RBC Investment Offers

This Offer is distributed by Royal Bank of Canada. Royal Bank of Canada, RBC Direct Investing Inc (RBC Direct Investing), and Royal Mutual Funds Inc. (RMFI) are separate corporate entities which are affiliated. RBC Direct Investing, and RMFI are wholly owned subsidiaries of Royal Bank of Canada. Other products and services may be offered by one or more separate corporate entities that are affiliated to Royal Bank of Canada, including without limitation: RBC Direct Investing, RBC InvestEase, RMFI, RBC Dominion Securities, RBC Global Asset Management Inc., Royal Trust Corporation of Canada and The Royal Trust Company.

Investment advice is provided, and Mutual Funds are sold, by RMFI. There may be commissions, trailing commissions, management fees and expenses associated with mutual fund investments. Please read the Fund Facts/prospectus before investing. Mutual fund securities are not insured by the Canada Deposit Insurance Corporation. For funds other than money market funds, unit values change frequently. For money market funds, there can be no assurances that a fund will be able to maintain its net asset value per security at a constant amount or that the full amount of your investment in a fund will be returned to you. Past performance may not be repeated. RMFI is licensed as a financial services firm in the province of Quebec.

GoSmart is a service offered by RBC Direct Investing Inc. RBC Direct Investing Inc. and Royal Bank of Canada are separate corporate entities which are affiliated. RBC Direct Investing Inc. is a wholly owned subsidiary of Royal Bank of Canada and is a Member of the Canadian Investment Regulatory Organization and the Canadian Investor Protection Fund. Royal Bank of Canada and certain of its issuers are related to RBC Direct Investing Inc. RBC Direct Investing Inc. does not provide investment advice or recommendations regarding the purchase or sale of any securities. Investors are responsible for their own investment decisions. RBC Direct Investing is a business name used by RBC Direct Investing Inc.

RBC Third Party accounts are vehicles within which the plan/account owner may, through a Royal Mutual Funds Inc. (RMFI) registered Financial Planner, Investment Retirement Planner or Private Banker, hold or sell units of eligible Canadian issued Mutual Funds offered by third party fund companies.

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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).

1)

To qualify for the Personal Banking Promotional Offer, you must meet all the following criteria:

• Be a resident of Canada, and by November 2, 2026 be of the age of majority in the province or territory in which you reside;
• Not have an existing Personal Banking Account with us;
• Never had a Personal Banking Account with us, nor qualified for any of our offers related to opening a Personal Banking Account at any time during the Promotional Period or in the five year period before the start of the Promotional Period;
• Have a valid deliverable email address associated with your client profile with us by November 2, 2026;
• Open your first new Eligible Personal Banking Account of either an RBC Signature No Limit Banking^® account (monthly fee of $16.95) or RBC VIP Banking^® account (monthly fee of $30) by 9:00 PM Eastern Time November 2, 2026; and
• Complete two of the following criteria 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:
  • Transfer the full amount of your automated and recurring payroll direct deposit or monthly recurring pension direct deposit to your new Eligible Personal Banking Account. RBC has the right to determine what is considered payroll
  • Set up two (2) pre-authorized monthly payments (“PAPs”) from the Eligible Personal Banking Account
  • Set up two (2) eligible bill payments to a service provider from your new Eligible Personal Banking Account

Provided you fulfill the above Personal Banking Qualifying Criteria, you will be eligible to receive a complimentary Apple iPad (Apple 11-inch iPad Wi-Fi 128GB).

To qualify for the Investments Promotional Offer, you must fulfill the Personal Banking Qualifying Criteria above and the Investments Qualifying Criteria below:

• Be the primary account holder of an Eligible Investments Account 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;
• Transfer-in or deposit Qualifying Net Contributions of:
  • between C$25,000 to $49,999.99 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 to be eligible for the iPad Air offer (Apple 11-inch iPad Air Wi-Fi 128GB), or
  • at least C$50,000 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 to be eligible for the MacBook Air (Apple 13-inch MacBook Air: M5 chip with 10-core CPU and 8-core GPU, 16GB, 512GB SSD) or iPad Pro offer (Apple 11-inch iPad Pro Wi-Fi 256GB with Standard Glass); and
• Maintain the minimum Qualifying Net Contributions required under the Investments Promotional Offer until 365 days after completing the Investments Qualifying Criteria.

This offer may not be combined or used in conjunction with any other Personal Banking Account offers unless otherwise indicated. Royal Bank of Canada reserves the right to withdraw or amend this offer at any time without notice, even after acceptance by you. Other conditions apply. For full details including defined terms, visit rbc.com/ipadoffer.

2)

The following RBC bank accounts are eligible for the Summer 2026 iPad Offer: RBC Signature No Limit Banking^® (monthly fee of $16.95) and RBC VIP Banking® (monthly fee of $30)

3)

“Eligible Investments Account” means any of the following new or existing personal investment accounts offered by Royal Bank of Canada, Royal Mutual Funds Inc. (RMFI), RBC Direct Investing Inc. (RBC Direct Investing):

Responsive Table Example

Royal Bank of Canada	Royal Mutual Funds Inc.	RBC Direct Investing Inc.
Tax-Free Savings Account (TFSA)	Tax-Free Savings Account (TFSA)	Tax-Free Savings Account (TFSA)
Registered Retirement Savings Plan (RRSP)	Registered Retirement Savings Plan (RRSP)	Registered Retirement Savings Plan (RRSP)
Non-Registered Investment Account	Non-Registered Investment Account	Non-Registered Investment Account/ Margin Account
Locked in Retirement Account (LIRA)	Locked in Retirement Account (LIRA)	Locked in Retirement Account (LIRA)
Life Income Fund (LIF) Account	Life Income Fund (LIF) Account	Life Income Fund (LIF) Account
Registered Retirement Income Fund (RRIF)	Registered Retirement Income Fund (RRIF)	Registered Retirement Income Fund (RRIF)
Registered Education Savings Plan (RESP)	Registered Education Savings Plan (RESP)	Registered Education Savings Plan (RESP)
Registered Disability Savings Plan (RDSP)	Registered Disability Savings Plan (RDSP)	First Home Saving Account (FHSA)
Deferred Profit Sharing Plan (DPSP)	Deferred Profit Sharing Plan (DPSP)
	Investment Advantage Account

Notes:
Where available RRSP includes Spousal RRSP and Group RRSP, TFSA includes Group TFSA and RBC Direct Investing includes GoSmart accounts as well.
All non-personal accounts and third-party accounts will not be eligible for the Investments Promotional Offer. Qualifying Net Contributions in the above Eligible Investments Accounts will count towards your eligibility for the Investments Promotional Offer

4)

Your contribution room determines the maximum amount that you can contribute to your registered account(s). You can find your most up-to-date contribution room through CRA online services such as My Account and the MyCRA mobile app.

5)

The commission fee detailed in the Commission and Fee Schedule as applicable to Stocks and ETFs will be waived for ETFs listed as eligible for commission free trading at the time an order is placed. The list of ETFs eligible for commission-free trading is not guaranteed and may change from time to time. The standard commission fee may be applied to ETFs not listed as eligible for commission-free trading at the time an order is placed. The inclusion or exclusion of any ETF under commission-free trading does not constitute a recommendation by RBC Direct Investing to purchase or sell such securities. RBC Direct Investing Inc. does not provide investment advice or recommendations regarding the purchase or sale of any securities. Investors are responsible for their own investment decisions.

6)

Mutual fund companies may assess additional fees — for example, deferred sales charges on back-end load funds, early redemption fees, setup fees and fees for insufficient funds for pre-authorized purchases.

Investment advice is provided by Royal Mutual Funds Inc. (RMFI). RMFI, RBC Global Asset Management Inc., Royal Bank of Canada, Royal Trust Corporation of Canada and The Royal Trust Company are separate corporate entities which are affiliated. RMFI is licensed as a financial services firm in the province of Quebec.

7)

Through MyAdvisor

MyAdvisor is an online platform from RBC where you can view your financial information including visual representations (charts and graphs) of your retirement readiness, net worth, cash flow, and financial goal tracking. You can also see how varying your current approach can affect your savings and goals. The MyAdvisor platform also enables you to book an appointment with an RBC advisor and to meet with your advisor using video chat or phone to open new accounts, including investment accounts, and get advice on meeting your financial goals.

8)

Up to C$200 in transfer fees will be covered when you transfer C$15,000 or more to RBC Direct Investing from an investment account held at a financial institution that is not affiliated with RBC. Clients must provide proof of transfer fee payment to RBC Direct Investing within six months of transfer to be eligible for reimbursement. For more details, please call 1-800-769-2560 to speak with an RBC Direct Investing representative.

9)

For Royal Circle and Royal Distinction members, up to C$500 in transfer fees will be covered when you transfer C$15,000 or more to RBC Direct Investing from an investment account held with a financial institution that is not affiliated with RBC. Clients must provide proof of transfer fee payment to RBC Direct Investing within six months of transfer to be eligible for reimbursement.

10)

Hours may differ on holidays