The RBC Avion Visa Business

1

To be exempt from the annual fee for the first year (“Annual fee Waiver”) and to receive 35,000 welcome Avion points (“Welcome Points”), your application for the RBC Avion Visa Business credit card must be received by Jun 4, 2024, and approved by us. The Welcome Points will appear on your monthly credit card statement within 60 days after your application has been approved, provided that your RBC Avion Visa Business credit card account (“Credit Card Account”) remains open and in good standing at the time the Welcome Points are awarded to your account, “good standing” meaning that your Credit Card Account must not be past due for more than two (2) consecutive credit card account statement periods, closed, charged off or in credit revoked status. Only the primary business owner on the Credit Card Account is eligible for the Annual Fee Waiver and the Welcome Points; any additional business owner(s) and cardholder(s), existing RBC Avion Visa Business cardholders as of the offer eligibility period, as well as existing RBC Avion Visa Infinite Business cardholders transferring to the RBC Avion Visa Business credit card as of the offer eligibility period, are not eligible for this offer. This offer may not be combined or used in conjunction with any other offer. Royal Bank of Canada reserves the right to cancel, modify or withdraw this offer at any time, including if we suspect that 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. If you change your actual RBC Avion Visa Business card for another type of business credit card before the Welcome Points are awarded to your Credit Card Account, you may lose the benefit of this offer.

2

Air Travel Reward redemptions from the Air Travel Redemption Schedule are 15,000 points for a round trip short-haul flight in economy class with a maximum ticket price of $350. All applicable taxes, service fees and surcharges are the responsibility of the traveler. For more details, including guidelines on redeeming for business class seats, visit www.rbcroyalbank.com/cards/rbcrewards/avion_booking . For general redemption terms, conditions and restrictions that apply to the Avion Rewards program, please visit: www.rbcrewards.com  or call 1-800 ROYAL® 1-2 (1-800-769-2512).

3

Avion points are earned on net purchases only; they are not earned on cash advances (including balance transfers, cash-like transactions and certain bill payments), interest charges or fees, and credits for returns and adjustments will reduce or cancel the points earned by the amounts originally charged.

4

All rewards are subject to availability. If a merchandise item is unavailable exactly as shown, a substitute of equal or greater value will be sent to you. For complete terms, conditions and restrictions that apply to the Avion Rewards program, please visit: www.rbcrewards.com or call 1-800 ROYAL® 1-2 (1-800-769-2512).

5

This feature is only available to Business Owners. Supplementary cardholders who also have a personal RBC Avion Visa Platinum card or RBC Avion Visa Infinite card are not eligible to combine points. If there are multiple Business Owners I) combining Avion points between business and personal RBC Avion Visa Platinum card or RBC Avion Visa Infinite cards is only available to one Business Owner, II) Avion points from all RBC Avion Visa Business cards can only be combined into the account of one Business Owner, and III) only that Business Owner will also be able to combine Avion Rewards between his/her business and personal RBC Avion Visa Platinum or RBC Avion Visa Infinite cards.

6

Subject to credit approval. If you are a Primary Business Cardholder on a RBC Avion Visa Business account (“Business Avion”) and you also are the primary cardholder on a personal RBC Avion Visa Platinum or RBC Avion Visa Infinite account (“Personal Avion”), the annual fee of either your Business Avion or Personal Avion card, at your choice, will be rebated from $120 to $50, every year, as long as you remain a Primary Business Cardholder on the Business Avion account and a primary cardholder on the Personal Avion account and both cards are in good standing. If you have more than one Personal Avion or Business Avion cards, the annual fee of that additional card will continue to be $50. No rebate will be applied retroactively, which means that depending on which card you want the rebate to be applied to, you may have to wait to your next annual renewal to benefit from the rebate. Royal Bank of Canada reserves the right to withdraw this offer at any time.

7

To participate in this offer as a RBC business client, you must have an RBC client card or credit card issued by Royal Bank of Canada (excluding RBC Commercial Avion, RBC Commercial U.S. Dollar Visa, RBC Commercial Cash Back Visa, and RBC Commercial Visa) (« Eligible RBC Card »). When you participate in the Linked Loyalty Program as a RBC business client, you will only be able to link up to two (2) eligible business RBC credit cards and one RBC client card to a Petro-Points account. You must be enrolled in RBC Online Banking for Business in order to link. Card linking may take up to 2 business days to process before savings and bonus points can be applied to purchases. For more information, visit rbc.com/linkbusiness.

8

Each time you use your linked Eligible RBC Card to purchase any grade of gasoline, including diesel, at a retail Petro-Canada location, you will save three cents ($0.03) per litre at the time of the transaction.

9

Each time you use your linked Eligible RBC Card to pay for qualifying purchases at a retail Petro-Canada location, you will earn a bonus of twenty percent (20%) more Petro-Points than you normally earn, in accordance with the Petro-Points Terms and Conditions.

10

Each time you use your linked Eligible RBC Card that earns Avion points to pay for purchases at a retail Petro-Canada location, you will earn a bonus of twenty percent (20%) more Avion points than you normally earn for every $1 in purchases in accordance with the Avion Rewards Terms and Conditions. Please allow up to ninety (90) days from the date the transaction is posted on your credit card statement for the bonus points to be deposited into your Avion Rewards account.

11

Coverage underwritten by Aviva General Insurance Company.

12

Coverage underwritten by RBC Insurance Company of Canada.

13

Trip Cancellation insurance is subject to a limit of $1,500 for each Covered Person (to an overall maximum of $5,000 for all Covered Persons) per trip, and it protects eligible cardholders against the cost of non-refundable travel arrangements that were purchased with your RBC Avion Visa Business card if the trip is cancelled prior to your departure due to an unexpected or unforeseen covered risk. Trip Interruption insurance is subject to a maximum limit of $5,000 for each Covered Person, per trip, for a total maximum of $25,000. This coverage provides reimbursement for the non-refundable unused portion of your prepaid travel arrangements purchased with your RBC Avion Visa Business card, and interrupted due to a covered risk, including the extra costs of economy class transportation to your departure point. Please refer to the Insurance Certificate for complete details regarding these coverages.

14

The discount rate of up to 30% on the base rate only (time and mileage charges) (“Discount”) is available at participating Hertz corporate locations in Canada and the U.S and excludes taxes, tax reimbursements, fees, surcharges and optional service charges, such as refueling. A CDP ID # will be generated upon enrollment, please use this CDP ID # for future bookings to take advantage of the Discount. In order for all your colleagues and employees within your organization to receive the Discount, they must use the CDP ID # when making a booking with Hertz. Hertz, not Royal Bank of Canada, is responsible for the sales and returns terms and conditions applicable to your Discount. For complete terms and conditions please visit: hertz.ca (opens to external site). Royal Bank of Canada reserves the right to cancel, modify or withdraw this offer at any time, even after you have activated it. For more details on the RBC Offers program, please visit rbc.com/offers (opens new window).

15

This offer is not transferable to people outside your organization, but you may share it with your colleagues and employees within your organization. To earn 2X the Avion points you normally earn (“Bonus Points”) for every one dollar ($1.00) in purchases, including taxes, you make at any corporately owned Hertz location in Canada, U.S., UK, Germany, Italy, Switzerland, Netherlands, Belgium, Spain, and Luxembourg, beginning February 7^th, 2020 to February 7^th, 2023 (“Offer Period”), click the “Load Offer” button in RBC Offers and pay using your RBC Avion Visa Business card (“Eligible RBC Business Rewards Card”) (“Qualifying Purchase”). Franchised Hertz locations are not eligible for this offer. If your Eligible RBC Business Rewards card changes, you must load this offer again. If you cancel your credit card, you will not be eligible for the Discount (defined above) or Bonus Points. Please allow up to 30 days from the date of your Qualifying Purchase, provided your credit card account was in good standing at that time, for the Bonus Points to appear on the account statement tied to your Eligible Avion Rewards Card. Cancellations or price adjustments may cancel or reduce the Avion points earned on your Qualifying Purchase, including Bonus Points. Offer may not be combined with any other offer, promotion, certificate, voucher or other discount. Hertz, not Royal Bank of Canada, is responsible for the sales and returns terms and conditions applicable to your Qualifying Purchase(s). For complete terms and conditions please visit hertz.ca/RBCBusiness (opens to external site). Royal Bank of Canada reserves the right to cancel, modify or withdraw this offer at any time, even after you have activated it. For more details on the RBC Offers program, please visit rbc.com/offers (opens new window).

16

To receive a complimentary DashPass subscription for $0 delivery fees on orders of $12 or more at eligible restaurants when you pay with your Eligible RBC Credit Card, you must subscribe to DashPass by adding an Eligible RBC Credit Card, accept the DoorDash terms and conditions, and activate your benefit by clicking “Activate Free DashPass” before June 7, 2024 (“Offer Period”). If you are an existing DashPass subscriber and have already added an Eligible RBC Credit Card to your account you must activate your benefit by clicking “Activate Free DashPass” during the Offer Period. If you have been charged for DashPass you will receive a refund to the method of original payment, in the amount of the monthly subscription fee for the month you activate your complimentary subscription. For all clients, by clicking on “Activate Free DashPass” you agree to the DoorDash terms and conditions which can be found at https://help.doordash.com/consumers/s/terms-and-conditions .

Eligible RBC Credit cardholders include primary cardholders, co-applicants, authorized users, primary business cardholders and secondary business cardholders on an Eligible RBC Credit Card account.

The DashPass monthly subscription fee will be waived (“Complimentary DashPass Subscription”) and you will receive either a 3 month or 12 month Complimentary DashPass Subscription based on the Eligible RBC Credit Card you use to subscribe to DashPass.

DashPass subscriptions purchased through third parties, including third-party payment accounts, or online or mobile digital wallets (like Apply Pay and Google Pay) are not eligible for the Complimentary DashPass Subscription.

Eligible RBC Credit Cards: Your Eligible RBC Credit Card may only be used with one DoorDash account to receive a Complimentary DashPass Subscription. Once you have received a Complimentary DashPass Subscription you cannot use the same eligible RBC Credit Card to obtain a Complimentary DashPass Subscription with another DoorDash account.

You are only eligible for one 12 month Complimentary DashPass Subscription and one 3 month Complimentary DashPass Subscription during the Offer Period. The Complimentary DashPass Subscription commences on the date you subscribe to receive the Complimentary DashPass Subscription. For example, if you subscribe to a 12 month Complimentary DashPass Subscription in on the last day of your second month of a 3 month Complimentary DashPass Subscription you will receive a total of 14 months of Complimentary DashPass Subscription. In order to validate your credit card as an Eligible RBC Credit Card, Royal Bank may need to administer a $0.50 charge to validate your card enrollment. This charge will be reversed in 3 to 5 days once your account has been validated.

12 Month Complimentary DashPass Subscription is available for the following Eligible RBC Credit Cards:

As an RBC Avion Visa, RBC Avion Visa Infinite , RBC Avion Visa Infinite Privilege, RBC Avion Visa Infinite Privilege for Private Banking, WestJet RBC World Elite Mastercard, Avion Rewards Visa Preferred, RBC Cash Back Preferred World Elite Mastercard, RBC Cathay Pacific Visa Platinum, RBC British Airways Visa Infinite, RBC Avion Visa Business, RBC Avion Visa Infinite Business cardholder.

You are eligible for a Complimentary DashPass Subscription for 12 months from the date you subscribe to receive the Complimentary DashPass Subscription. You will be auto-enrolled into full-price membership at the then-current rate after the end of the 12 month Complimentary DashPass Subscription. Your RBC credit card account must be open and not in default to maintain the benefits of DashPass.

3 Month Complimentary DashPass Subscription is available for the following Eligible RBC Credit Cards:

As an Avion Rewards+ Visa, Signature Avion Rewards Visa, RBC Visa Platinum, RBC Visa Cash Back, RBC Cash Back Mastercard, RBC Visa Classic Low Rate Option, RBC Visa Classic, RBC Student Visa Classic, RBC Visa Classic II Student, RBC Visa Gold, RBC U.S. Dollar Visa Gold, Avion Rewards Visa Gold, RBC RateAdvantage Visa, WestJet RBC Mastercard, RBC Visa Business, RBC Visa Business Gold, RBC Visa CreditLine for Small Business, or RBC Business Cash Back Mastercard.

You are eligible for a Complimentary DashPass Subscription for 3 months from the date you subscribed to the Complimentary DashPass Subscription. You will be auto-enrolled into full-price membership at the then-current rate after the end of the 3 month Complimentary DashPass Subscription. Your RBC credit card account must be open and not in default to maintain the benefits of DashPass.

DoorDash not Royal Bank of Canada, is responsible for (i) services and products provided through DoorDash; (ii) DashPass, including the DashPass Benefits, the administration of DashPass and (iii) the DoorDash terms and conditions. The Complimentary DashPass Subscription offer may be amended or withdrawn at any time. To learn more about DashPass, visit www.doordash.com/dashpass. For full DashPass for RBC Program Terms and Conditions, visit rbcroyalbank.com/credit-cards/documentation/pdf/full-doordash-tcs-en.pdf.

17

DashPass is a DoorDash subscription service that offers unlimited deliveries for $0 delivery fee on eligible restaurant purchases (minimum order amount of $15.00 CAD before taxes and fees) at a monthly