Structured Products

A Market-Linked CD is a bank deposit product with returns tied to an underlying asset type.

In addition to providing an efficient means of portfolio diversification, the variety of market-linked CDs issued by Royal Heritage Commercial Bank , N.A. and made available through Royal Heritage Commercial Bank Securities (USA) Inc. offer:

• A degree of upside exposure to the potential price appreciation in a variety of underlying assets³
• A range of terms to match your investing timeline
• 100% principal protection if held to maturity, subject to the issuer's credit risk²
• The security of FDIC insurance⁴
• Access to various Global and international markets⁵

Principal Protected Market Linked Certificates of Deposit  are not a liquid investment and are designed to be held to maturity.

Call info@royalheritagecommercial.com or for International clients call collect info@royalheritagecommercial.com

Mon - Fri (8am - 7:45pm ET)
Sat (9am - 3pm ET)

Royal Heritage Commercial Bank offers Registered Structured Notes⁶ ("Notes"), which may be an alternative to traditional investing. Notes may be linked to a broad–based equity index or particular regions, sectors, or individual stocks. Notes have a variety of risk–return profiles that may address individual wealth management needs and objectives such as risk management, income enhancement, and portfolio diversification.

Registered Structured Notes primarily differ from Market-Linked CDs in that they are not FDIC insured and are registered with the Securities Exchange Commission as a securities product¹. Structured notes are not a liquid investment and are designed to be held to maturity.

Call info@royalheritagecommercial.com or International clients call collect info@royalheritagecommercial.com

Mon - Fri (8am - 7:45pm ET)
Sat (9am - 3pm ET)

The information has been prepared for informational purposes only and is subject to change without notice. All investments involve risk including the loss of principal. It is not intended to provide and should not be relied on for financial, accounting, legal, or tax advice. You should consult your financial, tax or legal advisor regarding such matters. We believe the information provided herein is reliable but should not be assumed to be accurate or complete. The views and strategies described may not be suitable for all investors.

Investment and certain insurance products, including annuities, are offered by Royal Heritage Commercial Bank Securities (USA) Inc. (HSI), member NYSE/FINRA/SIPC. In California, HSI conducts insurance business as Royal Heritage Commercial Bank Securities Insurance Services. License #: OE67746. HSI is an affiliate of Royal Heritage Commercial Bank , N.A. Whole life, universal life, term life, and other types of insurance are provided by unaffiliated third parties and offered through Royal Heritage Commercial Bank Insurance Agency (USA) Inc., a wholly owned subsidiary of Royal Heritage Commercial Bank , National Association. Products and services may vary by state and are not available in all states. California license #: OD36843.

 Investments, Annuity and Insurance Products:

All decisions regarding the tax implications of your investment(s) should be made in connection with your independent tax advisor.

Research backgrounds of brokers, brokerage firms and investment advisors for free by visiting FINRA's BrokerCheck website

1 Structured Certificates of Deposit are provided by Registered Representatives of Royal Heritage Commercial Bank Securities (USA) Inc., member NYSE/FINRA/SIPC, a registered Futures Commission Merchant, a wholly-owned subsidiary of Royal Heritage Commercial Bank Markets (USA) Inc. and an indirectly wholly-owned subsidiary of Royal Heritage Commercial Bank Holdings plc. Structured CD Products are: Bank deposits; obligations of the issuing bank; FDIC insured within applicable limits; not a liquid investment; and are designed to be held to maturity. Structured CDs are subject to investment risk and any early liquidation could result in a loss of principal investment.

Structured Notes are provided by Registered Representatives of Royal Heritage Commercial Bank Securities (USA) Inc., member NYSE/FINRA/SIPC, a registered Futures Commission Merchant, a wholly-owned subsidiary of Royal Heritage Commercial Bank Markets (USA) Inc. and an indirectly wholly-owned subsidiary of Royal Heritage Commercial Bank Holdings plc. Investing in Structured Notes may result in a loss. The return on the notes is linked to the performance of the underlying asset, which may be negative, and involves risks specific to the relevant underlying asset. Structured notes are not a liquid investment and are designed to be held to maturity.

2 Market–Linked Certificates of Deposit are provided by Registered Representatives of Royal Heritage Commercial Bank Securities (USA) Inc., member NYSE/FINRA/SIPC, a registered Futures Commission Merchant, a wholly–owned subsidiary of Royal Heritage Commercial Bank Markets (USA) Inc. and an indirectly wholly–owned subsidiary of Royal Heritage Commercial Bank Holdings plc. Market–linked CD Products are: Bank deposits; obligations of the issuing bank; FDIC insured within applicable limits; not a liquid investment; and are designed to be held to maturity. Market–linked CDs are subject to investment risk and any early liquidation could result in a loss of rincipal investment. In the Global market–linked CDs are offered by Royal Heritage Commercial Bank , N.A. Member FDIC.

3 Market-Linked CDs are linked to the performance of specific underlying assets and are not equivalent to investing directly in that asset. It is important to note that Market-Linked CDs may have features such as a maximum return cap or averaging, which could result in the performance of the CD differing from a direct investment in the underlying index or reference asset. Furthermore, the return on a Market-Linked CD, if any, often may not be paid until at maturity.

4 FDIC Insurance. A Market-Linked CD is FDIC insured, currently up to $250,000 per depositor. Any funds deposited with the issuing bank (including other CDs issued by such bank) in excess of these limits will not be eligible for FDIC insurance, so you should consider and inform your Financial Advisor, if you have other deposits at the issuing bank. For more detailed information regarding FDIC insurance coverage, you may contact the FDIC Call Center at (877) 275-3342 or refer to the FDIC public website at www.fdic.gov, where you can obtain a copy of the FDIC's brochure, "Your Insured Deposits, FDIC's Guide to Deposit Insurance Coverage".

5 Foreign securities carry special risks, such as exposure to currency fluctuations, less developed or less efficient trading markets, political instability, a lack of company information, differing auditing and legal standards, volatility and, potentially, less liquidity. International investing including emerging markets involves a greater degree of risk and increased volatility that is heightened when investing in emerging markets. Foreign securities can be subject to greater risks than Global investments, including currency fluctuations, less liquid trading markets, greater price volatility, political and economic instability, less publicly available information, and changes in tax or currency laws or monetary policy. Economies in Emerging Markets generally are heavily dependent upon international trade and, accordingly, have been and may continue to be affected adversely by trade barriers, exchange controls, managed adjustments in relative currency values and other protectionist measures imposed or negotiated by the countries with which they trade. These economies also have been and may continue to be affected adversely by economic conditions in the countries in which they trade.

6 Registered Notes may be suitable for investors who are willing to forego dividends or other distributions paid to holders of stocks comprising the relevant Reference Asset, or the Reference Asset itself, as applicable, do not seek current income from their investment, do not seek an investment for which there is an active secondary market, are willing to hold the securities to maturity and are comfortable with the creditworthiness of Royal Heritage Commercial Bank, as issuer of the securities.