Testy McTestalot

1. The Annual Percentage Yield (“APY”) as advertised is quoted as of 10/30/2025. APY is subject to change at any time without notice, including during the availability period.  RBC Wealth Management is not an FDIC-insured depository institution. FDIC insurance available with RBC Premium Savings is subject to certain conditions and FDIC insurance only protects against failure of a network bank. Deposits are a direct obligation of the network bank and are not an obligation of RBC Wealth Management. You may exclude network banks from eligibility to receive funds. For a list of the network banks, please see <a href="http://www.intrafi.com/network-banks" target="_blank">www.intrafi.com/network-banks</a>. In the RBC Premium Savings program (the “Program”) deposits are sent to demand deposit and/or to money market deposit accounts at participating network Federal Deposit Insurance Corporation (“FDIC”)-insured depository institutions (“Network Banks”) by RBC Wealth Management, a division of RBC Capital Markets, LLC, (“we,” “us” or RBC WM”)directly or via RBC Bank (Georgia), N.A., an FDIC-insured affiliate, acting as our agent and sub-custodian. Deposits that are placed through the Program at Network Banks are eligible for FDIC deposit insurance coverage in amounts up to the appliable FDIC insurance limit at each Network Bank. The Program relies on the services of IntraFi Network, LLC for the placement of deposits at third-party Network Banks. Deposits in the Program are not subject to market risk and potential value loss but are subject to the risk of a Network Bank’s failure. In the event a Network Bank fails, deposits at each Network Bank are eligible for FDIC coverage up to applicable limits.  RBC WM is not an FDIC-insured depository institution. FDIC insurance available with the Program is subject to certain conditions and FDIC insurance only protects against failure of the Network Bank. To meet conditions for pass-through FDIC deposit insurance, deposit accounts at Network Banks are titled, and deposit account records are maintained, in accordance with FDIC regulations for pass-through coverage. The depositor may exclude Network Banks from eligibility to receive its funds. A list of Network Banks is available at www.intrafi.com/network-banks. The FDIC standard maximum deposit insurance amount (“SMDIA”) is $250,000. The FDIC insurance coverage limit applies per depositor, per insured Network Bank for each account ownership category. Certain trusts are also insured above the standard limits, depending on their structure and beneficiaries. See <a href="http://www.fdic.gov/resources/depositinsurance" target="_blank">www.fdic.gov/resources/depositinsurance</a> for additional information.  Deposit placement through the Program is subject to the terms, conditions, and disclosures in applicable agreements. Although deposits are placed in increments that do not exceed the SMDIA at any one Network Bank, a depositor’s balances at RBC WM may exceed the SMDIA before settlement for deposits or after settlement for withdrawals. The depositor must make any necessary arrangements to protect such balances consistent with applicable law and must determine whether placement through the Program satisfies any restrictions on its deposits.  Monies held through the Program are not covered by Securities Investor Protection Corporation (“SIPC”).  RBC Premium Savings will earn the interest rate based on the daily balance in the account. Interest rates/APY (Annual Percentage Yield) are subject to change without notice. Minimum deposit and balance requirements apply and may change. Deposit limits may change and some conditions apply. For more information, please contact your financial advisor.  Neither RBC WM, nor its affiliates or employees provide legal, accounting or tax advice. All legal, accounting or tax decisions regarding your accounts and any transactions or investments entered into in relation to such accounts, should be made in consultation with your independent advisors. No information, including but not limited to written materials, provided by RBC WM or its affiliates or employees should be construed as legal, accounting or tax advice.  Please see the “Cash Management” section on our public website at <a href="http://www.rbcwm.com/disclosures" target="_blank">www.rbcwm.com/disclosures</a>. There you will find the RBC Premium Savings Program Terms and Conditions, Deposit Placement Agreement, and Program Interest Rates.

Client Strategies Team

The Client Strategies Team is a resource to help support you in your wealth planning goals, developing a strong understanding of your personal financial objectives, gathering valuable information and addressing complex financial and wealth strategies issues. Explore the bios below to learn more about the team.

Andy Forde

Managed Portfolio Strategist

As a member of the Managed Portfolio Strategies team, Andy serves as the primary source of advice on mutual funds, exchange-traded funds and managed accounts. The team provides customized advisory support via investment strategy, product selection and portfolio construction, as well as contributing to the management of discretionary model portfolios.

Adam Knutson

Insurance and Annuities Specialist

As an insurance and annuity product specialist, Adam helps financial advisors and their clients utilize insurance and annuity strategies as part of our holistic, goals-based wealth planning approach.

1. The Annual Percentage Yield (“APY”) as advertised is quoted as of 10/30/2025. APY is subject to change at any time without notice, including during the availability period.  RBC Wealth Management is not an FDIC-insured depository institution. FDIC insurance available with RBC Premium Savings is subject to certain conditions and FDIC insurance only protects against failure of a network bank. Deposits are a direct obligation of the network bank and are not an obligation of RBC Wealth Management. You may exclude network banks from eligibility to receive funds. For a list of the network banks, please see <a href="http://www.intrafi.com/network-banks" target="_blank">www.intrafi.com/network-banks</a>. In the RBC Premium Savings program (the “Program”) deposits are sent to demand deposit and/or to money market deposit accounts at participating network Federal Deposit Insurance Corporation (“FDIC”)-insured depository institutions (“Network Banks”) by RBC Wealth Management, a division of RBC Capital Markets, LLC, (“we,” “us” or RBC WM”)directly or via RBC Bank (Georgia), N.A., an FDIC-insured affiliate, acting as our agent and sub-custodian. Deposits that are placed through the Program at Network Banks are eligible for FDIC deposit insurance coverage in amounts up to the appliable FDIC insurance limit at each Network Bank. The Program relies on the services of IntraFi Network, LLC for the placement of deposits at third-party Network Banks. Deposits in the Program are not subject to market risk and potential value loss but are subject to the risk of a Network Bank’s failure. In the event a Network Bank fails, deposits at each Network Bank are eligible for FDIC coverage up to applicable limits.  RBC WM is not an FDIC-insured depository institution. FDIC insurance available with the Program is subject to certain conditions and FDIC insurance only protects against failure of the Network Bank. To meet conditions for pass-through FDIC deposit insurance, deposit accounts at Network Banks are titled, and deposit account records are maintained, in accordance with FDIC regulations for pass-through coverage. The depositor may exclude Network Banks from eligibility to receive its funds. A list of Network Banks is available at www.intrafi.com/network-banks. The FDIC standard maximum deposit insurance amount (“SMDIA”) is $250,000. The FDIC insurance coverage limit applies per depositor, per insured Network Bank for each account ownership category. Certain trusts are also insured above the standard limits, depending on their structure and beneficiaries. See <a href="http://www.fdic.gov/resources/depositinsurance" target="_blank">www.fdic.gov/resources/depositinsurance</a> for additional information.  Deposit placement through the Program is subject to the terms, conditions, and disclosures in applicable agreements. Although deposits are placed in increments that do not exceed the SMDIA at any one Network Bank, a depositor’s balances at RBC WM may exceed the SMDIA before settlement for deposits or after settlement for withdrawals. The depositor must make any necessary arrangements to protect such balances consistent with applicable law and must determine whether placement through the Program satisfies any restrictions on its deposits.  Monies held through the Program are not covered by Securities Investor Protection Corporation (“SIPC”).  RBC Premium Savings will earn the interest rate based on the daily balance in the account. Interest rates/APY (Annual Percentage Yield) are subject to change without notice. Minimum deposit and balance requirements apply and may change. Deposit limits may change and some conditions apply. For more information, please contact your financial advisor.  Neither RBC WM, nor its affiliates or employees provide legal, accounting or tax advice. All legal, accounting or tax decisions regarding your accounts and any transactions or investments entered into in relation to such accounts, should be made in consultation with your independent advisors. No information, including but not limited to written materials, provided by RBC WM or its affiliates or employees should be construed as legal, accounting or tax advice.  Please see the “Cash Management” section on our public website at <a href="http://www.rbcwm.com/disclosures" target="_blank">www.rbcwm.com/disclosures</a>. There you will find the RBC Premium Savings Program Terms and Conditions, Deposit Placement Agreement, and Program Interest Rates.

Consolidate your cash with RBC Premium Savings

Client Strategies Team

Andy Forde

Adam Knutson

RBC Wealth Management supports the arts, a tradition spanning over 100 years

Consolidate your cash with RBC Premium Savings