Legal Disclaimer^® / ™

Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada. © Royal Bank of Canada 2026.

Legal Disclaimer*

To take advantage of this offer, you must be a resident of Canada and age of majority by June 1, 2026 and you must not have an existing Personal Banking Account with Royal Bank of Canada or any of its deposit taking subsidiaries at the beginning of the “Promotional Period” on January 14, 2026, or in the prior five year period, and otherwise comply with the terms of the offer. You will be eligible to receive a complimentary Apple Watch (Apple Watch Series 11 GPS, Rubber band, 42 mm or 46 mm case in your choice of Jet Black Aluminum with Black Sport Band, Space Grey Aluminum with Black Sport Band, Rose Gold Aluminum with Light Blush Sport Band or Silver Aluminum with Purple Fog Sport Band, Model Numbers included in the full Terms and Conditions), when you 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 9PM EST June 1, 2026 and complete two of the following ”Qualifying Criteria” by 9PM EST August 10, 2026: set up two pre-authorized payments from the Eligible Personal Banking Account; and/or one automated and recurring payroll or pension direct deposit to the Eligible Personal Banking Account, and/or two eligible bill payments to a service provider from the Eligible Personal Banking Account. RBC has the right to determine what is considered payroll. 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 this offer at any time without notice, even after acceptance by you. Other conditions apply. For full details including defined terms visit rbc.com/watchterms.

Royal Bank of Canada may withdraw or amend this Offer at any time without notice. For full details including defined terms visit rbc.com/watchterms.

Legal Disclaimer^

This Royal Credit Line Promotional Offer (the “Promotional Offer”) is available from March 2, 2026, to May 31, 2026, inclusive (the “Promotional Period”).

The Promotional Offer is available to eligible applicants for Royal Credit Line for Students, as well as Medical/Dental Royal Credit Line, who, at the start of the Promotional Period, do not have a Royal Credit Line (RCL) with Royal Bank of Canada, and who otherwise comply with the terms and conditions (the “Terms”) provided herein.

The Promotional Offer is:

• 7,500 Avion points for eligible students enrolled in a “General Program” or “Professional Program”, or
• 30,000 Avion points for eligible students enrolled in a “Medical or Dental program”, “Medical or Dental Residents”, or “Medical or Dental Practicing Professionals”.

“General Program” means all undergraduate and graduate programs, such as a master’s degree or Doctor of Philosophy degree (PhD), excluding Professional Programs. “Professional Program” means professional graduate or specialized health science programs. “Medical or Dental Program” means post-secondary level programs, upon the completion of which, the student will receive a Doctor of Medicine (M.D.) or Doctor of Dental Surgery (DDS). “Medical or Dental Residents” means newly graduated doctors or dentists undergoing postgraduate training as part of a residency program. “Medical or Dental Practicing Professionals” means graduated doctors and dentists who are licensed, registered, and are actively practicing medicine or dentistry. Please speak with an RBC advisor to confirm eligibility.

The Terms:

To qualify to receive the applicable benefit of this Promotional Offer:

• I. you must either be a student who is enrolled in an eligible General Program, Professional Program, Medical or Dental program, or a Medical or Dental resident or practicing professional as described above.
• II. you must be the primary applicant for an RCL with Royal Bank of Canada.
• III. you must start your RCL application by 11:59pm EST on May 31, 2026.
• IV. your application must be approved and activated by 11:59pm EST on June 14, 2026.
• V. your Line of Credit Account must be in good standing (for example, your Line of Credit Account must not be in a delinquent status) and open at the time the Avion points are awarded.
• VI. you must be an Avion Rewards member before June 14, 2026. To check your membership status or to join now and accept Terms and Conditions, please go to https://www.avionrewards.com/index.html and sign in with your Online Banking credentials.

Note: Eligible students, as part of their Student RCL, Medical/Dental RCL for Students application, may be required to provide proof of enrolment in an eligible General Program, Professional Program, or Medical/Dental program as applicable.

In addition to any other exclusions described in these terms, this Promotional Offer is not available in respect of (i) Credit Limit Increases on existing RCL’s; (ii) RCL’s that were opened prior to the Promotional Period; (iii) Student RCLs or Medical/Dental RCL for Students held by individuals who have already completed their studies (as applicable), even if their Student RCL or Medical/Dental RCL for Students remains open during or after the Promotional Period; (iv) Student RCLs or Medical/Dental RCL for Students held or opened by individuals enrolled in programs of study other than an eligible general, professional, or Medical or Dental programs (as described above).

If you qualify to receive the benefit of this Promotional Offer, the Avion points you qualify to receive, as applicable, will be deposited into your eligible Avion Rewards account within eight (8) weeks of the offer end date (May 31, 2026) (no action required from you). In order to receive the points for which you have qualified, you must be an Avion Rewards member at the time the points are awarded. If you are not an Avion Rewards member as of the date we attempt to deposit the benefit of this Promotional Offer, you will forfeit this benefit and be deemed to have not qualified for the Promotional Offer. For more information on eligibility visit https://www.avionrewards.com/eligibility.html.

Only one Promotional Offer payment per client per activated RCL. Promotional Offer and RCL applications are subject to Royal Bank of Canada’s standard lending criteria and other applicable restrictions.

Other Terms and Conditions:

Your points will be awarded to your Avion Rewards Core Account. If you are an RBC Avion Visa Infinite, RBC Avion Visa Platinum, RBC Avion Visa Infinite Privilege, RBC Avion Visa Infinite Business, or RBC Avion Visa Business cardholder (“RBC Avion Cardholder”) you may redeem from the Air Travel Redemption Schedule start at 7,500 Avion points for a one-way short-haul flight within or to an adjacent province/territory or within or to an adjacent U.S. State (valued up to $175). 30,000 points is enough for two round-trip flights within or to an adjacent province/state (valued up to $700). In order to receive the best value for your points you will need to transfer them to your respective Credit Card points account. All applicable taxes, service fees, and surcharges are the responsibility of the traveler. RBC Avion Cardholders are also eligible to redeem for first class and business class seats at a fixed redemption rate. For more details, including redemption rates and information on redeeming for first class and business class seats, visit: https://www.avionrewards.com/travel/index.html. In order to receive the best value for your points you will need to transfer them to your respective Credit Card points account.

If you are not an RBC Avion Cardholder, different travel redemption rates apply. Please refer to the Avion Rewards Terms and Conditions for information on how to redeem and redemption rates Avion Rewards Terms and Conditions.

All Avion Rewards members can redeem Avion points for travel, gift certificates/cards, brand name merchandise, and other categories. All rewards are subject to availability and may change without prior notice. Please refer to the Avion Rewards Terms and Conditions for a list of eligible products and respective travel redemption rates. Redemption rates vary depending on the redemption category and products held.

Legal Disclaimer**)

Personal lending products are provided by Royal Bank of Canada and are subject to its standard lending criteria. If your credit history is limited, or you are studying at an educational institution outside of Canada, a co-signor may be required.

Legal Disclaimer1)

RBC Healthcare Advantage is available to eligible medical and dental students, residents, and practising professionals by having an RBC VIP Banking account and an eligible credit card: RBC Avion Visa Platinum, RBC Avion Visa Infinite, RBC Avion Visa Infinite Privilege, WestJet RBC World Elite Mastercard, RBC Rewards Visa Preferred, or RBC British Airways Visa Infinite credit card, either as a primary applicant or a co-applicant. For additional details on RBC Healthcare Advantage, visit rbc.com/healthcare.

Legal Disclaimer2)

To be considered an eligible student, proof of enrolment in an eligible medical or dental program at the post-secondary level, upon the completion of which program the student will receive a Doctor of Medicine (M.D.) or Doctor of Dental Surgery (DDS), will be required.

Legal Disclaimer3)

Royal Bank “Prime Rate” means the annual rate of interest announced by Royal Bank of Canada from time to time as its reference rate then in effect for determining interest rates on Canadian dollar commercial loans made by the Bank in Canada. The current Royal Bank Prime Rate may be viewed here, and is subject to change at any time without notice. Prime minus 0.25% on the Royal Credit Line are available to clients participating in the RBC Healthcare Advantage program. The discounted rate is subject to change at any time without notice. On , the Royal Bank Prime Rate was .

Legal Disclaimer4)

Access to your total credit limit depends on how much credit you qualify for and accept. You will be given access to a portion of that total amount in each year of study over the course of your program, with additional funds (up to your total credit limit) made available to you each year when you provide proof of enrolment confirming that you have progressed to your next year of study. For additional information speak to an RBC Specialist.

Legal Disclaimer5)

Students studying in Canada with a medical/dental Royal Credit Line continue to have access to their line of credit after graduation as they do not go into repayment. Students studying outside of Canada who wish to have continued access to their Royal Credit Line will be required to reapply.

Legal Disclaimer6)

A $30 monthly fee for the RBC VIP Banking account will be waived for the duration you are a Healthcare Advantage Pro Plan member. The $30 monthly fee will be automatically charged based on your next monthly cycle if you are no longer a Plan member. This offer shall not be combined with any other personal banking account offer or promotion. Only one fee waiver per client, no matter how many RBC VIP Banking accounts are opened, whether in sole or joint ownership. To benefit from the fee waiver, all your eligible accounts with us must remain in good standing and you must have an active RBC VIP Banking account and an Eligible Credit Card that is active and in good standing at all times for the duration that you are a member of the Plan.

Legal Disclaimer7)

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.

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 $5.00 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 Disclaimer8)

When you enrol your eligible RBC personal bank account into the RBC Value Program, you will be eligible to earn Avion points within the Avion Rewards Program as an Eligible Personal Banking Client, and any such points earned will be deposited into the Avion Rewards account tied to your enrolled account. Purchases from your account refers to using your RBC Client Card to pay for items at a merchant or service provider with the amount electronically debited directly from your enrolled account or using your RBC Virtual Visa Debit for purchases online. Avion points are governed by the Avion Rewards Terms and Conditions available on our website, or a copy may be provided to you by contacting us. For complete details on the Value Program, please see the Value Program Terms & Conditions.

Legal Disclaimer9)

Subject to credit approval. As a sole or joint owner of an RBC VIP Banking (VIP) account and the primary cardholder of one of the eligible credit cards listed below, the annual fee of that eligible credit card will be fully or partially rebated (as indicated below), every year, as long as your credit card remains in good standing and you remain a VIP account owner. Additional cardholders’ annual fee is also fully or partially rebated (as indicated below), every year, as long as your eligible credit card remains in good standing and you remain a VIP account owner. Only one credit card annual fee rebate per VIP account is allowed, which means that if you own a joint VIP account and each co-owner is also the primary cardholder of an eligible credit card, only the primary owner of the VIP account will be entitled to the credit card annual fee rebate. Other conditions and restrictions apply. Rebates that apply to eligible credit cards are: (i) partial rebate of $120 for the primary cardholder and $50 for the co-applicant on the annual fee of an RBC Avion Visa Infinite Privilege card, and (ii) annual fee fully rebated for the primary cardholder and the additional cardholders (co-applicant and authorized users) on any of the following cards: RBC Avion Visa Infinite, RBC Avion Visa Platinum, RBC British Airways Visa Infinite and WestJet RBC World Elite Mastercard.

Legal Disclaimer10)

Avion points are earned on qualifying net purchases only; they are not earned on cash advances (including 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.

Legal Disclaimer11)

You will earn 1.25 Avion points for every dollar spent when you use your RBC Avion Visa Infinite card to pay for travel-related purchases made at merchants classified by Visa's “Merchant Category Code” (“MCC”) as “travel”, which may include: airlines, accommodations, tour operators, cruise lines, travel agencies and car rental companies. Even though some merchants may sell travel products/services, purchases made at these locations may not necessarily qualify for the 1.25 Avion points per dollar if the merchant is not classified with a “travel” MCC. Also, merchants that are not classified by a “travel” MCC may be located on the premises of merchants that are classified with a “travel” MCC, and purchases made at these locations may not qualify for this added benefit. For more details, please refer to the Avion Rewards Terms and Conditions at: https://www.avionrewards.com/terms-and-conditions/index.html

Legal Disclaimer12)

Subject to availability. Some restrictions may apply. For complete terms, conditions and restrictions that apply to the Avion Rewards program, please visit: rbc.com/avion or call 1-800 ROYAL 1-2 (1-800-769-2512).

Legal Disclaimer13)

This offer only applies to new applications for an RBC Avion Visa Infinite or RBC Avion Visa Platinum credit card (each, an “Eligible Credit Card”) received between “January 21, 2026” and “June 15, 2026” (“Offer Period”) and approved by Royal Bank of Canada (“Royal Bank”) subject to the conditions below. Additional cardholders(s) (co-applicant and authorized user(s)) on the Eligible Credit Card account, as well as existing cardholders on any RBC Royal Bank personal credit card account transferring to an Eligible Credit Card account during the Offer Period, are not eligible for the offer.

35,000 welcome Avion points (“Welcome Points”) will appear on your monthly credit card statement within sixty (60) days after your application has been approved, provided that your Eligible Credit Card account remains open and in good standing at the time the Welcome points are credited to your account, “good standing” meaning that your Eligible Credit Card account must not be past due for more than two (2) consecutive credit card account statement periods, closed, charged off or in credit revoked status.

You will receive 20,000 bonus Avion points (“Bonus Points”) if a total of $5,000 or more (“Qualifying Transaction Amount”) in qualifying net purchases and/or pre-authorized bill payment transactions (“Qualifying Transactions”) are posted to your Eligible Credit Card account within the first six (6) months from your Eligible Credit Card account opening date (“Period”). The Bonus Points will appear on your monthly credit card statement within sixty days (60) after you reach $5,000 in Qualifying Transactions, provided your Credit Card Account remains open and in good standing at the time the Bonus Points are credited to your account.

Qualifying Transactions exclude cash advances (including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges and fees. Credits for returns and adjustments posted to your Credit Card account during the Period will reduce the amount of your Qualifying Transactions. The Qualifying Transaction Amount is based on the transaction posting date of each Qualifying Transaction, not the transaction date. This means that transactions that take place prior to the last day of the Period will not be considered for the Qualifying Transaction Amount if they have not yet been posted or processed by the merchant, the payment network (Visa) or Royal Bank by the last day of the Period.

If you close or change your Eligible Credit Card for another type of RBC Royal Bank credit card before the Welcome Points and/or the Bonus Points have been credited to your account, you may lose the benefit of this offer. This offer may not be combined or used in conjunction with any other offer. Royal Bank reserves the right to cancel, modify or withdraw this offer at any time without notice, even after your application has been approved, including if we suspect that you may be manipulating or abusing it, or engaging in any suspicious or fraudulent activity, as determined by Royal Bank in its sole discretion. For complete terms and conditions that apply to the Avion Rewards Program, please visit www.avionrewards.com or call 1-800-769-2512.

Legal Disclaimer14)

For Air Travel Reward redemptions from the Air Travel Redemption Schedule with a maximum ticket price of $1,100, starting at 55,000 Avion points, you can redeem for a round trip flight from eastern Canada or the United States to Mexico, Hawaii or Alaska; or from western Canada or the United States to Bermuda, Central America or the Caribbean. All applicable taxes, service fees and surcharges are the responsibility of the traveller. For more details, including information on redeeming for first class and business class seats, visit: www.avionrewards.com/travel/index.html. For general redemption terms, conditions and restrictions that apply to the Avion Rewards program, please visit: www.avionrewards.com or call 1-800 ROYAL 1-2 (1-800-769-2512).

Legal Disclaimer15)

Avion points will be forfeited if they remain unredeemed within twelve (12) months following the termination of the Avion Rewards program or after you voluntarily close your RBC Royal Bank credit card account or bank account.