Legal Disclaimers

® / ™ Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.

‡ All other trademarks are the property of their respective owners.

1 Standard account charges may apply. Maximum transaction limits may apply and are subject to change. Availability of the money will depend on the time when it is sent from Royal Bank of Canada or RBC Bank. Transaction may not appear on your RBC Bank (U.S.) account transaction history until the following day but will reflect the date of transfer.

2 Additional credit card transaction fees will apply as follows: Balance Transfers – Either $10 or 3% of the amount of each transfer, whichever is greater (after the end of the introductory period, the maximum fee is $99). The Balance Transfer fee has no maximum during the introductory period (first 6 monthly billing cycles); thereafter, this fee will be a maximum of $99 per Balance Transfer. Cash Advances – Either $5 or 3.5% of the amount of each Cash Advance, whichever is greater. Foreign Transaction Fee – 1.5% of the U.S. Dollar amount of foreign transaction regardless of whether the transaction is made in U.S. Dollars or in a foreign currency (Exception: Puerto Rico and U.S. Virgin Islands). Late Payment Fee- up to $35. Returned Payment Fee – up to $35.

3 Standard account fees and transaction limitations will apply.

4 Refer to the RBC Rewards Program Rules and Conditions provided with your card for details. Rewards points are not earned on balance transfers and cash advances.

5 Offer applies to new accounts only. Product transfers are not eligible. Bonus RBC Rewards point offers cannot be combined. All rewards are subject to availability. For complete terms, conditions and restrictions that apply to the RBC Rewards program, please visit: (opens new window) or call 1-888-257-6837.

6 When transferring points, points are converted at a 2 to 1 ratio from RBC Bank to Royal Bank of Canada - meaning for every 2 RBC Rewards points transferred from your RBC Bank account, you will receive 1 RBC Rewards point from Royal Bank of Canada. Once points are transferred, points will be guided by the Terms and Conditions of the RBC Rewards Program at Royal Bank of Canada. For complete terms, conditions and restrictions that apply to the RBC Rewards program, please visit: (opens new window) or call 1-888-257-6837.

7 Federal law requires that no more than six preauthorized or automatic transfers (including online and telephone transfers) to other accounts you have with us or to third parties may be made from the Money Market Account during any statement cycle. Excessive preauthorized transfers may result in fees being charged and/or a conversion of your account to a different account type.

8 Subject to the maximum extent permitted by law. Amount of coverage is based on the account balance and account ownership. For details visit (opens external website in new window).

9 Standard account charges may apply.

10 Mortgages are subject to approval, including verification of acceptable income, credit worthiness, and property valuations. Minimum and maximum property values and maximum loan-to-value ratios apply. Homeowner’s insurance is required for all loans and lines of credit and flood insurance is required if property is located in a Special flood Hazard area. Escrows may be required. There are closing costs associated with these products.