Services Beyond Banking

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

MONERIS is a registered trademark of Moneris Solutions Corporation.

Petro-Canada is a Suncor business. Trademark of Suncor Energy Inc. Used under licence.

Trademarks of Sherweb Inc.

Ownr™ is a trademark used under license.

PayPlan by RBC financing is provided by RBC Ampli Inc.

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For sole proprietorship registration "$100 back" offer is inclusive of any applicable taxes, and for incorporation, "$300 back" offer is inclusive of any applicable taxes ("Offer"). Offer available when you register or incorporate with Ownr and apply and get approved for a new RBC business deposit account associated with the business registered or incorporated with Ownr ("BDA") within 60 days ("Application Criteria"). Royal Bank of Canada (not Ownr or RBC Ventures Inc.) will in its discretion make approval decisions for all BDA applications. Once you complete the Application Criteria, you must log back into your Ownr account and click 'Refund Me'. You will receive the Offer as a credit in your BDA within 7-10 business days of clicking 'Refund Me'. To qualify for this Offer your BDA must remain open for a period of 1 year from the date it is opened but there is no minimum balance that must be maintained in your BDA. If you received this Offer then change or close your BDA within 1 year of the date it was opened, we reserve the right to debit from your BDA an amount equal to the value of this Offer (inclusive of applicable taxes), even if this places the BDA into overdraft. Offer may be revised or withdrawn at any time without notice.

1)

Terms and conditions apply. $500 based on cost of 4 months free payroll for the average employee count and customer acquisition value for a new business with RBC. Receive 4 months free payroll when you are referred by RBC by June 30, 2025 and have entered into ADP’s standard form services agreement by July 31, 2025 and process payroll with ADP for 3 consecutive months. Cannot be combined with any other promotions and is only available to new ADP clients in Canada and ADP Clients who have previously only obtained Complimentary Access to ADP HR Assist, in each case that are referred by RBC and have 1-49 employees. Applies only for Small Business Payroll solutions - ADP Workforce Now On the GoSM (including ADP HR AssistSM bundles), and Comprehensive Outsourcing Services. Free payroll processing applies to the recurring payroll processing fees paid by you to ADP. “Recurring payroll processing fees” exclude, without limitation: (i) any underlying payroll funding obligations (wages, taxes, third party remittances); (ii) any fees for official bank cheques, tax or special one-time reports, third-party remittances or cheque stuffing; (iii) Year-end services; (iv) refundable deposits or third party pass-through charges (including delivery charges); (v) direct expenses/charges (e.g. NSF fees); (vi) penalties and interest; (vii) fees for shipping, delivery and installation of equipment or software, custom programming, the sale or leasing of equipment or software, or maintenance; and (viii) income derived from the float. ADP reserves the right to discontinue or modify this promotion at any time.

ADP HR Assist and ADP Workforce Now On the Go are service marks of ADP, INC.

^® / ™ Trademark(s) of ADP. All other marks are the property of their respective owners. Services referenced herein are provided by ADP Canada Co. ADP Canada Co. is not a member of RBC Financial Group or RBC.

2)

To participate in this offer, you must have an eligible RBC debit or credit card which is issued by Royal Bank of Canada (excluding RBC Commercial Avion, RBC Commercial U.S. Dollar Visa, RBC Commercial Cash Back Visa, and RBC Commercial Visa) (“Eligible RBC Card”). When you participate in the Linked Loyalty Program as an RBC business client, you will only be able to link up to two (2) Eligible RBC Cards that are business credit cards and one (1) Eligible RBC Card that is a debit card to a Petro-Points card. Card linking may take up to 2 business days to process before savings and bonus points can be applied to purchases.

3)

Each time you use your linked Eligible RBC Card to purchase any grade of gasoline, including diesel, at a Retail Petro-Canada Location, you will save three cents ($0.03) per litre at the time of the transaction

4)

This offer is not transferrable. You will receive three (3) free Local Deals (valued at approximately $1,625 - exact value is dependent on the number of neighbours within a 10km radius of the business) (collectively, “Offer”). “RBC Business Clients” are RBC clients who have an RBC business bank account or an RBC business credit card (excluding RBC commercial credit cards). Offer is valid for the first 3 months from the date of sign-up. The Local Deal is a way for businesses to share deals and offers. RBC Business Clients must either sign up with Nextdoor via the Offers for Business platform or if they who have an existing business account with Nextdoor must email Nextdoor at the email address provided in the offer terms in the Offers for Business platform using their email associated with their business account for Nextdoor in order to receive the Offer. Offer must be activated before July 31^st, 2023. Offer will be applied to your Nextdoor business account within 48 hours after the initial Nextdoor business account sign-up via Offers for Business or for RBC Business Clients with an existing business account with Nextdoor upon email receipt.

For more information on Local Deals, please visit: https://help.nextdoor.com/s/article/Offers-rules-best-practices-official?language=en_CA (opens to external site).

Nextdoor Canada Ltd, and not Royal Bank of Canada, is responsible for the terms and conditions applicable to this offer.

5)

This offer is only available to Royal Bank of Canada (RBC) business clients and Group Advantage sponsors and is non-transferable. RBC business clients will receive complimentary access to the GrantMatch Funding Assessment and Strategy Tool (FAST). RBC business clients who wish to access the FAST more than once must contact GrantMatch directly. Upon completing a FAST assessment, RBC business clients can get access to preferred pricing (which is a 20% discount from GrantMatch’s standard pricing) for: (1) GrantMatch grant writing services (where GrantMatch personnel will assist with the completion and submission of a grant application at an hourly rate of $175), or (2) GrantMatch Premium (where a GrantMatch Funding Specialist will assist in developing a long-term grant strategy, offer guidance on the grant application process, and, if a grant is awarded, will assist with reporting and compliance requirements), and/or (3) the GrantMatch Hub platform (at an annual subscription rate of $240 per year) (“Offer”). Preferred pricing for GrantMatch Premium consists of a retainer fee plus percentage-fee model, which is based on a percentage of approved funding: Up to $250,000 = 20% fee (of the first $250,000 of approved funding); Between $250,000 - $499,999 = 16% (of approved funding); Between $500,000 - $999,999 = 12% (of approved funding); More than $1M = 8% (of approved funding). The retainer fee is determined based on the annual revenue of the organization, either above or below $100M. Clients will be required to pay a retainer of $2,000 ($8,000 above $100M in annual revenue), consisting of $1,000 ($4,000 above $100M in annual revenue) for onboarding to the GrantMatch Platform, and $1,000 ($4,000 above $100M in annual revenue) for the license to the GrantMatch Platform (due annually), payable upon execution of a service agreement. Preferred pricing does not include HST. This Offer is valid from October 1, 2024, to October 31, 2025. GrantMatch Corp., not Royal Bank of Canada, is responsible for all terms and conditions applicable to your GrantMatch services, which are available at: https://ca.grantmatch.com/gm-terms-of-use-ca. Offers described above may not be combined or used in conjunction with any other offer(s). GrantMatch and RBC each reserve the right to discontinue or modify this Offer at any time.

6)

Ownr^TM is not a law firm and does not provide legal advice or legal services. We provide self-help services at your specific direction.

7)

Insights provided by RBC, in electronic or paper form, (“Insights”) are for general guidance and informational purposes only. Insights are not intended to provide specific financial, investment, tax, legal, accounting or other advice, and they should not be relied on for any such advice. Not all guidance contained in Insights will be appropriate in all cases. Royal Bank of Canada does not offer guarantees of any kind, and is not responsible in any way for the content of Insights including opinions, information and resources offered. Royal Bank of Canada does not make any express or implied warranties or representations with respect to any Insights. Royal Bank of Canada will not be liable for any losses or damages arising from any errors or omissions in any information in Insights, or arising from any action or decision made by you in reliance on any Insights. Before implementing any strategy, you should speak to a professional advisor and create a plan that is designed to suit your requirements.

8)

Insight Edge for Small Business is only available for retail businesses in Canada that accept debit and credit card payments from customers.

9)

Applicable taxes will be charged on the monthly subscription fee. The fee will be debited on the fourth business day of each month from the RBC business deposit account designated by you at registration. The fee will be prorated during your first month of subscription, depending on when you subscribe. You may cancel your RBC Insight Edge subscription at any time directly in the tool. If you cancel your subscription, the cancellation will be effective at the end of the month in which you cancel. You will continue to have access to RBC Insight Edge until the end of the month of cancellation, and you will be charged the fee for your last full month on the fourth business day of the following month.

10)

This offer is non-transferable. This offer and its associated terms and conditions are provided by helloDarwin, not Royal Bank of Canada (“RBC”), and are available at: https://hellodarwin.com/terms-of-service.
To take advantage of this offer, click the link in this offer. Under the “How it works” tab, select “For Freelancers & Agencies” and register to become a service provider to start receiving curated leads. A representative from helloDarwin will reach out to you. helloDarwin has agreed to provide you an exclusive discount of 30% off the monthly fee for the first year. helloDarwin has agreed you may cancel the subscription at any time without penalty. Monthly fee packages include Studio $100/month, Kick-Start $250/month, and Growth $500/month.
This offer cannot be combined with any other offers. Offer may be amended or withdrawn at any time. For more details on the Offers program, please visit rbc.com/offers.

11)

This offer is non-transferable. This offer and its associated terms and conditions are provided by helloDarwin, not Royal Bank of Canada (“RBC”), and are available at: https://hellodarwin.com/terms-of-service.
To take advantage of this offer, click the link in this offer to fill out the form which outlines your business and project details and a representative from helloDarwin will reach out to you. helloDarwin has agreed to provide an exclusive discount of 100% off the Nominal Fee. The Nominal Fee is set at 1.5% of the total cost of the project. Where the Premium service discount is available, a Nominal Fee of 0.75% of the total cost of the project will be charged.
This offer cannot be combined with any other offers. Offer may be amended or withdrawn at any time. For more details on the Offers program, please visit rbc.com/offers.

12)

This offer is not transferable. This offer, all software solutions and their associated terms and conditions are provided by Sherweb, not Royal Bank of Canada (“RBC”). Sign in to see the full terms and conditions offered by Sherweb. The offers contained in this document are available for RBC clients only. Subject to client acceptance of any applicable terms and conditions related to Sherweb and/or listed vendor offerings. Offers are subject to change at any time.

13)

This offer is only available to Royal Bank of Canada (RBC) business clients and is non-transferable. To take advantage of this offer, please visit the link in the offer and book a consultation with a Koblat.io cyber security advisor. Through the consultation, Kobalt.io will assess your business needs and offer recommendations on available services Kobalt.io shall provide RBC business banking clients with a 10% discount (before tax) on all one-time Kobalt.io Services Kobalt.io shall provide RBC business banking clients with a 10% discount on their subscription for the first year of the term provided for in the applicable Provider and Client Agreement. After the first year of a subscription service, you will automatically be converted to a monthly subscription service. RBC business clients must cancel the service no later than 30 days prior to their next invoice date to avoid being charged the regular monthly fee. RBC business clients will not incur any early termination fee or penalty of any kind. Kobalt.io not Royal Bank of Canada, is responsible for all terms and conditions, which are available at: https://kobalt.io/terms/. Offer may not be combined or used in conjunction with any other offer(s). Kobalt.io and RBC each reserve the right to discontinue or modify this Offer at any time. Offer ends April 22, 2025.