Dear ,

The one idea that emanates from every message we share, is that it's better to invest offshore. You can call it geodiversification but the fact remains - You have more investment choices and stronger asset protection, when you organize your finances to include a cross borders retirement plan.

The Regulator Asset Protection Structure (RAPS) is so simple, and yet so perfect for global personal finance. You need to see it to believe it. Allow us to enlighten you.

Aaron A Day

International employee compensation benefit funding solutions

We are dedicated to assisting the appropriate person who advises clients on U.S. mobile and international employee compensation benefit funding solutions. Our focus is the international choice because foreign employers and U.S. mobile and foreign employees can not contribute to a 401k plan from overseas. We would like to introduce our Trustee to you in the hopes that all or part of it may be suitable for your particular needs. We are compensated by the Trustee Administrator of the plan only. You can make your own assessment.

An IRC 402(b) Government Regulated, Registered and IRS Recognized plan provides a non-qualified deferred compensation funding and integrated tax solution. This specific 402(b) provides the tax deferred growth that increases the employees total net income and net worth while permitting the company to invest deferred compensation back into its core business, into its own stock or into registered investments worldwide without constraints. This plan provides a centralized, global tax compliant and IRS recognized retirement benefit plan. It is also an efficient method to equalize the employee benefit compensation packages of employees located in multiple jurisdictions.

This tax compliant cross-border funded retirement plan meets the needs of Human Resources, Payroll, Corporate Tax and Finance to increase global employees ability to afford retirement and at a cost the employer controls. Many are keenly aware that employee and employer would profit from a multi-jurisdictional and transferable tax integrated retirement benefit package suitable for U.S. mobile and foreign employees within and from beyond the borders of the USA. Monitoring risk and compliance costs among other issues prevent an employer sponsored plan from being implemented. We provide ''red carpet'' introductions to members of your own team who can overcome those barriers competently and conveniently.

This product requires no administrative, fiduciary, regulatory, disclosure nor compliance responsibility. For an employee it is flexible, accessible, transferable and whose law is internationally recognized as asset protected. The Government Regulated Trustee and Administration have provided continuous and sustainable service since 2002. You can reference their result with www.dlapiper.com worldwide.

This one structure delivers access to capital that is locked up, reduces taxable income, increases economic value and provides a turbo-charged retirement funding while remaining in transparent compliance with regulatory disclosure required in the USA, Canada, Mexico, European Economic Area and throughout Asia.

If you are interested to learn more, contact us and we'll schedule you for a free private consultation.

Investment Description

The RBC Miners Monthly Phoenix Notes are designed for investors seeking potential growth returns (up to 12.0% p.a.) compared to low deposit rates. The selected Stocks are mining companies, which are involved in the exploration, development and mining of precious and base metals globally. The Notes are a Phoenix Autocall structure which in flat or rising equity markets, if all stocks are above their Bonus Trigger (75% of Initials Levels), will return a Bonus amount of 1.0% each month. The max return over the term of the notes is 36.0% over 3 years. The Notes 'Autocall' or early redeem on the first Monthly Observation Date that all the Stocks are recorded as being at or above 100% of their Initial Levels. On early redemption the Notes return 100% of capital plus the relevant 1.0% Bonus Payment. Even if the Notes do not early redeem, they contain a valuable protection feature for the investor. The Notes will return 100% of capital invested as long as none of the Stocks at the Final Valuation Date have fallen by more than 50% from their Initial Valuation Levels. Capital is at risk if any Stock has fallen by more than50% at the Final Valuation Date. If there such a fall the Final Redemption Amount will be equivalent to the performance of the least performing stock and some or all capital will be lost.

NOTE: closing October 11, 2013

Issuer: Royal Bank of Canada, one of the highest rated financial institutions in the world (AA- rated)

Key Features

• 35 opportunities for market linked early redemption, every month.
• Potential for returns up to 12.0% p.a., in exchange for a defined level of risk - max return 36.0% over 3 years.
• Potential income of 1.0% monthly, paid as long as ALL Underlyings are at or above 75% of Initial Valuation Levels, observed on each monthly Observation Date, ƒ Defensive outlook - strong capital buffer, no loss of capital as long as no Underlying has fallen below 50% of its Initial Valuation Level (European Barrier)
• The Notes are available in USD, EUR and GBP

Underlyings:('Stocks')

• BHP BILLITON PLC (BLT LN Equity),
• ALPHA NATURAL RESOURCES INC (ANR UN Equity),
• RIO TINTO PLC (RIO LN Equity),
• ANGLO AMERICAN PLC (AAL LN Equity),

Key Dates

• Initial Valuation Date: 4 October 2013
• Issue Date: 11 October 2013
• Final Valuation Date: 4 October 2016
• Maturity Date: 11 October 2016

ISIN Codes

• GBP: XS0949988678
• USD: XS0949988918
• EUR: XS0949987274

The Notes are available in USD, EUR and GBP

For Professional Investors Only

Risk Disclaimer: Please bear in mind that investors are exposed to the credit risk of the Issuer. The Notes are not capital protected and investors may receive back less than the original amount invested. The value of the investment can go down as well as up and investors can potentially lose all of their investment. Any secondary market provided by Royal Bank of Canada is subject to change and may be stopped without notice and investors may therefore be unable to sell or redeem the Notes until their maturity. If the Notes are redeemed early they may be redeemed at a level less than the amount originally invested.

Royal Bank of Canada - Miners Note brochure, available upon request.

The Ballybunion Quantum Managed FX Fund is a specialised multi- manager investment product that brings together the strength and expertise of different investment managers all under one fund.

By selecting different managers with proven styles and strengths, the fund provides you with a broad portfolio of FX investments, superior diversification, enhanced risk management and access to some of the best managers in the industry.

What's more, the multi-manager strategy offers all the benefits of a managed fund plus attractive potential returns, affordability and the convenience of being able to blend different investment strategies and trading styles in a single vehicle.

The Ballybunion Quantum Managed FX Fund aims to deliver attractive returns over the medium to long term by trading mainly G10 currency pairs, although other currencies may be traded by the managers where they believe that these will enhance returns to the Fund.

In accordance with UCITS rules, the fund conforms to a maximum value at risk (VAR) of 20% (1 month, 99% confidence).

• A multi-manager approach will be used to provide a blend of trading styles and techniques which will provide diversification and enhanced risk management.
• Most traded and most liquid of asset classes.
• Low correlation to other asset classes, especially in times of high market turbulence.
• Maximum drawdown not expected to exceed 20%.
• Low volatility compared to other asset classes.
• Daily liquidity will be provided.

Fund Managers

Comprising different managers, each with distinct risk-return profiles, the Ballybunion Quantum Managed FX Fund caters to a comprehensive range of investor styles and requirements. Selected for their high level of expertise in currency trading, each manager of the fund has an in-depth understanding of what drives performance and brings expert opinion to the fund selection process.

For more information, or an introductions to the traders, contact us.

$2.3M USD for Beachfront Hotel in Buzios

Location: Buzios - Rio de Janeiro - Brazil

The hotel is on the seafront in one of the most magical places in Buzios, Enseada do Gancho. With one of the most beautiful Peninsula sunset, has all its 18 apartments with wonderful views. The hotel also has a games room, a bar with exit to the beach and a delicious happy hour for you to enjoy your late afternoon. Swimming pool, air conditioning, parking, wi-fi and personalized service are our characteristics.

Request more information about Brazil properties.

Founded by internationally renowned investor and best-selling author Peter Schiff, Euro Pacific Bank offers clients an unparalleled offshore banking experience. Superior customer service and innovative non-lending, hard-money approach differentiates EPB in the offshore banking world.

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