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Shopping Online More? Seven Tips to Prevent Identity Theft.

According to a 2018 survey of more than 2,000 Canadian internet users by Public Safety Canada, between 5% and 12% of Canadians have experienced identity theft and financial loss as a result of online activity. One of the reasons identity theft isn’t higher, despite the volume of online shoppers, is an increased digital literacy surrounding protecting data online. According to the report, eight out of ten Canadian internet users say they think it’s important to protect their personal information online.

While shoppers increase their online shopping literacy, scam artists and fraudsters evolve the ways they steal personal data. Here are seven tips to help you stay ahead in safeguarding your information while shopping online.

1. Look for “https” in the address bar

One of the simplest ways to help protect yourself while shopping online can be to make sure there’s an “https” and a lock icon in the address bar. Websites with “https” and the lock icon in the address bar use technologies like Secure Sockets Layer (SSL) or Transport Layer Security (TLS) to encrypt information sent through it, like your credit card number, making it more difficult for hackers to steal.

2. Use public WiFi with caution

Free public WiFi can be the Holy Grail for comparison shoppers, but when it comes to buying online, convenience can quickly dissipate into disaster. Public WiFi can be unsecured or use shared passwords, making it easier for malicious hackers to capture your information before it’s encrypted, even if you are using an “https” site.

Another way they could steal your data is by setting up fake “free WiFi” accounts mimicking the store you’re in. It may look legitimate, but you’ll have no way of knowing if nefarious data collection is going on behind the scenes. If you’re planning on doing online banking or shopping, avoid public WiFi and wait until you’re home.

3. Avoid setting up an account for easy checkout

Online retailers often offer to save your information, “For easier checkout next time.” While this can be convenient and streamline the shopping process down the road, no retailer can be completely immune from data breaches. One way to protect your identity is to avoid setting up an account altogether and checkout, “As a guest.” When accounts are necessary, use a password that includes a long string of random letters, numbers, and symbols.

4. Use a credit card with identity protection

Credit cards, generally speaking, tend to provider better security for consumers when shopping online, especially when combined with identity protection. If a thief somehow steals your number and is able to use it, you can report the incident and have your credit card provider investigate. Identity protection services, like FirstReport, provides monitoring from both Equifax Canada and TransUnion Canada, so you get early warning of potential identity theft, no matter which credit bureau the warning originates from.

5. Get an extra layer of protection with Verified by Visa

Like https, Verified by Visa offers another layer of protection, asking you to punch in your Verified by Visa password in order to confirm your identity. Many major retailers like Best Buy and IKEA include Verified by Visa protection for online shopping.

6. Make online purchases with pre-paid Visa Gift Cards

For those without credit cards, pre-paid Visa Gift Cards can be a game-changer; and they can be a good way to thwart scam artists. Like any gift card, funds can be loaded onto the pre-paid Visa with the added bonus that it can be used anywhere Visa cards are accepted including online, by phone or in-store. Once the funds are depleted the card is no longer functional; the cards also store no personal information and can be replaced if lost or stolen.

7. Review your credit statements for suspicious transactions

In addition to ensuring you’re secure while shopping, you should also keep tabs on how your card is being used so you can spot any suspicious transactions. While most cards offer alerts or notifications when a big purchase is made, be sure to review your account balance and credit card statements frequently (at least once a month) to ensure unknown transactions aren’t slipping by. Call your financial services provider if you notice anything “off” in your statements.

There’s no question online shopping is here to stay. But don’t let the convenience of buying online turn into the inconvenience and potential financial fallout of losing your identity.

Understanding the different parts of your insurance policy can be confusing. We’ll help you get it.

Contact an RBC Insurance Advisor to learn more. Call 1-877-749-7224. Call 1-877-749-7224.

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*Home and auto insurance products are distributed by RBC Insurance Agency Ltd. and underwritten by Aviva General Insurance Company. In Quebec, RBC Insurance Agency Ltd. Is registered as a damage insurance agency. As a result of government-run auto insurance plans, auto insurance is not available through RBC Insurance in Manitoba, Saskatchewan and British Columbia.

This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.

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Do you think life insurance is only for someone older than you? Or that it’s only something you need to think about when you’re married or start a family? Turns out, now might be the opportune time for you to get a policy.

Here are six reasons why getting life insurance earlier makes sense. 

1. Cheaper Premiums

There are many factors that affect life insurance premiums but your age and your health are arguably two top determinants, so why not lock in low premiums now? When you buy a term policy the rate is set and you pay the same premium for the duration of your policy term.

Some policies allow you to add on extra insurance later on or extend the life of your term policy if you need to. Sitting with an insurance advisor can help you determine what makes the most sense for your current lifestyle and life plans.

2. While You’re Still Eligible

Certain illnesses or health conditions can render you ineligible for most life insurance policies. Taking advantage of the now, while you’re hopefully still healthy, might prove to be beneficial. If you wait until later on in life, and unfortunately get sick in that time, you may no longer be eligible.

3. You Own – Or Plan To Buy – A Home

Being a homeowner is a great accomplishment, you have an asset you should be proud of. When you die however, the last thing you want is to leave a family member with the burden of paying for your home. That’s why having life insurance in place that can pay off the mortgage balance is important.

Buying a term life insurance policy to pay off your mortgage or adding to an existing term, permanent, or universal policies to cover the cost of your home may help protect your family.

4. You’re Getting Married Or Starting A Family Someday

Taking care of your family is important. Having a life insurance policy in place will help ensure that if something happens to you, you’ve equipped your family with the financial support they may need to stay in your current home, keep up with day-to-day expenses, help cover debt, and more. Most families budget and plan their lifestyles based on both incomes so a sudden and unexpected change in those plans could leave your spouse in financial hardship.

5. You’re Looking To Invest

Certain types of permanent life insurance policies can be used as a means to invest or save. A whole life or universal life policy are the two primary types of permanent insurance that allow you to accumulate investments inside the policy. With some participating whole life policies, you’re also entitled to dividends from the insurance company.

Two pros with these policies are one, your investment grows in a tax-sheltered basis within the policy. The second is that you can borrow against your life insurance policy’s cash value if you need money to, for example, buy a home, cover unexpected medical expenses or pay for your child’s education.

6. You Have Student Loans

If you have student loans, you may want to consider getting life insurance. While government student loans forgive your debt if you die, private student loans may become the responsibility of a co-signer in the event that something happens to you.

Since most people take out student loans when they’re relatively young and healthy, you may be able to get an inexpensive term life insurance policy to cover the value of your student loans during the standard 10-year repayment plan.

Different choices or plans for your life could determine when, how much and what kind of life insurance would make sense for you. The earlier you get a policy may help you save money, plan for your family and invest in your future.

Do you have questions about life insurance? We can help you get it. Speak to an RBC Insurance advisor.

Or call us at 1-866-223-7113.

Or call us at 1-866-223-7113.

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*Home and auto insurance products are distributed by RBC Insurance Agency Ltd. and underwritten by Aviva General Insurance Company. In Quebec, RBC Insurance Agency Ltd. Is registered as a damage insurance agency. As a result of government-run auto insurance plans, auto insurance is not available through RBC Insurance in Manitoba, Saskatchewan and British Columbia.

This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.

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Swear you’ll start it tomorrow? You may not be alone. 58% of Canadians are kept awake at night worrying about what would happen to their family’s finances if they weren’t around to provide for them, according to a 2018 poll conducted by Ipsos on behalf of RBC Insurance. And yet, only 4-in-10 say they planned ahead by getting life insurance.

Here are four things you may be thinking, and how to stop listening if a little voice is saying “You can put it off until later.”

“I’m too tired.”

When the daily grind slows to a halt and the kids are finally in bed, it can be hard to muster the energy to think strategically about tomorrow, let alone twenty years from now. Research released in 2017 by workflow management software company, Redbooth, indicates that nighttime may not be the right time to tackle a big project. Data collected over two years from the company’s hundreds of thousands of users, shows a surge in task completion between 9-11 am, a drop after lunch, and a significant decline after 4 pm. Make time to look at important issues.

“I’m overwhelmed.”

[quote-callout content=”Breaking down difficult tasks into manageable sub-goals might be the difference between getting started and staying stuck.” display=”all” position=”right”]

If the big picture seems too big, try starting small. Breaking down difficult tasks into manageable sub-goals might be the difference between getting started and staying stuck. If you have a goal of losing 50 lbs, as an example, start off by planning out the first 10 lbs, then reset your goals once that milestone was met.

“I’m too distracted.”

Turns out, phones may be making it harder to concentrate on the task at hand. A 2017 study published in the Journal of the Association for Consumer Research, measured participants’ cognitive capacity when their smartphones were on their desks, in their bags or pockets, or in another room. Results showed that the greater the distance placed between a person and their phone, even when not in use, the higher levels of working memory and fluid intelligence they displayed.

“I find it boring.”

Organizing your finances or planning for the future doesn’t have to spark joy, but that doesn’t mean it has to be a snore either. Upping the fun factor may make the process more enjoyable and leave you less prone to procrastination. If music’s your jam, crank it up! The right music may be a major motivator, producing power-related cognition and behaviors, including abstract thinking and making a first move according to a 2014 study by researchers at Northwestern University. If a little air makes you feel fresher, open a window or step outside. In 2017 researchers from Harvard, Syracuse University, and SUNY, found that increased ventilation resulted in better decision making, planning, preparation, and strategizing among workers.

“I don’t know where to start.”

Even when you can see the finish line, the starting line might not be totally clear, especially when it comes to something as important as planning for your family’s future. Start by making a small goal and work towards that first. Check out this article on how tiny changes can help transform your life.

 

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*Home and auto insurance products are distributed by RBC Insurance Agency Ltd. and underwritten by Aviva General Insurance Company. In Quebec, RBC Insurance Agency Ltd. Is registered as a damage insurance agency. As a result of government-run auto insurance plans, auto insurance is not available through RBC Insurance in Manitoba, Saskatchewan and British Columbia.

This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.

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Here are helpful tips to try to avoid getting the flu, and what to do if you do get sick this flu season.

Flu Fighting Season: Things you should know

Staving off the flu means not having to miss work or important events because you’re sick. More importantly though, each of us has a role to play in preventing the spread of the virus in our community and to vulnerable populations

Avoiding the Virus

Wash your hands with soap and water, many times throughout the day.

Keep your immune system strong by sleeping well, exercising regularly and eating nutritious foods.

Getting the shot

Getting the flu shot is a good way to protect against the virus.

Get the shot early as it takes your body about two weeks to develop the necessary immune response.

Recognizing the Flu

Severe joint and muscle aches, accompanied by sore throat, could be symptoms of flu. Start drinking plenty of fluids.

Sudden and unusual fatigue could indicate you’ve contracted the flu. In that case, rest is always best.

When the flu hits, a spoonful of honey can soothe an irritated throat, and warm mist helps to ease nasal congestion.

What Else You Can Do

• Avoid touching your eyes, nose and mouth.
• Avoid contact with sick people.
• Clean and disinfect surface areas.

If You Do Get Sick

Stay home! You are most contagious in the first 3-4 days after your illness begins, so for the sake of those around you, it’s important to stay home. Rest and plenty of fluids should be all you need, but if you experience difficulty breathing, chest pains, sudden dizziness, severe vomiting or confusion, make sure to visit the doctor.

For most of us, the flu means a bad few days of recovery, but for many, it can be very serious. For everyone’s benefit, it’s important to take the right precautions to stay healthy this flu season.

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*Home and auto insurance products are distributed by RBC Insurance Agency Ltd. and underwritten by Aviva General Insurance Company. In Quebec, RBC Insurance Agency Ltd. Is registered as a damage insurance agency. As a result of government-run auto insurance plans, auto insurance is not available through RBC Insurance in Manitoba, Saskatchewan and British Columbia.

This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.

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Did you know that purchasing a cash value life insurance policy is a way you could pay for your child’s education, and other financial goals, you might not have considered?

It’s never too soon to start planning for your child’s post-secondary education. The average annual cost of university for Canadian students living off-campus was $19,498.75 in 2017, and that number is expected to steadily increase every year. Luckily, you have time on your side!

Why Cash Value Life Insurance?

Cash value life insurance — also known as permanent life insurance — can act as an investment vehicle for the life insured, in this case your newborn, for life.

How does it do that? Once your child reaches adulthood, you can transfer the ownership of the policy to them. Then, they can borrow against the policy or withdraw the cash value that’s been accumulating since you bought it.

Life insurance pays benefits to one or more beneficiaries if the person insured passes away, but permanent coverage yields another benefit that can be used to secure your child’s financial future: cash value.

With universal life insurance, for example, only part of your premium (or what you pay for coverage) goes toward purchasing your insurance. The rest is invested to earn interest. And you can choose more conservative or more aggressive investment options based on how much risk you’re comfortable with taking on.

Insurance Can Help Secure Your Baby’s Future Plans

Your newborn may be just a baby, but eventually, they will grow up. And accumulating the cash value of a universal life insurance policy now can be a big help later on with things like:

  • Paying for their post-secondary education
  • Helping them buy their first car
  • Putting together a down payment for their first home
  • Funding a gap year before college or university so they can travel the world
  • Helping them start a business

And if they don’t end up using the cash value in their policy for any of those goals, they can also use it later in life to:

  • Supplement their retirement income
  • Help pay for their health care expenses that Medicare doesn’t cover
  • Cover their policy premiums
  • Help their own children with their financial goals

The Sooner You invest in Your Child’s Future, the Better

You can buy a permanent life insurance policy for your children at any time. But there are two significant advantages to getting coverage when your child is a newborn:

  • Coverage may be less expensive because they are so young
  • Your child has a longer window to accumulate the cash value

Permanent life insurance can be more expensive than term life insurance, which only covers the beneficiary for a set term, but term life doesn’t offer the cash value.

Universal life insurance combines the lower premium costs of term life insurance with the cash value and flexibility. That’s why there may be no better time to get a low rate on universal coverage than when your baby’s just made their debut to the world.

From a saving perspective, time is the most powerful tool your child has. The sooner your child is covered by a permanent life insurance policy, the longer the cash value component has to grow until they’re ready to use it.

So, Is Life Insurance Right for Your Baby?

There are several things to think about if you’re considering buying life insurance for your newborn. Start by asking yourself these questions:

  • What financial goals could life insurance help my child with?
  • How much coverage should I buy for my newborn, and what’s the cost?
  • What are the policy’s investment options?
  • How does life insurance fit into our family’s larger financial plan? For example, if you’re saving for college or university in an RESP, or investing money for your loved ones, would the policy still be as useful?

If you think universal life insurance for your newborn may be a good fit financially, talk to an advisor.

 

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*Home and auto insurance products are distributed by RBC Insurance Agency Ltd. and underwritten by Aviva General Insurance Company. In Quebec, RBC Insurance Agency Ltd. Is registered as a damage insurance agency. As a result of government-run auto insurance plans, auto insurance is not available through RBC Insurance in Manitoba, Saskatchewan and British Columbia.

This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.

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Parking is the least favourite part about shopping or going anywhere. There are so many factors like finding a spot to begin with, maneuvering into your spot, and then leaving safely.

How to Handle a Parking Lot Accident

While parking lot accidents are usually of the fender-bender variety, the first rule is the same: stay calm and check everyone in your vehicle for injuries. If you need medical help for yourself, a passenger or the other driver, call 911 immediately and consider the following:

  • Don’t assume or place blame. Even a simple “I’m sorry” could be taken as an admission of fault in a car accident, and finger-pointing usually only makes things worse. 
  • Assess the damage to both vehicles. Take pictures of the damage and the positions of all cars involved. Take note of the road conditions and get the name and contact information of anyone who witnessed the accident. 
  • If your cars are blocking a roadway, move them out of the way if it’s safe to do so. Don’t do this until after you’ve taken pictures of the accident.
  • If you suspect the other driver is intoxicated or did something illegal to cause the accident alert the police. Keep in mind that police may not respond to an accident that takes place on private property unless there’s damage to the property, someone is injured, or the accident involves drugs and alcohol or an unlicensed/uninsured driver. 
  • Exchange insurance information with the other driver, including your name, driver’s license number, phone number, your insurer’s name and phone number and your policy number. 
  • Consider whether you should file a police report if there are no injuries. In Alberta, Ontario and Nova Scotia, a report is required when the combined damage to both vehicles exceeds $2,000. Most provinces don’t require a report to be filed when damages are less than $1,000. 
  • If you hit a parked car, take photos of the damage to both vehicles, then try to find the driver or wait for them to return to exchange information. Be aware that leaving the scene of an accident is a criminal offense under Canada’s Criminal Code, punishable by imprisonment. Some provinces also impose steep fines or jail time for leaving the scene. If no one arrives, leave a note with your name, phone number, driver’s license number and license plate so that the driver of the other vehicle can contact you should there be any issues. 
  • Contact your insurance company as soon as possible and explain what happened. They can help you determine if you need to file a claim for an accident. Review your policy so you know exactly what you’re covered against. 
  • If you feel any pain or suspect you might have an accident-related injury after the fact, see your doctor as soon as possible. Document any and all doctor visits, the nature of any diagnosed injuries and any treatments or medications your doctor prescribes.

Avoiding a Parking Lot Car Accident

While you may not be able to accident-proof yourself completely when shopping, there are some things you can do to reduce the odds of being involved in a parking lot crash:

  • Time your visit to stores and venues when parking lots may be less crowded. Consider shopping in the morning or later in the evening. 
  • Don’t drive distracted. That includes when you’re cruising the aisles looking for a spot, pulling into a spot or backing out of one. Stay alert for cars and pedestrians at all times. 
  • Don’t box yourself in between larger vehicles. That could make it harder to navigate your way in or out of a spot, potentially increasing the chances of dinging another vehicle. 
  • Reverse into a parking spot so that it’s easier to see to your surroundings when it’s time to leave. 
  • Turn on your running lights or headlights when parking in a garage. Do the same in parking lots if rain, sleet, snow or fog make it harder to see. Having your lights on can make you more visible to other drivers. 
  • Use your mirrors and back-up camera to check for pedestrians and other cars behind. If your car doesn’t come with a back-up camera, there are loads of aftermarket ones available.  
  • If you want to avoid your car being involved in a parking lot accident altogether, consider taking a taxi, ride-share or public transit to busy venues.

A parking lot collision — even a minor one —can really throw a wrench in your day. Be prepared by following these tips and always take your time when driving.

To ensure that you have the right car insurance coverage, call 1-877-749-7224 to speak with a RBC licensed insurance advisor.

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*Home and auto insurance products are distributed by RBC Insurance Agency Ltd. and underwritten by Aviva General Insurance Company. In Quebec, RBC Insurance Agency Ltd. Is registered as a damage insurance agency. As a result of government-run auto insurance plans, auto insurance is not available through RBC Insurance in Manitoba, Saskatchewan and British Columbia.

This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.

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Whether you’re self-employed or employed by an existing company, if you’re unable to perform your job, your position nor your paycheque is guaranteed. While we all would hope to live a healthy, incident-free life, realistically – and statistically – things go wrong. And during those times, it pays to be protected – especially when bills start piling up. So what can you do to protect your paycheque, and your savings when this happens?

Notable Life and RBC Insurance partnered up for a weekend of wellness, learning and fun up in Sundridge Ontario at The Northridge Inn. The guest list included freelance writers, photographers, nutritionists, trainers, entrepreneurs and more. In addition to the guests, RBC Insurance advisors were on site to answer the dozens of questions we all had on insurance and particularly income protection. In my mind, the only way to protect your paycheque was in a piggy bank. But to think that you can protect what you’ve worked to save and your future paychecks in case something happens? Now that, I needed to know about.

1. Disability insurance ensures that you can still cover the bills, even if you’re unable to work.

Income protection a.k.a. disability insurance helps to ensure that you’re still maintaining that salary you were once making at the job you’re no longer able to perform. If you’re unable to work due to a serious injury or illness, disability insurance ensures you’ll be able to cover your bills despite your inability to work.

2. Critical illness payouts can seriously help when hit with a serious illness.

Devastating health problems like cancer, kidney failure or heart attacks can be stressful enough on the body – let alone the mind. Critical illness insurance provides a lump sum payment that can be used for whatever you want – from bills to therapy or treatment, so that you can focus on getting better and not your finances.

3. Disability insurance covers mental health and stress leave

One in 5 Canadians will suffer from mental health issues1. The last thing you want to do if you can’t get out of bed is worry about how you’re going to pay the bills. It’s always better to be protected than put yourself under more emotional and financial stress.

4. Critical illness and disability insurance help with rehabilitation.

All you should worry about is getting better when you’ve suffered a physical or mental blow. In addition to financial support, critical illness and disability insurance policies through RBC Insurance both provide a number of assistance services that can help you with rehabilitation and help you better cope with the emotional stress and challenges of a disability or critical illness.

5. Disability insurance isn’t one size-fits-all.

Some of us are more prone to injury or have certain illnesses in our family history. Some of us are climbing the ladder faster and thus our income moves up more each year. Essentially, everyone’s income is different, everyone’s risk for illness or injury is different and your needs change as your income changes – so your coverage needs are likely unique to your life. The best approach to getting the right coverage is to sit down with a licensed insurance advisor who can understand your situation and recommend the best coverage plan for your needs.

RBC Insurance is committed to helping consumers feel more confident in their insurance decisions. They want to make sure that their clients are informed and knowledgeable about the different types of insurance and what will work for them and their families.

Interested in learning more about disability and critical illness insurance?

Speak with an RBC Insurance advisor to chat about options that best suit your needs or call us at 1-866-262-7920.

1) Source: Mental Health Commission of Canada

 

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*Home and auto insurance products are distributed by RBC Insurance Agency Ltd. and underwritten by Aviva General Insurance Company. In Quebec, RBC Insurance Agency Ltd. Is registered as a damage insurance agency. As a result of government-run auto insurance plans, auto insurance is not available through RBC Insurance in Manitoba, Saskatchewan and British Columbia.

This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.

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