Important:

This document is for your information only. Please scroll to the bottom
and click “Complete” to acknowledge that you have read it. Doing so
will not register you to the RSP deductions.

Saving for Retirement Just Got Easier!

For some of you, retirement is still a long time in the future, whereas for others it could be right around the corner.
Regardless of your situation, we believe it is important to set yourself up today for the kind of retirement you’d
like to have in the future.

With that in mind, Ardene has partnered with the Royal Bank of Canada (RBC) to offer employees across Canada
who have a minimum of three months of service the opportunity to make regular contributions to a Retirement
Savings Plan through pre-tax payroll deductions (as a percentage % of your pay). RBC will also help you build a
personalized retirement plan, with the guidance of a Financial Planner, that takes into consideration your current
situation and your plans for the future.
Your participation is voluntary and at any time you may change the amount of your contributions or stop
contributing to the plan by notifying the Ardene Payroll department.

What Do You Need to Sign-Up?

 Two pieces of identification (passport, driver’s license, etc.)
 Your employee number and social insurance number
 Ardene’s plan number: 015665

How to Sign-Up?
IN PERSON
 Visit your local RBC branch (Find it here
https://maps.rbcroyalbank.com).
 An RBC advisor will review your requirements,
provide guidance on your investment options,
and fill out the required form with all of your
information.
 You will then receive a copy of your completed
application form for your records and a copy for
you to forward to the Payroll department by
email: hrpayroll@ardene.com
BY TELEPHONE
 Call 1-888-769-2566 and let RBC know you’d like to
set up a retirement savings plan through your
employer.
 An RBC advisor will open your account, review your
requirements, explain your investment options and
complete the paperwork for you over the phone.
 You will then receive a copy of your completed
application form for your records and a copy for
you to forward to forward to the Payroll
department by email: hrpayroll@ardene.com

Did You Know?

o You can have Retirement Savings Plans with more than one financial institution. Just keep track of how much
you've contributed to stay within your contribution limits set by the Canada Revenue Agency (CRA).
o You won't be taxed on your contributions and investment growth until you make withdrawals, presumably
during retirement. At that time, it will be taxed as income and most likely at a lower rate since you'll be earning
less compared to what you earn now.
o Your savings in a Retirement Savings Plan can help you purchase a home or continue your education. Find out
more on the CRA website: www.cra-arc.gc.ca