Legal Disclaimer1)

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 Disclaimer2)

Students studying in Canada with a Royal Credit Line for Medical and Dental Students 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 Disclaimer3)

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 Disclaimer4)

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 July 13, 2023, the Royal Bank Prime Rate was 7.200%.

Legal Disclaimer5)

RBC Healthcare Advantage is available to eligible medical and dental students, residents, and practicing 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 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.

RBC VIP Banking account comes with a choice of up to two additional Canadian dollar deposit accounts, to be selected among the RBC Day to Day Banking^®, RBC Enhanced Savings^® and RBC Day to Day Savings^® accounts, and one additional U.S. dollar deposit account, limited to the U.S. Personal Account^®, with the monthly fees waived. Note: Due to system limitations all accounts must be opened by the client in the same geographic location or region to be recognized for this bundling feature. If you have questions, please speak to your branch.

Legal Disclaimer7)

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. If you already have a VIP account, the rebate will be applied at the time you open your eligible credit card account. If you open your VIP account after you have opened your eligible credit card account, the rebate will be applied at your next annual renewal and won't be applied retroactively. Other conditions and restrictions apply. Royal Bank of Canada reserves the right to withdraw this offer at any time, even after acceptance by you. 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 Rewards Visa Preferred, RBC British Airways Visa Infinite and WestJet RBC World Elite Mastercard.

Legal Disclaimer8)

To take advantage of this offer you must not have held an RBC InvestEase account prior to November 15, 2023. This offer applies to your first RBC InvestEase account only. Accounts opened from November 15, 2023 to May 31, 2024 using promo code SA195 will not be charged the regular 0.5% management fee by RBC InvestEase for 6 months from the date of account opening. RBC InvestEase will notify clients 60 days in advance of any changes to the fees associated with their account as set out in the investment management agreement. A weighted average management expense ratio will still apply to the ETFs held in our portfolios. For further information please refer to Pricing on https://www.rbcinvestease.com/. This offer cannot be combined with any other offers. RBC InvestEase Inc. reserves the right to amend or withdraw this offer at any time without notice.

Legal Disclaimer9)

Prime minus 0.25% offer is available to Plan members. RBC Homeline Plan rate is an annual rate and is based on our Prime Rate minus 0.250%. To view the current RBC Prime Rate, please go to www.rbcroyalbank.com/rates/prime.html. Interest rate will change as our prime rate changes and without notice. On July 13, 2023, the Royal Bank Prime Rate was 7.200%. This offer is only available to clients approved for a line of credit under the RBC Homeline Plan and does not apply to any other credit line product offered by Royal Bank of Canada including but not limited to a credit line secured by real property that is not part of an RBC Homeline Plan. To benefit from the Prime Rate – 0.25%, your mortgage must remain in good standing.