• Non-Redeemable GIC
• Redeemable GIC
• Building Block GIC
• Five-in-One GIC
• One-Year Cashable GIC
• Cashable RateAdvantage GIC
• RateAdvantage GIC (non-redeemable)
• U.S. Dollar Term Deposits
• Prime-Linked Cashable GIC
• Registered Investments

Rates for 10 February 2012

Non-Redeemable GIC

Interest Paid at Maturity

Term to Maturity	For Investments of
	$5,000 to $99,999.99	$100,000 to $249,999.99	$250,000 to $999,999.99	$1,000,000 to $4,999,999.99+
	[%]	[%]	[%]	[%]
1 to 29 days	n/a(1)	0.300	0.300	0.300
30 to 59 days	0.500	0.700	0.700	0.700
60 to 89 days	0.600	0.850	0.850	0.850
90 to 179 days	0.750	1.000	1.000	1.000
180 to 269 days	0.800	1.050	1.050	1.050
270 to 364 days	0.800	1.050	1.050	1.050

Interest Paid Semi-Annually, Annually
or Compounded Annually and Paid at Maturity

Term to Maturity	For Investments of
	$1,000 to $99,999.99	$100,000 to $249,999.99	$250,000 to $999,999.99	$1,000,000 to $4,999,999.99+
	[%]	[%]	[%]	[%]
1 to 1.5 years less a day	1.150	1.150	1.150	1.150
1.5 to 2 years less a day	1.600	1.600	1.600	1.600
2 to 2.5 years less a day	1.300	1.300	1.300	1.300
2.5 to 3 years less a day	1.300	1.300	1.300	1.300
3 to 3.5 years less a day	1.400	1.400	1.400	1.400
3.5 to 4 years less a day	1.400	1.400	1.400	1.400
4 to 4.5 years less a day	1.600	1.600	1.600	1.600
4.5 to 5 years less a day	1.600	1.600	1.600	1.600
5 years	2.100	2.100	2.100	2.100
7 years	2.300	2.300	2.300	2.300
10 years	2.500	2.500	2.500	2.500

Interest Paid Monthly

Term to Maturity	For Investments of
	$5,000 to $99,999.99	$100,000 to $249,999.99	$250,000 to $999,999.99	$1,000,000 to $4,999,999.99+
	[%]	[%]	[%]	[%]
1 to 1.5 years less a day	1.025	1.025	1.025	1.025
1.5 to 2 years less a day	1.475	1.475	1.475	1.475
2 to 2.5 years less a day	1.175	1.175	1.175	1.175
2.5 to 3 years less a day	1.175	1.175	1.175	1.175
3 to 3.5 years less a day	1.275	1.275	1.275	1.275
3.5 to 4 years less a day	1.275	1.275	1.275	1.275
4 to 4.5 years less a day	1.475	1.475	1.475	1.475
4.5 to 5 years less a day	1.475	1.475	1.475	1.475
5 years	1.975	1.975	1.975	1.975
7 years	2.175	2.175	2.175	2.175
10 years	2.375	2.375	2.375	2.375

Rates for 10 February 2012

Redeemable GIC

Interest Paid at Maturity

Term to Maturity	For Investments of
	$5,000 to $99,999.99	$100,000 to $249,999.99	$250,000 to $999,999.99	$1,000,000 to $4,999,999.99+
	[%]	[%]	[%]	[%]
1 to 29 days	n/a(1)	0.050	0.050	0.050
30 to 59 days	0.250	0.450	0.450	0.450
60 to 89 days	0.350	0.600	0.600	0.600
90 to 179 days	0.500	0.750	0.750	0.750
180 to 269 days	0.550	0.800	0.800	0.800
270 to 364 days	0.550	0.800	0.800	0.800

Interest Paid Semi-Annually or Annually

Term to Maturity	For Investments of
	$1,000 to $99,999.99	$100,000 to $249,999.99	$250,000 to $999,999.99	$1,000,000 to $4,999,999.99+
	[%]	[%]	[%]	[%]
1 to 1.5 years less a day	0.900	0.900	0.900	0.900
1.5 to 2 years less a day	1.350	1.350	1.350	1.350
2 to 2.5 years less a day	1.050	1.050	1.050	1.050
2.5 to 3 years less a day	1.050	1.050	1.050	1.050
3 to 3.5 years less a day	1.150	1.150	1.150	1.150
3.5 to 4 years less a day	1.150	1.150	1.150	1.150
4 to 4.5 years less a day	1.350	1.350	1.350	1.350
4.5 to 5 years less a day	1.350	1.350	1.350	1.350
5 years	1.850	1.850	1.850	1.850
7 years	2.050	2.050	2.050	2.050
10 years	2.250	2.250	2.250	2.250

Interest Paid Monthly

Term to Maturity	For Investments of
	$5,000 to $99,999.99	$100,000 to $249,999.99	$250,000 to $999,999.99	$1,000,000 to $4,999,999.99+
	[%]	[%]	[%]	[%]
1 to 1.5 years less a day	0.775	0.775	0.775	0.775
1.5 to 2 years less a day	1.225	1.225	1.225	1.225
2 to 2.5 years less a day	0.925	0.925	0.925	0.925
2.5 to 3 years less a day	0.925	0.925	0.925	0.925
3 to 3.5 years less a day	1.025	1.025	1.025	1.025
3.5 to 4 years less a day	1.025	1.025	1.025	1.025
4 to 4.5 years less a day	1.225	1.225	1.225	1.225
4.5 to 5 years less a day	1.225	1.225	1.225	1.225
5 years	1.725	1.725	1.725	1.725
7 years	1.925	1.925	1.925	1.925
10 years	2.125	2.125	2.125	2.125

Prior Redemption Rates

Elapsed Term	Redemption Rate [%]
1 to 29 days	0.000
30 to 59 days	0.050
60 to 179 days	0.050
180 to 364 days	0.050
1 to 2 years less a day	0.500
2 to 3 years less a day	0.850
3 to 4 years less a day	0.950
4 to 5 years less a day	1.100
5 years and greater	1.500

NOTES
Interest rates are subject to change without notice at any time.
Rates shown are calculated on a per annum basis.
To purchase these GICs, visit invest online, call 1-800-769-2599 or visit an RBC Royal Bank branch. You can find the location and phone number of the nearest RBC Royal Bank branch by using our Branch Locator. Please call and arrange to have one of our investment specialists meet with you at your convenience.
⁺ For an interest rate quotation for deposits of $5 million and over, please contact a Royal Bank branch or call 1-800-769-2599.
1) Rate information does not apply to this range of terms (not applicable).

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Rates for 10 February 2012

Building Block GIC^®

Interest Paid at Maturity

Term to Maturity	Minimum Initial Investment of $1,000
	[%]
1 year	1.150

Prior Redemption Rates

Elapsed Term	Redemption Rate [%]
1 to 182 days	0.000
183 days to 364 days	0.550

NOTES
Interest rates are subject to change without notice at any time.
Rates shown are calculated on a per annum basis.
To purchase these GICs, call 1-800-769-2599 or visit an RBC Royal Bank branch. You can find the location and phone number of the nearest RBC Royal Bank branch by using our Branch Locator. Please call and arrange to have one of our investment specialists meet with you at your convenience.
If PAP is returned due to insufficient funds in the account, the GIC will be collapsed and proceeds credited to the client’s account.

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Rates for 10 February 2012

Five-in-One GIC^®

Interest Paid Semi-Annually¹, Annually or Compounded Annually and Paid at Maturity

Term to Maturity	For Investments of
	$5,000 to $99,999.99	$100,000 to $249,999.99	$250,000 to $999,999.99	$1,000,000 and over(2)
	[%]	[%]	[%]	[%]
5 years	2.250	2.250	2.250	2.250

Interest Paid Monthly¹

Term to Maturity	For Investments of
	$5,000 to $99,999.99	$100,000 to $249,999.99	$250,000 to $999,999.99	$1,000,000 and over(2)
	[%]	[%]	[%]	[%]
5 years	2.125	2.125	2.125	2.125

NOTES
Interest rates are subject to change without notice at any time.
Rates shown are calculated on a per annum basis.
To purchase these GICs, visit invest online, call 1-800-769-2599 or visit an RBC Royal Bank branch. You can find the location and phone number of the nearest RBC Royal Bank branch by using our Branch Locator. Please call and arrange to have one of our investment specialists meet with you at your convenience.
1) Monthly and semi-annual interest payment options are not currently available through Online Banking.
2) For an interest rate quotation for deposits of $5 million and over, please contact a Royal Bank branch or call 1-800-769-2599.

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Rates for 10 February 2012

One-Year Cashable GIC^TM

Interest Paid Semi-Annually or at Maturity

Term to Maturity	For Investments of
	$1,000 to $99,999.99	$100,000 to $249,999.99
	[%]	[%]
1 year	1.000	1.000

Interest Paid Monthly

Term to Maturity	For Investments of
	$5,000 to $99,999.99	$100,000 to $249,999.99
	[%]	[%]
1 year	0.875	0.875

Prior Redemption Rates

Elapsed Term	Redemption Rate [%]
1 to 29 days	0.000

NOTES
Interest rates are subject to change without notice at any time.
Rates shown are calculated on a per annum basis.
To purchase these GICs, visit invest online, call 1-800-769-2599 or visit an RBC Royal Bank branch. You can find the location and phone number of the nearest RBC Royal Bank branch by using our Branch Locator. Please call and arrange to have one of our investment specialists meet with you at your convenience.

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Rates for 10 February 2012

RateAdvantage GIC^®

Cashable RateAdvantage GIC

Fully or partially cashable at each anniversary date, with no penalty

Interest Paid Annually at each Anniversary

Term to Maturity	Minimum Investment of $1,000
	Year 1	Year 2	Year 3	Year 4	Year 5
	[%]	[%]	[%]	[%]	[%]
2 Years	1.200	1.700	-	-	-
3 Years	1.200	1.700	3.000	-	-
5 Years	0.900	1.050	1.550	2.200	4.000

RateAdvantage GIC (non-redeemable)

Not redeemable prior to maturity

Interest Paid Annually at each Anniversary or
Compounded Annually and Paid at Maturity

Term to Maturity	Minimum Investment of $1,000
	Year 1	Year 2	Year 3	Year 4	Year 5
	[%]	[%]	[%]	[%]	[%]
2 Years	1.000	1.850	-	-	-
3 Years	1.000	1.250	3.000	-	-
5 Years	1.000	1.150	2.000	2.500	5.000

NOTES
Interest rates are subject to change without notice at any time.
Rates shown are calculated on a per annum basis.
For Canadian residents, interest is reported for tax purposes using the yield to maturity rate rather than the actual interest paid each year in accordance with Regulation 7000 of the Income Act (Canada) (in Quebec, Regulation 92.5R of the Taxation Act (Quebec)).
To purchase these GICs, visit invest online, call 1-800-769-2599 or visit an RBC Royal Bank branch. You can find the location and phone number of the nearest RBC Royal Bank branch by using our Branch Locator. Please call and arrange to have one of our investment specialists meet with you at your convenience.

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Rates for 10 February 2012

U.S. $ Term Deposit Rates

Investment Rates

Term to Maturity	For Investments of
	$5,000 to $24,999.99	$25,000 to $99,999.99	$100,000 to $249,999.99	$250,000 to $999,999.99
	[%]	[%]	[%]	[%]
Overnight	n/a(1)	n/a(1)	0.0000	0.0000
2 to 7 days	n/a(1)	n/a(1)	0.0000	0.0000
8 to 13 days	n/a(1)	n/a(1)	0.0000	0.0000
14 to 20 days	n/a(1)	n/a(1)	0.0200	0.0200
21 to 29 days	n/a(1)	n/a(1)	0.0200	0.0200
30 to 59 days	0.0500	0.0500	0.0500	0.0500
60 to 89 days	0.1500	0.1500	0.1500	0.1500
90 to 119 days	0.2000	0.2000	0.2500	0.2500
120 to 149 days	0.2500	0.2500	0.3000	0.3000
150 to 179 days	0.2500	0.2500	0.3000	0.3000
180 to 269 days	0.3000	0.3500	0.3500	0.3500
270 to 364 days	0.3500	0.4500	0.4500	0.4500
1 to 2 years less a day	0.3500	0.3500	0.3500	0.3500
2 to 3 years less a day	0.5000	0.5000	0.5000	0.5000
3 to 4 years less a day	0.5500	0.5500	0.5500	0.5500
4 to 5 years less a day	0.8000	0.8000	0.8000	0.8000
5 years and over	1.1000	1.1000	1.1000	1.1000

NOTES
Interest rates are subject to change without notice at any time.
U.S. term deposits are not redeemable prior to maturity.
Rates shown are calculated on a per annum, 365 or 366 (366 only if a leap year) day basis.
For terms less than 1 year, interest is paid at maturity. For terms of one year or longer, interest is paid annually.
To purchase these GICs, call 1-800-769-2599 or visit an RBC Royal Bank branch. You can find the location and phone number of the nearest RBC Royal Bank branch by using our Branch Locator. Please call and arrange to have one of our investment specialists meet with you at your convenience.
1) Rate information is not available for these combinations of term and investment size.

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Rates for 10 February 2012

Prime-Linked Cashable GIC^®

Interest Paid Semi-Annually or at Maturity

Term to Maturity	For investments of
	$5,000 to $49,999.99	$50,000 to $99,999.99	$100,000 to $249,999.99	$250,000 to $999,999.99	$1,000,000 and over
	[%]	[%]	[%]	[%]	[%]
1 year	0.250	0.400	0.500	0.750	1.000

Interest Paid Monthly

Term to Maturity	For investments of
	$5,000 to $49,999.99	$50,000 to $99,999.99	$100,000 to $249,999.99	$250,000 to $999,999.99	$1,000,000 and over
	[%]	[%]	[%]	[%]	[%]
1 year	0.150	0.300	0.400	0.650	0.900

Prior Redemption Rates

Elapsed Term	Redemption Rate [%]
1 to 29 days	0.000

NOTES
Interest rates are subject to change without notice at any time.
Rates shown are calculated on a per annum basis.
To purchase these GICs, visit invest online, call 1-800-769-2599 or visit an RBC Royal Bank branch. You can find the location and phone number of the nearest RBC Royal Bank branch by using our Branch Locator. Please call and arrange to have one of our investment specialists meet with you at your convenience.

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