Deposit Interest Rates

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1 Deposit Interest Rates Royal Bank of Canada (Channel Islands) Limited ("the Bank") offers fixed term deposits and other interest bearing accounts in most of the major currencies subject to the Bank's General Terms and Conditions ("the Terms") and any further specific terms and conditions outlined below. Interest Rates as at: 05 Apr 2018 Please note that (i) interest rates are quoted for a specific monetary value range and may vary unless otherwise stated and are correct as at the date indicated above; (ii) interest is calculated daily on all deposits and paid, or charged in the event of negative interest rates prevailing from time to time, ("Applied") on the dates indicated below for each type of account; (iii) interest is calculated from the date of receipt of cleared funds and there is no minimum period of deposit before interest is calculated; (iv) Fixed Deposits and Executive Plus accounts are offered subject to (a) the Client meeting the required minimum monetary value for their total relationship with RBC Wealth Management (being 125,000 or currency equivalent thereof) and (b) the minimum balance requirements reflected below for each type of account and the various currencies in which it is offered. The Bank reserves the right to refuse to accept any funds for deposit that are below the stated minimum balance requirements. Please contact your Relationship Manager for details of the accounts that are available and also the latest interest rates in the various currencies. Australian 140, , ,000-1,350,000-2,750,000-13,750,000+ Dollar (AUD) 279, ,999 1,349,999 2,749,999 13,749,999 7 days month months months months months Canadian 100, , ,000-1,000,000-2,000,000-10,000,000+ Dollar (CAD) 199, , ,999 1,999,999 9,999,999 7 days month months months months months Danish Krone 600,000-1,200,000-3,000,000-6,000,000-12,000,000-60,000,000+ (DKK) 1,199,999 2,999,999 5,999,999 11,999,999 59,999,999 1 Euro 75, , , ,000-1,500,000-7,500,000+ (EUR) 149, , ,999 1,499,999 7,499,999 7 days N/A N/A N/A N/A N/A N/A 1 month N/A N/A N/A N/A N/A N/A 2 months N/A N/A N/A N/A N/A N/A 3 months N/A N/A N/A N/A N/A N/A 6 months N/A N/A N/A N/A N/A N/A 12 months N/A N/A N/A N/A N/A N/A Hong Kong 600,000-1,200,000-3,000,000-6,000,000-12,000,000-60,000,000+ Dollar (HKD) 1,199,999 2,999,999 5,999,999 11,999,999 59,999,999 1 month months months months months Japanese Yen 10,000,000-25,000,000-50,000, ,000, ,000,000-1,000,000,000+ (JPY) 24,999,999 49,999, ,999, ,999, ,999,999 1 Page 1 of 5

2 New Zealand 200, , ,000-1,700,000-3,500,000-17,500,000+ Dollar (NZD) 399, ,999 1,699,999 3,499,999 17,499,999 7 days month months months months months Norwegian 600,000-1,200,000-3,000,000-6,000,000-12,000,000-60,000,000+ Krone (NOK) 1,199,999 2,999,999 5,999,999 11,999,999 59,999,999 7 days month months months months months Singapore 150, , ,000-1,500,000-3,000,000-15,000,000+ Dollar (SGD) 374, ,999 1,499,999 2,999,999 14,999,999 7 days month months months months months South African 850,000-1,700,000-4,000,000-8,000,000-16,000,000-80,000,000+ Rand (ZAR) 1,699,999 3,999,999 7,999,999 15,999,999 79,999,999 7 days month months months months months Sterling 50, , , ,000-1,000,000-5,000,000+ (GBP) 99, , , ,999 4,999,999 7 days month months months months months Swedish 600,000-1,200,000-3,000,000-6,000,000-12,000,000-60,000,000+ Krona (SEK) 1,199,999 2,999,999 5,999,999 11,999,999 59,999,999 1 Swiss Franc 170, , ,000-1,700,000-3,500,000-17,500,000+ (CHF) 349, ,999 1,699,999 3,499,999 17,499,999 7 days N/A N/A N/A N/A N/A N/A 1 month N/A N/A N/A N/A N/A N/A 2 months N/A N/A N/A N/A N/A N/A 3 months N/A N/A N/A N/A N/A N/A 6 months N/A N/A N/A N/A N/A N/A 12 months N/A N/A N/A N/A N/A N/A Page 2 of 5

3 US Dollar 75, , , ,000-1,500,000-7,500,000+ (USD) 149, , ,999 1,499,999 7,499,999 7 days month months months months months Rates are dependent upon money market conditions and may fluctuate from day to day. - Interest is Applied at maturity. - Funds may only be withdrawn on the maturity of the deposit and funds added on the reinvestment date. - Instructions on existing deposits must be given by 12:00 noon on the day of maturity for Sterling deposits and for all other currencies, two working days before the maturity date. - In the event that the client maintains separate capital and income accounts, then only the principal sum of the maturing deposit will be reinvested for the same term as the preceding deposit and the interest (due from the maturing deposit) will be credited or paid to the client's designated income account. Executive Plus Account 20,000-50, , , ,999 99, ,999 Sterling , , , ,000+ US Dollar Euro , , , ,000+ Canadian Dollar Swiss Franc , , , , , , ,999 New Zealand Dollar Singapore Dollar , ,000-1,000,000-2,500, , ,999 2,499,999 Danish Krone Hong Kong Dollar Norwegian Krone South African Rand Swedish Krona , , , ,000+ Australian Dollar ,000,000-10,000,000-20,000,000-50,000,000+ 9,999,999 19,999,999 49,999,999 Japanese Yen Interest rates are reviewed on the 5th of each month. - Interest is Applied on the 5th of every month (or the previous business day) or on the closure of the account. - Funds may be withdrawn without notice. - Funds will not attract interest for the period during which the balance on an account falls below the minimum quoted. Page 3 of 5

4 Notice Accounts Sterling 100,000-15,000, Day Notice Day Notice US Dollar 150,000-20,000, Day Notice Day Notice Canadian Dollar 150,000-25,000, Day Notice Interest rates are reviewed on the 1st of each month. - Interest is Applied on the last day of every month (or the previous business day) or on the closure of the account. - The appropriate Notice period must be served and allowed to expire in full before accessing funds. - Upon giving Notice the funds will be placed on a Notice Contract for the appropriate Notice period. - The Notice Contract will be priced at the prevailing Notice Account interest rate upon giving Notice. Overdraft Interest Rates Executive Plus Account Australian Dollar Canadian Dollar Danish Krone Euro Hong Kong Dollar Japanese Yen New Zealand Dollar Norwegian Krone Singapore Dollar South African Rand Sterling Swedish Krona Swiss Franc US Dollar Interest rates are reviewed on the 5th of each month. - Debit interest is calculated daily and applied on the last working day of each month. - Overdrafts are not available on either or Notice accounts. - Please refer to the Bank's Terms and Conditions in respect of overdrafts. Page 4 of 5

5 Clients should note the important information provided in clause 3.2 of the Bank's Terms regarding Taxation before establishing or operating an account with the Bank. Although credit interest is paid gross you may well be liable to tax on this income in the jurisdiction in which you pay tax. In these circumstances, you are obliged to declare such income to the relevant tax authority. Royal Bank of Canada (Channel Islands) Limited ( the Bank ) is regulated by the Guernsey Financial Services Commission in the conduct of deposit taking and investment business and to act as a custodian/trustee of collective investment schemes in Guernsey and is also regulated by the Jersey Financial Services Commission in the conduct of deposit taking, fund services and investment business in Jersey. The Bank's General Terms and Conditions are updated from time to time and can be found at Registered office: Canada Court, St.Peter Port, Guernsey, Channel Islands, GY1 3BQ, registered company number Deposits made with the offices of Royal Bank of Canada (Channel Islands) Limited in Guernsey and Jersey are not covered by the UK Financial Services Compensation Scheme. Royal Bank of Canada (Channel Islands) Limited is a participant in the Guernsey and Jersey Banking Deposit Compensation Scheme(s). Each Scheme offers protection for qualifying deposits up to 50,000 per individual claimant, subject to certain limitations. The maximum total amount of compensation is capped at 100,000,000 in any 5 year period. Full details are available on the Scheme s website(s) or or on request. Copies of the official leaflet(s) can be found on the Guernsey and Jersey pages of our website. Copies of our latest audited accounts are available upon request from either the Bank's Guernsey office or its Jersey branch at the address stated below. / TM Trademark(s) of Royal Bank of Canada. Used under licence. Guernsey Office Royal Bank of Canada (Channel Islands) Limited PO Box 48, Canada Court, Upland Road, St. Peter Port Guernsey GY1 3BQ Jersey Branch Royal Bank of Canada (Channel Islands) Limited Gaspé House, Esplanade, St. Helier Jersey JE2 3QT Tel: +44 (0) Tel: +44 (0) Fax: +44 (0) Fax: +44 (0) ci_enquiries@rbc.com ci_enquiries@rbc.com RBC1215/May18 Page 5 of 5

Deposit Interest Rates

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