’ve made to a company-sponsored pension plan. To find out your contribution limit for the current year, check your most recent Notice of Assessment from the CRA.

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/.

You must be a Canadian resident and not have an account with RBC Direct Investing as of the day before the first day of the Offer Period (defined below). By opening one or more new RBC Direct Investing accounts ("Eligible Account[s]") and using the offer code ROL11 between January 4, 2024 and March 29, 2024 inclusive (the "Offer Period"), you will receive a rebate of trade commission fees ("Qualifying Commissions") for up to 100 trades of exchange-listed securities on a North American exchange (which includes equities and ETF products only, and excludes trades in options) at $9.95 CDN or US per trade to the value of $995 when placing trades in any of your Eligible Accounts through the RBC Direct Investing online investing site, Trading Dashboard, or the RBC Mobile~ app ("Qualifying Trades"). The Qualifying Commissions rebate will apply to your Eligible Account(s) for a period of two years from the day you open the first Eligible Account, and will be deposited into the Eligible Account in which the trade was placed within 3 to 5 business days after your Qualifying Trade is filled. The Offer is non-transferable and is not valid in conjunction with any other RBC Direct Investing offer or promotion. You are solely liable for any tax consequences associated with the Offer, including any taxes owing for your account in connection with the Offer. Please consult your tax advisor for any specific questions regarding your personal circumstances and accepting the Offer. This Offer may be amended or withdrawn at any time. View full Terms & Conditions.