You can view the full terms and conditions for the RBC iPad offer at: rbc.com/ipadoffer

Not necessarily. You can be an existing RBC client and qualify for this offer, as long as you:

• do not have an existing Personal Banking Account with RBC
• never had a Personal Banking Account with RBC, nor qualified for any of our offers related to opening an account in the last five years

To qualify for the RBC iPad offer, you need to complete the following steps:

• Be an Eligible Personal Client
• Open a new RBC Signature No Limit Banking account or RBC VIP Banking account by November 2, 2026
• Complete at least two of the following within 90 days of opening the Eligible Personal Banking Account and no later than by 9:00 PM Eastern Time on the 90^th day:
  • Set up your full payroll or pension as a direct deposit (no splitting)
  • Set up two pre-authorized monthly payments
  • Make two eligible bill payments using RBC Online Banking, the RBC Mobile app, an ATM or telephone banking

Make sure all requirements are completed within the specified timelines outlined in the terms and conditions

To remain eligible for the RBC iPad reward, you must:

• Keep your eligible RBC chequing account open and in good standing until at least November 2, 2027
• Maintain the qualifying activities (i.e., direct deposit, bill payment or pre-authorized payment) in effect until at least November 2, 2027

If you qualified for the upgrade offer:

• You must also maintain your investment balance for at least 365 days after opening your account²³

Yes, you can still qualify without setting up a direct deposit. Instead, you can:

• Set up two pre-authorized monthly payments, and
• Complete two bill payments

Both must be debited from your account within 90 days of opening the Eligible Personal Banking Account.

If you choose to qualify for this offer by setting up two pre-authorized payments, they must be set up and withdrawn from your account within 90 days of opening the Eligible Personal Banking Account.

Examples include:

• Pre-authorized eligible bill payment to a service provider (i.e. utility bill, gym membership)
• Pre-authorized payment to an RBC mortgage, loan, Royal credit line
• Pre-authorized contribution to your eligible RBC investment account – from your new Eligible Personal Banking Account

No. This offer is only available to new RBC personal banking clients.

You are not eligible if you:

• Already have an RBC personal banking account, or
• Have qualified for any of our offers related to opening a personal banking account with RBC in the past five years

Upgrading an existing account does not qualify.

No. Only the primary account holder is eligible for the reward.

To qualify, the primary account holder:

• Must be new to RBC personal banking
• Can’t have been a joint account holder within the past five years

No. This offer is limited to one reward per client during the promotional period.

No. You do not need to contribute any funds to an investment account to get the iPad offer. The new fund contribution into RBC investment accounts applies to new chequing account clients who qualify for the iPad offer and wish to upgrade the reward to iPad Air, iPad Pro or MacBook Air.

To upgrade your iPad reward to an iPad Air, iPad Pro or MacBook Air, you must:

• Qualify for the RBC iPad offer
• Transfer-in or deposit Qualifying Net Contributions²⁵ into any Eligible Investments Account or collectively into any combination of Eligible Investments Accounts within 90 days of opening the Eligible Personal Banking Account and no later than by 9:00 PM Eastern Time on the 90^th day:
  • Invest $25,000 - $49,999.99 to qualify for an iPad Air, or
  • Invest $50,000+ to qualify for an iPad Pro or MacBook Air
• Maintain the minimum Qualifying Net Contributions required under the Investments Promotional Offer until 365 days after opening the Eligible Personal Banking Account.

Qualifying criteria and other terms and conditions apply. See the full Terms and Conditions for details.

Your reward depends on how much you invest:

• $25,000 - $49,999.99 qualifies you for an iPad Air
• $50,000+ qualifies you for an iPad Pro or MacBook Air

Eligible investment accounts offered by Royal Bank of Canada, Royal Mutual Funds Inc., or RBC Direct Investing Inc. include:

• Tax-Free Savings Account (TFSA)
• Registered Education Savings Plan (RESP)
• Registered Retirement Savings Plan (RRSP)
• Non-Registered Investment Account
• And more. See terms and conditions for full listing of eligible accounts

Qualifying criteria and other terms and conditions apply.

We will look at all net contributions (contributions minus withdrawals) made to eligible RBC investment accounts, or collectively into any combination of eligible RBC investment accounts. As soon as you meet the Qualifying Net Contributions, you will qualify for the upgrade offer.

Only net new contributions to RBC accounts count toward the offer. Transfers between RBC accounts are not applied to the offer requirement.

The market value of your funds does not factor into the qualifying criteria – as long as your net contributions meet the requirements, you are eligible for the upgrade offer.

Starting August 31, 2026, we will notify you – by way of an email sent to the email address you have provided to us – when you have fulfilled the Personal Banking Qualifying Criteria only or both the Personal Banking Qualifying Criteria and the Investments Qualifying Criteria for the Promotional Offer.

The email will include a secure link where you can:

• Select your device
• Confirm your shipping details
• View estimated delivery timelines

Note: You have until March 1, 2027 to use the secure link provided in the email informing you of your qualification for the Promotional Offer and to select your Reward. Any attempt to use the link after this date will not be accepted and you will be deemed to have forfeited the Promotional Offer and any entitlement to the Reward

If you qualify, you can choose from a selection of Apple devices, depending on your eligibility and investment amount. Your selection will depend on whether you qualify for the Personal Banking Promotional Offer or the Investments Promotional Offer.

Available options may include (subject to availability at time of selection):

• Apple 11-inch iPad Wi-Fi 128GB
• Apple 11-inch iPad Air Wi-Fi 128GB
• Apple 11-inch iPad Pro Wi-Fi 256GB with Standard Glass
• Apple 13-inch MacBook Air (M5) 10-core CPU and 8-core GPU, 16GB, 512GB SSD

Your device will be shipped to the Canadian mailing address you provide when placing your order. A few things to note:

• Delivery to P.O. boxes is not available
• We may send you an email notification informing you that your Reward has been shipped and/or providing you with a tracking number
• You may track your delivery through the courier’s website

No. Once selected, your Apple device cannot be exchanged for another product.

If you believe you qualified but did not receive your reward, please:

• Contact your RBC branch, or
• Call 1-800-769-2511

You must reach out by March 5, 2027. Requests after this date may not be accepted.

Switching to RBC from another bank is easy. Here are three ways to get started:

• Choose your bank account and apply online
• Call 1-800-769-2511
• Visit an RBC branch

RBC is one of Canada’s largest (as measured by market capitalization) financial institutions.

We’re a member of the Canada Deposit Insurance Corporation (CDIC) and offer a full range of bank accounts, credit cards, loans, mortgages, investments and more to fit your needs.