¹ In order to receive the 15,000 welcome bonus RBC Rewards points offer, your application must be received and approved by us within the offer eligibility dates of March 1 to August 31, 2009. Supplementary cards, as well as existing RBC Royal Bank Visa Platinum Avion, RBC Visa Infinite Avion, RBC^® British Airways Visa Infinite^‡, RBC Cathay Pacific Visa Platinum, RBC Royal Bank RBC^® Rewards Visa^‡ Preferred and RBC Royal Bank RBC® Rewards Visa‡ Preferred cardholders as of the offer eligibility dates, are not eligible for this offer. Upon enrolment, 15,000 welcome bonus points will appear on your first Visa statement. This offer may not be used in conjunction with or combined with any other offer. Avion Air Travel Rewards redemptions from the Avion Air Travel Redemption Schedule are for economy class seats only and start at 15,000 points for a short-haul flight. For general redemption terms, conditions and restrictions, visit the RBC Rewards Avion Terms and Conditions section at www.rbcrewards.com.

² I understand that if I do not qualify for the RBC Royal Bank Visa Platinum Avion card, you may consider my application for the RBC Rewards Visa Classic card which carries the Purchase Security & Extended Warranty Insurance. For details on the features of this card, please click here or call 1-800-ROYAL 1-1.

³ In order to receive the 15,000 welcome bonus RBC Rewards points offer, your application must be received and approved by us within the offer eligibility dates of March 1 to June 30, 2009. Supplementary cards, as well as existing RBC Royal Bank Visa Platinum Avion, RBC Visa Infinite Avion, RBC British Airways Visa Infinite, RBC Cathay Pacific Visa Platinum, RBC Royal Bank RBC^® Rewards Visa^‡ Preferred and RBC Royal Bank RBC® Rewards Visa‡ Preferred cardholders as of the offer eligibility dates, are not eligible for this offer. Upon enrolment, 15,000 welcome bonus points will appear on your first Visa statement. This offer may not be used in conjunction with or combined with any other offer. Avion Air Travel Rewards redemptions from the Avion Air Travel Redemption Schedule are for economy class seats only and start at 15,000 points for a short-haul flight. For general redemption terms, conditions and restrictions, visit the RBC Rewards Avion Terms and Conditions section at www.rbcrewards.com.

⁴ I understand that if I do not qualify for the RBC Rewards Visa Gold card, you may consider my application for the RBC Rewards Visa Classic card which carries the Purchase Security & Extended Warranty Insurance. For details on the features of this card, please click here or call 1-800-ROYAL 1-1.

In order to receive the 1,000 bonus RBC Rewards points offer, your application must be received and approved by us within the offer eligibility dates of September 1, 2008 to March 31, 2009. Existing RBC Rewards Visa Gold and RBC Rewards Visa Classic cardholders as of the offer eligibility dates are not eligible for this offer. Upon enrolment, 1,000 bonus RBC Rewards points will appear on your first Visa statement. This offer may not be used in conjunction with or combined with any other offer.

⁵ In order to receive the 1,000 bonus RBC Rewards points offer, your application must be received and approved by us within the offer eligibility dates of September 1, 2008 to March 31, 2009. Existing RBC Rewards Visa Gold and RBC Rewards Visa Classic cardholders as of the offer eligibility dates are not eligible for this offer. Upon enrolment, 1,000 bonus RBC Rewards points will appear on your first Visa statement. This offer may not be used in conjunction with or combined with any other offer.

⁶ In order to receive the 10,000 bonus Asia Miles offer, your application must be received and approved by us within the offer eligibility dates of July 29, 2009 to August 31, 2009. The 10,000 bonus Asia Miles will be credited to your Asia Miles account within 8 weeks upon card issuance.

⁷ The Introductory Rate (applicable to cash advances including balance transfers and Visa Cheques) of 1.9% per annum takes effect upon approval of your application, and remains in effect through the first 9 monthly Visa Statement billing periods (approximately 9 months from account open date) but ends if any minimum payments are not made as required. Thereafter, any remaining balances will be subject to the interest rate as shown on your monthly Visa statement. See your Cardholder Agreement for details upon receipt.

⁸ In order to receive the Introductory Rate offer, your application must be received and approved by us within offer eligibility dates of July 3, 2008 to September 25, 2008.

⁹ The Introductory Rate (applicable to cash advances including balance transfers and Visa Cheques) of 1.9% per annum takes effect upon approval of your application, and remains in effect through the first 9 monthly Visa Statement billing periods (approximately 9 months from account open date) but ends if any minimum payments are not made as required. See your Cardholder Agreement for details upon receipt.

¹⁰ In order to receive the Introductory Rate offer, your application must be received and approved by us within offer eligibility dates of August 14, 2008 to September 30, 2008.

¹¹ The Introductory Rate (applicable to cash advances including balance transfers and Visa Cheques) of 1.9% per annum takes effect upon approval of your application, and remains in effect through the first 9 monthly Visa Statement billing periods (approximately 9 months from account open date) but ends if any minimum payments are not made as required. See your Cardholder Agreement for details upon receipt.

¹² In order to receive the Introductory Rate offer, your application must be received and approved by us within offer eligibility dates of November 12, 2008 to February 10, 2009.

¹³ The Introductory Rate (applicable to cash advances including balance transfers and Visa Cheques) of 1.9% per annum takes effect upon approval of your application, and remains in effect through the first 9 monthly Visa Statement billing periods (approximately 9 months from account open date) but ends if any minimum payments are not made as required. See your Cardholder Agreement for details upon receipt.

¹⁴ In order to receive the Introductory Rate offer, your application must be received and approved by us within offer eligibility dates of November 12, 2008 to February 10, 2009.

¹⁵ The Introductory Rate (applicable to cash advances including balance transfers and Visa Cheques) of 1.9% per annum takes effect upon approval of your application, and remains in effect through the first 9 monthly Visa Statement billing periods (approximately 9 months from account open date) but ends if any minimum payments are not made as required. See your Cardholder Agreement for details upon receipt.

¹⁶ In order to receive the Introductory Rate offer, your application must be received and approved by us within offer eligibility dates of November 12, 2008 to February 10, 2009.

¹⁷ The Introductory Rate (applicable to cash advances including balance transfers and Visa Cheques) of 1.9% per annum takes effect upon approval of your application, and remains in effect through the first 9 monthly Visa Statement billing periods (approximately 9 months from account open date) but ends if any minimum payments are not made as required. See your Cardholder Agreement for details upon receipt.

¹⁸ In order to receive the Introductory Rate offer, your application must be received and approved by us within offer eligibility dates of November 12, 2008 to February 10, 2009.

¹⁹ The Introductory Rate (applicable to cash advances including balance transfers and Visa Cheques) of 1.9% per annum takes effect upon approval of your application, and remains in effect through the first 9 monthly Visa Statement billing periods (approximately 9 months from account open date) but ends if any minimum payments are not made as required. See your Cardholder Agreement for details upon receipt.

²⁰ In order to receive the Introductory Rate offer, your application must be received and approved by us within offer eligibility dates of November 12, 2008 to February 10, 2009.

²¹ In order to benefit from this special offer, your application must be received and approved by us with the eligibility dates of November 12, 2008 and February 10, 2009.

²² The Introductory Rate (applicable to cash advances including balance transfers and Visa Cheques) of 3.9% per annum takes effect upon approval of your application, and remains in effect through the first 6 monthly Visa Statement billing periods (approximately 6 months from account open date) but ends if any minimum payments are not made as required. See your Cardholder Agreement for details upon receipt.

²³ In order to receive the Introductory Rate offer, your application must be received and approved by us within offer eligibility dates of February 12, 2009 to May 13, 2009.

²⁴ The special annual interest rate offer of 1.9% for 9 months is applicable to cash advances, including cash withdrawals from a bank branch, an ATM, via telephone or via RBC Royal Bank Online Banking with your RBC Royal Bank Visa card, and use of RBC Royal Bank Visa cheques. You can also take advantage of this offer when you transfer a balance by calling 1-800 ROYAL^® 1-2. All other account activities are subject to the standard account annual interest rate as shown on your Visa statement. A cash withdrawal from a bank branch, an ATM, via telephone or via RBC Royal Bank Online Banking with your RBC Royal Bank Visa card, and use of a Visa cheque or a balance transfer, is charged to your Visa account as a cash advance and is subject to interest charged from the day it is posted until the balance is paid in full. The special annual interest rate takes effect upon approval of your application, and remains in effect through the first 9 monthly Visa Statement billing periods (approximately 9 months from account open date). At the expiration of the offer, the special annual interest rate, applicable to any cash advances with your RBC Royal Bank Visa card, use of Visa cheques and balance transfers, will revert to the standard account annual interest rate as shown on your monthly Visa statement, and any remaining balances will also be subject to this annual interest rate. After applying payments first to interest and then to fees, your payments will be applied to balances with lower interest rates, including balances subject to special annual interest rates, before balances with higher interest rates. If you do not make your Minimum Payment by your Payment Due Date, and if this remains unpaid by the first date of your next Visa statement period, you will lose the benefit of this and any other special annual interest rate offers in which you are participating. If the use of a Visa cheque exceeds your Visa account's available credit limit, it will be declined and a $40 NSF/dishonoured Visa cheque fee will be charged to your Visa account. As with any cash advances, the use of a Visa cheque or a balance transfer does not qualify for RBC Rewards^® points or partner rewards. Visa cheques and balance transfers may not be used to pay any RBC Royal Bank Visa account or used for pre-authorized payments. Please call customer service for up-to-date information on your account. Your RBC Royal Bank Visa Agreement explains the terms under which you use your RBC Royal Bank Visa card. Please refer to it for full details.

²⁵ In order to receive the Introductory Rate offer, your application must be received and approved by us within offer eligibility dates of April 1, 2009 to July 1, 2009.

²⁶ The special annual interest rate offer of 2.9% for 9 months is applicable to cash advances, including cash withdrawals from a bank branch, an ATM, via telephone or via RBC Royal Bank Online Banking with your RBC Royal Bank Visa card, and use of RBC Royal Bank Visa cheques. You can also take advantage of this offer when you transfer a balance by calling 1-800 ROYAL^® 1-2. All other account activities are subject to the standard account annual interest rate as shown on your Visa statement. A cash withdrawal from a bank branch, an ATM, via telephone or via RBC Royal Bank Online Banking with your RBC Royal Bank Visa card, and use of a Visa cheque or a balance transfer, is charged to your Visa account as a cash advance and is subject to interest charged from the day it is posted until the balance is paid in full. The special annual interest rate takes effect upon approval of your application, and remains in effect through the first 9 monthly Visa Statement billing periods (approximately 9 months from account open date). At the expiration of the offer, the special annual interest rate, applicable to any cash advances with your RBC Royal Bank Visa card, use of Visa cheques and balance transfers, will revert to the standard account annual interest rate as shown on your monthly Visa statement, and any remaining balances will also be subject to this annual interest rate. After applying payments first to interest and then to fees, your payments will be applied to balances with lower interest rates, including balances subject to special annual interest rates, before balances with higher interest rates. If you do not make your Minimum Payment by your Payment Due Date, and if this remains unpaid by the first date of your next Visa statement period, you will lose the benefit of this and any other special annual interest rate offers in which you are participating. If the use of a Visa cheque exceeds your Visa account's available credit limit, it will be declined and a $40 NSF/dishonoured Visa cheque fee will be charged to your Visa account. As with any cash advances, the use of a Visa cheque or a balance transfer does not qualify for RBC Rewards^® points or partner rewards. Visa cheques and balance transfers may not be used to pay any RBC Royal Bank Visa account or used for pre-authorized payments. Please call customer service for up-to-date information on your account. Your RBC Royal Bank Visa Agreement explains the terms under which you use your RBC Royal Bank Visa card. Please refer to it for full details.

²⁷ In order to benefit from this special offer, your application must be received and approved by us within offer the eligibility dates of February 12, 2009 and May 13, 2009.

²⁸ The special annual interest rate offer of 2.9% for 9 months is applicable to cash advances, including cash withdrawals from a bank branch, an ATM, via telephone or via RBC Royal Bank Online Banking with your RBC Royal Bank Visa card, and use of RBC Royal Bank Visa cheques. You can also take advantage of this offer when you transfer a balance by calling 1-800 ROYAL^® 1-2. All other account activities are subject to the standard account annual interest rate as shown on your Visa statement. A cash withdrawal from a bank branch, an ATM, via telephone or via RBC Royal Bank Online Banking with your RBC Royal Bank Visa card, and use of a Visa cheque or a balance transfer, is charged to your Visa account as a cash advance and is subject to interest charged from the day it is posted until the balance is paid in full. The special annual interest rate takes effect upon approval of your application, and remains in effect through the first 9 monthly Visa Statement billing periods (approximately 9 months from account open date). At the expiration of the offer, the special annual interest rate, applicable to any cash advances with your RBC Royal Bank Visa card, use of Visa cheques and balance transfers, will revert to the standard account annual interest rate as shown on your monthly Visa statement, and any remaining balances will also be subject to this annual interest rate. After applying payments first to interest and then to fees, your payments will be applied to balances with lower interest rates, including balances subject to special annual interest rates, before balances with higher interest rates. If you do not make your Minimum Payment by your Payment Due Date, and if this remains unpaid by the first date of your next Visa statement period, you will lose the benefit of this and any other special annual interest rate offers in which you are participating. If the use of a Visa cheque exceeds your Visa account's available credit limit, it will be declined and a $40 NSF/dishonoured Visa cheque fee will be charged to your Visa account. As with any cash advances, the use of a Visa cheque or a balance transfer does not qualify for RBC Rewards^® points or partner rewards. Visa cheques and balance transfers may not be used to pay any RBC Royal Bank Visa account or used for pre-authorized payments. Please call customer service for up-to-date information on your account. Your RBC Royal Bank Visa Agreement explains the terms under which you use your RBC Royal Bank Visa card. Please refer to it for full details.

²⁹ In order to benefit from this special offer, your application must be received and approved by us within offer the eligibility dates of April 1, 2009 and July 1, 2009.

³⁰ The special annual interest rate offer of 3.9% for 9 months is applicable to cash advances, including cash withdrawals from a bank branch, an ATM, via telephone or via RBC Royal Bank Online Banking with your RBC Royal Bank Visa card, and use of RBC Royal Bank Visa cheques. You can also take advantage of this offer when you transfer a balance by calling 1-800 ROYAL^® 1-2. All other account activities are subject to the standard account annual interest rate as shown on your Visa statement. A cash withdrawal from a bank branch, an ATM, via telephone or via RBC Royal Bank Online Banking with your RBC Royal Bank Visa card, and use of a Visa cheque or a balance transfer, is charged to your Visa account as a cash advance and is subject to interest charged from the day it is posted until the balance is paid in full. The special annual interest rate takes effect upon approval of your application, and remains in effect through the first 9 monthly Visa Statement billing periods (approximately 9 months from account open date). At the expiration of the offer, the special annual interest rate, applicable to any cash advances with your RBC Royal Bank Visa card, use of Visa cheques and balance transfers, will revert to the standard account annual interest rate as shown on your monthly Visa statement, and any remaining balances will also be subject to this annual interest rate. After applying payments first to interest and then to fees, your payments will be applied to balances with lower interest rates, including balances subject to special annual interest rates, before balances with higher interest rates. If you do not make your Minimum Payment by your Payment Due Date, and if this remains unpaid by the first date of your next Visa statement period, you will lose the benefit of this and any other special annual interest rate offers in which you are participating. If the use of a Visa cheque exceeds your Visa account's available credit limit, it will be declined and a $40 NSF/dishonoured Visa cheque fee will be charged to your Visa account. As with any cash advances, the use of a Visa cheque or a balance transfer does not qualify for RBC Rewards^® points or partner rewards. Visa cheques and balance transfers may not be used to pay any RBC Royal Bank Visa account or used for pre-authorized payments. Please call customer service for up-to-date information on your account. Your RBC Royal Bank Visa Agreement explains the terms under which you use your RBC Royal Bank Visa card. Please refer to it for full details.