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On Both Sides Of The Border

Legal Disclaimer**

RBC Bank, Equal Housing Lender Member FDIC.
RBC Bank is RBC Bank (Georgia), National Association ("RBC Bank"), a wholly owned U.S. banking subsidiary of Royal Bank of Canada. RBC Bank is a member of the U.S. Federal Deposit Insurance Corporation (“FDIC”). U.S. deposit accounts are insured by the FDIC up to the maximum amount permissible by law. U.S. deposit accounts are not insured by the Canada Deposit Insurance Corporation (“CDIC”). U.S. banking products and services are offered and provided by RBC Bank. Canadian banking products and services are offered and provided by Royal Bank of Canada. All deposit accounts, loans and lines of credit are approved by RBC Bank. RBC Bank - 8081 Arco Corporate Dr, Suite 400. Raleigh, NC 27617. www.rbcbank.com

Legal Disclaimer1)

Offer period is January 1, 2024 through October 31, 2025 (“Offer Period”). Offer is available for clients who open a new RBC Day to Day Banking account. To qualify, clients must open an RBC Day to Day Banking account and be a new RBC Bank client, defined as an individual who has not been a primary or secondary account holder on any RBC Bank (U.S.) checking account for the 18 months prior to the start of the Offer Period (“Eligible Personal Client”). Eligible Personal Client must open a new RBC Bank personal checking account and have or apply for an RBC Bank credit card at the same time before the end of the Offer Period. Checking account and credit card application must have the same accountholder(s) on both accounts. For eligible clients, the RBC Day to Day Banking account monthly fee of $4 will be waived for the first twelve (12) months upon account opening of the RBC Day to Day Banking account, plus RBC Bank will waive the checking monthly or annual fee for 1 year from account open date (“Offer”). All other terms and conditions continue to apply, including funding requirements and other applicable fees.  Fees on all other RBC Bank products continue to apply, including fees on the RBC Bank Visa Signature Black Plus credit card. Offer cannot be combined with any other RBC Bank offers. Employees of Royal Bank of Canada do not qualify for this offer. Offer is available only during the Offer Period. Offer can be changed or withdrawn at any time. Only one offer per Eligible Personal Client. For complete offer details, including defined terms, please visit http://www.rbcroyalbank.com/dms/cross-border-banking/_assets-custom/includes/terms-and-conditions.html (Opens in new window)

Legal Disclaimer^)

Standard account charges may apply. Maximum transaction limits may apply and are subject to change. Availability of the money will depend on the time when it is sent from Royal Bank of Canada or RBC Bank. Transaction may not appear on your RBC Bank account transaction history until the following day but will reflect the date of transfer.

Legal Disclaimer†)

There is no fee associated with accessing these ATMs but standard account charges and transaction limitations will apply. If you access ATMs other than those identified in our ATM locator (www.rbcbank.com/atms) fees may apply. During the process, you will be notified of the fee and will be required to accept the fee if you desire to complete the transaction. For fee information, refer to the Personal Schedule of Fees for details.

Legal Disclaimer2)

All loans and lines of credit are subject to approval. Additional credit card transaction fees will apply as follows: Balance Transfers – Either $10 or 3% of the amount of each transfer, whichever is greater (after the end of the introductory period, the maximum fee is $99). The Balance Transfer fee has no maximum during the introductory period (first 6 monthly billing cycles); thereafter, this fee will be a maximum of $99 per Balance Transfer. Cash Advances – Either $5 or 3.5% of the amount of each Cash Advance, whichever is greater. While there are no foreign transaction fees for purchases in the U.S. or in USD, there may be foreign transaction fees for purchases conducted in a foreign currency. RBC Bank Foreign Transaction Fees: Visa Signature Black - 1.5% of the U.S. dollar amount of the transaction, Visa Signature Black Plus - Foreign transaction fee does not apply, Visa Platinum - 3.0% of the U.S. dollar amount of the transaction. Late Payment Fee – up to $35. Returned Payment Fee – up to $35. Annual Fee Visa Signature Black Plus – $75. Annual Percentage Rate is Prime Rate plus a margin between 9.99% and 16.74% for Visa Platinum and Visa Signature Accounts based on your credit worthiness. This APR will vary with the market based on the Prime Rate. Prime Rate: As published in The Wall Street Journal; current rate is 7.50% as of December 19, 2024.

Legal Disclaimer3)

RBC Virtual Visa Debits, Third-party payment Debits, RBC Royal Bank loan payments, RBC Royal Bank mortgage payments, pre-authorized and self-serve RBC Royal Bank credit card payments and contributions to RBC investment accounts (such as GICs, Royal Mutual Funds, Registered Savings Plans, Registered Education Savings Plans, Registered Disability Savings Plans and Tax-Free Savings Accounts) from account are free of charge. All other Debit Transactions are counted as Debit Transactions towards the free monthly Debit Transactions included in the Account, and give rise to an Excess Debit Transaction Fee, if the total free monthly Debit Transactions are exceeded.

Legal Disclaimer4)

There is a limit of 999 free Interac e-Transfer Transactions per Month per Account; for every Interac e-Transfer Transaction over the limit, you will be charged $1.

Legal Disclaimer5)

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 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 Disclaimer6)

When transferring points, points are converted at a 1 to 1 ratio from RBC Bank to Royal Bank of Canada – meaning for every 1 RBC Bank Avion point transferred, you’ll receive 1 RBC Royal Bank of Canada Avion Rewards point. Once points are transferred, points will be guided by the Terms and Conditions of the Avion Rewards program at Royal Bank of Canada. Refer to the Avion Rewards Program Rules for complete terms, conditions and restrictions that apply, or call 1-888-257-6837.

Legal Disclaimer7)

You must enroll as an RBC Bank (U.S.) client to take advantage of these exclusive offers. These offers are subject to their respective terms and conditions which can be accessed upon enrollment. Offers are subject to change and can be withdrawn at any time. These companies are not affiliated with RBC Bank and RBC Bank is not responsible for the offers provided by each company or their respective terms and conditions.

Legal Disclaimer8)

Refer to the Avion Rewards Program Rules provided with your card for details. Avion points are not earned on balance transfers and cash advances.

Legal Disclaimer9)

1.00% cash back from the RBC Bank Visa Signature Black/Visa Platinum Rewards credit cards and 1.25% cash back from the RBC Bank Visa Signature Black Plus credit card can only be redeemed with Avion points.

Legal Disclaimer10)

Debit transaction charges do not include service charges and online fund transfers such as a transfer to a deposit account, a credit card payment and north and south transfers from an RBC Royal Bank account and RBC Bank account in the same name.

Legal Disclaimer11)

While there are no foreign transaction fees for purchases in the U.S. or in USD, there may be foreign transaction fees for purchases conducted in a foreign currency. RBC Bank Foreign Transaction Fees: Visa Signature Black - 1.5% of the U.S. dollar amount of the transaction, Visa Signature Black Plus - Foreign transaction fee does not apply, Visa Platinum - 3.0% of the U.S. dollar amount of the transaction.

Legal Disclaimer12)

All insurance is subject to limitations and exclusions. Insurance products are offered by Visa and are not insured by the FDIC or any federal government agency and are not a deposit or other obligation of, or guaranteed by, any bank or bank affiliate.

Legal Disclaimer13)

Visa's Zero Liability Policy covers U.S. issued cards only and does not apply to commercial credit cards, ATM transactions, or PIN transactions not processed by Visa. Cardholder must notify card issuer promptly of any unauthorized use. Consult issuer for additional details or visit https://www.rbc.com/privacysecurity/ca/index.html.

Legal Disclaimer14)

Subject to the maximum extent permitted by law. Amount of coverage is based on the account balance and account ownership. RBC Bank is a member of the U.S. Federal Deposit Insurance Corporation ("FDIC"). U.S. deposit accounts are insured by the FDIC up to the maximum amount permissible by law. U.S. deposit accounts are not insured by the Canada Deposit Insurance Corporation ("CDIC"). For details visit www.fdic.gov.

Legal Disclaimer15)

Prime Rate: As published in The Wall Street Journal; current rate is 7.50% as of December 19, 2024.

Legal Disclaimer16)

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. You must be enrolled in RBC Online Banking or the 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.

Legal Disclaimer17)

By enrolling an eligible RBC personal bank account into the RBC Value Program, holding eligible additional RBC products ("Product Categories", as more particularly described below), and completing certain activities from your enrolled account each month (as more particularly described below), you may be entitled to receive a partial or full rebate of your enrolled account's standard Monthly Fee. Eligible Product Categories include RBC personal credit cards, personal investments, residential mortgages, and linked small business relationships. Multiple products in a single Product Category will be considered one Product Category. In addition to having eligible Product Categories, you must also perform any two (2) or more of the following specified account activities in the previous calendar month to or from your enrolled account: a monthly direct deposit, a monthly pre-authorized payment, or an eligible bill payment made at minimum once per month. An eligible bill payment means a bill payment completed through either RBC Online Banking, the RBC Mobile app, using an RBC ATM, or using Telephone Banking Services, and excludes any bill payment made: (i) in-person at an RBC Royal Bank branch with an RBC Advisor, (ii) to an RBC credit card account, or (iii) using an RBC Virtual Visa Debit® associated with your Enrolled Account. For complete details, please see the Value Program Terms & Conditions opens in a new window.

Legal Disclaimer18)

Eligible accounts include: RBC VIP Banking, RBC Signature No Limit Banking, RBC Advantage Banking, RBC Day to Day Banking account. You must close the account and apply for the refund or switch to another account within 4 months of account opening or upgrade. Offer limited to one account opening or upgrade per customer per calendar year. Offer may be withdrawn at any time without notice.

Legal Disclaimer19)

Our guarantee to you: We will reimburse you for monetary losses to your Account(s) resulting directly from the following unauthorized transactions on your Account(s) using Digital Banking or Mobile Payments (collectively, Unauthorized Transactions):

• transactions that occur after you notify us that you believe that any of your Passwords may have become known by someone, or that you noticed unusual, suspicious or fraudulent activity on any of your Accounts;
• transactions where it can be shown that you have been a victim of fraud, theft or have been coerced by trickery, force or intimidation, so long as you report the incident to us immediately and cooperate and assist us fully in any investigation;
• transactions resulting from negligent conduct by us, our employees or Third-Party Service Providers;
• Interac Online Payment transactions resulting from negligent conduct by any Third Party participating in Interac Online Payment; and
• any failure, error, malfunction, or technical problem of our system or equipment or that of any Third-Party Service Provider or any Third Party participating in Interac Online Payment.

Your responsibilities: Despite the above, we are not responsible for and we will not reimburse you for losses to your Account(s) if:

• you do not comply with any of your obligations under this Agreement or you do not comply with any instructions we may provide to you in connection with Digital Banking or Mobile Payments;
• you engage in any fraudulent, criminal or dishonest acts related to Digital Banking or Mobile Payments;
• you access Digital Banking or Mobile Payments via a Device that you know or reasonably should know contains software that has the ability to reveal or otherwise compromise any of your Passwords, Personal Verification Questions or an e-Transfer Question and Answer;
• you carry out the transaction, including if the transaction is a result of any mistake, error, omission, inaccuracy or other inadequacy of, or contained in any data or information that you give to us;
• you share any of your Passwords or Personal Verification Questions; or
• you consent to, contribute to or authorize a transaction in any way.

Exceptional Losses: In no event, even if we are negligent, will we be liable for any loss of data, or any indirect, consequential, special, aggravated, punitive or exemplary damages, in whole or in part, (including any business interruption, loss of profits, data, information, opportunity, revenues, goodwill or any other commercial or economic loss), caused to you, regardless of the cause of action, even if we were advised of the possibility of such damages.

For full details regarding the protections and limitations of the RBC Digital Banking Security Guarantee, including your responsibilities in ensuring the safety and security of your transactions, please see your Electronic Access Agreement and your Client Card Agreement for personal banking clients, and the Master Client Agreement for business clients. This guarantee is given by Royal Bank of Canada in connection with its Online and Mobile Banking services. Formerly known as the RBC Online Banking Security Guarantee.

Legal Disclaimer20)

The RBC Offers program is available to clients with an RBC Royal Bank (i) debit card tied to a personal or business chequing account, and/or (ii) personal or business credit card, other than an RBC Commercial Visa or RBC US Dollar Visa card.

Eligibility criteria for an RBC Offer: (a) is determined by RBC, (b) may vary depending on the offer, and (c) may be based on the client's preferences and account status. Eligible clients will refer to the terms and conditions applicable to each specific RBC Offer for more details.

Legal Disclaimer21)

The NOMI Find & Save Service will transfer funds from your designated source account to your NOMI Find & Save Account. The source account must be an eligible Royal Bank of Canada Canadian personal chequing account.

Legal Disclaimer‡

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