1. Default insurance required for all financing over 80% of appraised value of vacation home and in some cases, depending on the property type and other factors, for financing over 65% of the appraised value of vacation home. Default insurance premiums apply. Mortgages are subject to RBC Royal Bank lending criteria. Some conditions and exceptions apply. Ask for details.

2. Some conditions and exceptions apply. Depending on the property type and other factors. Ask for details.

3. The principal and interest portion of any skipped payment will remain outstanding until the end of the term of your loan at which time the skipped payment must be repaid. Interest will continue to accrue upon the total amount of the skipped payment until such time that the skipped payment is repaid in full. You may repay the skipped payment at any time.

4. Subject to Royal Bank of Canada standard lending criteria. Must be a fixed rate installment loan of at least $5,000. Audit can be done 90 days before loan advance date or 90 days after loan advance date and can be submitted 120 days after loan advance date. Offer begins February 15, 2009 and is available until further notice. Amount of rebate will be the actual invoiced amount of the home energy audit, up to a maximum of $100. Offer may be withdrawn at any time. Cannot be combined with any other offer.

5. Interest rates used for examples are for illustration purposes only. Interest rates are subject to change at any time without notice.

6. Royal Credit Line and Personal Loan accounts are available to clients who meet RBC Royal Bank standard credit criteria.

This is a general description of Royal Credit Line and Personal Loan; for more information and product details, please contact a credit specialist.

Loan amounts and loan limits are subject to standard loan criteria.

7. Due to provincial legislation in Alberta and Quebec, clients in these provinces are required to go to an RBC Royal Bank Branch or call RBC Royal Bank at 1-800-769-2511 in order to enrol.

8. Rates are converted from a monthly rate to a daily rate based on 365 days a year. Provincial sales tax will be added to the premium where applicable.

9. Royal Credit Line accounts are available to clients who meet RBC Royal Bank standard credit criteria.
This is a general description of Royal Credit Line; for more information and product details, call us at 1-800-769-2511.

10. Personal Loan accounts are available to clients who meet RBC Royal Bank standard credit criteria.

11. Your savings would be offset by future taxes on the withdrawal of this $2,500. Also the income on the $2,500 would eventually be taxable, but the $140 of interest expense is not tax-deductible.

12. If you were receiving paper statements, 7 years worth will be archieved from May 2007 forward.

13. Year archive starts from the first statement produced after May 2007 (the launch of this service).