1) Additional fees and charges will apply for services and transactions exceeding $6 per month. $6 worth of transactions could include, for example, making two (2) online bill payments and two (2) ATM transactions, writing one (1) cheque and making a deposit of two (2) cheques & $500 cash in-branch.

2) Subject to availability. Some restrictions may apply.

3) RBC Rewards points are earned on net purchases only; they are not earned on cash advances (including RBC Royal Bank credit card cheques, balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges or fees, and credits for returns and adjustments will reduce or cancel the points earned by the amounts originally charged. For complete terms and conditions that apply to the RBC Rewards program, please visit: www.rbcrewards.com or call 1-800-769-2512.

4) To receive the 15,000 bonus RBC Rewards points, your application form must be received by December 31, 2013 and approved by us. Upon enrolment, 15,000 bonus RBC Rewards points will appear on your first credit card statement. Bonus is only offered to the first Primary Business Cardholder on the account; Secondary Business Cardholder, as well as existing RBC Royal Bank Visa Business Platinum Avion cardholders as of the offer eligibility period are not eligible for this offer. This offer may not be combined or used in conjunction with any other offer.To receive the 15,000> bonus RBC Rewards points, your application form must be received by December 31, 2013 and approved by us. Upon enrolment, 15,000 bonus RBC Rewards points will appear on your first monthly statement. Bonus is only offered to the first Primary Business Cardholder on the account; Secondary Business Cardholder, as well as existing RBC Royal Bank Visa Business Platinum Avion cardholders as of the offer eligibility period are not eligible for this offer. This offer may not be combined or used in conjunction with any other offer. Air Travel Reward redemptions from the Air Travel Redemption Schedule start at 15,000 points for a round trip short-haul flight in economy class with a maximum ticket price of $350. All applicable taxes, service fees and surcharges are the responsibility of the traveller. For more details, including guidelines on redeeming for business class seats, visit www.rbcroyalbank.com/cards/rbcrewards/avion_booking .

5) All rewards are subject to availability.

6) Offer provided by Moneris Solutions. Certain terms and conditions apply. Please visit moneris.com/400bonus for complete details and restrictions regarding offer eligibility. Promotion runs from January 1, 2013 to June 30, 2013.

7) Best competitive rate promise and 90-day Satisfaction Guarantee provided by Moneris Solutions. Please visit moneris.com/400bonus for compete details.

8) This feature is only available to Primary Business Cardholders. Employees who also have a personal Visa Platinum Avion or Visa Infinite Avion card are not eligible to combine points. If there are multiple Primary Business Cardholders on a Visa Business Platinum Avion, this points roll-up feature is limited in that (i) all RBC Rewards points earned by all Primary Business Cardholder(s) and Employee(s) for that Business Applicant can only be rolled-up into the RBC Rewards Account of one (1) designated Primary Business Cardholder, and (ii) only that Primary Business Cardholder can also roll-up all the RBC Rewards points contained in that RBC Rewards Account into an RBC Rewards Account tied to a personal Visa Platinum Avion or Visa Infinite Avion account, and for which that designated Primary Business Cardholder is also the applicant or co-applicant.

9) If the first Visa Business Platinum Avion card on the account is a Primary Business Cardholder's card and such Primary Business Cardholder also has a personal Visa Platinum Avion or Visa Infinite Avion card, then the annual fee for the first Visa Business Platinum Avion card is reduced from $120 to $50, each year, as along as the Primary Business Cardholder remains a personal Visa Platinum Avion or Visa Infinite Avion cardholder and both cards are in good standing. Royal Bank of Canada reserves the right to withdraw this offer at any time, even after acceptance by you.

^‡ Moneris, Moneris Solutions and the Moneris Solutions Design are registered trademarks of Moneris Solutions Corporation. All other trademarks are the property of their respective owners.

^* Some conditions will apply.

^** The Moneris service is available if the Moneris host system processing platform is operational. Service availability is as measured by Moneris each calendar quarter.

^ Channel savings only apply to standard account fees for credits and debits, and reflect choosing to transact electronically versus in-branch or paper-based.