Depending on the type of account you have, various account and service fees may apply. Fees subject to change without notice. For a listing of account fees please consult the Personal Banking Accounts – Features and Fee brochure at your nearest branch.

Transaction fees for fund transfers and bill payments may apply when using Online Banking and Telephone Banking depending on your account package and are separate from access fees. Access fees are separate from transaction fees.

1) RBC Student Banking^® and RBC No Limit Banking for Students^® accounts are available to any full-time student upon presentation of student identification.

2) Must be used during the monthly cycle in which it was provided.

3) Offer refers to the RBC Student Banking account with no monthly fee, 25 free debit transactions a month and a no annual fee credit card. Or, open the RBC No Limit Banking for Students^® account and your monthly fee will be fully rebated when you also hold a qualifying investment and credit card. For full offer and product details please visit www.rbc.com/student .

4) Transaction fees may apply for bill payments or funds transfers made through Online Banking and are separate from access fees.

5) If you are a post-secondary student and are the Primary Owner or co-owner of an RBC Student Banking or RBC No Limit Banking for Students account (each an Eligible Bank Account) and the primary cardholder of one of the eligible RBC Royal Bank credit cards listed below, you may be entitled to a rebate on your annual fee, every year, as long as you:
i) complete the Student Information section of the credit card application form in full;
ii) remain a student; and
iii) are the primary or co-owner of an Eligible Bank Account throughout your studies.

Eligible Credit Cards	Annual Fee Rebate
Signature RBC Rewards® Visa card†	$39
WestJet RBC MasterCard‡	$39
RBC Visa Cash Back	$19

Subject to credit approval

You will continue to benefit from the rebate on your annual fee: i) until you close your Eligible Bank Account, or ii) until the Expected Graduation Year you have provided upon opening your Eligible Bank Account, whichever comes first. Thereafter, you will no longer receive the rebate on the annual fee.

If, for some reason, the Expected Graduation Year you have provided at the time of opening your Eligible Bank Account differs from the one you indicate on your credit card application form, the Expected Graduation Year you have provided at the time of opening of your Eligible Bank Account will prevail and be used for determining the expiry of this offer.

Additional cardholders are not eligible for this offer. Only one credit card annual fee rebate per Eligible Bank Account is allowed. This means that if both the primary owner and co-owner of an Eligible Bank Account are also the primary cardholders of an Eligible Credit Card each, only the primary owner of the Eligible Bank Account will be entitled to the credit card annual fee rebate.

6) ATM operator surcharge (also called a convenience fee) may apply. Each account cash withdrawal at an ATM outside Canada displaying the PLUS System symbol, and any fees that may be imposed by any third party for using the ATM, are converted to Canadian dollars at an exchange rate which is 2.5% above the bench mark rate set by the payment card company when the transaction is posted. Exchange rates fluctuate and, as such, the rate applied will usually differ from the posted exchange rate at the time of the transaction.

RBC Direct Investing Inc.* and Royal Bank of Canada are separate corporate entities which are affiliated. * Member – Canadian Investor Protection Fund. RBC Direct Investing Inc. does not provide investment advice or recommendations regarding the purchase or sale of any securities. Investors are responsible for their own investment decisions. RBC Direct Investing is a business name used by RBC Direct Investing Inc.