Exclusive offers for the Canadian Cardiovascular Society members

To benefit from the RBC Healthcare Advantage Private Banking Plan offers exclusively for members of the Canadian Cardiovascular Society (“CCS”), you must: a. (a) Be an active member of the Canadian Cardiovascular Society (CCS) NOTE: You may be required to present proof of your CCS membership, designation, and practicing status to an RBC Private Banker electronically or at an RBC Royal Bank branch. Thereafter, RBC will also validate your CCS membership on an ongoing basis, and you may be required to provide proof thereof upon request. b. (b) Be a practicing medical physician or medical resident in Canada. Academic/Allied Health/student members are not eligible. c. (c) Be an RBC Private Banking client whose eligible RBC products, as set out below, are active and in good standing at all times during their participation in any RBC Healthcare Advantage Private Banking Plan offer for members of the CCS; and (d) Be the sole owner or a joint owner of at least one of the following RBC Private Banking personal deposit accounts: RateLink Preference® Private Banking, Private Banking®, Private Banking Enhanced Savings, or Private Banking Savings (“Eligible Account”); and (e) Within the first year of opening an Eligible Account, complete one of the following transactions from that account: • Set up and complete 1 bill payment (one-time condition) • Set up and complete 1 recurring pre-authorized payment • Set up and complete recurring payroll NOTE: Except as described herein, standard RBC Private Banking eligibility requirements apply, which may include (but are not necessarily limited to) satisfactory credit checks and suitability reviews for the RBC Private Banking services. Should you become an RBC Private Banking client, standard fees and charges applicable to the RBC Private Banking solution (including the Monthly Fee) and to other RBC products and services you may hold will apply (subject to any promotional or other offers or discounts for which you may qualify, including those described herein for CCS members). For more information about RBC Private Banking, please visit https://privatebanking.rbcwealthmanagement.com/ d. (f) Have an eligible RBC personal credit card, either as a primary applicant or co-applicant, for as long as you remain an RBC Private Banking client. If you are a practising physician: An eligible RBC personal credit card is the RBC Avion Visa Infinite Privilege for Private Banking credit card. If you are currently enrolled in a medical residency program: Eligible RBC personal credit cards are the RBC Avion Visa Infinite, RBC Avion Visa Infinite Privilege, WestJet RBC World Elite Mastercard, RBC Rewards Visa Preferred, RBC British Airways Visa Infinite, or RBC Avion Visa Infinite Privilege for Private Banking cards. Standard eligibility criteria for each card type apply. NOTE: As a CCS member, the requirement to have an eligible RBC personal credit card is waived for up to two years from the date you first became or become an RBC Private Banking client. During any month thereafter, if you do not have an eligible RBC personal credit card, you will not benefit from the RBC Private Banking monthly fee waiver offer described herein, and the standard monthly fee applicable to your RBC Private Banking package will be charged.

You must be an RBC Avion Visa Infinite Privilege for Private Banking cardholder to take advantage of the RBC Concierge services, offers and benefits. RBC Concierge is provided by Ten Lifestyle Management Limited (“TEN”), not Royal Bank of Canada, and all services, offers and benefits made available through RBC Concierge are subject to complete terms and conditions, including third party suppliers’ terms and conditions, available online at www.rbcconcierge.com(Opens in new window). TEN reserves the right to modify or cancel services, offers and benefits at any time and without notice. Royal Bank of Canada is not responsible for any claims or damages arising from the use of any services or benefits provided by TEN or a third party.

If you are an RBC Healthcare Advantage Private Banking Plan member, you will receive a fee waiver of $125 each month on the total monthly fee applicable to your RBC Private Banking package as long as you remain an RBC Healthcare Advantage Private Banking Plan member and you continue to meet the eligibility criteria applicable to the exclusive offer for members of CCS as set out above. You will cease to benefit from the above-described monthly fee waiver of $125 for CCS members should you cease or fail to meet any of the eligibility criteria. This offer shall not be combined with any other personal banking account offer or promotion, except to the extent permitted under the terms and conditions of such other offer or promotion, and may be amended or withdrawn at any time. Only one monthly fee waiver of $125 each month per client, no matter how many eligible RBC Private Banking accounts you may own, whether in sole or joint ownership. Additionally, to benefit from the $125 monthly fee waiver applicable to your RBC Private Banking package’s standard monthly fee, all your accounts with us must remain in good standing. NOTE: If you hold additional personal deposit accounts in excess of the four (4) RBC Private Banking personal deposit accounts included with the standard RBC Private Banking package, you will be charged the standard additional monthly fee applicable to each such additional account. RBC Private Banking entitles the individual designated under an RBC Private Banking arrangement as the “Household Head” to select one (1) Primary Private Banking Account, from any of: • RateLink Preference Private Banking; • Private Banking; • Private Banking Enhanced Savings; • Private Banking Savings; or U.S. Personal Private Banking; and up to three (3) eligible Personal or Business Deposit Accounts, from any of • RBC Day to Day Banking – PRI; • RBC Day to Day Savings – PRI; • RBC Enhanced Savings – PRI; • U.S. Personal Account – PRI; • Business Current Account (CAD); or • Business Current Account (USD) (Additional personal or business deposit accounts may be added for applicable monthly fees.)

This offer is for the waiver of RBC Private Banking’s standard eligibility requirement for RBC Private Banking clients to have a minimum net worth of $3 million or investable assets of $1,000,000. However, you may still be subject to other RBC Private Banking eligibility criteria, which may include (but are not necessarily limited to) satisfactory credit checks and suitability reviews for the RBC Private Banking services. Should you become an RBC Private Banking client, standard fees and charges applicable to other RBC products and services you may hold will apply (subject to any promotional or other offers or discounts for which you may qualify, including those described herein for CCS members). Offer may be amended or withdrawn at any time. For more information about RBC Private Banking, please visit https://privatebanking.rbcwealthmanagement.com/(Opens new window). For complete details regarding the RBC Private Banking solution, including the RBC Healthcare Advantage Private Banking plan, and the features and fees applicable to RBC Private Banking accounts, you can also request to speak to an RBC Private Banking representative by completing the registration form on this landing page. For complete details regarding the features and fees applicable to RBC bank accounts other than RBC Private Banking accounts, please consult the document entitled “Personal Deposit Accounts: Disclosures and Agreements” available online at: https://www.rbcroyalbank.com/onlinebanking/servicech/pdf/PDA_Account_Disclosure_Booklet.pdf or speak with an RBC Advisor by telephone.

Infinite Privilege for Private Banking Credit Card

Subject to credit approval and standard eligibility criteria. To be exempt from the $399 annual fee for one year, you must be a CCS member practising in Canada as a physician or medical resident who is an RBC Private Banking client, and your application for the RBC Avion Visa Infinite Privilege for Private Banking credit card must be approved by us. Additional cardholder(s) as well as existing RBC Avion Visa Infinite Privilege for Private Banking cardholders, applying for or transferring to an RBC Avion Visa Infinite Privilege for Private Banking credit card are not eligible for this offer. Royal Bank of Canada reserves the right to cancel, modify or withdraw this offer at any time.

To be eligible for this offer, you must be a CCS member practising in Canada as a physician or medical resident and a RBC Private Banking client. You will earn five times (5X) the Avion points (“Bonus Points”) for every one dollar ($1.00) in net purchase transactions (including taxes) you make at the CCS or any of its affiliates, such as: (i) paying your initial or annual membership application fees, (ii) subscribing to the Canadian Journal of Cardiology, (iii) registering for any meeting organized by the CCS or its affiliates, including CCS’s National Congress event, (iv) paying your application fee to become a Fellow of the CCS, and (v) making a donation to the CCS Academy (each a “Qualifying Transaction”) between June 14th, 2021 and December 31st, 2023, inclusive (“Offer Period”) using your RBC Avion Visa Business or RBC Avion Visa Infinite Privilege for Private Banking credit card (“Eligible RBC Credit Card”). Other types of transactions may qualify as a “Qualifying Transaction”, in CCS’s or any of its affiliates’ sole discretion. For any questions regarding Qualifying Transactions, feel free to contact the CCS. Please allow up to ninety (90) days from the date of your Qualifying Transaction, provided your credit card account remains open and is in good standing at that time, for the Bonus Points to appear on your Eligible RBC Credit Card account statement. This offer may be combined or used in conjunction with other offer(s), but cannot be applied retroactively to Qualifying Transactions that were made prior to the Offer Period. Cancellations or price adjustments will cancel or reduce the Avion points earned on your Qualifying Transaction, including Bonus Points. The CCS (and/or its affiliates), not Royal Bank of Canada, is/are responsible for determining what constitutes a Qualifying Transaction, as well as for the terms and conditions applicable to the Qualifying Transactions, including cancellation and refund policies. Royal Bank of Canada reserves the right to cancel, modify or withdraw this offer at any time. For complete 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).

Avion Infinite Credit Card

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. Avion points are earned on qualifying net purchases only; they are not earned on cash advances, 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. For more details, please refer to the Avion Rewards Terms and Conditions at: www.avionrewards.com/terms-and-conditions/.

To be exempt from the $120 annual fee for one year and to receive the 35,000 welcome Avion points (“welcome points”), your application must be approved by us. You must be a CCS member to qualify for this offer. Upon enrolment, 35,000 welcome points will appear on your first monthly statement. Additional cardholder(s)’ fee is also waived for the first year but they are not eligible for the welcome points. Cardholders with existing RBC Avion Visa Platinum, RBC Avion Visa Infinite, RBC Avion Visa Infinite Privilege, WestJet RBC World Elite Mastercard, RBC Rewards Visa Preferred, RBC British Airways Visa Infinite and RBC Avion Visa Infinite Privilege for Private Banking cards applying for or transferring to an RBC Avion Visa Infinite credit card are not eligible for this offer. If you do not meet the minimum income requirements for the RBC Avion Visa Infinite card or do not qualify for any other reason, Royal Bank of Canada may consider your application for the RBC Avion Visa Platinum card. You will receive the one-time annual fee waiver and the 35,000 welcome points if your application is approved for the RBC Avion Visa Platinum card, subject to these terms. This offer may not be combined or used in conjunction with any other RBC Avion Visa Infinite offer. Royal Bank of Canada reserves the right to withdraw or amend this offer at any time, without notice. For complete terms and conditions that apply to the Avion Rewards Program, please visit www.avionrewards.com or call 1-800-769-2512.

The RBC Offers program is available to clients with an RBC Royal Bank (i) debit card tied to a personal or business chequing account, and/or (ii) personal or business credit card, other than an RBC Commercial Visa or RBC US Dollar Visa card. Eligibility criteria for an RBC Offer: (a) is determined by RBC, (b) may vary depending on the offer, and (c) may be based on the client’s preferences and account status. Eligible clients will refer to the terms and conditions applicable to each specific RBC Offer for more details. For complete terms and conditions that apply to the Avion Rewards program, please visit: www.avionrewards.com or call 1-800-769-2512.

Pay Credit Cards with Points redemptions will be applied as a payment towards the balance of the credit card account selected, not towards a particular transaction. Pay Credit Cards with Points redemptions cannot be converted into cash, cheque or any other form. Please note that it will take two (2) to three (3) business days for your payments to be credited to your credit card account and to adjust your available credit. Redemptions are final and cannot be cancelled or reversed once submitted. For complete details, please consult the Avion Rewards Terms and Conditions at: www.avionrewards.com/terms-and-conditions/index.html

Practice Solutions Offers

Discount of 30% off any monthly subscription fee for the Chime workflow management product available to RBC clients who are CCS Members and subscribe by December 31, 2023. Discount will be honoured for a minimum of 12 months from the date of subscription, at the sole option of Chime. Discount will be applied at time of payment. No discount will be applied on the Chime’s one-time fixed or up-front fees, including hardware and installation costs. Chime Technology Inc. not Royal Bank of Canada, is responsible for the terms and conditions associated with your product and product subscription. For further details on Chime services, visit www.chimeclinic.com.

A discounted 1% service fee (regularly 1.95%) on Dr.Bill medical billing is available to RBC clients who are members of the Canadian Cardiovascular Society who sign up for the Comprehensive Plan. The service fee 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 Dr.Bill. 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.

Discount of 30% off the Mikata Health Intelligent Clinic Ally Application monthly subscription fee (regularly $99) available until December 31, 2023 to CCS members who are also RBC clients. Discount will be applied at time of payment. Discount will be honored for a minimum of 12 months from the date of subscription, and may be extended, at the sole option of Mikata. Mikata Health Inc., not Royal Bank of Canada, is responsible for the terms and conditions associated with your product subscription. For further details on Mikata services, visit www.mikatahealth.com. All offers are non-transferable and may be modified or withdrawn at any time.

If you believe that you have qualified for any offer described herein by meeting its applicable eligibility and qualification criteria but you have not received the benefit of that offer, you must promptly notify us by contacting your RBC Private Banker, or by speaking to an RBC Advisor through our Advice Centre or at an RBC Royal Bank branch. All offers may be modified or withdrawn at any time. For more information on how to become eligible for the RBC Healthcare Advantage plan, visit www.rbc.com/healthcare.