Legal Disclaimer1)

Financial planning services and investment advice are 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.

Mutual funds are sold by Royal Mutual Funds Inc. (RMFI). Guaranteed investment certificates and RBC Investment Savings Accounts are offered through Royal Bank of Canada and may be held in RMFI investment accounts where RMFI holds the asset in its name, as nominee. 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.

Legal Disclaimer2)

A discounted 1% service fee is available to RBC Healthcare Advantage Plan members who sign up for the Comprehensive Plan. The service fee (regularly 1.95%) is charged on all paid claims in a billing cycle. The discount will be honoured for a minimum of 12 months from the date of subscription, and may be extended at the sole option of RBC Medical Billing Inc. RBC Medical Billing Inc., not Royal Bank of Canada, is responsible for the terms and conditions associated with your product subscription. Only available in Ontario, Alberta and British Columbia. For further details on Dr.Bill, visit www.dr-bill.ca(opens in new window). Dr.Bill is powered by RBC Medical Billing Inc., a subsidiary of Royal Bank of Canada. Dr.Bill/RBC reserves the right to switch a user back to standard pricing on all product plans when a user is no longer eligible based on the above criteria. RBC confirms offer eligibility on a monthly basis with Dr.Bill. There will be a 30-day pricing grace period for all users that switch to standard pricing when no longer eligible for the RBC/Dr.Bill discount.

Legal Disclaimer3)

RBC Healthcare Advantage Pro Plan: Eligible healthcare professionals can join the RBC Healthcare Advantage Pro Plan by having: i) an RBC VIP Banking account, ii) an 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, and iii) either an RBC business deposit account and an eligible RBC business credit card (i.e. Avion Visa Business, RBC Avion Visa Infinite Business, RBC Commercial Avion Visa, RBC Commercial Cash Back Visa, RBC Commercial Visa, RBC Commercial U.S. Dollar Visa), or a minimum of $25,000 in assets invested within any RBC investment product (such as mutual funds or GICs) or any account held at any of the following separate corporate entities affiliated with RBC: RBC Dominion Securities Inc., RBC Direct Investing Inc., RBC InvestEase Inc., RBC PH&N Investment Counsel Inc.,at all times during their membership.

Legal Disclaimer4)

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 Disclaimer5)

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 Disclaimer6)

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(opens new window). 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 minus 0.25%, your mortgage must remain in good standing.

Legal Disclaimer7)

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 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.