Personal Pension Plans

®/™ Trademark(s) of Royal Bank of Canada. Used under licence.‡ All other t rademark(s) a re the property of their respective owner(s).

Pension PlansMutual Funds Investment Services Private BankingWealth ManagementBusiness Banking

Ask your RBC Royal Bank ™ representative for further information.

RBC and Royal Fidelity have partnered to provide you with the ultimate in financial convenience: A one-stop-shop for everything from mutual funds, pension plans, and investment services from Royal Fidelity

and private banking, business banking and wealth management services from RBC.

Successful financial planning for the future requires having partners you can trust. Why not find out how you can benefit from our partnership?

We’re ready to serve you.

+Working together to serve you better

®/™ Trademark(s) of Royal Bank of Canada. Used under licence.‡ All other t rademark(s) a re the property of their respective owner(s).

Pension PlansMutual Funds Investment Services Private BankingWealth ManagementBusiness Banking

Ask your RBC Royal Bank ™ representative for further information.

RBC and Royal Fidelity have partnered to provide you with the ultimate in financial convenience: A one-stop-shop for everything from mutual funds, pension plans, and investment services from Royal Fidelity

and private banking, business banking and wealth management services from RBC.

Successful financial planning for the future requires having partners you can trust. Why not find out how you can benefit from our partnership?

We’re ready to serve you.

+Working together to serve you better

ROYAL FIDELITY PERSONAL PENSION PLAN 1

About Us

Since inception in 1997, Royal Fidelity has been committed to helping clients create and manage wealth. We are a

50/50 joint venture between RBC Royal Bank and Fidelity Bank & Trust International Ltd, combining global knowledge

and local intelligence. Offering a wide range of investment products and services in Barbados and The Bahamas, our

financial solutions are designed to help you meet and achieve your investment goals. These include:

Personal Pension Plans Mutual Funds Trusts & Estate Planning

Group Pension Plans Investment Management Stock Brokerage

Educational Investment Accounts Corporate Finance

When we talk about retirement, we’re talking about the longest holiday of your life! Your pension is an essential

part of your financial planning. The Royal Fidelity Personal Pension Plan is not just a pension plan; it’s a flexible

wealth management programme designed to help you attain a financially secure retirement. It is designed to

create retirement income thereby allowing you to enjoy those golden years.

The peace of mind you are dreaming of…

The Royal Fidelity Personal Pension Plan

• Superior Investment Performance.

• Flexible Structure.

• Efficient Administration.

• Competitive fees.

Key Features

Select from a range of investment portfolios and decide which combination best meets your requirements.

Invest the amount you want, when you want.

Regular reporting and online access.

Low annual administration fees.

ROYAL FIDELITY PERSONAL PENSION PLAN2

• How much will I need when I retire?

There is no magic number for the amount you should have

available for retirement, since each individual’s priorities

and needs are unique. However, it is estimated that you will

need at least 70% of your pre-retirement earnings.

For example, if your yearly income at present is $30,000, you

would need at least $21,000 per year after retirement, in

order to maintain your lifestyle.

• Can I rely solely on my National Insurance pension?

Your National Insurance pension will likely only meet a small

portion of your retirement requirements so your employer

and/or personal pension investments will form the core of

your retirement assets. If you’re thinking about maintaining

your lifestyle at retirement, you’ll need to take matters into

your own hands.

• How soon should I start saving for retirement?

Believe it or not, the early bird really does catch the

worm. The earlier you can contribute savings towards your

retirement, the more time they will have to grow. When

it comes to preparing for a comfortable retirement, time

can be your biggest ally. An extra 1% can be the difference

between retiring on your terms or someone else’s.

Things to think about…

Key Features

ROYAL FIDELITY PERSONAL PENSION PLAN 3

ROYAL FIDELITY PERSONAL PENSION PLAN4

Investment choices that reflect your reality…

Where are my funds invested?

As you go through each stage in life, it’s critical that your investments are adjusted to suit your timeline and risk

tolerance. Royal Fidelity has multiple investment options to help you achieve your personal goals.

Income Fund Balanced Fund Equity Fund Guaranteed Fund

Invests in fixed income securities including Government and corporate bonds, and preference shares.

You are approaching retirement (within a five year period) and seeking to safeguard and maximize on your accumulated assets.

Low

Description

This fund is for you if…

RISK

Invests in fixed income securities and equities.

Retirement is within 10 to 20 years and you are looking for a mixture of safety and modest capital appreciation.

Moderate

Low Volatility Fund (USD) Global Equity (USD) Global Fixed Income (USD)

Invests in equities and select private placements.

Invests in fixed income securities, including Government and corporate bonds and preference shares

Invests in a portfolio of broadly diversified USD-denominated securites, including value funds and Exchange Traded Funds (EPS).

Invests in higher yielding global fixed income instruments.

A Royal Fidelity advisor can help you determine a good mix for your objectives and risk tolerance. Also, your investment choice is not locked in, you can switch your money between any of the funds at no additional charge.

High None

You have between 20 to 40 years before you retire and are willing to take a hight level of risk in order to potentially get a high level of return.

You do not want to take any risk, retirement is within five years or less and you want to preserve your investment.

You want aggressive growth exposure to international market, are willing to take a high level of risk, and retirement is within the next 20 to 40 years.

You want reletive stability of fixed income returns, but also want exposure to the international markets.

High Low

invest in a portfolio of USD-denominated hedge fund managers, who follow a Long/Short investing strategy, which can benefit from both advances and declines in the market.

You want international equity exposure, but also want to minimize the effect that volatile international markets can have on your investment.

Alternative

Description

This fund is for you if…

RISK

5ROYAL FIDELITY PERSONAL PENSION PLAN

Low Volatility Fund (USD) Global Equity (USD) Global Fixed Income (USD)

ROYAL FIDELITY PERSONAL PENSION PLAN6

Let your money work for youHow do I keep track of my Personal Pension Plan?

Royal Fidelity will ensure that you are kept informed via quarterly investment reports. You are also able to access

your pension statement online at any time. Additionally, our qualified pension professionals are available for

telephone assistance and one-on-one appointments on request.

The best time to start protecting your future is now!

How do I sign up?

Take the first step by calling a Royal Fidelity advisor today. Along with the completion of Royal Fidelity’s

documentation, the following supporting items are required:

• Current passport or valid work permit

• NIB card

• Utility bill showing your name and home address or a Bahamian driver’s licence

7ROYAL FIDELITY PERSONAL PENSION PLAN

Additional Benefits – Fidelity Bank (Bahamas) Ltd

As a result of our strategic alliance with Fidelity Bank (Bahamas) Limited we also make

available to all Plan Participants the following benefits:

• Consumer Loans: A reduction of 1% on consumer loans

• Term Deposits: An increase of up to ½% on term deposits

• Savings Deposits: An increase of up to ½% on savings deposits

• Mortgages: A reduction of 50% of commitment fee

• Visa Credit Cards: Waive the first year annual fees

• Internet Banking: Waive the first year annual fees

.

*Be advised that all other normal loan underwriting conditions applies.

ROYAL FIDELITY PERSONAL PENSION PLAN8

BAHAMAS#51 Frederick StreetP.O. Box N4853Nassau, BahamasP: 242.356.9801F: 242.326.3000

BARBADOSRoyal Fidelity House27 Pine RoadP.O. Box 1338St. Michael Barbados 11113P: 246.435.1955F: 246.435.1964

Personal Pension Plan

Royal Fidelity Merchant Bank & Trust Limited is a 50/50 joint venture between the Royal Bank of Canada and Fidelity Bank & Trust International Limited

www.royalfidelity.com