Personal Perks You Love. Business Benefits You Need!

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).

ADDITIONAL FEES:

• Cash Advance Fee: $3.50 in Canada and $5.00 outside of Canada
• Dishonoured Payment Fee: $45.00
• Overlimit Fee: $29.00
• Additional Copy Fee: $5 for a monthly statement, $1.50 for a monthly statement update at the ATM, $2 for a transaction receipt that does not relate to the current monthly statement.
• Foreign Currency Transaction Fee: Foreign currency transactions are converted to Canadian dollars at an exchange rate that is 2.5 % over a benchmark rate that Royal Bank of Canada pays on the date of the conversion.

To be eligible for the RBC Avion Visa Infinite Business credit card, you must meet one of the following minimum requirements. You must declare: (i) a minimum annual personal income of $60,000, a minimum annual household income of $100,000, a minimum annual business sales revenue of $500,000, minimum assets under management of $250,000 or more, or (ii) a current annual credit card spend of $30,000 or more. If you do not meet at least one of these minimum requirements or do not qualify for any other reason, Royal Bank of Canada may consider your application for the RBC Avion Visa Business credit card. For complete details on the features of the RBC Avion Visa Infinite Business credit card, please visit rbc.com/avib or call 1-800-769-2520. For complete details on the features of the RBC Avion Visa Business credit card, please visit rbc.com/businessavion or call 1-800-769-2520.

To receive the 25,000 welcome Avion points (“Welcome Points”), your acceptance must be approved by us. The Welcome Points will appear on your first credit card statement after your acceptance has been approved. Only the primary business owner on the account is eligible for the Welcome Points; additional business owner(s) and cardholder(s), as well as existing RBC Avion Visa Infinite Business cardholders as of the offer eligibility period, are not eligible for this offer. This offer may not be combined or used in conjunction with any other offer. Royal Bank of Canada reserves the right to cancel, modify or withdraw this offer at any time, 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 of Canada in its sole discretion.

You will earn (i) 1.25 Avion points for every $1 in net purchases you charge to your credit card, up to a maximum of $75 000 in net purchases per Annual Period, and (ii) 1 Avion point for every $1 in net purchases you charge to your credit card in excess of $75 000 during an Annual Period, unlimited. “Annual Period” means the twelve (12) full monthly statement periods each year, starting with your January monthly statement and ending with your December monthly statement or, if you are a new RBC Avion Visa Infinite Business cardholder, the period starting on the day your card is issued and ending with your December statement. Each year, on the first day of your January monthly statement, your annual net purchase amount, for the purpose of determining your earn rate only, will automatically reset to zero. Please note that monthly statement periods don’t necessarily align with the beginning and end of a calendar month. Avion points are earned on net purchases only; they are not earned on 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 or fees, and credits for returns and adjustments will reduce or cancel the points earned by the amounts originally charged. For more details on the Avion Rewards program, please visit avionrewards.com/terms-and-conditions.

All rewards are subject to availability and may change without prior notice. For complete terms, conditions and restrictions that apply to the Avion Rewards program, please visit: avionrewards.com/terms-and-conditions or call 1-800 ROYAL^® 1-2 (1-800-769-2512).

Terms and conditions apply. For complete details, please visit: avionrewards.com/terms-and-conditions.

The 21-day interest-free grace period represents the number of days between the last day of your monthly statement period and your payment due date. “51 days to pay your suppliers” refers to the maximum number of interest-free days before you must pay your RBC Avion Visa Infinite Business credit card after a purchase is made (based on the 21-day interest-free grace period and a payment term of 30 days). To achieve the full 51 days to pay, you must use your RBC Avion Visa Infinite Business credit card to pay your supplier and the payment must be posted on the first day of your next your monthly statement period.

Primary business cardholders (“Cardholders”) with an RBC Avion Visa Infinite Business credit card (“Eligible Credit Card”) have access to participating lounges within the Visa Airport Companion Program (“Program”), hosted and managed by DragonPass International Ltd. (“DragonPass”). Cardholders must enroll for this benefit either through the Visa Airport Companion App (available to download for free) or on the Program Website (visaairportcompanion.ca) using their Eligible Credit Card. Upon enrollment, Cardholders and their guests can access participating lounges by paying a fee of $32 USD (subject to change) per person, per visit. Applicable lounge access charges will be billed to the Eligible Credit Card connected to the Cardholders’ Program membership. Unless suspended or cancelled, the Program membership will automatically renew annually on the anniversary date (e.g. when the Cardholder enrolled for the Program). The Program membership may be suspended if your Eligible Credit Card is no longer in good standing. To view a full list of participating airport lounges, their facilities, opening times and restrictions, Cardholders can visit the Program App and Website for more information. Cardholders who participate in the Program are subject to the DragonPass Terms of Use, Terms of Service and Privacy Policy and Visa’s Privacy Notice. By enrolling in the Program and using the benefits and offers presented through the Program, the Cardholder acknowledges that DragonPass may share Cardholders’ Program data with Visa and/or Royal Bank of Canada (“RBC”) in order to facilitate the Program, subject to Visa and RBC’s own privacy policies. Other terms and conditions apply. To view the full Terms and Conditions for the Program, please visit the Program App or Website. The Program services and benefits are provided by DragonPass and applicable third party offer providers and neither Visa nor RBC is responsible for any claims or damages arising from participation in the Program. Visa reserves the right to modify or cancel this Program at any time and without prior notice.

There is no fee for the Visa Infinite Business Concierge services, however you are responsible for the cost of goods or services (including any related fees or costs) acquired on your behalf or provided by Visa Infinite Business Concierge. All costs will be charged directly to your RBC Avion Visa Infinite Business account. Royal Bank of Canada is not responsible for the actual performance of any person, company or product made available to you through the Visa Infinite Business Concierge. For complete details, go to www.visainfinite.ca.

Terms and conditions apply. For complete details, please visit: avionrewards.com/terms-and-conditions

To participate in this offer, you must have an RBC debit or credit card which is issued by Royal Bank of Canada (excluding RBC commercial credit cards) (“RBC Card”). RBC Business Clients will only be able to link up to two (2) Business Credit Cards and one Business Debit Card to a Petro-Points card. Any/every/your card means an RBC Card that is linked to a Petro-Points card. A linked RBC Member means you have an RBC debit or credit card issued by Royal Bank of Canada (excluding RBC commercial credit cards) (“RBC Card”) that is linked to a Petro-Points card. You must be enrolled in RBC Online Banking or RBC Mobile app in order to link your RBC Card to your Petro-Points card. Card linking may take up to 2 business days to process before savings and bonus points can be applied to purchases. A Linked RBC Card means an RBC Card linked to a Petro-Points Account. Your Linked RBC Card acts as your Petro-Points card. You will automatically earn Petro-Points when you pay for qualifying purchases with your Linked RBC card at Petro-Canada Locations and you do not need to swipe your Petro-Points card before you pay. You can redeem your Petro-Points at Petro-Canada using your Linked RBC Card. Each time you use your Linked RBC Card to purchase any grade of gasoline, or diesel, at a Petro-Canada Location, you will save three cents ($0.03) per litre at the time of the transaction.

Each time you use your Linked RBC Card to pay for qualifying purchases at a Petro-Canada Location, you will earn a bonus of twenty percent (20%) more Petro-Points than you normally earn, in accordance with the Petro-Points terms and conditions available at http://www.petro-points.com/terms. Petro-Points are not awarded on tobacco products, vaping products, gift cards, transit tickets and taxes on non-petroleum purchases.

Only certain RBC credit cards earn Avion points. Each time you use your Linked RBC Card that earns Avion points to pay for purchases at a Petro-Canada Location, you will earn a bonus of twenty percent (20%) more Avion Rewards points than you normally earn for every $1 in purchases in accordance with the Avion Rewards Terms and Conditions. Please allow up to ninety (90) days from the date the transaction is posted on your credit card statement for the bonus points to be deposited into Avion Rewards account.

All insurance is subject to limitations and exclusions. Please refer to the insurance certificates included in your Welcome Kit for complete details.

Coverage underwritten by Aviva General Insurance Company in the Province of Quebec and by RBC Insurance Company of Canada in the rest of Canada.

Coverage underwritten by RBC Insurance Company of Canada.