Derek Szeto

A market leader with a broad suite of insurance products and strong distribution -------------------------------------------------------------------------------- Insurance provides a wide range of life, health, home, auto, travel and wealth accumulation solutions to individual and group clients across Canada. We also offer reinsurance solutions for clients around the world. For information on our legal terms of use, visit http://www.rbc.com/legal/#social_media -------------------------------------------------------------------------------- Positioned for Success Improving distribution efficiency and deepening client relationships Focused on making it easier for clients to do business with us Pursuing select international opportunities to grow our reinsurance business

Loyalty Markets is a leading Canadian provider of micro-markets, office coffee, vending and pantry services. We provide an immersive retail experience to your workplace with a goal of increasing workplace productivity, employee satisfaction and improving company culture. Customers, technology and fresh food is at the core focus of our company. We run our business with the latest industry technology through a data driven approach. This ensures your workplaces are fully stocked with the products that your employees want most. We believe that micro-markets are built on the premise of a successful fresh food program. We offer diverse fresh food offerings sourced through our network of well known local brands. Our fresh program can be customized to accommodate different price points as well as different ethnic backgrounds. We strive to be a long-term partner that can make an immediate impact on your company by bringing a level of excellence and innovation to your employee break room.

At Walnut, we’ve cracked the nut on insurance and digitally flipped the traditional insurance model. Were embedding insurance into the products and services that you love.

A market leader with a broad suite of insurance products and strong distribution -------------------------------------------------------------------------------- Insurance provides a wide range of life, health, home, auto, travel and wealth accumulation solutions to individual and group clients across Canada. We also offer reinsurance solutions for clients around the world. For information on our legal terms of use, visit http://www.rbc.com/legal/#social_media -------------------------------------------------------------------------------- Positioned for Success Improving distribution efficiency and deepening client relationships Focused on making it easier for clients to do business with us Pursuing select international opportunities to grow our reinsurance business

Royal Bank of Canada is a global financial institution with a purpose-driven, principles-led approach to delivering leading performance. Our success comes from the 94,000+ employees who leverage their imaginations and insights to bring our vision, values and strategy to life so we can help our clients thrive and communities prosper. As Canadas biggest bank and one of the largest in the world, based on market capitalization, we have a diversified business model with a focus on innovation and providing exceptional experiences to our more than 17 million clients in Canada, the U.S. and 27 other countries. Learn more at rbc.com. We are proud to support a broad range of community initiatives through donations, community investments and employee volunteer activities. See how at www.rbc.com/community-social-impact. http://rbc.com/legalstuff. La Banque Royale du Canada est une institution financière mondiale définie par sa raison dêtre, guidée par des principes et orientée vers lexcellence en matière de rendement. Notre succès est attribuable aux quelque 94 000+ employés qui mettent à profit leur créativité et leur savoir faire pour concrétiser notre vision, nos valeurs et notre stratégie afin que nous puissions contribuer à la prospérité de nos clients et au dynamisme des collectivités. Selon la capitalisation boursière, nous sommes la plus importante banque du Canada et lune des plus grandes banques du monde. Nous avons adopté un modèle daffaires diversifié axé sur linnovation et loffre dexpériences exceptionnelles à nos plus de 17 millions de clients au Canada, aux États Unis et dans 27 autres pays. Pour en savoir plus, visitez le site rbc.com/francais Nous sommes fiers dappuyer une grande diversité dinitiatives communautaires par des dons, des investissements dans la collectivité et le travail bénévole de nos employés. Pour de plus amples renseignements, visitez le site www.rbc.com/collectivite-impact-social. https://www.rbc.com/conditions-dutilisation/

Loyalty Markets is a leading Canadian provider of micro-markets, office coffee, vending and pantry services. We provide an immersive retail experience to your workplace with a goal of increasing workplace productivity, employee satisfaction and improving company culture. Customers, technology and fresh food is at the core focus of our company. We run our business with the latest industry technology through a data driven approach. This ensures your workplaces are fully stocked with the products that your employees want most. We believe that micro-markets are built on the premise of a successful fresh food program. We offer diverse fresh food offerings sourced through our network of well known local brands. Our fresh program can be customized to accommodate different price points as well as different ethnic backgrounds. We strive to be a long-term partner that can make an immediate impact on your company by bringing a level of excellence and innovation to your employee break room.