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We will write to you 20 days before your birthday with information about your investment and details of how to register for the online portal. Once registered online, you will be able to make a choice about your money. You can choose to continue investing with us by moving the investment into an adult ISA, you can withdraw all or part of your investment into a UK current or savings account in your own name, or you can transfer to another ISA provider.

Whichever option you choose we will need to take you through some additional checks to verify your name and address. We aim to take the required information from you online, however occasionally we will need to ask you to provide copies of documentation in the post to assist with this process.

If you are unsure about what identification documents, you need to provide, please refer to our frequently asked questions below. All documents provided online, or in the post, will be reviewed by our team. Please be aware that if you choose to withdraw from your investment, these checks will need to be complete before we release payment to your bank account and this may take up to a few weeks in some cases.

If you decide to keep your money invested, this will be moved from the matured CTF into an adult ISA within 24 hours following the receipt of your instruction. What account do I need to access my money? We can only take instructions from the account holder once you turn 18 and you'll need to confirm your identity when you tell us what you'd like to do with your money.

Please note it may take up to a few weeks in some cases from receipt of appropriate identification and withdrawal instruction for the payment to be made into your bank account. If you don't currently have a suitable account, you can set one up with most high street banks, building societies, credit unions or the post office.

For more information on our accounts please see the account options below which may help you decide which one is the best for your circumstances. Legal Disclaimer6 Interac e-Transfer transactions expire 30 days after they are sent and cannot be claimed by the recipient after this time.

You have 15 days after the Interac e-Transfer Transaction is sent to cancel without charge. The order must be placed within three years of the Account opening date. The first order is for 50 free personalized cheques with no special add-on cheque features and includes shipping and handling, afterwards fees apply. Legal Disclaimer8 With Virtual Visa Debit, you can make secure online purchases using the money in your bank account. Purchases from your account refers to using your RBC Client Card to pay for items at a merchant or service provider with the amount electronically debited directly from your enrolled account or using your RBC Virtual Visa Debit for purchases online.

Cash Back Credits are not earned on cash advances including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant , interest charges or fees, and credits for returns and adjustments will reduce or cancel the cash back credits earned by the amounts originally charged.

The Welcome Bonus will appear on your next monthly statement after it was earned, and will be credited as set out in disclosure 10 below. One offer per eligible account. This offer may not be combined or used in conjunction with any other offer except as otherwise set out.

Royal Bank of Canada reserves the right to modify, cancel or withdraw this offer at any time. This offer may be revoked at any time if we suspect you may be manipulating or abusing it, or engaging in any suspicious or fraudulent activity, as determined by Royal Bank of Canada in its sole discretion. Unlimited means there is no maximum cash back credits you can earn on Grocery Store Purchases and other Net Purchases up to your available credit limit per Annual Period.

Cash Back Credits are not earned on cash advances including balance transfers, cash-like transactions and certain bill payments that are not pre-authorized charges that you set up with a merchant , interest charges or fees, and credits for returns and adjustments will reduce or cancel the Cash Back Credits earned by the amounts originally charged. A new client is defined as an individual who has not been a primary or secondary account holder on any RBC Bank U.

Employees of Royal Bank of Canada do not qualify for this offer. For eligible clients, RBC Bank will waive the Direct Checking monthly or annual fee for 1 year from account open date. All other checking account fees apply. Offer is available for a limited time only and can be modified or withdrawn at any time. Legal Disclaimer13 There is no fee associated with accessing these ATMs but standard account charges and transaction limitations will apply.

To find a no-fee ATM near you visit www. Legal Disclaimer15 To be exempt from the annual fee for one year and to receive the 25, RBC Rewards points you must meet the eligibility requirements set out in disclosure 1 above and your application form must be received by October 31, and approved by us.

Additional cardholder s , as well as existing cardholders of any RBC personal credit card applying for or transferring to an RBC Avion Visa Infinite card are not eligible for this offer. Royal Bank of Canada reserves the right to cancel, modify or withdraw this offer at any time.

However, RBC Rewards points will be forfeited twelve 12 months after: i you voluntarily close your Account, or ii RBC closes your Account for any reason other than for cause. All applicable taxes, service fees and surcharges are the responsibility of the traveller. For more details, including guidelines on redeeming for business class seats, visit www.

Subject to applicable minimum investment amounts, depending on the type of GIC purchased and the type of registered account in which that GIC is held. Eligible RBC Debit Cards are debit cards tied to a personal banking or savings account or a business banking or savings account in good standing that is set up to pay for goods and services at a store or merchant that has point of sale or other designated debit card terminals that accept debit card payments.

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The protests resulted in minor damage of government property, a police response with tear gas and water cannon, several arrests and minor injuries to three policemen and two participants. In February , Slovakia elected a new four-party government coalition, which ran on a campaign of anti-corruption, good governance, and accountability. The transfer of power from the previous government was smooth and effective.

Slovakia is one of the most industrialized economies in the EU with almost 32 percent of the workforce employed in industry, 65 percent in services including construction , and the rest in agriculture. Long-term unemployment remains prevalent in poorer regions, especially in the marginalized Romani communities. However, businesses complain about the growing gap between their labor market needs and popular areas of study, with shortages in technical education at both the high school and higher education levels, and a lack of support for critical thinking and managerial skills.

Slovak PISA scores are persistently below average with skill shortages particularly prevalent in knowledge and technology-intensive sectors. The health and IT sectors are among those facing the most severe long-term labor shortages, but most regions also report shortages in workers for lower-skill construction and machinery operation jobs.

The minimum wage law indexes the minimum wage to overall wage growth in the economy. The minimum wage increased to EUR per month in Nominal wages grew by 7. The average nominal wage in remained almost identical to the previous year at 1, EUR per month. In , the average hourly labor cost was According to Eurostat, the gender pay gap stood at A lack of childcare facilities for children below three years of age combined with three years of paid maternity leave discourages mothers from returning to work and aggravates the gender pay gap.

According to the European Commission Country Report on Slovakia, formal childcare of children under 3 years remains among the lowest in the EU. In November , the Education Ministry has presented an education reform plan, which will include increasing funding for pre-school infrastructure. Businesses cite burdensome labor regulations, frequent and arbitrary changes to the labor code, and a lack of stakeholder input as some of the obstacles to doing business in Slovakia.

A number of labor related measures came into force in March , including an increase in the minimum wage; a requirement for employers to pay for any additional costs arising from telework and clarifying that employees do not have to read e-mails or accept phone calls outside of working hours; and simplifying employer options for providing meal vouchers to employees. The number of foreign nationals from non-EU countries in the Slovak labor market was steadily increasing, but, likely due to COVID, dropped from just over 28, in December to 24, in December According to statistics from the Slovak Labor Office, Ukrainian and Serbian nationals account for 80 percent of all non-EU foreign laborers.

There are roughly 69, foreign workers in Slovakia in total, including EU and non-EU nationals not requiring work permits. It does not, however, specifically prohibit discrimination based on HIV status. Activists frequently allege that employers refused to hire Roma, and an estimated 70 percent of Roma are unemployed.

Slovakia has a standard workweek of 40 hours and the law mandates a maximum workweek of 48 hours, including overtime, except for employees in the health-care sector, whose maximum work week is 56 hours. The Labor Code caps overtime at hours annually and sets minimum remuneration for overtime and work during public holidays or on weekends. There are no serious concerns regarding compliance with international labor standards.

The Labor Code differentiates between layoffs and firing. Social insurance contributions are compulsory and include healthcare, unemployment, and pension insurance. Collective bargaining is voluntary and takes place without interference from the state. No national-level collective bargaining exists in Slovakia. Provisions agreed in multiemployer as well as single-employer collective agreements are legally binding for the contracting parties.

EU Agency Eurofound reports up to 35 percent of employees in the national economy are covered by a collective agreement. At the sectoral or regional level, the coverage is about 10 percent. No official national data exist on collective bargaining coverage. The standard mechanism for dealing with collective labor disputes is conciliation, which is used in vast majority of cases, and arbitration.

Union membership has declined in recent years. Slovakia is a member of the International Labor Organization and has ratified all eight core conventions. Strikes are infrequent in Slovakia. In January , truck drivers organized a series of strikes, which affected production at two car making factories. As a high-income economy, Slovakia does not qualify for DFC support outside of energy infrastructure projects. Note: Final end-of-year data are usually published in Q2 of the next year.

Values from host country sources are converted from their original euro denomination with the conversion rate valid at the end of the respective year. Data on FDI is inconsistent since much of U. FDI is channeled through subsidiaries located inside the EU. Share sensitive information only on official, secure websites. Executive Summary 1. Bilateral Investment and Taxation Treaties 3. Legal Regime 4. Industrial Policies 5. Protection of Property Rights 6. Financial Sector 7.

State-Owned Enterprises 8. Responsible Business Conduct 9. Executive Summary Slovakia is a small, open, export-oriented economy, with a population of 5. Limits on Foreign Control and Right to Private Ownership and Establishment Foreign and domestic private entities have the right to establish and own business enterprises and engage in all forms of remunerative activity in Slovakia.

Bilateral Investment and Taxation Treaties Slovakia has signed 54 Bilateral Investment Treaties 53 remain in force and another 72 Treaties with Investment Provisions 57 remain in force both before and after accession to the EU. Please consult the following websites for more information: U.

Laws and Regulations on Foreign Direct Investment Slovakia is a politically and economically safe destination for foreign investment. Investor-State Dispute Settlement The basic framework for investment protection and dispute resolution between Slovakia and the United States is governed by the U. Performance and Data Localization Requirements There are no special requirements for foreign IT providers to turn over their source code or to provide access to encrypted documents.

Protection of Property Rights Real Property The mortgage market in Slovakia is growing rapidly, and a reliable system of record keeping exists. The exchange rate is free floating. Remittance Policies The basic framework for investment transfers between Slovakia and the United States is set within the U.

Please contact your local office for specific details. An ISO is a limit order for an NMS stock that is identified with an ISO designation when routed to an automated trading center and, simultaneously with the routing of that limit order, is accompanied by one or more additional limit orders also marked as ISOs that will execute against the protected quotations on those automated trading centers.

The ISO designation alerts the receiving automated trading center that the order sender itself is executing against any better priced protected quotations at other automated trading centers. A broker-dealer is obligated to send ISOs when the price of a transaction between the broker-dealer and a customer, or a transaction between two or more customers, is outside of the current NBBO for the NMS stock.

We offer our clients the ability to designate the manner in which their stop and stop limit orders are triggered. When a stop order is triggered, it will be treated as a market order and executed at the current market price. When a stop limit order is triggered, it will be treated as a limit order and handled in accordance with its terms. In either case, during fast-moving or volatile market conditions, it is possible for these orders, once triggered, to be executed at a price significantly away from the stop price, or not get executed at all.

FINRA Rule generally provides that a broker-dealer handling a customer order in an equity security is prohibited from trading that security on the same side of the market for its own account at a price that would satisfy the customer order, unless it immediately thereafter executes the customer order up to the size and at the same or better price at which it traded for its own account. The traditional prohibition against front running customer block transactions was recently expanded by FINRA to include non-equity securities, options, derivatives, and other financial instruments that overlay a security that is the subject of an imminent block transaction.

Rule prohibits a broker-dealer from executing a buy or sell order for a security or related financial instrument when the broker-dealer has material, non-public market information concerning an imminent block transaction in that security, a related financial instrument, or a security underlying the related financial instrument prior to the time information concerning the block transaction has been made publicly available, or has become stale or obsolete.

Rule provides certain exceptions to the general prohibition, one of which allows us to undertake principal transactions to fulfill or facilitate the execution of a customer block order. While we will endeavor to minimize the market impact of any principal activity related to a block order placed by you, please understand the underlying price of the security you are buying or selling may be affected by our principal trading.

Rule requires that self-clearing broker dealers deliver securities by settlement date, or if the participants have not delivered shares by settlement date, immediately purchase or borrow securities to close out the fail to deliver position by no later than the beginning of regular trading hours on the settlement day following the day the participant incurred the fail to deliver position. A participant that does not comply with this close-out requirement will not be able to short sell the security either for itself or for the account of any customer, unless it has previously arranged to borrow or borrowed the security, until the fail to deliver position is closed out.

Rule became effective in April and replaced the single stock circuit breakers. Under the LULD rule all trading centers must establish policies and procedures reasonably designed to prohibit the execution of trades in NMS stocks outside of the published price bands. During a trading pause, we will continue to accept orders and will send them to a market center for participation in the-re-opening process.

If you exceed these limits, your order may be refused. GTC orders are only eligible during regular market hours — not during after hour trading or pre-open trading sessions. Your GTC order will automatically expire on December 31 of the year in which the order was placed if it has not been canceled or executed prior to that time. Eastern Standard Time if specifically requested by the client.

Clients should consider the following risks before engaging in extended hours trading:. Generally, the more orders that are available in a market, the greater the liquidity. Liquidity is important because with greater liquidity it is easier for investors to buy or sell securities, and as a result, investors are more likely to pay or receive a competitive price for securities purchased or sold.

There may be lower liquidity in extended hours trading as compared to regular trading hours. As a result, your order may only be partially executed, or not at all. Generally, the higher the volatility of a security, the greater its price swings.

There may be greater volatility in extended hours trading than in regular trading hours. As a result, your order may only be partially executed, or not at all, or you may receive an inferior price when engaging in extended hours trading than you would during regular trading hours. As a result, you may receive an inferior price when engaging in extended hours trading than you would during regular trading hours.

Accordingly, you may receive an inferior price in one extended hours trading system than you would in another extended hours trading system. Similarly, important financial information is frequently announced outside of regular trading hours. In extended hours trading, these announcements may occur during trading, and if combined with lower liquidity and higher volatility, may cause an exaggerated and unsustainable effect on the price of a security.

Lower liquidity and higher volatility in extended hours trading may result in wider than normal spreads for a particular security. Since the underlying index value and IIV are not calculated or widely disseminated during the pre-market and post-market sessions an investor who is unable to calculate implied values for certain Derivative Securities Products in those sessions may be at a disadvantage to market professionals.

The rule was adopted by the SEC to enhance market transparency and foster greater competition among market participants. In addition to the quarterly statistics, information concerning the routing of individual customer orders, such as the venue and the time of the transaction, if any, is available to customers upon written request for the prior six months of trading activity. Benchmark may receive various forms of remuneration for directing order flow in listed and over-the-counter securities to certain market centers.

Such remuneration may be in the form of direct payments or in the form of rebates for providing orders to those market centers. Any remuneration is generally offset by fees paid by Benchmark to the market center for accessing orders or for other services provided by the market center, but, due to variations among the market centers, Benchmark may receive a net payment from a particular market center. Any net payments are retained by Benchmark and reduce our overall expenses in providing services to you.

Clearing and Settlement of your Transactions. Benchmark is furnishing this document to you to provide some basic facts about purchasing securities on margin, and to alert you to the risks involved with trading securities in a margin account. Before trading stocks in a margin account, you should carefully review the margin agreement provided to you. Consult your account representative regarding any questions or concerns you may have with your margin accounts. When you purchase securities, you may pay for the securities in full or you may borrow part of the purchase price from your brokerage firm.

If you choose to borrow funds from your firm, you will open a margin account with us. It is important that you fully understand the risks involved in trading securities on margin. These risks include the following:. A decline in the value of securities that are purchased on margin may require you to provide additional funds to the firm that has made the loan to avoid the forced sale of those securities or other securities or assets in your account s.

You also will be responsible for any short fall in the account after such a sale. Some investors mistakenly believe that a firm must contact them for a margin call to be valid, and that the firm cannot liquidate securities or other assets in their account to meet the call unless the firm has contacted them first. This is not the case. Most firms will attempt to notify their customers of margin calls, but they are not required to do so. However, even if a firm has contacted a customer and provided a specific date by which the customer can meet a margin call, the firm can still take necessary steps to protect its financials interests, include immediately selling the securities without notice to the customer.

Because the securities are collateral for the margin loan, the firm has the right to decide which securities to sell in order to protect its interests. These changes in firm policy often take effect immediately and may result in the issuance of a maintenance margin call. Your failure to satisfy the call may cause the member to liquidate or sell securities in your account s.

You are not entitled to an extension of time on a margin call. While an extension of time to meet margin requirements may be available to customers under certain conditions, a customer does not have a right to the extension. Tombstones are not an offer or solicitation to purchase securities which can only be done via prospectus. Full Electronic Communications Disclosure.

Email should not be used to transmit orders for securities or for any time-sensitive matters. Download Now. General Disclosures None of the information contained on this Web site constitutes a recommendation, solicitation or offer by Benchmark or its affiliates to buy or sell any securities, futures, options, or other financial instruments or provide any investment advice or service.

Customer Identification and Privacy Disclosure Benchmark collects nonpublic, and in some instances, personal information about our customers from account applications and other forms that are provided or submitted by you. Additional terms and conditions apply. Visit www. Legal Disclaimer 2 All commissions are charged in the currency in which the security trades.

Trade orders entered will be charged the applicable commission rate on a per order basis. Partially filled orders: Partial fills executed on more than one day will be charged applicable commissions for each day. Note: Commissions are in addition to fees charged by the local securities commission as applicable. Legal Disclaimer 4 For option assignments and exercises the investment services representative equity rates apply.

Legal Disclaimer 5 Switch orders are only permitted within the same family of funds and load types. Legal Disclaimer 6 Mutual fund companies may assess additional fees — for example, deferred sales charges on back-end load funds, early redemption fees, setup fees and fees for insufficient funds for pre-authorized purchases. Management fees and operating expenses are paid by the mutual fund. There may be trailing commissions associated with these mutual fund investments.

Legal Disclaimer 7 All commissions are charged in the currency in which the security trades. Commission for listed debentures is charged according to the Stocks Commission Schedule. For full details please refer to the complete Commissions and Fees Schedule at www. Additional maintenance fees will apply if a client opens more than 10 accounts. This fee will be assessed based on client information as of the end of each quarter March 31, June 30, September 30, December 31 and will be charged in April, July, October and January of every year.