1) We guarantee our lowest posted interest rate for the selected mortgage type and for a 120-day period from the application date to the funding date. If not funded within the 120-day period, the interest rate guarantee expires. "Posted" means the interest rate posted by Royal Bank of Canada for its residential mortgages.

2) Savings based on $100,000 secured line of credit with interest being paid over 10 years comparing a 3.5% and a 4.0% annual interest rate. The interest rate will fluctuate with the Prime Rate and is subject to change at any time without notice. Rate is effective as of February 10, 2012. The Prime Rate as of May 06, 2012 is 3.000%. Personal lending products and residential mortgages are provided by Royal Bank of Canada and are subject to its standard lending criteria.