Today, more and more investors are discovering that the key to successfully managing their cash and investments is by establishing one convenient, flexible and comprehensive account as the foundation for their finances. An Investment Access Account can provide this foundation. It's an account that provides you with what you need, when you need it.

Easy Access to Cash
When you don't need your cash, it should be working for you. But when you need money, it should be easily accessible. And when your money needs to move from one place to another, the more automatic the better. Our Investment Access Account provides several options for easily accessing your cash. Some of these options include:

Visa® Gold Debit Card
Your Investment Access Account includes a Visa Gold Debit Card with convenient, flexible features, including:

For more information about these benefits, please review the Visa Guide to Benefits.

RBC Online Bill Pay
RBC Online Bill Pay is an electronic bill payment service that enables you to pay your bills electronically. Use this service with your account(s)*. No paper checks, no stamps, no rushing to the mailbox to get the envelope postmarked in time. Simply set up your payees and you are ready to go. This service is offered at no charge** to our clients. Visit www.RBCOnlineBillPayUSA.com or follow the online enrollment link found on our client account website. If you don't currently have online access to your accounts, please ask your financial professional to help you sign up today.

Check-Writing
Investment Access Account check-writing privileges offer exceptional benefits, including:

You have a wealth of opportunities available to automate the movement of funds, including Automated Clearing House (ACH), wire transfers, and RBC Online Bill Pay.

Easy Access to Credit
If your Investment Access Account includes RBC Express® Credit, you have immediate access to credit by writing a check or using your Visa Gold Debit Card. You may borrow up to 50 percent of the value of eligible securities in your account. It's an easy way for you to help meet short-term borrowing needs, make larger purchases or leverage your securities to make additional investments. Ask your financial professional for more information on RBC Express Credit.

Identity Theft Protection¹
Preserving the privacy of your personal information is important to your overall financial security, and RBC is working with ITAC Sentinel® Plus to help protect you from identity theft. The plan offers three layers of protection to help keep your personal identity and financial assets safe,² including credit scores and monitoring; personal data monitoring; and other services and tools.

Simple, Comprehensive Account Management Tools
As the foundation for your investment needs, your Investment Access Account provides several features for tracking your portfolios. Whether you want to keep close tabs on your account or are only interested in the "big picture," this simple yet comprehensive account management tool provides the information you need, when you need it. These options include online access to your account, plus monthly and annual statements.

Features of the account statement include:

Put Your Money to Work Immediately
A key benefit of the Investment Access Account is that it keeps your money working for you all of the time. The cash in your account will automatically sweep into the cash or money market option you have selected. Choose from a variety of competitive taxable and tax-exempt cash investment options.

One Account that's Always Working for You
Make the Investment Access Account your foundation and you'll have easy access to the unprecedented opportunities in today's investment markets.

Talk to your financial professional today about the benefits of an Investment Access Account.

Investors should consider the investment objectives, risks, and charges and expenses of a fund carefully before investing. Prospectuses containing this and other information about the fund are available by contacting your financial professional. Please read the prospectus carefully before investing to make sure that the fund is appropriate for your goals and risk tolerance.

RBC Correspondent Services and/or RBC Advisor Services are not tax or legal advisors. All decisions regarding the tax implications of your investments should be made in connection with your independent tax, legal or estate planning professional.

An investment in a money market fund is not insured or guaranteed by the Federal Deposit Insurance Corporation (FDIC) or any other government agency. Although the funds seek to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in the funds.

RBC Express Credit is a margin product and may not be suitable for all investors. If the securities in your account decline in value, so does the value of the collateral supporting your loan, and, as a result, the firm can take action, such as to issue a margin call and/or sell securities or other assets in any of your accounts held with the member, in order to maintain the required equity in the account. Before you sign a Margin Agreement, it is important that you read and fully understand the Margin Disclosure Statement, which describes additional risks involved in trading securities on margin.