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†

Based on the Air Travel Reward redemptions from the Air Travel Redemption Schedule starting at 35,000 Avion points for one round-trip long-haul flight to almost anywhere in Canada or the United States with a maximum ticket price of $750, you will need a minimum of 70,000 Avion Points for two round-trips long-haul flights to almost anywhere in Canada or the United States, exclusive of Hawaii and Alaska. All applicable taxes, service fees and surcharges are the responsibility of the traveler. For more details, including information on redeeming for first class and business class seats, 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 Disclaimer*)

Royal Credit Line Promotional Offer Terms & Conditions

This Royal Credit Line Promotional Offer (the “Promotional Offer”) is available from Nov 2, 2026, to May 31, 2027, 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 for Students, who, as of the start of the Promotional Period, do not have, and have not applied for a Student 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”
• 15,000 Avion points for eligible students enrolled in a “Professional or Special Program”, or
• 30,000 Avion points for eligible students enrolled in a “Medical or Dental program”.

“General Program” means all undergraduate and graduate programs, such as a master’s degree or Doctor of Philosophy degree (PhD), excluding Professional, Special, and Medical/Dental Programs. “Professional and Special Programs” mean 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.), Doctor of Dental Medicine (DMD), or Doctor of Dental Surgery (DDS). Please speak with an RBC advisor to confirm eligibility.

The Terms:

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

• you must be the primary applicant for an RCL with Royal Bank of Canada.
• you must start your RCL application by 11:59pm EST on May 31, 2027.
• your application must be approved and activated by 11:59pm EST on June 30, 2027.
• 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.
• you must be an Avion Rewards member before June 30, 2027, and your Avion Rewards account must remain active and in good standing through to the date the Avion points are awarded. 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: This campaign is for students only. 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. Please note that newly graduated doctors and dentists undergoing postgraduate training as part of a residency program are ineligible for the offer.

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 account activation date (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 awarded per client (primary applicant only). Promotional Offer is not available for more than one 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:

The reward is stated in Avion points only. The cash equivalent value or redemption rate of Avion points is not fixed and varies depending on how you choose to redeem them.

Your Avion 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). 15,000 points is enough for two one-way flights within or to an adjacent province/state (valued up to $350). 30,000 points is enough for four one-way 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.

For general redemption terms, conditions and restrictions that apply to the Avion Rewards program, please visit avionrewards.com or call 1-800 ROYAL 1-2 (1-800-769-2512). For complete terms, conditions and restrictions that apply to the Avion Rewards program, please visit: www.avionrewards.com. If you think you are entitled to the Avion points and have not received them by Aug 31, 2027, you must notify us by calling 1-800-769-2512 no later than September 15, 2027. If you do not notify us by this date, you will be deemed to have forfeited the Promotional Offer and will be ineligible to receive the Avion points.

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.

RBC reserves the right to modify, cancel or withdraw this Promotional Offer at any time. This Promotional Offer may be revoked at any time if we suspect you or any other party may be manipulating or abusing it, or engaging in any suspicious or fraudulent activity, as determined at our sole discretion.

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 Disclaimer^

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

• Be a resident of Canada, and by March 1, 2027 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;
• 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 on March 1, 2027; and
• Complete two of the following criteria by 9:00 PM Eastern Time on May 10, 2027:
  • 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 and pension.
  • 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 $500.

Provided you fulfill the above Personal Banking Qualifying Criteria and keep your account open and in good standing for a minimum of 13 months after opening your account, you will be eligible to receive a $100 anniversary bonus.

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/offerterms600.

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. 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 may apply. Royal Bank of Canada reserves the right to withdraw this offer at any time, even after acceptance by you.

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 “August 13, 2026” and “November 25, 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 Eligible 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 Eligible 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.

15,000 additional Avion points (“Anniversary Points”) will appear on your monthly credit card statement within twelve (12) to sixteen (16) weeks after the one- year anniversary of your account opening, provided that your Eligible Credit Card account remains open and in good standing at the time the Anniversary Points are credited to your account.

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)

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.