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R B C W E A L T H M A N A G E M E N T S E R V I C E S

The Navigator

2012 Handy Financial Planning FactsThe following is a summary of some common financial planning-related information that you can use as a handy

reference. Any values noted below are for 2012.

Retirement

Maximum CPP/QPP beneft at age 65 $986.67 per month

Maximum CPP/QPP beneft at age 60 $678.83 per month(31.2% reduction)

Maximum CPP contribution employer and employee $2,306.70 each annually

Maximum CPP contribution or sel-employed $4,613.40 annually

YMPE Yearly Maximum Pensionable Earnings $50,100

Maximum OAS beneft or Q1 $540.12 per month

OAS clawback rate$0.15 or every $1 o net income above $69,562; the ull OAS

is eliminated at a net income o $112,772 or higherCANSIM rate

2.61%(minimum rate or provinces is still 6%)

RRSP maximum annual deduction limit> $22,450 or 2011> $22,970 or 2012

RRSP withholding tax on withdrawals by a resident o Quebec/rest oCanada respectively

> 21%/10% or amounts up to $5,000> 26%/20% or amounts $5,000 $15,000> 31%/30% or amounts over $15,000

Education

Maximum annual RESP contributionUnlimited annual up to lietime maximum o $50,000per benefciary

Annual RESP contribution or maximum CESG

20% o frst $2,500 per benefciary = CESG up to $500. Plus20% o next $2,500 per benefciary i carryorward room isavailable = additional CESG up to $500. Maximum annualCESG = $1,000/year/benefciary

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Tax

EI maximum annual premium$839.97 ($674.73 in Quebec due to separatematernity and parental benefts)

EI insured earnings $45,900

Basic personal tax exemption $10,822

Federal tax brackets and rates based on taxable income

Taxable income Federal rate

$0 $42,706 15%$42,707 $85,413 22%$85,414 $132,405 26%$132,406 and over 29%

Eligible dividends (most public companies)Gross up is 38%; taxable amount is 138%Federal Tax credit is 15.0198% o taxable amount

Other than eligible dividendsGross up is 25%; taxable amount is 125%Federal tax credit is 13.3333% o taxable amount

Personal tax calculator website www.ey.com/ca/en/services/tax/tax-calculators

Government links

Canada Revenue Agency website www.cra-arc.gc.ca/menu-e.html

Canada Revenue Agency General Help Line 1-800-959-8281

Phone number/email or CPP/OAS queries1-800-277-9914http://www.servicecanada.gc.ca/eng/isp/cpp/cpptoc.shtmlhttp://www.servicecanada.gc.ca/eng/isp/oas/oastoc.shtml

Phone number/email or QPP queries

Regie de Rentes:

1-800-463-5185http://www.rrq.gouv.qc.ca/en/services/nous_joindre/Pages/nous_joindre.aspx

This document has been prepared or use by the RBC Wealth Management member companies, RBC Dominion Securities Inc. (RBC DS)*, RBC Phillips, Hager & North Investment Counsel Inc. (RBC PH&N IC), RBC GlobaAsset Management Inc. (RBC GAM), Royal Trust Corporation o Canada and The Royal Trust Company (collectively, the Companies) and their ailiates, RBC Direct Investing Inc. (RBC DI) *, RBC Wealth ManagemenFinancial Services Inc. (RBC WM FS) and Royal Mutual Funds Inc. (RMFI). Each o the Companies, their ailiates and the Royal Bank o Canada are separate corporate entities which are ailiated. *Members-CanadianInvestor Protection Fund. RBC advisor reers to Private Bankers who are employees o Royal Bank o Canada and licensed representatives o RMFI, Investment Counsellors who are employees o RBC PH&N IC and theprivate client division o RBC GAM, Senior Trust Advisors and Trust Oicers who are employees o The Royal Trust Company or Royal Trust Corporation o Canada, or Investment Advisors who are employees o RBC DSIn Quebec, inancial planning services are provided by RMFI or RBC WM FS and each is licensed as a inancial services irm in that province. In the rest o Canada, inancial planning services are available through RMFIRoyal Trust Corporation o Canada, The Royal Trust Company, or RBC DS. Estate and trust services are provided by Royal Trust Corporation o Canada and The Royal Trust Company. I speciic products or services arenot oered by one o the Companies or RMFI, clients may request a reerral to another RBC partner. Insurance products are oered through RBC WM FS, a subsidiary o RBC DS. When providing lie insurance productin all provinces except Quebec, Investment Advisors are acting as Insurance Representatives o RBC WM FS. In Quebec, Investment Advisors are acting as Financial Security Advisors o RBC WM FS. The strategies,advice and technical content in this publication are provided or the general guidance and beneit o our clients, based on inormation believed to be accurate and complete, but we cannot guarantee its accuracy orcompleteness. This publication is not intended as nor does it constitute tax or legal advice. Readers should consult a qualiied legal, tax or other proessional advisor when planning to implement a strategy. This wiensure that their individual circumstances have been considered properly and that action is taken on the latest available inormation. Interest rates, market conditions, tax rules, and other investment actors aresubject to change. This inormation is not investment advice and should only be used in conjunction with a discussion with your RBC advisor. None o the Companies, RMFI, RBC WM FS, RBC DI, Royal Bank o Canadaor any o its ailiates or any other person accepts any liability whatsoever or any direct or consequential loss arising rom any use o this report or the inormation contained herein. Registered trademarks o RoyaBank o Canada. Used under license. 2012 Royal Bank o Canada. All rights reserved. NAV0003 (02/2012)

> Please contact us for more information.

If you have any questions or require clarification of any of the issues discussed in this document, do not hesitate to discuss these

with your advisor.