1)

Offer available March 3, 2026 - June 1, 2026 ("Promotional Period")

This offer is available to any Eligible Student Client without a Personal Banking Account with Royal Bank of Canada at the beginning of the Promotional Period or in the three-year period before the start of the Promotional Period, and who otherwise complies with the Terms of the Promotional offer. The Bonus Offer is $100 with an Eligible Personal Banking Account.

To qualify for the $100 you must open your first new Eligible Personal Banking Account by 9:00 PM EST on June 1, 2026 and complete two of the following Qualifying Criteria by 9:00 PM EST on August 10, 2026 using your Eligible Personal Banking Account:

1. Register your Eligible Personal Banking Account for Interac Autodeposit and send or receive one (1) e-Transfer using RBC Online Banking or the RBC Mobile app.
2. Request and obtain an RBC Virtual Visa Debit Card and make at least one (1) Qualifying Debit Transaction (as defined in the Note section below) with your Eligible Personal Banking Account.
3. Transfer the full amount of your automated and recurring payroll direct deposit to your new Eligible Personal Banking Account. For greater certainty, this means that you will not qualify if you split your payroll deposit from one employer between your new Eligible Personal Banking Account and any other account. We reserve the right to determine what is considered payroll and whether any payroll deposit has been split. The first payment of each PAP must be debited and must clear from your new Eligible Personal Banking Account by 9:00 PM Eastern Time August 10, 2026.
4. Set up one (1) pre-authorized monthly payment ("PAP") – such as a pre-authorized eligible bill payment to a service provider (i.e. utility bill, gym membership) or pre-authorized payment to an RBC mortgage, loan, Royal Credit Line, or contribution to your RBC investment account – from your new Eligible Personal Banking Account. PLEASE NOTE: Any bill payments (pre-authorized or otherwise) made using a Virtual Visa Debit will not qualify. The first payment of each PAP must be debited and must clear from your new Eligible Personal Banking Account by 9:00 PM Eastern Time August 10, 2026.
5. Make one (1) eligible bill payment to a service provider from your new Eligible Personal Banking Account. PLEASE NOTE: To qualify, the eligible bill payment must be completed through the RBC Mobile app or RBC Online Banking. Excludes any bill payment made in-person at an RBC Royal Bank branch with an RBC Advisor, and any bill payment made to an RBC credit card account, and any bill payment made using RBC Virtual Visa Debit. The eligible bill payment must be debited and must clear from your new Eligible Personal Banking Account by 9:00 PM Eastern Time August 10, 2026.

NOTE: Qualifying Debit Transactions are defined as Bill Payments or purchase transaction using any of the following: your RBC Client Card, an RBC Virtual Visa Debit card associated with your Eligible Personal Banking Account, Interac Flash, Apple Pay, Google Pay, Samsung Pay Transactions carried out at an RBC Royal Bank branch or through the RBC Royal Bank ATM network, and bank fee transactions, are not included as qualifying transactions.

NOTE: You must be at least 14 years of age to obtain an RBC Virtual Visa Debit card. As such, option ii. (above) is only available to individuals who meet this minimum age requirement; if you are below the age of 14 and participate in this Promotional Offer, you must select one of the other eligible transaction types described.

The $100 cash component of the Promotional Offer will be deposited into your Eligible Personal Banking Account within 4 to 10 weeks of completing the Qualifying Criteria, if applicable. Royal Bank of Canada may follow up with Eligible Student Clients to remind them to complete the Qualifying Criteria.

This offer may not be combined or used in conjunction with any other Personal Banking Account offers. Royal Bank of Canada reserves the right to withdraw this offer at any time without notice, even after acceptance by you. For full details including defined terms visit rbc.com/offerterms100(opens in a new window).

2)

Offered as part of the Commitment on Low-Cost and No-Cost Accounts from the Financial Consumer Agency of Canada (FCAC).

3)

To be eligible, you must be 24 and under or a full-time student with an Advantage Banking Account. To be considered a full time student you must attend a primary or secondary school, OR be enrolled in a program at the post secondary level at a college, university or other educational institution (whether in Canada or not). If you are a post-secondary student you must take at least 60% of the usual course load for the program in which you are enrolled in any particular semester. Proof of enrollment may be requested at our discretion.

4)

Unlimited free Interac e-Transfer transactions are available in all Canadian dollar personal banking (chequing) accounts and are not counted toward the free monthly total in accounts with a limited number of free debits. There is a limit of 999 free Interac e-Transfer Transactions per Month per Account. In all Canadian dollar savings accounts, Interac e-Transfer transactions are $1 each, count as a Debit Transaction toward any free monthly total and carry an Excess Debit Transaction fee, if applicable. Interac e-Transfer transactions are not available in US dollar accounts.

5)

Interac e-Transfer transactions expire 30 days after they are sent and cannot be claimed by the recipient after this time. You have 15 days after the Interac e-Transfer transaction is sent to cancel without charge. A $5.00 Interac e-Transfer transaction Reclaim Fee is charged when a recipient does not accept it before it expires and the sender does not cancel the transaction before the 15-day cancellation period.

6)

An ATM operator surcharge (also called convenience fee) may be charged by other ATM operators. The convenience fee is not a Royal Bank fee. It is added directly to the amount of your cash withdrawal. All clients who use non-RBC ATMs may be charged a convenience fee regardless of the type of Account they hold.

7)

When you use your Client Card to make a withdrawal in a currency other than Canadian dollars at an ATM outside Canada displaying the PLUS system symbol, we will convert the amounts withdrawn and any associated charges imposed by any third party for the use of the ATM to Canadian dollars when we deduct the funds from your Account. We will convert these amounts to Canadian dollars no later than the date we post the transaction to your Account at our exchange rate, which is 2.5% over a benchmark rate set by Visa International, a subsidiary of Visa Inc., and which Royal Bank of Canada pays on the date of conversion. This rate may be different from the rate in effect on the date your ATM withdrawal occurred or on the date of the transaction.

8)

Subject to credit approval. If you are either i) post-secondary student of any age, or ii) a non-student age 24 and under, and an owner or co-owner of an RBC Advantage™ Banking Account for students ("Eligible Student Bank Account") and the primary cardholder of one of the eligible RBC Royal Bank credit cards listed below (each, an "Eligible Credit Card"), the annual fee of your Eligible Credit Card may be fully rebated, every year. Rebates that apply to eligible credit cards are (listed in order of highest standard annual fee to lowest standard annual fee):

For any other RBC Royal Bank credit card, regular annual fees apply as they are not eligible for a rebate. The annual fee of your Eligible Credit Card will continue to be fully rebated: i) until you close your Eligible Student Bank Account, or ii) until you turn 25 (provided you are no longer a full-time student), or iii) if you are 25 or older, until the Expected Graduation Year you have provided at the opening of your Eligible Student Bank Account. Thereafter, the annual fee will no longer be rebated. If, for some reason, the Expected Graduation Year you have provided at the opening of your Eligible Student Bank Account differs from the one you have indicated on your credit card application, the Expected Graduation Year you have provided at the opening of your Eligible Student Bank Account will prevail and be used for determining the expiry of this offer. If your Expected Graduation Year occurs after your 25th birthday, or you are turning 25 and are still a full-time student but have not yet notified us of your Expected Graduation Date, please visit a branch to ensure continuity of benefits pertaining to your Eligible Student Bank Account (proof of enrollment required). Additional cardholders (co-applicant and authorized user(s)) do not qualify for the annual fee rebate even if they are also owners of an Eligible Student Bank Account. Only one credit card annual fee rebate per Eligible Student Bank Account is allowed. If you already have an Eligible Student Bank Account, the rebate will be applied at the time you open your Eligible Credit Card account. If you open your Eligible Student Bank Account after you have opened your Eligible Credit Card account, the rebate will be applied at your next annual renewal and won't be applied retroactively. Other conditions and restrictions may apply. Royal Bank of Canada reserves the right to withdraw this offer at any time, even after acceptance by you.

9)

You will earn 3 Avion points for every $1.00 in Grocery, Dining, Food Delivery, Rides, Gas, Electric Vehicle Charging, Streaming, and Digital Gaming & Subscriptions Purchases you make on your RBC ION+ Visa credit card at merchants classified by Visa's "Merchant Category Code" (MCC). Depending on how certain merchants are categorized by Visa's "Merchant Category Code" (MCC) they may not qualify as an eligible MCC. Eligible MCCs are listed as:

(i) "Grocery Stores and Supermarkets" (MCC 5411), "Eating Place and Restaurants" (MCC 5812), "Drinking Places (Alcoholic Beverages) – Bars, Taverns, Nightclubs, Cocktail Lounges, and Discotheques" (MCC 5813), "Fast Food Restaurants" (MCC 5814), are "Grocery, Dining, and Food Delivery Purchases". Government liquor agencies and package stores that sell beer, wine, and liquor do not qualify as part of the "Drinking Places (Alcoholic Beverages)– Bars, Taverns, Nightclubs, Cocktail Lounges, and Discotheques" MCC;

(ii) "Service Stations (With or without Ancillary Services)" (MCC 5541), "Automated Fuel Dispensers" (MCC 5542), "Taxicabs and Limousines" (MCC 4121), "Local and Suburban Commuter Passenger Transportation, Including Ferries" (MCC 4111), "Electric Vehicle Charging" (MCC 5552) are "Rides, Gas & Electric Vehicle Charging Purchases". Non-commuter passenger railway purchases and non-commuter bus line purchases do not qualify as part of "Rides, Gas & Electric Vehicle Charging Purchases".

(iii) "Digital Goods Media – Books, Movies, Music" (MCC 5815), "Digital Goods – Games" (MCC 5816), "Digital Goods – Applications (Excludes Games)" (MCC 5817), "Digital Goods – Large Digital Goods Merchants" (MCC 5818), "Cable, Satellite and Other Pay Television/Radio/Streaming Services" (MCC 4899) are "Streaming, Digital Gaming & Subscriptions Purchases". The "Digital Goods –Games" MCC does not include games of chance and gambling.

You will earn 1 Avion point for every $1.00 on all other purchases (including pre-authorized bill payments) you make on your RBC ION+Visa credit card.

Even though some merchants may sell Grocery, Dining, Food Delivery, Rides, Gas, Electric Vehicle Charging, Streaming, Digital Gaming & Subscriptions merchandise, purchases made at these locations may not necessarily qualify as Eligible MCCs if the merchant is not classified as such by Visa. Also, you may make a purchase at a merchant that is not classified as an Eligible MCC but is located on the premises of a merchant that is classified as an Eligible MCC, in which case your purchase would not qualify asan Eligible MCC. We cannot guarantee that any merchant, operating in whole or in part as a Grocery, Dining, Food Delivery, Rides,Gas, Electric Vehicle Charging, Streaming, and Digital Gaming & Subscriptions merchant is classified as an Eligible MCC and in no event will we be liable or responsible for any claims with respect to a Grocery, Dining, Food Delivery, Rides, Gas, Electric Vehicle Charging, Streaming, and Digital Gaming & Subscriptions Purchase made at a merchant that is not classified as an Eligible MCC. Avion points are earned on net purchases only; they are not earned on cash advances (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.

10)

This offer only applies to new applications for an RBC ION+ Visa credit card received between January 21, 2026 and May 6, 2026 ("Offer Period") and approved by Royal Bank of Canada ("Royal Bank"), subject to the conditions below. Additional cardholders(s) (co-applicant and authorized user(s)) on the RBC ION+ Visa credit card account, as well as existing cardholders on any RBC Royal Bank personal credit card transferring to an RBC ION+ Visa credit card during the Offer Period, are not eligible for this offer.

7,000 Avion points ("Welcome Points") will appear on your monthly credit card statement within sixty (60) days after your application has been approved, provided that your RBC ION+ Visa credit card account ("Credit Card Account") remains open and in good standing at the time the Welcome points are credited to your account, "good standing" meaning that your Credit Card Account must not be past due for more than two (2) consecutive credit card account statement periods, closed, charged off or in credit revoked status.

14,000 additional Avion points ("Bonus Points") will be awarded to you if a total of $1,500 ("Qualifying Transaction Amount") or more in qualifying net purchases and/or pre-authorized bill payment transactions ("Qualifying Transactions") are posted to your Credit Card Account within the first six (6) months from your Credit Card Account opening date ("Period"). The Bonus Points will appear on your monthly credit card statement within sixty (60) days after you reach $1,500 in Qualifying Transactions, provided your Credit Card Account is in good standing at the time the Bonus Points are credited to your account.

Qualifying Transactions exclude cash advances (including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges and fees, and credits for returns and adjustments posted to your Credit Card Account during the Period will reduce the amount of your Qualifying Transactions. The Qualifying Transaction Amount is based on the transaction posting date of each Qualifying Transaction, not the transaction date. This means that transactions that take place prior to the last day of the Period will not be considered for the Qualifying Transaction Amount if they have not yet been posted or processed by the merchant, the payment network (Visa) or Royal Bank by the last day of the Period.

If you close or change your RBC ION+ Visa credit card for another type of RBC Royal Bank credit card before the Welcome Points and/or the Bonus Points have been credited to your account, you may lose the benefit of this offer. This offer may not be combined or used in conjunction with any other offer. Royal Bank of Canada reserves the right to cancel, modify or withdraw this offer at any time without notice, even after your application has been approved, including if we suspect that you may be manipulating or abusing it, or engaging in any suspicious or fraudulent activity, as determined by Royal Bank in its sole discretion. For complete terms and conditions that apply to the Avion Rewards Program, please visit www.avionrewards.com (opens in a new window) or call 1-800-769-2512.

To get $150 worth of gift cards/certificates, you will need a total of 21,000 Avion points. Minimum redemption of 1,400 Avion points for most $10 gift cards/certificates. Some exceptions apply. Point redemption values may fluctuate. For general redemption terms, conditions and restrictions that apply to the Avion Rewards program, as well as for current point redemption values, please visit https://www.avionrewards.com/terms-and-conditions.html (opens in a new window) or call 1-800-769-2512.

11)

To receive a complimentary DashPass subscription for $0 delivery fees and reduced service fees on eligible orders when you pay with your Eligible RBC Credit Card, you must subscribe to DashPass by adding an Eligible RBC Credit Card, accept the DoorDash terms and conditions, and activate your benefit by clicking "Activate Free DashPass" before {{doordash_expiry_date}} ("Offer Period"). If you are an existing DashPass subscriber and have already added an Eligible RBC Credit Card to your account you must activate your benefit by clicking "Activate Free DashPass" during the Offer Period. If you have been charged for DashPass you will receive a refund to the method of original payment, in the amount of the monthly subscription fee for the month you activate your complimentary subscription. For all clients, by clicking on "Activate Free DashPass" you agree to the DoorDash terms and conditions which can be found at https://help.doordash.com/consumers/s/terms-and-conditions opens in a new window.

Eligible RBC Credit cardholders include primary cardholders, co-applicants, authorized users, primary business cardholders and secondary business cardholders on an Eligible RBC Credit Card account.

The DashPass monthly subscription fee will be waived ("Complimentary DashPass Subscription") and you will receive either a 6 months or 12 months Complimentary DashPass Subscription based on the Eligible RBC Credit Card you use to subscribe to DashPass.

DashPass subscriptions purchased through third parties, including third-party payment accounts, or online or mobile digital wallets (like Apply Pay and Google Pay) are not eligible for the Complimentary DashPass Subscription.

Eligible RBC Credit Cards: Your Eligible RBC Credit Card may only be used with one DoorDash account to receive a Complimentary DashPass Subscription. Once you have received a Complimentary DashPass Subscription you cannot use the same eligible RBC Credit Card to obtain a Complimentary DashPass Subscription with another DoorDash account.

You are only eligible for one 12 month Complimentary DashPass Subscription Offer and one 6 month Complimentary DashPass Subscription Offer during the Offer Period. The Complimentary DashPass Subscription Offer Commences on the date you subscribe to receive the Complimentary DashPass Subscription . Eligible RBC Credit Cardholders may upgrade their card to receive a 12 month DashPass after subscribing to a 6 month DashPass, but they may not acquire a card of lesser value and subscribe to a 6 month DashPass after activating a 12 month DashPass.

In order to validate your credit card as an Eligible RBC Credit Card, Royal Bank may need to administer a $0.50 charge to validate your card enrollment. This charge will be reversed in 3 to 5 days once your account has been validated.

12 Month Complimentary DashPass Subscription is available for the following Eligible RBC Credit Cards:

As an RBC Avion Visa Platinum, RBC Avion Visa Infinite , RBC Avion Visa Infinite Privilege, RBC Avion Visa Infinite Privilege for Private Banking, WestJet RBC World Elite Mastercard, RBC Rewards Visa Preferred, RBC Cash Back Preferred World Elite Mastercard, More Rewards RBC Visa Infinite, RBC British Airways Visa Infinite, RBC Avion Visa Business, RBC Avion Visa Infinite Business, WestJet RBC World Elite Mastercard for Business (Elite Benefit cards) cardholder, you are eligible for a complimentary DashPass Subscription for a period of 12 months from the date you complete the steps above, including subscribe to receive the complimentary DashPass Subscription.

You will only be entitled to DashPass benefits when your Elite Benefit Card is designated as your primary payment method on DoorDash. Should you use an alternative payment method on DoorDash, you will not be entitled to DashPass benefits for your order. Your RBC credit card account must be open and not in default to maintain the benefits of DashPass

6 Month Complimentary DashPass Subscription is available for the following Eligible RBC Credit Cards:

As an RBC Rewards+^TM Visa‡, Signature^® RBC Rewards^® Visa‡, RBC^® Visa‡ Platinum, RBC^® Visa‡ Cash Back, RBC^® Cash Back Mastercard‡, RBC^® Visa‡ Classic Low Rate Option, RBC^® Visa‡ Classic, RBC^® Student Visa‡ Classic, RBC^® Visa‡ Classic II Student, RBC^® Visa‡ Gold, RBC^® U.S. Dollar Visa‡ Gold, RBC Rewards Visa‡ Gold, RBC RateAdvantage^® Visa‡, WestJet RBC^® Mastercard‡, RBC ION Visa, RBC ION+ Visa, More Rewards RBC Visa, RBC Staff VISA Classic Expense, RBC Staff VISA Gold Expense, RBC^® Visa‡ Business, RBC^® Visa‡ Business Gold, RBC^® Visa‡ CreditLine for Small Business^TM, or RBC^® Business Cash Back Mastercard‡, WestJet RBC^® World Elite Mastercard‡ (Premium Benefit Cards) cardholder you are eligible for a complimentary DashPass Subscription for a period of 6 months from the date you complete the steps above, including subscribing to receive the complimentary DashPass Subscription.

You will only be entitled to DashPass benefits where your Premium Benefit Card is designated as your primary payment method on DoorDash. Should you use an alternative payment method on DoorDash, you will not be entitled to DashPass benefits for your order. Your RBC credit card account must be open and not in default to maintain the benefits of DashPass

Two complimentary periods: Subject to meeting and retaining the eligibility criteria, Each person is entitled to a maximum of two complimentary DashPass Subscription periods through DashPass for RBC over their lifetime. The two complimentary periods may be redeemed by:

a. Completing your first complimentary DashPass Subscription period, remaining unsubscribed from DashPass (on any membership plan) for at least six (6) consecutive months, and then enrolling in a second complimentary DashPass Subscription period, provided you are still an Eligible RBC Cardholde at the time of re-enrollment.; or

b. Completing your first complimentary DashPass Subscription period and upgrading to a higher tier Eligible RBC Card and enrolling into the complimentary DashPass Subscription period associated with that higher tier Eligible RBC Card (see upgrades terms below).

At the completion of your complimentary DashPass subscription period, you will automatically be charged the then current DashPass subscription fee, currently $9.99 / month (plus any applicable taxes) on a recurring basis until you cancel. Cancellation instructions may be viewed here (opens in a new window). The DashPass membership fee will be charged to your preferred or any other payment method you have on file for your DoorDash account.

$10 Promotion Offer: Upon activating the Offer, eligible Elite and Premium RBC Cardholders will be provided with a $10 promo to use on one DoorDash order with a subtotal minimum of at least $25 excluding fees and taxes. The discount applies to the order subtotal only and does not apply to fees, taxes, and gratuity. If the full $10 value is not used on a single order, the remaining value will be forfeited. Limit one per person. The promo may be redeemed at checkout and will expire 28 days after activating the Offer. Fees, taxes, and gratuity still apply. See further promotional terms and conditions at https://drd.sh/8ONpZP/ (opens in a new window).

DoorDash not Royal Bank of Canada, is responsible for (i) services and products provided through DoorDash; (ii) DashPass, including the DashPass Benefits, the administration of DashPass and (iii) the DoorDash terms and conditions. The Complimentary DashPass Subscription offer may be amended or withdrawn at any time. To learn more about DashPass, visit www.doordash.com/dashpass opens in a new window. For full DashPass for RBC Program Terms and Conditions, visit rbcroyalbank.com/credit-cards/documentation/pdf/full-doordash-tcs-en.pdf(PDF) (opens in a new window).

DashPass is a DoorDash subscription service that offers unlimited $0 delivery fees and reduced service fees on eligible orders at a monthly subscription fee of $9.99 CAD plus tax. To learn more about DashPass, visit www.doordash.com/dashpass opens in a new window.

12)

Personal lending products are provided by Royal Bank of Canada and are subject to its standard lending criteria. If your credit history is limited, or you are studying at an educational institution outside of Canada, a co-signor may be required.

Access to your total credit limit depends on how much credit you qualify for and accept. You will be given access to a portion of that total amount in each year of study over the course of your program, with additional funds (up to your total credit limit) made available to you each year when you provide proof of enrolment confirming that you have progressed to your next year of study. For additional information speak to an RBC Advisor.

13)

"RBC Prime Rate" means the annual rate of interest announced by Royal Bank of Canada from time to time as its reference rate then in effect for determining interest rates on Canadian dollar commercial loans made by the Bank in Canada. The current Royal Bank Prime Rate may be viewed here(opens in a new window), and is subject to change at any time without notice. On October 30, 2025, the Royal Bank Prime Rate was 4.450%.

14)

The Bonus Interest Rate on January 30, 2026 of 4.05% within the RBC New eSavings Client Bonus Interest Rate Offer (“Offer”) is available to residents of Canada who are of the age of majority in the province or territory in which they reside as of the date the Eligible eSavings Account is opened and who were not the Primary Owner of an RBC High Interest eSavings Account at any time before the beginning of the Qualifying Period (as defined below), and who open a new RBC High Interest eSavings Account (“Eligible eSavings Account”) as the Primary Owner between January 30, 2026 and 3:00 PM EST on June 9, 2026 (the “Qualifying Period”). (Note: For added clarity, you will not qualify for this Offer by switching from another account type to an Eligible eSavings Account.) The Bonus Interest Rate on January 30, 2026 was 4.05% and is only applicable to deposits made in the Eligible eSavings Account for 3 months (90 days) from the date the Eligible eSavings Account was opened (the “Promotional Period”) and up to a maximum of $1,000,000 of the Eligible eSavings Account’s total balance. Any balances over $1,000,000 will be paid the Regular Interest Rate. “Promotional Interest Rate” is a combination of the Bonus Interest Rate plus the Regular Interest Rate. For example, if on January 30, 2026, the Regular Interest Rate was 0.55% per annum and the Bonus Interest Rate was 4.05% per annum, the Promotional Interest Rate would be 4.60% per annum. The Regular Interest Rate is subject to change without notice, and the most current rate is posted on our Personal Accounts Interest Rates webpage, which may be viewed at https://www.rbcroyalbank.com/rates/persacct.html (opens in a new window). At the end of the Promotional Period, all balances will earn interest at the Regular Interest Rate only. Regular Interest Rate and Bonus Interest Rate are annualized rates, and (subject to certain exceptions) are calculated daily and paid monthly. Any Eligible eSavings Account that, prior to the payment of interest at the Bonus Interest Rate, is closed or switched to another product type which is not an RBC High Interest eSavings Account will forfeit any such interest calculated during the month in which the Eligible eSavings Account is closed or switched. Offer and interest rates are subject to change without notice. Offer may be withdrawn at any time. Conditions apply. For other defined terms and complete terms and conditions that apply to this Offer, please visit www.rbc.com/janhisa26 (opens in a new window).

15)

Total of 90 days: For the purpose of this RBC New eSavings Client Bonus Interest Rate Offer and any related marketing, any reference to a period of 3 months means a period of 90 calendar days regardless of how many calendar days may fall within any given calendar 3-month period.

16)

Offer available March 3, 2026 to June 1, 2026 (the "Promotional Period")

This offer is available to any Eligible Client aged 0-12 without a Personal Banking Account with Royal Bank of Canada at the beginning of the Promotional Period or within the last 3 years before the start of the promotional period. Eligible Clients aged 0-11 are required to open the account together with a joint account holder who is above the age of majority in the Canadian province or territory in which they reside. The Bonus Offer is $25 with an RBC Leo's Young Savers Account^{legal disclaimer ®}. This account type is intended for clients age 0-12 years. No qualifying transactions or purchases are required for the $25 Bonus Offer with the RBC Leo's Young Savers Account. To receive the $25 Bonus Offer, you must open your new Eligible Personal Banking Account by 9:00 PM ET on June 1, 2026. The Bonus Offer will be deposited into your Eligible Personal Banking Account within 2 to 8 weeks provided your account remains in good standing. This offer may not be combined or used in conjunction with any other Personal Banking Account offers. Royal Bank of Canada reserves the right to withdraw or modify this offer at any time without notice, even after acceptance by you. For full legal terms click here: rbc.com/leo25 (opens in a new window).

17)

The following RBC bank accounts are eligible for the Value Program: RBC Day to Day Banking, RBC Advantage Banking (includes RBC Advantage Banking for students), RBC Signature No Limit Banking, RBC VIP Banking, RBC No Limit Banking (discontinued), RBC Student Banking (discontinued), RBC No Limit Banking for Students (discontinued), RBC Day to Day Savings, RBC Enhanced Savings and RBC High Interest eSavings.

18)

RBC Online Banking is provided by Royal Bank of Canada. RBC Mobile is operated by Royal Bank of Canada, RBC Direct Investing Inc. and RBC Dominion Securities Inc. RBC Mobile Student Edition is intended for clients under the age of 22. RBC Online Banking is operated by Royal Bank of Canada.

19)

You can send up to 25 requests at a time up to $10,000 each to anyone banking in Canada with Request Money in the RBC Mobile app. Limits for fulfilling Request Money transactions vary by financial institution and recipient. Contact your recipient to ensure your request can be fulfilled. Any unfulfilled money request will expire after 30 calendar days.

20)

This is the account you access with your RBC Royal Bank Client Card when you select the "Chequing" option on a merchant payment terminal or at an automated teller machine. RBC Virtual Visa Debit is not available to business clients.

The Virtual Visa Debit card allows you to shop online, pay bills, make in-app purchases and shop in-store internationally.

When you use RBC Virtual Visa Debit for a transaction in a currency other than Canadian dollars, we will convert the transaction amount into Canadian dollars at an exchange rate that is 2.5% over a benchmark rate Royal Bank of Canada pays on the date of the conversion. If the merchant gives you a credit voucher or refund for a transaction in a foreign currency, the debit and the subsequent credit will not exactly balance because of exchange rate and currency fluctuations.

Debit transactions made using your RBC Virtual Visa Debit Number do not count against any monthly transaction limits applicable to your personal deposit account. Other account fees may apply. Please see the RBC Royal Bank Disclosures and Agreements related to Personal Deposit Accounts booklet or other applicable account agreement for further details.

When you use Virtual Visa Debit to make a payment: 1) the funds will be debited from your banking account. 2) The merchant performs an authorization on your account at the time of the purchase and the charge is immediately debited from that account. In some cases, merchants may need to adjust the authorization amount. Should this occur, a credit adjustment in the amount of the original authorization will be credited to your account, followed immediately by a debit adjustment that reflects the final transaction amount. Please refer to the RBC Royal Bank Virtual Visa Debit Agreement for further details.

21)

GoSmart is a service offered by RBC Direct Investing Inc. RBC Direct Investing Inc. and Royal Bank of Canada are separate corporate entities which are affiliated. RBC Direct Investing Inc. is a wholly owned subsidiary of Royal Bank of Canada and is a Member of the Canadian Investment Regulatory Organization and the Canadian Investor Protection Fund. Royal Bank of Canada and certain of its issuers are related to RBC Direct Investing Inc. 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. ^® / ™ Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada. Used under licence. © Royal Bank of Canada 2026.

22)

23)

^® / ^TM

Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.

^‡

All other trademarks are the property of their respective owner(s).

†

Royal Credit Line Promotional Offer Terms & Conditions

This Royal Credit Line Promotional Offer (the “Promotional Offer”) is available from March 2, 2026, to May 31, 2026, inclusive (the “Promotional Period”).

The Promotional Offer is available to eligible applicants for Royal Credit Line for Students, as well as Medical/Dental Royal Credit Line, who, at the start of the Promotional Period, do not have a Royal Credit Line (RCL) with Royal Bank of Canada, and who otherwise comply with the terms and conditions (the “Terms”) provided herein.

The Promotional Offer is:

• 7,500 Avion points for eligible students enrolled in a “General Program” or “Professional Program”, or
• 30,000 Avion points for eligible students enrolled in a “Medical or Dental program”, “Medical or Dental Residents”, or “Medical or Dental Practicing Professionals”.

“General Program” means all undergraduate and graduate programs, such as a master’s degree or Doctor of Philosophy degree (PhD), excluding Professional Programs. “Professional Program” means professional graduate or specialized health science programs. “Medical or Dental Program” means post-secondary level programs, upon the completion of which, the student will receive a Doctor of Medicine (M.D.) or Doctor of Dental Surgery (DDS). “Medical or Dental Residents” means newly graduated doctors or dentists undergoing postgraduate training as part of a residency program. “Medical or Dental Practicing Professionals” means graduated doctors and dentists who are licensed, registered, and are actively practicing medicine or dentistry. Please speak with an RBC advisor to confirm eligibility.

The Terms:

To qualify to receive the applicable benefit of this Promotional Offer:

1. you must either be a student who is enrolled in an eligible General Program, Professional Program, Medical or Dental program, or a Medical or Dental resident or practicing professional as described above.
2. you must be the primary applicant for an RCL with Royal Bank of Canada.
3. you must start your RCL application by 11:59pm EST on May 31, 2026.
4. your application must be approved and activated by 11:59pm EST on June 14, 2026.
5. your Line of Credit Account must be in good standing (for example, your Line of Credit Account must not be in a delinquent status) and open at the time the Avion points are awarded.
6. you must be an Avion Rewards member before June 14, 2026. To check your membership status or to join now and accept Terms and Conditions, please go to https://www.avionrewards.com/index.html(opens in a new window) and sign in with your Online Banking credentials

Note: Eligible students, as part of their Student RCL, Medical/Dental RCL for Students application, may be required to provide proof of enrolment in an eligible General Program, Professional Program, or Medical/Dental program as applicable.

In addition to any other exclusions described in these terms, this Promotional Offer is not available in respect of (i) Credit Limit Increases on existing RCL’s; (ii) RCL’s that were opened prior to the Promotional Period; (iii) Student RCLs or Medical/Dental RCL for Students held by individuals who have already completed their studies (as applicable), even if their Student RCL or Medical/Dental RCL for Students remains open during or after the Promotional Period; (iv) Student RCLs or Medical/Dental RCL for Students held or opened by individuals enrolled in programs of study other than an eligible general, professional, or Medical or Dental programs (as described above).

If you qualify to receive the benefit of this Promotional Offer, the Avion points you qualify to receive, as applicable, will be deposited into your eligible Avion Rewards account within eight (8) weeks of the offer end date (May 31, 2026) (no action required from you). In order to receive the points for which you have qualified, you must be an Avion Rewards member at the time the points are awarded. If you are not an Avion Rewards member as of the date we attempt to deposit the benefit of this Promotional Offer, you will forfeit this benefit and be deemed to have not qualified for the Promotional Offer. For more information on eligibility visit https://www.avionrewards.com/eligibility.html(opens in a new window).

Only one Promotional Offer payment per client per activated RCL. Promotional Offer and RCL applications are subject to Royal Bank of Canada’s standard lending criteria and other applicable restrictions.

Other Terms and Conditions:

If you are an RBC Avion Visa Infinite, RBC Avion Visa Platinum, RBC Avion Visa Infinite Privilege, RBC Avion Visa Infinite Business, or RBC Avion Visa Business cardholder (“RBC Avion Cardholder”) you may redeem 7,500^{legal disclaimer 22} and 30,000^{legal disclaimer 23} Avion points for Travel Value of $175^{legal disclaimer 22} or $700^{legal disclaimer 23} respectively, is based on the Air Travel Redemption Schedule. Air Travel Reward redemptions from the Air Travel Redemption Schedule start at 7,500 Avion points for a one-way short-haul flight within or to an adjacent province/territory or within or to an adjacent U.S. State. All applicable taxes, service fees, and surcharges are the responsibility of the traveler. For more details, including information on redeeming for first class and business class seats, visit: https://www.avionrewards.com/travel/index.html(opens in a new window). If you are not an RBC Avion Cardholder, different redemption rates apply. Avion points can also be redeemed for travel, gift certificates/cards, brand name merchandise, and more. All rewards are subject to availability and may change without prior notice. Please refer to the Avion Rewards Terms and Conditions for a list of eligible products and respective travel redemption rates. Redemption rates vary depending on the redemption category and products held.

Your points will be awarded to your Avion Rewards Core Account. Should you be an RBC Avion Visa Infinite, RBC Avion Visa Platinum, RBC Avion Visa Infinite Privilege, RBC Avion Visa Infinite Business, or RBC Avion Visa Business cardholder, in order to receive the best value for your points you will need to transfer them to your respective Credit Card points account For general redemption terms, conditions and restrictions that apply to the Avion Rewards program, please visit avionrewards.com or call 1-800 ROYAL 1-2 (1-800-769-2512). For complete terms, conditions and restrictions that apply to the Avion Rewards program, please visit: www.avionrewards.com(opens in a new window).

7500^{legal disclaimer 22} points is enough for a one-way flight within or to an adjacent province/state. 30,000^{legal disclaimer 23} points is enough for two round-trip flights within or to an adjacent province/state. Please refer to the Avion Rewards Terms and Conditions for a list of eligible products and respective travel redemption rates.

Redemption rates vary depending on the redemption category. For general redemption terms, conditions and restrictions that apply to the Avion Rewards program, please visit avionrewards.com or call 1-800 ROYAL 1-2 (1-800-769-2512).