legal disclaimer

1)

Offer available June 2, 2026- November 2, 2026 (“Promotional Period”)

This Promotional Offer is available to any Eligible Student Client, who is a minimum of 13 years of age and older as of November 2, 2026, 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 comply with the Terms of the Promotional offer. The Promotional Offer Reward is AirPods 4 Model #MXP63AM/A with an Eligible Personal Banking Account.

To qualify for the Promotional Offer Reward you must open your first new Eligible Personal Banking Account by 9:00 PM EST on November 2, 2026 and complete two (2) of the following Qualifying Criteria by 9:00 PM EST on January 15, 2027 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 January 15, 2027.
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 January 15, 2027.
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 January 15, 2027.

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 for the purpose of option ii (above)

NOTE: You must be at least 14 years of age to obtain an RBC Virtual Visa Debit card. As such, option ii. (above) of this section 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.

Starting June 30, 2026, we will notify you – by way of an email sent to the email address you have provided to us – when you have fulfilled the Qualifying Criteria and qualified for the Promotional Offer. This message will be sent at any time up to twenty business days after we have determined that all Qualifying Criteria have been completed by you. The email message will contain a secure link that will permit you to visit a secure online store where you can order your Reward and confirm an address for delivery, as well as any other shipping details.

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

legal disclaimer

2)

RBC Advantage Banking for students is offered as part of the Commitment on Low-Cost and No-Cost Accounts from the Financial Consumer Agency of Canada (FCAC). For more information, visit: canada.ca/en/financial-consumer-agency/services/industry/laws-regulations/low-cost-no-cost-accounts.

legal disclaimer

3)

To be eligible for a monthly fee waiver on your Advantage Banking account, you must be 24 and under OR a full-time student. To be considered a full-time student, you must attend a college, university, or other educational institution in a program at a post-secondary school level (whether in Canada or not), and during a particular semester, you must take at least 60% of the usual course load for the program in which you are enrolled. Proof of enrolment may be requested at our discretion. It is your responsibility to notify us of changes to your student status and/or your graduation date throughout the period that you are receiving the Monthly Fee waiver for Students on the RBC Advantage Banking Account. Based on the graduation date you provide to us, your student status will expire with us and we will begin charging you the Monthly Fee for the RBC Advantage Banking account.

legal disclaimer

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.

legal disclaimer

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.

legal disclaimer

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.

legal disclaimer

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.

legal disclaimer

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):

Credit Card Annual Fees

RBC ION+ Visa	$48
WestJet RBC MasterCard	$39

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.

legal disclaimer

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.

legal disclaimer

10)

This offer only applies to new applications for an RBC ION+ Visa credit card received between June 16, 2026 and November 4, 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 (“Additional Points”) will be awarded to you if a total of $1,500 or more (“Qualifying Transaction Amount”) in qualifying net purchases and/or pre-authorized bill payment transactions (“Qualifying Transactions”) are posted to your RBC ION+ Visa credit card account within the first 6 months from the date of your credit card account open date (“Period”), provided your account is open and in good standing at the time the Additional Points are posted to your Credit Card Account, approximately 60 days after you reached the Qualifying Transaction Amount. 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. Any credits for returns and adjustments that reduce the amount of Qualifying Transactions below $1,500 will cancel your Additional Avion points.

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.

7,000 additional Avion points (“Anniversary Points”) will appear on your monthly credit card statement within twelve (12) to sixteen (16) weeks after the one- year anniversary of your Credit Card Account opening, provided that your Credit Card Account remains open and in good standing at the time the Anniversary Points are credited to your account.

If you close or change your RBC ION Visa credit card for another type of RBC Royal Bank credit card before the Welcome Points, the Additional Points and/or the Anniversary 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 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 or call 1-800-769-2512.

To get $200 worth of gift cards/certificates, you will need a total of 28,000 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 or call 1-800-769-2512.

legal disclaimer

11)

Royal Credit Line for Students Promotional Offer Terms & Conditions

This Royal Credit Line (RCL) for Students Promotional Offer (the “Promotional Offer”) is available from June 1, 2026, to October 31, 2026 (June 1 and Oct 31 inclusive) (the “Promotional Period”).

The Promotional Offer is available to eligible students who, as of the start of the Promotional Period, do not have a Royal Credit Line with Royal Bank of Canada and who otherwise comply with the terms and conditions (the “Terms”) provided herein.

The Promotional Offer is:

• $325 for eligible students enrolled in a “General Program” or
• $575 for eligible students enrolled in a “Professional Program”, or
• $1,000 for eligible students enrolled in a “Medical or Dental program”

“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 and includes Special and Study Abroad programs. For additional details, visit Student Line of Credit – Professional Studies Benefits – RBC Royal Bank (https://www.rbcroyalbank.com/loans-line-of-credit/student-loans/undergrad-grad-students.html). “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). For additional details, visit RBC Healthcare – Medical and Dental Royal Credit Line (https://www.rbcroyalbank.com/healthcare-financial-solutions/medical-dental-students-b.html). Additional conditions apply. Please speak with an RBC Credit Advisor to confirm your eligibility for this Promotional Offer and whether your program of study meets the criteria of a General Program, or Professional Program, or Medical or Dental Program as applicable.

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

Note: as part of your Student RCL application, you may be required to provide proof of your enrolment in an eligible General Program, or Professional Program, or Medical or 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 Student RCLs; (ii) Student RCLs that were opened prior to the Promotional Period; (iii) Student RCLs held by individuals who have already completed their studies (as applicable), even if their Student RCL remains open during or after the Promotional Period; (iv) Student RCLs held or opened by individuals enrolled in programs of study other than an eligible general or professional programs or Medical or Dental Program (as described above).

If you qualify to receive the benefit of this Promotional Offer, the amount you qualify to receive, as applicable, will be deposited into your eligible RBC Canadian dollar Personal Banking Account between up to within twelve (12) weeks of your Student RCL activation date (no action required from you). In order to receive the amount for which you have qualified, you must have or open, and maintain in good standing, an active Canadian dollar personal banking account with Royal Bank of Canada. If you do not have such an account as of the date we attempt to deposit the benefit of this Promotional Offer, you will forfeit this amount and be deemed to have not qualified for the Promotional Offer.

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

If you’re looking to move your existing student line of credit from another financial institution to Royal Bank of Canada, we’re here to support you every step of the way. We strongly encourage you to close your existing student line of credit with your current provider to avoid managing multiple active lines of credit, which could impact your financial situation and credit score. Our RBC credit advisors are available to provide personalized guidance, helping you understand the benefits of consolidating your credit and how it may affect your overall financial profile.

legal disclaimer

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.

legal disclaimer

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%.

legal disclaimer

14)

The Bonus Interest Rate on June 12, 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 June 12, 2026 and 3:00 PM EST on October 27, 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 June 12, 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 June 12, 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. 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/junehisa26.

legal disclaimer

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.

legal disclaimer

16)

Offer available June 2, 2026 to November 2, 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 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 is $50 with an RBC Leo’s Young Savers Account^®. This account type is intended for clients age 0-12 years.

To receive the $50 Bonus, you must open your new Eligible Personal Banking Account by 9:00 PM on November 2, 2026 and deposit a minimum of $50 into the Eligible Personal Banking Account by 9:00 PM ET on November 30, 2026.

The Bonus will be deposited into your Eligible Personal Banking Account within 8 weeks of completing the Qualifying Criteria 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/leo50.

legal disclaimer

17)

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.

legal disclaimer

20)

Additional service fees by any intermediary and receiving bank may apply.

legal disclaimer

21)

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.

legal disclaimer

22)

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.

legal disclaimer

23)

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.

legal disclaimer

24)

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.

legal disclaimer

25)

With the “GoSmart $100” offer (the ‘Offer’), you could receive a cash reward of C$100 when you open your first GoSmart Account(s) with RBC Direct Investing.

To qualify, you must -

• Open your first GoSmart account(s) with RBC Direct Investing between August 4, 2026, and November 2, 2026, (inclusive) by scanning the QR code for the Offer or following a promotional link for the Offer.
• Contribute a minimum of C$2,000 (Two Thousand Canadian Dollars) to your new GoSmart account(s) by February 2, 2027.
• Be a Canadian resident and at least the age of majority in your province/territory at the time of opening your first GoSmart account.

You will receive the C$100 cash reward in your first GoSmart account within 7 (Seven) days of meeting the above qualification criteria. This Offer is exclusively for GoSmart accounts, but may be combined with other RBC Direct Investing promotions. Additional terms and conditions may apply to opening an account with RBC Direct Investing (including a GoSmart Account) which include, without limitation, the requirements set forth in RBC Direct Investing’s Operation of Account Agreement. This Offer may be modified, restricted, withdrawn or extended at any time without notice at the sole discretion of RBC Direct Investing and is subject to the full terms and conditions of the Offer.

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.

legal disclaimer

26)

Lossless audio available up to 24-bit/192 kHz.

29)

Apple Music:

New subscribers only. $10.99/month after trial. Offer is available for new Apple Music subscribers with a new eligible device for a limited time only. Offer redemption for eligible audio devices requires connecting or pairing to an Apple device running the latest iOS or iPadOS. Offer redemption for AirPods 4 requires connecting or pairing to an iPhone running the latest iOS. Offer good for three months after eligible device activation. Only one offer per Apple Account, regardless of the number of eligible devices you purchase. Plan automatically renews until cancelled. Restrictions and other terms apply.

30)

This rating reflects the Apple App Store score as of December 2025 and is subject to change.

31)

Live Nation and Ticketmaster are a registered trademark of Live Nation Canada.

For complete details, including the definition of the terms used in the disclosures below, please see the full Avion Rewards and Ticketmaster Pay with Points Program Terms and Conditions.

To participate in the Ticketmaster Pay with Points Program, you must have an eligible Avion Rewards account that is issued by RBC Royal Bank of Canada (full list of eligible accounts is available at avionrewards.com/ticketmaster-ca-terms(opens external site in new window) (“eligible Avion Rewards account’), be an accountholder of a Ticketmaster account, connect your Avion Rewards and Ticketmaster accounts and accept the Avion Rewards and Ticketmaster Pay with Points Program Terms and Conditions.

legal disclaimer

^® / ^TM

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

legal disclaimer

^‡

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

legal disclaimer

†

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.

legal disclaimer

*

From now until October 28, 2026, connect your Avion Rewards and Ticketmaster Canada accounts to earn 700 Avion points, then redeem your points to enjoy a show you have been waiting for! If you are not already an Avion Rewards member, you must accept the Avion Rewards terms and conditions at www.avionrewards.com in order to join the Avion Rewards program and to access and redeem points earned through this offer. Limit of 1 offer per client. Please see terms and conditions for more details.