The Freedom to Focus On What’s Most Important

• RBC Healthcare Advantage Plan: Eligible healthcare professionals can join the RBC Healthcare Advantage Plan by having (i) an RBC VIP Banking account and (ii) an 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.
• 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.
• In order to get the RBC Healthcare Advantage plan clients must be a permanent resident of Canada. If you operate your own practice, the business must be registered in Canada or operated in Canada by a natural person who is a permanent resident of Canada.

A $30 monthly fee for the RBC VIP Banking account will be waived for the duration you are a 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.

Unlimited banking transactions including Interac^‡ and PLUS‡ System access fees waived. ATM operator surcharge (also called a convenience fee) may be charged by non-RBC Royal Bank ATM operators. The convenience fee is not a Royal Bank of Canada fee and is added directly to the amount of your cash withdrawal. All clients who use non-RBC Royal Bank ATMs may be charged a convenience fee regardless of the type of account they hold. Each account cash withdrawal at non-RBC Royal Bank ATM outside Canada displaying the PLUS System logo and any fees that may be imposed by any third party for using the ATM are converted to Canadian dollars at an exchange rate which is 2.5% above the benchmark rate set by the payment card company when the transaction is posted. Exchange rates fluctuate and, as such, the rate applied will usually differ from the posted exchange rate at the time of the transaction.

Unlimited FREE Interac e-Transfer transactions are available with all Canadian dollar personal banking (chequing) accounts and are not counted toward the free monthly total in accounts with a limited number of free debits. In all Canadian dollar savings accounts, Interac e-Transfer transactions are $1 each, count as a Debit Transaction toward any free monthly total and carry an Excess Debit Transaction fee, if applicable. Interac e-Transfer transactions are not available with US dollar accounts.

Prime–0.25% offer is available to Plan members. Interest rate is compounded monthly, not in advance. Prime Rate means the variable annual interest rate announced by Royal Bank of Canada from time to time as a reference rate for determining interest rates on Canadian dollar commercial loans in Canada. The Royal Credit Line rate quoted is subject to change based on changes to the Royal Bank Prime Rate. The discounted rate is subject to change at any time without notice.

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 Rewards Visa Preferred, RBC British Airways Visa Infinite and WestJet RBC World Elite Mastercard.

Prime–0.25% offer is available to Plan members. RBC Homeline Plan rate is an annual rate and is based on our Prime Rate - 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 , the Royal Bank Prime Rate was . 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 a RBC Homeline Plan.

To benefit from the Prime Rate – 0.250%, your mortgage must remain in good standing.

To take advantage of this offer you must not have held an RBC InvestEase account prior to January 1 2023. This offer applies to your first RBC InvestEase account only. Accounts opened from January 1 to December 31 2023 using promo code XA388 will not be charged the regular 0.5% management fee by RBC InvestEase for 24 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/(opens new window). 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.

The up to 45,000 Avion points offer (“45,000 Points Offer”) are available for new RBC clients that become a member of the RBC Healthcare Advantage Plan, and the up to 85,000 Avion points offer (“85,000 Points Offer”) are available for new RBC clients that become a member of the RBC Healthcare Advantage Pro Plan (together with the RBC Healthcare Advantage Plan, or each individually, referred to as the “Plan”), and in each case will only be fulfilled through the eligible Avion credit card product holdings you acquire when you first join. The Avion points offers are comprised of Welcome Points and Bonus Points. To receive Welcome Points and to be eligible to receive Bonus Points for satisfying the program criteria, your application must be received and approved by us within the time period set forth herein. You may be a primary account holder or co-applicant and after enrolment you will receive on your first monthly statement the following “Welcome Points”: i) 35,000 Avion points if you have an RBC Avion Visa Platinum credit card or a RBC Avion Visa Infinite credit card, ii) 35,000 Avion points if you have an RBC Avion Visa Infinite Privilege credit card, or iii) 25,000 Avion points if you have an RBC Avion Visa Infinite Business credit card. The remainder of the 45,000 Points Offer or the 85,000 Points Offer, as applicable, will be awarded after you have fulfilled the additional criteria detailed below.

Bonus Points Criteria: The following criteria must be met to qualify for additional Avion points (“Bonus Points”) for the 45,000 Points Offer or the 85,000 Points Offer, as applicable in accordance with your Plan: You must open an eligible Avion credit card and complete the following activities within 3 months of joining the Plan; 1) you must complete one of the following 3 Personal Deposit Account activities (set up recurring payroll, set up 1 pre-authorized payment or set up one bill payment), and 2) you must activate your eligible Avion credit card, and 3) you must log into the RBC Mobile app. You must not have held the minimum product holdings required for the RBC Healthcare Advantage Pro Plan within the past 12 months to receive the Bonus Points. This welcome and bonus points offer is not available to existing or former RBC Avion Visa Infinite Business primary cardholders applying for or transferring to an RBC Avion Visa Infinite Business card, existing or former RBC Avion Visa Infinite Business primary cardholders applying for or transferring to an RBC Avion Visa Infinite card, and existing or former RBC Avion Visa Infinite primary cardholders applying for or transferring to an RBC Avion Visa Infinite Privilege card. This offer cannot be combined with any other banking offer. The Bonus Points will appear on your Avion Rewards credit card account statement within eight weeks from when all criteria have been met. For general redemption terms, conditions and restrictions that apply to the Avion Rewards program, please visit www.avionrewards.com/terms-and-conditions/(opens new window) or call 1-800-769-2512.

To get a round trip short-haul flight to any adjoining province/state in Canada or the U.S, you will need a total of 15,000 Avion points, for a maximum ticket price of $350. To travel from Western Canada/U.S. to Mexico, Hawaii, Alaska or from Eastern Canada to Bermuda, Central America, Caribbean, you will need a total of 45,000 Avion points, for a maximum ticket price of $900. Additional cardholder(s) are not eligible for this offer. All applicable taxes, service fees and surcharges are the responsibility of the traveller. For Air Travel Reward redemption details, visit www.rbc.com/travelredemption(opens new window). Some restrictions apply. For complete terms and conditions that apply to the Avion Rewards program, please visit: www.avionrewards.com(opens new window) or call 1-800-769-2512. Royal Bank of Canada reserves the right to withdraw this offer at any time, even after acceptance by you.

To get a flight from a major gateway in Canada/U.S. to destinations in Europe, you will need a total of 65,000 Avion points, for a maximum ticket price of $1,300. To get a short-haul flight to any adjoining province/state in Canada or the U.S, you will need a total of 15,000 Avion points, for a maximum ticket price of $350. Additional cardholder(s) are not eligible for this offer. All applicable taxes, service fees and surcharges are the responsibility of the traveller. For Air Travel Reward redemption details, visit www.rbc.com/travelredemption(opens new window). Some restrictions apply. For complete terms and conditions that apply to the Avion Rewards program, please visit: www.avionrewards.com(opens new window) or call 1-800-769-2512. Royal Bank of Canada reserves the right to withdraw this offer at any time, even after acceptance by you.

Avion points are earned on qualifying net purchases only; they are not earned on cash advances (including balance transfers, cash-like transactions and certain bill payments), interest charges or fees, and credits for returns and adjustments will reduce or cancel the points earned by the amounts originally charged

A linked RBC Card means an RBC debit or credit card issued by Royal Bank of Canada (excluding RBC commercial credit cards) (“RBC Card”) that is linked to a Petro-Points card. You must be enrolled in RBC Online Banking or RBC Mobile app in order to link your RBC Card to your Petro-Points card. Card linking may take up to 2 business days to process before savings and bonus points can be applied to purchases. Your linked RBC Card acts as your Petro-Points card. You will automatically earn Petro-Points when you pay for qualifying purchases with your linked RBC card at Petro-Canada locations and you do not need to swipe your Petro-Points card before you pay. You can redeem your Petro-Points at Petro-Canada using your linked RBC Card. Each time you use your linked RBC Card to purchase any grade of gasoline, or diesel, at a Petro-Canada location, you will save three cents ($0.03) per litre at the time of the transaction.

Monthly fee for the RBC Digital Choice Banking account will be rebated for the duration client is a member of the Plan. The fee rebate will be posted to your account within 10 business days following the posting of the fee to your account. This offer shall not be combined with any other business banking account offer or promotion. The monthly fee for the RBC Digital Choice Banking account is $6 and will be applied after once a client in no longer a Plan member. Only one fee rebate per client, no matter how many RBC Business Banking accounts are opened, whether in sole or joint ownership. To benefit from the fee rebate, all your accounts with us must remain in good standing during the fee rebate period, and you must be a Healthcare Advantage Plan member. We reserve the right, in our sole discretion, to revoke this offer to any person we believe to be manipulating or otherwise abusing the process, fairness, integrity or operation of the offer. Other conditions may apply. See branch for details. This offer may be withdrawn at any time and is subject to change without notice.

To be exempt from the annual fee for one year, you must be a Plan member and your application form must be received by December 31, 2023 and approved by us. The annual fee rebate for one year is only offered to the first Primary Business Cardholder on the account; additional Primary Business Cardholder(s) and Secondary Business Cardholder(s) are not eligible for this offer. This offer may not be combined or used in conjunction with any other offer. Royal Bank of Canada reserves the right to cancel, modify or withdraw this offer at any time.

Prime-0.25% offer is only available to Healthcare Advantage Pro plan members. Prime Rate means the variable annual interest rate announced by Royal Bank of Canada from time to time as a reference rate for determining interest rates on Canadian dollar commercial loans in Canada. The rate applying to an RBC Business Term Loan or Royal Business Operating Line will change based on changes to the Prime Rate. The RBC Business Term Loan and Royal Business Operating Line of Credit is provided by Royal Bank of Canada and is subject to its standard lending criteria. The offer may be changed, withdrawn or extended at any time, without notice. On , the Royal Bank Prime Rate was . Not available in combination with any other rate discounts, offers or promotions.

Wave’s invoicing software, accounting software and receipt scanning are free. Wave credit card processing is a pay-as-you-go service at 2.9% + 30 cents per transaction for all credit cards, with no additional fees for normal transaction processing. Wave’s bank payments feature is a pay-as-you-go service at 1% per transaction. For more information visit www.waveapps.com/pricing

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Subject to approved credit with a 24-month TELUS Easy Payment^® agreement (0% APR) on any in-market plan with data and voice included. TELUS Easy Payment^® balance will be repaid over a 24 month period via equal monthly payments. Payment of any outstanding TELUS Easy Payment^® balance due upon termination, or account transfer. Applicable taxes are calculated based on the total no term price less any device discounts and must be paid in full at the time of purchase. Pay-per-use charges (including long distance, roaming and additional airtime or data) are extra.

Offer only available on a Business Personal or Business Regular account. Not available for Consumer or Corporate accounts. Offer available at a TELUS store, authorized dealer, or the dedicated inbound queue. Not available at retail locations, such as Best Buy or London Drugs. Offer cannot be combined with other code-based offers. Must be a business that has less than 50 telecommunication lines and present an HST/GST number (QST number in Quebec), registration number, incorporation number, and/or other proof of business upon activation. TELUS reserves the right to withdraw or modify this offer at any time

Preferred rates are available to Plan members.

Morningstar Awards 2016 © Morningstar, Inc. All Rights Reserved. Awarded to RBC Global Asset Management Inc. (RBC GAM) for 2016 Morningstar Canada Steward of the Year.

Eligible fees and costs, up to $5000 include: transfer out fees, account closure fees, administration costs, trading costs (fees to sell equity, fixed income or other securities excluding mutual funds). Costs not covered include Deferred Sales Charges (DSC), tax liability of liquidating assets, mutual fund sell, short term trading costs or any other fees or commissions that may be incurred on the redemption of existing mutual funds.