Introducing International Investment Advisory Services. Your global needs, our international expertise

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1 Itroducig Iteratioal Ivestmet Advisory Services Your global eeds, our iteratioal expertise

2 Stregth ad Stability from RBC For over 140 years, ivestors have tured to Royal Bak of Caada (which operates globally uder the brad ame RBC) to help them achieve their fiacial goals. You are ivited to discover the may advatages of workig with a Iteratioal Ivestmet Advisor at RBC Wealth Maagemet ad how you ca beefit from RBC s global expertise ad local kowledge. 2 RBC WEALTH MANAGEMENT

3 Itroducig RBC Caada s Largest Bak Chartered i 1869, RBC is Caada s largest bak as measured by assets ad market capitalizatio, oe of North America s leadig diversified fiacial services compaies ad amog the largest baks i the world as measured by market capitalizatio. RBC receives amog the highest credit ratigs from Stadard & Poor s, Fitch Ratigs, DBRS ad Moody s Ivestor Services, ad its shares are listed o the Toroto, New York ad Swiss stock exchages. Royal Bak of Caada (RBC) RBC Wealth Maagemet (Caada) RBC Wealth Maagemet (Iteratioal) RBC Domiio Securities Iteratioal Ivestmet Advisory Helpig You Safeguard Your Assets Overseeig the safety of the assets i your accouts is as much a priority as the work we do to help you build ad pass o your wealth. That s why we give our cliets the peace of mid that comes from workig with a leadig fiacial orgaizatio i the world s most stable fiacial sector (World Ecoomic Forum). Through RBC Wealth Maagemet s full-service ivestmet firm RBC Domiio Securities, or oe of its RBC Foreig Affiliates*, we adhere to the strict busiess practice stadards set by Caadia fiacial idustry regulators, which are amog the most striget i the world, such as the Ivestmet Idustry Regulatory Orgaizatio of Caada (IIROC). These Caadia regulatory bodies are desiged to esure the fiacial health of the ivestmet idustry i Caada ad hold all our Ivestmet Advisors accoutable to extremely rigorous stadards, as well as cotiuig educatio requiremets ad examiatios. RBC Domiio Securities is Caada s leadig ivestmet firm ad serves more tha 400,000 cliets worldwide, with over $200 billio i assets uder admiistratio. The firm has bee helpig idividuals, families ad busiesses achieve their ivestmet goals sice * RBC Foreig Affiliates cosist of the followig itroducig brokers; RBC Domiio Securities Global Ltd., RBC Ivestmet Services (Asia) Limited ad RBC Ivestmets Uruguay S.A. Agete de Valores. Please view disclosure o page 11 for more detailed iformatio. RBC WEALTH MANAGEMENT 1

4 About RBC Wealth Maagemet RBC Wealth Maagemet serves high-et-worth private cliets ad iche corporate ad istitutioal cliets worldwide. As a iteratioal wealth maager with offices i key fiacial cetres aroud the world ad the global resources of oe of North America s largest ad most stable baks relatioships, expertise ad choice are just the begiig of what you ca expect. Ivestmet advice is just oe key part of a well-rouded wealth maagemet pla. To that ed, your Ivestmet Advisor ca offer you complimetary fiacial plas ad wealth cosultatios by referrig you to RBC Wealth Maagemet s global etwork of experts. RBC Wealth Maagemet s etwork of experts offers you wealth maagemet choices that itegrate all your iterests, such as family, busiess, lifestyle ad philathropy. A itegrated approach ca esure a optimal level of asset maagemet ad coordiatio with your tax ad estate plaig eeds. Whe you meet with your Ivestmet Advisor i ay of our worldwide locatios, you will ope the doors to a kowledge base of global resources ad local expertise. Our aim is to make it easy for you to take advatage of our comprehesive service offerig which icludes: Ivestmet maagemet (advisory ad discretioary) Bakig, cash maagemet, credit ad fiacig provided by RBC Royal Bak Trust ad fiduciary services provided by RBC Estate ad Trust Services Iteratioal custody provided by RBC Ivestor Services Iteratioal tax cosultacy, provided by RBC Reget Tax Cosultats Ltd. Access to corporate, istitutioal ad ivestmet bakig from RBC Capital Markets 2 RBC WEALTH MANAGEMENT

5 Helpig You Maage Your Complex Fiacial Affairs Iteratioal Ivestmet Advisory services are desiged for cliets who require professioal expertise i maagig their ivestmet assets, icludig: Cliets who live ad coduct fiacial affairs i multiple coutries Iteratioal orgaizatios requirig tailored solutios that address their complex requiremets Cliets lookig to create a lastig legacy, preserve assets for retiremet, pursue persoal iterests, or trasfer wealth to loved oes or philathropic vetures Busiess owers ad corporate cliets preparig to sell busiess assets who eed advice o how to covert these assets ito a well-fuded retiremet ad equitable estate for their beeficiaries RBC Wealth Maagemet s Ivestmet Advisors are attued to the cultures ad laguages of the regios they service. May of them are origially from the regios they ow serve, or they have lived there for log periods of time. As a result, they are able to uderstad the eeds of a diverse clietele. RBC WEALTH MANAGEMENT 3

6 Iteratioal Ivestmet Advisory Solutios Through your Ivestmet Advisor, you have access to all the services you eed to achieve your fiacial goals, icludig ivestmet advice ad portfolio maagemet. Your Ivestmet Advisor will help you to desig, costruct ad moitor a etire portfolio of iteratioal securities. You will have access to a wide variety of ivestmet solutios, icludig: Global equities Global fixed icome Emergig markets fixed icome Moey market/cash maagemet services Alterative ivestmets Derivatives Foreig exchage tradig Iteratioal/offshore mutual fuds Discretioary ivestmet maagemet* Multi-currecy tradig capabilities Access to some of the world s best moey maagers Customized structured products Margi accouts Fee-based, wrap ad traditioal trasactio-based accouts* Access to view accouts olie I additio, through RBC Wealth Maagemet s global etwork of experts, your Ivestmet Advisor has access to comprehesive wealth maagemet solutios icludig trust, bakig, credit ad global custody. This broad rage of fiacial services is desiged to give you the choice ad flexibility to realize your idividual goals. *Where permitted by local laws ad regulatios. 4 RBC WEALTH MANAGEMENT

7 How We Work with You 1. Discovery Your Goals, Values ad Prefereces Gettig to kow you as a idividual is essetial to helpig you achieve your fiacial objectives. Your Ivestmet Advisor will liste carefully to you ad devote sigificat time ad eergy to uderstadig your eeds ad goals. He or she will look at all aspects of your fiacial situatio, icludig your risk tolerace, retur objectives, liquidity eeds, time horizo, curret holdigs, fiacial experiece ad other factors. 2. Strategy Likig Your Goals with Opportuities Your Ivestmet Advisor will use some of the most sophisticated fiacial plaig tools available to help recommed a ivestmet pla tailored to your persoal circumstaces. If appropriate, your Ivestmet Advisor will also work with your existig professioal etwork or other specialists withi RBC Wealth Maagemet s etwork to esure that your ivestmet strategy is aliged with your fiacial objectives. 4. Review Esurig Cotiuous Disciplie ad Attetio Your Ivestmet Advisor will review your goals ad ivestmet strategy regularly with you to esure your fiacial objectives are beig met i light of your chagig eeds ad ogoig ecoomic or regulatory developmets. 5. Commuicatio The Iformatio You Need How you choose to commuicate with your Ivestmet Advisor is completely up to you i perso, by phoe or olie at the frequecy you prefer. I additio to ogoig commuicatio with your Ivestmet Advisor, you will receive a quarterly accout statemet ad a mothly statemet whe there is activity i your accout. At your discretio you ca receive market reports, ivestmet views ad other related iformatio everythig you eed to make iformed decisios ad effectively maage your portfolio. 3. Implemetatio A Persoalized Solutio Oce you are comfortable with your pla, your Ivestmet Advisor will help you to implemet it effectively. 1 DISCOVERY 2 STRATEGY Through your Ivestmet Advisor, you will have access to all the major global markets ad a complete rage of ivestmet solutios. This icludes tailored solutios utilizig products such as iteratioal equities ad fixed-icome ivestmets, foreig exchage, offshore/iteratioal mutual fuds, structured products, derivatives ad a array of third-party maaged products. COMMUNICATION 5 You Your Family Your Busiess REVIEW 4 IMPLEMENTATION 3 RBC WEALTH MANAGEMENT 5

8 Helpig You Make Iformed Decisios Your Ivestmet Advisor is backed by a support team dedicated to helpig you achieve your fiacial goals: Ivestmet strategy. RBC seior ivestmet strategists provide your Ivestmet Advisor with quarterly forecasts based o i-depth research ad sophisticated aalysis. Emergig Markets Fixed Icome Group. Cliets of RBC Wealth Maagemet have access to fixedicome securities issued by sovereig ad corporate issuers i Lati America, Asia, Africa, Easter Europe ad the Middle East. Access to fixed-icome securities also icludes all major currecies (USD, CAD, EUR, GBP ad JPY), as well as Eurobods. Iteratioal/offshore mutual fuds ad alterative ivestmets. RBC provides exclusive access to a diverse rage of iteratioal fuds ad alterative ivestmets available from a select group of providers, icludig globally recogized brads. A team of experts coducts extesive research o these to idetify superior opportuities. Custom-desiged portfolios. Through the idepedet Global Portfolio Advisory Group, your Ivestmet Advisor is able to offer customized cliet solutios. This group makes recommedatios based o the evaluatio of research from may sources, icludig that of RBC. Commodity futures. We ca help you maage commodities risk, icludig exposure to eergy, metals, agriculture ad currecy. I-depth research ad aalysis. Top-raked ivestmet research available through RBC Capital Markets ad several leadig iteratioal firms: RBC Capital Markets offers extesive North America equity coverage with specialized products teams i Europe, the Middle East ad Asia through its three research disciplies: Fudametal, Quatitative ad Tred & Cycle. I additio, RBC Capital Markets provides i-depth commetary ad aalysis of global fixed-icome ad currecy markets. Idepedet Veritas research complemets RBC Capital Markets equity research. RBC Domiio Securities is the oly brokerage firm i Caada with access to equity research from a idepedet firm with o ivestmet bakig busiess. Veritas research is tailored to the RBC Domiio Securities ivestmet process, which ivolves a emphasis o the preservatio of capital ad absolute returs ad relative performace. U.S. ad iteratioal equity research is provided through the firm s parterships with several leadig U.S. research firms. Iteratioal ecoomic reports. I additio to the research ad aalysis you would expect from a first-class North America ivestmet firm, we also provide extesive ecoomic research o the regios we serve. 6 RBC WEALTH MANAGEMENT

9 This documet has bee prepared for use by each of RBC Domiio Securities Global Limited, RBC Ivestmet Services (Asia) Limited, ad RBC Ivestmets Uruguay S.A. Agete de Valores, (each a RBC Foreig Affiliate of RBC Domiio Securities Ic.), RBC Domiio Securities Ic. ( RBC DS )*, ad all member compaies of Royal Bak of Caada (the Member Compaies ). Royal Bak of Caada is a reportig issuer uder applicable securities laws ad is a related issuer of RBC DS. RBC Domiio Securities Global Limited is licesed by The Cetral Bak of Barbados, the Securities Commissio of The Bahamas ad the Cayma Islads Moetary Authority to coduct securities ivestmet busiess. RBC Ivestmet Services (Asia) Limited is regulated by the Securities ad Futures Commissio of Hog Kog ad the Chia Securities Regulatory Commissio. RBC Ivestmets Uruguay S.A.- Agete de Valores is licesed by the Cetral Bak of Uruguay. Each of the RBC Foreig Affiliates is a itroducig broker. RBC DS acts as carryig broker to provide certai services to RBC Foreig Affiliates, icludig but ot limited to processig services, as detailed i the respective cliet accout agreemets. Please review your cliet accout agreemet for full details of the services provided i respect of your accout. RBC DS also acts as aget of the RBC Foreig Affiliates i respect of, but ot limited to, tradig ad record keepig of trasactios. You should carefully read ay risk warigs or regulatory disclosures i this brochure or ay other literature eclosed with this brochure or forwarded to you by Royal Bak of Caada, its subsidiaries or affiliates (collectively, the Brochure ). Some of the services detailed i the Brochure are ot offered i all jurisdictios ad may ot be available to you. The Brochure does ot costitute a ivitatio to buy or the solicitatio of a offer to sell securities or ay other products or services i ay jurisdictio to ay perso to whom it is ulawful to make such a solicitatio i such jurisdictio. Cosult with your fiacial advisor before makig your ivestmet decisios. Ay products ad/or services described i the Brochure are provided by a variety of Royal Bak of Caada subsidiaries ad offices, either idepedetly or actig together, operatig i a umber of differet jurisdictios. You should ote that the applicable regulatory regime, icludig ay ivestor protectio or depositor compesatio arragemets, may well be differet from that of your home jurisdictio. The Brochure is iteded as geeral iformatio oly ad is ot iteded as taxatio, legal, ivestmet or other professioal advice. You should always obtai idepedet professioal advice particular to your idividual circumstaces. Royal Bak of Caada, its affiliates ad subsidiaries ad their officers, directors, employees ad agets are ot resposible for ad will ot be liable to you or ayoe else for ay damages whatsoever (icludig direct, idirect, icidetal, special, cosequetial, exemplary or puitive damages) arisig out of or i coectio with your reliace o the Brochure, eve if the Royal Bak of Caada, its affiliates or subsidiaries or their officers, directors, employees or agets have bee advised of the possibility of these damages. The Member Compaies ad Royal Bak of Caada are all separate corporate etities which are affiliated. Outside of Caada, Ivestmet Advisors are employees of oe of the foreig affiliates of RBC Domiio Securities Ic. * Member-Caadia Ivestor Protectio Fud. Registered trademarks of Royal Bak of Caada. Trademark of Royal Bak of Caada. Used uder licese. Copyright All rights reserved.

10 To lear more about how Iteratioal Ivestmet Advisory at RBC Wealth Maagemet ca help you achieve your fiacial goals please visit

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