Helping you achieve your business andpersonal goals

Your success in business creates exciting opportunities for you to grow both your

business and your personal wealth. I am pleased to offer the resources of RBC to

help you achieve your goals.

As your account manager, I will listen to your needs and work hard to

understand your company and your vision for the future. I am a knowledgeable

professional with experience managing the business and personal banking

needs of owners of successful businesses.

Access to the full range of financial services through RBC

Getting you quick and easy access to flexible financing, mortgages, financial

planning and investments as well as, coordinating the work of our specialist

teams on your behalf are some of the ways that I can help.

I will be your representative within RBC and I will work closely with you to

ensure that RBC's capabilities are fully aligned with your needs.

Providing sound solutions when you need them

Getting the most out of the opportunities you create as your business grows

depends in part on how well you structure the financial component in your

strategy. This is where I can provide you with sound, proven solutions such as:

> Everyday banking for both personal and business needs

> Lines of credit (applications and inquiries), loans, business credit cards

and mortgages for home and business

> Investment Solutions: GICs, registered and non-registered savings plans

Emad GhaliSenior Account Manager Business &PersonalRoyal Bank of Canada2157 Guy StreetMontreal, QC H3H 2L9Cel: 514-462-2184emad.ghali@rbc.com

LET ME INTRODUCE MYSELF

In my role as your company's account manager and with my background working

with small business owners, I will help you find the financial solutions you need

from any member company at RBC.

Since joining RBC in 2012, I have successfully helped many companies get the most

out of their banking relationship.

My professional experience is complemented with Post Graduatees In Business

Administration . I am committed to continuing to build upon my expertise so that I

can provide you with practical advice. I have also completed Canadaian Security

Course.

I look forward to working with you and providing you and your company with the

financial expertise and solutions that will ensure continued growth and success. I

am available in person, by phone, or by e-mail at a time which is convenient for

you.

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