Business

RBC Royal Bank^® Visa* CreditLine for Small Business™

Choose the total solution that provides easy access to business capital and great rewards

Seize business opportunities large and small, or simply make everyday business purchases, with the RBC Royal Bank Visa CreditLine for Small Business card. It's your business, you decide. Apply now for this total solution that provides easy access to the funds you need, on your terms.

	FAQs

				You may apply for this product starting March 3, 2009. Applications are temporarily suspended so the product can be redesigned. If you have an immediate credit need, please call 1-800-769-2520 to speak with a business advisor.

• Access your line of credit through the convenience of a credit card at any Visa accepting location
• Draw funds 24 hours a day, seven days a week through any of the Visa accepting banking machines worldwide.
• Flexible repayment options
• Get full ATM access to make payments and receive account updates
• Automatic, no annual fee renewals⁶

Features and Benefits

• Take advantage of the exceptional savings and special offers with the Visa Savings for Business* program offered by Visa Canada, for the things you need to get ahead in business.
• No fee Visa cheques
• Valuable rewards such as travel, merchandise and more through the RBC Rewards^® program
• Exchange RBC Rewards points for Esso Extra^{^} points
• Earn RBC Rewards points faster with travel bookings through Carlson Wagonlit Travel^††.
• Earn additional RBC Rewards points with the Rewards Network Restaurant Program
• Flexible repayment options
• Purchase Security and Extended Warranty Insurance³ for business purchases
• Descriptive monthly billing statement

Optional Features:

				Effective Oct. 31, 2008, if you are a current RBC Royal Bank Visa CreditLine for Small Business cardholder you will not have the option to enrol in the optional insurance choices listed below.

• Optional Insurance Benefits package^†
  At a cost of only $0.98 per $1,000 (plus provincial sales tax if applicable) of monthly average outstanding debt balance for single coverage, the Life & Disability Insurance⁵ option helps secure you and your business against unexpected circumstances and the financial concerns they can cause.
• Optional Travel Benefits package^†
  At a cost of only $9 per month (plus provincial sales tax if applicable) for single coverage, receive the following:
  • Out of Province/Country Emergency Medical Insurance²
  • Up to $500,000 Travel Accident Insurance⁴
  • Auto Rental Collision/Loss Damage Insurance¹
  • Trip Cancellation/Trip Interruption Insurance²
  • Emergency Purchases Insurance³
• Optional Combined Travel PLUS Insurance Benefits package^†
  At a cost of only $7 per month plus $0.98 per $1,000 (plus provincial sales tax if applicable) of monthly average outstanding debt balance for single coverage, receive all the benefits of the Optional Travel Benefits package PLUS all the benefits of the Optional Insurance Benefits package.

Call us today at 1-800 ROYAL® 2-0 (1-800-769-2520)

^†† Additional RBC Rewards points awarded are in addition to the standard RBC Rewards points earned when you use your RBC Royal Bank Visa card^‡ to pay for purchases. Additional points for airline tickets are awarded to a maximum of 500 points. Exclusive of cash advances, interest rates, fees or credits. For more details, visit www.rbcrewards.com/earn.

^‡ Visa card must earn RBC Rewards points.

¹  Coverage underwritten by RBC General Insurance Company
²  Coverage underwritten by RBC Insurance Company of Canada
³  RBC General Insurance Company in the Province of Quebec and by RBC Insurance Company of Canada in the rest of Canada
⁴  Coverage underwritten by Desjardins Financial Security Life Assurance Company
⁵  Coverage underwritten by The Canada Life Assurance Company
⁶  Provided your account is in good standing

  All insurance is subject to limitations and exclusions. Please refer to the certificates of insurance for complete details.

^† This package is available for a nominal cost to cardholders under 65 years of age.

^® Registered trademarks of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.

™ Trademark of Royal Bank of Canada.

^*  Registered trade-mark of Visa International Service Association. Used under license.

^{^} Registered trademark of Imperial Oil Limited. Used under licence.