Legal Disclaimers

1) Coverage underwritten by RBC General Insurance Company in the Province of Quebec and by RBC Insurance Company of Canada in the rest of Canada.
2) Coverage underwritten by Desjardins Financial Security Life Assurance Company.
3) Coverage underwritten by RBC General Insurance Company.
5) Number of days between the last day of your Visa statement and your payment due date. If the previous New Balance was not paid in full by the Payment Due Date, your Payment Due Date will be extended to 25 days from the last day of your Visa Statement Period.
All insurance is subject to limitations and exclusions. Please refer to the certificates of insurance for complete details.
^Δ In order to benefit from the introductory rate on cash advances for 9 months, your application form must be received by us by April 30, 2011. The introductory rate offer is applicable to all cash advances (i.e. cash withdrawals from a bank branch or ATM with your RBC Royal Bank credit card, use of RBC Royal Bank credit card cheques, balance transfers, cash-like transactions and certain bill payments). All other account activities, including purchases, are subject to the standard account annual interest rate as shown in the Information Box. Interest is charged from the day the cash advance is made until we receive your payment for the total amount you owe. The introductory rate on cash advances remains in effect through the first 9 monthly credit card statement billing periods (approximately 9 months from account open date). The Interest Rate Chart on your monthly statement will indicate the exact date on which the introductory rate expires as long as you have a remaining balance associated with your introductory rate. If we do not process statements on the expiry date (for example, if it falls on a holiday or weekend), you will continue to benefit from that introductory rate until your statement is prepared, the next processing day. At the expiration of this offer: (i) all cash advances; and (ii) any remaining balances which were subject to the introductory rate under this offer, will be subject to the standard account annual interest rate applicable to cash advances as shown in the Information Box. Your payments will be applied first to interest, then to fees, and then generally to balances with lower interest rates, including balances subject to promotional annual interest rates, before balances with higher interest rates. Effective September 1, 2010 the way your payments are allocated will change. Payments will then be allocated generally to balances with different interest rates in a proportionate manner. See the "important changes to your credit card account" insert you will receive with your card for details. If you change your actual RBC Royal Bank credit card for another type of card before the expiration of the offer, you will lose the benefit of this and any other promotional annual interest rate offers in which you are participating. Your RBC Royal Bank Credit Card Agreement explains the terms under which you use your RBC Royal Bank credit card. Please refer to it for full details.