Terms Supplement to the S&P 500 Indexed Certificates of Deposit Disclosure Statement. Important Information About the Index Interest Calculation
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1 EICD Offering #1 RBC CENTURA BANK S&P 500 COMPOSITE STOCK PRICE INDEX EQUITY-INDEXED CERTIFICATES OF DEPOSIT (QUARTERLY COMPOUNDED) Terms Supplement to the S&P 500 Indexed Certificates of Deposit Disclosure Statement This Terms Supplement should be read in conjunction with the Disclosure Statement and the Trade Confirmation, each relating to the S&P 500 Indexed Certificates of Deposit, and supplements the description of the general terms and provisions of the CDs set forth in such Disclosure Statement. Terms not defined in this Supplement are defined in the Disclosure Statement. The CDs may not be appropriate for every investor. Please refer to the section headed Important Investment Considerations in the Disclosure Statement for a discussion of the risks involved with an investment in the CDs. The Issuer of the CDs, RBC Centura Bank, is an affiliate of RBCDR. Both are owned, directly or indirectly, by Royal Bank of Canada. Important Information About the Index Interest Calculation Index Interest will be determined based upon the compounded percentage changes (positive or negative) in the level of the Index on the Valuation Dates (set forth below), subject to a cap of 8% on any increase in the level of the Index between any consecutive Valuation Dates and no limit on decreases in the level of the Index. Assuming the Index does not increase by more than 8% between any consecutive Valuation Dates during the term of the CDs, at maturity you will receive interest equivalent to the amount of interest you would receive if Index Interest was calculated solely based on the beginning and ending levels of the Index over the term of the CDs, unless the compounded percentage changes of the Index for the term of the CD is less than the Minimum Interest Amount, in which case you would receive interest equal to the Minimum Interest Amount. If the level of the Index increases by more than 8% between any consecutive Valuation Dates during the term of the CDs, the interest you receive at maturity may be significantly different than the interest you would receive if Index Interest was calculated solely based on the percentage change in the level of the Index from the beginning of the term of the CDs to maturity. You should examine the effects of the 8% cap on the calculation of the Index Interest payable on the CDs before deciding to invest in the CDs. Please review the section headed Sample Return Analysis below. The maximum interest rate on the CDs will be % annual percentage yield ( APY ) or $3, per $1,000 deposited (see Interest Calculation below). At maturity, you will receive 100% of your Deposit Amount plus the greater of the Index Interest or the Minimum Interest Amount of % APY or $50.00 per $1,000 deposited.
2 Instrument: Issuer: Term: S&P 500 INDEXED CERTIFICATES OF DEPOSIT RBC CENTURA BANK Five (5) Years Settlement Date: May 19, 2003 Pricing Date: May 20, 2003 Maturity Date: May 20, 2008 Payment Date: May 23, Interest: Index Interest: The interest you will receive on the CDs will be either: (1) Index Interest, if any, determined on the Maturity Date and based upon the calculation of the Index Interest, or (2) the Minimum Interest Amount, whichever is greater. Index Interest will be based upon the compounded Capped Periodic s (positive or negative) in the level of the Index, measured over each threemonth period beginning on the respective Start Date and ending on the respective Valuation Date during the term of the CD (each, a Valuation Period ), subject to a maximum positive percentage change in any particular Valuation Period equal to 8%. The Start Date for any Valuation Period is the Business Day next following the preceding Valuation Date, except that the initial Start Date is May 21, At maturity, all of the Capped Periodic s are compounded to determine the Index Interest. See the section headed Important Additional Disclosure below. Interest Calculation: The amount of Index Interest or the Minimum Interest Amount you would receive on the Payment Date is described in the following formulas: Index Interest = [Deposit Amount] x [ ] Minimum Interest Amount = [Deposit Amount] x 5% See the section headed below. On the Payment Date, you will receive the Index Interest or the Minimum Interest Amount, whichever is greater. The amount you would receive on the Payment Date is described in the following formula: Total Dollars Returned at Maturity = [Deposit Amount] + [Index Interest] or [Deposit Amount] + [Minimum Interest Amount], whichever is greater. Minimum Interest Amount: Initial Index Level: 5% of the amount of the Deposit Amount over the term of the CD, % APY. The closing level of the Index on the Pricing Date. 2
3 Valuation Dates: August 20, 2003, November 20, 2003, February 20, 2004, May 20, 2004, August 20, 2004, November 22, 2004, February 22, 2005, May 20, 2005, August 22, 2005, November 21, 2005, February 21, 2006, May 22, 2006, August 21, 2006, November 20, 2006, February 20, 2007, May 21, 2007, August 20, 2007, November 20, 2007, February 20, 2008 and the Maturity Date. Early Withdrawal: In the event of the death of the owner of a CD, early withdrawal of the CD will be permitted, up to $100,000 of the Deposit Amount. The balance of the Deposit Amount above $100,000 will remain subject to the terms of the CD and may not be withdrawn prior to the Maturity Date. Minimum Deposit: $5,000 In the event of early withdrawal, RBCDR will endeavor to obtain funds for you as soon as possible. RBCDR will not advance funds in connection with early withdrawals and can give no assurances that payment pursuant to early withdrawals will be made by a specified date. RBCDR may require documentation evidencing the death of the owner of the CD. As discussed under the section headed Secondary Market below and in the subsection headed Secondary Market under Important Investment Considerations in the Disclosure Statement, a secondary market may be available in which you can sell your CD prior to maturity. FDIC Insurance: Federal Tax (OID): Up to $100,000 per depositor, aggregated with other deposits held by the depositor at the Issuer in the same legal capacity. See the section headed Deposit Insurance in the Disclosure Statement for important information about FDIC coverage. Most U.S. holders of the CDs, other than those purchasing the CDs through a tax advantaged retirement account (such as an IRA), are subject to tax rules requiring them to include in their taxable income during each tax year in which the CDs are outstanding imputed interest income on the CDs even though no interest, if any, will be paid on the CDs until maturity. Most U.S. holders of the CDs will accrue OID over the term of the CDs based on the CD s comparable yield. The Issuer is required to provide depositors holding CDs the comparable yield and, solely for tax purposes, is also required to provide to U.S. holders an assumed payment schedule based on the comparable yield that estimates the amount of every contingent and noncontingent payment (an Assumed Payment Schedule ). See the section headed Federal Income Tax Consequences in the Disclosure Statement. : will equal an amount, expressed as a percentage rounded to 3 decimal places, determined based on the compounded Capped Periodic s ( CPPC ), positive or negative, as the case may be, calculated for each Valuation Period during the term of the CD. Specifically, the will equal to: [(1 + CPPC FIRST ) x (1 + CPPC SECOND ) x... (1 + CPPC Nth ) x... (1 + CPPC LAST )] - 1 where CPPC FIRST, CPPC SECOND, CPPC Nth and CPPC LAST are the Capped Periodic s for the first, second, any additional intervening, and last Valuation Periods, respectively. 3
4 The Capped Periodic for a Valuation Period will equal the lesser of (a) 8% and (b) the following amount (positive or negative), expressed as a percentage, rounded to 3 decimal places and determined for the Valuation Period as follows: (Ending Level - Starting Level) Starting Level where Starting Level will equal, in the case of the initial Valuation Period, the Initial Index Level, and in the case of each subsequent Valuation Period, the level of the Index on the last day of the immediately preceding Valuation Period, in each case subject to postponement in the event of a Market Disruption Event; and Ending Level for a Valuation Period will be the level of the Index on the last day of the Valuation Period, in each case subject to acceleration or postponement in the event of a Market Disruption Event. In no circumstance may the CPPC for a Valuation Period be greater than 8%. The CPPC for a Valuation Period may be negative. Calculation Agent: Secondary Market: Issuer RBCDR or one of its affiliates, though not obligated to do so, may maintain a secondary market in the CDs after the Settlement Date. SAMPLE RETURN ANALYSIS: The examples set out below are included for illustration purposes only. The levels of the Index used to illustrate the calculation of Index Interest are not estimates or forecasts of the levels of the Index on which the Starting and Ending Levels, the calculation of the, and in turn Index Interest, will depend. All examples assume that a customer has purchased a CD with a Deposit Amount of $5,000 and that no Market Disruption Event has occurred. The initial Starting Level for the Index is assumed to be In each example, the Valuation Dates are the 15th day of August, November, February and May of each year, commencing August 15, The possibility exists that you may not earn any Index Interest on your CDs greater than the Minimum Interest Amount even if the level of the Index increases during one or more Valuation Periods, or if the Index level as of the Maturity Date is more than 8% greater than the Initial Index Level. VALUATION PERIOD Index Level , , % 3.00% -2.00% % 10.00% 8.50% 10.00% CPPC 5.00% 3.00% -2.00% % 8.00% * 8.00% * 8.00% * 4
5 VALUATION PERIOD Index Level 1, , , , , , , % -2.00% % 14.00% 2.00% 9.00% -3.00% CPPC 2.00% -2.00% % 8.00% * 2.00% 8.00% * -3.00% VALUATION PERIOD Index Level 1, , , , , , % -8.00% 3.00% 8.50% 2.00% 6.00% CPPC -4.00% -8.00% 3.00% 8.00% * 2.00% 6.00% * CPPC subject to 8% cap. Because the actual percentage return for that Valuation Period exceeded the 8% cap, the CPPC for that Valuation Period used for purposes of calculating the Index Interest was 8%. Index Interest = [ ( ) x ( ) x ( ) x ( ) x ( ) x ( ) x ( ) x ( ) x ( ) x ( ) x ( ) x ( ) x ( ) x ( ) x ( ) x ( ) x ( ) x ( ) x ( ) x ( ) ] 1 = or % Index Interest ($) = $5,000 x % = $1, Total Dollars Returned at Maturity = $5,000 + $1, = $6, All numbers provided in these examples are for illustrative purposes only and do not reflect predictions of Index levels. IMPORTANT ADDITIONAL DISCLOSURE: THE CDs ARE NOT SUITABLE FOR ALL INVESTORS. It is difficult to predict the effect of the quarterly cap on the Index Interest of the CDs. The quarterly cap can produce a substantially lesser amount of Index Interest than using the beginning and ending values of the Index to calculate the Index Interest. During the term of the CDs, you may obtain from the Wall Street Journal the closing values of the Index on the Valuation Dates #358059v6 5
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