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Retiree Benefits Program - Post-March 1994 Retirees

Retiree Benefits Program - Post-March 1994 Retirees December 2012 Page 1 This booklet is intended to provide a reasonable and easy-to-understand summary of the main aspects of the Retiree Benefits Program applicable to eligible Canadian employees of Royal Bank and Royal Trust who retired after march 1, 1994 and prior to January 1, 2010 and employees of RBC Insurance who retired after January 1, 1999 and prior to January 1, 2010. All of the Benefits outlined in this booklet are governed by separate governing policies. Every effort has been made to provide an accurate summary . If there are any differences between the information in this booklet and in the governing policies, the governing policies will rule. In no way does this booklet create or confer to you any contractual rights or obligations.

Retiree Benefits Program - Post-March 1994 Retirees December 2012 Page 1 . This booklet is intended to provide a reasonable and easy-to-understand summary of …

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