Terms and Conditions - Signature RBC Rewards Visa

^® / ^™ Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.

^† Avion points are earned on net purchases only; they are not earned on cash advances (including RBC Royal Bank credit card cheques, 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.

^†† If the previous New Balance was not paid in full by the Payment Due Date, your Payment Due Date will be extended to 25 days from the last day of your credit card statement period regardless of the type of credit card you hold.

^‡ All other trademarks are the property of their respective owner(s). Registered trademarks of WestJet Airlines Ltd. WestJet dollars is a registered trademark of WestJet Airlines Ltd.

^˜ Trademark of D+H. The FirstReport-ID services are provided by D+H Limited Partnership^©; they, not RBC Royal Bank, are responsible for the program.

^§ Bonus points are Avion points earned on purchases made at retailers linked from the Avion Rewards eMall and are in addition to standard Avion points you earn per dollar when you make a purchase with your Avion Rewards credit card. One bonus point is earned per dollar based on the price of eligible goods and services purchased (CAD$1.00 = 1 bonus Avion point) and is not earned on taxes, duties, shipping and handling, any special services and on any other exclusions specified in the offer. The list of participating retailers and offers is subject to change without notice. Participating retailers, not Royal Bank of Canada, establish the rules for each bonus points offer. Details on participating retailers and the rules for each bonus points offer, including how the bonus points are earned and when the offer expires, can be found in Avion Rewards eMall. For complete terms and conditions visit www.avionrewards.com.

* As a sole or joint owner of an RBC Signature No Limit Banking (SNL) account and the primary Signature RBC Rewards Visa cardholder, the $39 annual fee of your Signature RBC Rewards Visa card will be fully rebated, every year, as long as your eligible credit card remains in good standing and you remain an SNL account owner. Additional cardholders (co-applicants and authorized users) do not qualify for the annual fee rebate, even if they are also owners of an SNL account. Only one credit card annual fee rebate per SNL account is allowed. Other conditions and restrictions apply. Royal Bank of Canada reserves the right to withdraw this offer at any time, even after acceptance by you.

** All rewards are subject to availability. Point redemption values may fluctuate. Reward shipping (by basic prepaid delivery service), handling and taxes are included with your redemption. For complete terms, conditions and restrictions that apply to the Avion Rewards program, as well as for current point redemption values, please visit: www.avionrewards.com or call 1-800 ROYAL^® 1-2 (1-800-769-2512).

1) Coverage underwritten by RBC General Insurance Company.

2) Coverage underwritten by RBC Insurance Company of Canada.

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

4) Coverage underwritten by RBC Insurance Company of Canada.

5) The BalanceProtector Premiere plan is creditor's group insurance underwritten by Assurant Solutions and provided to eligible RBC Royal Bank credit card cardholders. Assurant Solutions is the trade name for the Canadian Branches of American Bankers Life Assurance Company of Florida and American Bankers Insurance Company of Florida.

6) Underwritten by RBC Insurance Company of Canada. In Quebec, certain coverages underwritten by RBC General Insurance Company.

RBC Road Assist services are provided by Dominion Automobile Association. Member accounts are administered by D+H Limited Partnership, an independent third party service provider. Royal Bank of Canada and its affiliates accept no liability in respect of these services.

All insurance is subject to limitations and exclusions. Please refer to the insurance certificates for complete details.