Legal Disclaimer*

To receive the 35,000 welcome Avion points (“Welcome Points”), your application must be approved by us. The Welcome Points will appear on your first two credit card statement after your application has been approved. Additional cardholder(s), as well as existing cardholders of any RBC Royal Bank personal credit cards, applying for or transferring to an RBC Avion Visa Infinite, RBC Avion Visa Platinum, or RBC Avion Visa Infinite Privilege card as of the offer eligibility period, 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. For complete terms and conditions that apply to the Avion Rewards Program, please visit www.avionrewards.com or call 1-800-769-2512.

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To take advantage of this offer, you must be a resident of Canada and age of majority by October 31, 2023 and you must not have an existing Personal Banking Account with Royal Bank of Canada or any of its deposit taking subsidiaries at the beginning of the “Promotional Period” on May 2, 2023, or in the prior five year period, and otherwise comply with the terms of the offer. You will be eligible to receive a complimentary Apple iPad (Apple 10th Generation Wi-Fi iPad 64GB, Model # MPQ03VC/A (Silver); MPQ13VC/A (Blue); MPQ23VC/A (Yellow); MPQ33VC/A (Pink)), when you 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 9PM EST October 31, 2023 and complete two of the following ”Qualifying Criteria” by 9PM EST January 9, 2024: set up two pre-authorized payments from the Eligible Personal Banking Account; and/or one automated and recurring payroll or pension direct deposit to the Eligible Personal Banking Account, and/or two eligible bill payments to a service provider from the Eligible Personal Banking Account. RBC has the right to determine what is considered payroll. 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 this offer at any time without notice, even after acceptance by you. Other conditions apply. For full details including defined terms visit www.rbc.com/ipadoffer.

Legal Disclaimer1)

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.

Legal Disclaimer2)

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.

Legal Disclaimer3)

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. On , the Royal Bank Prime Rate was .

Legal Disclaimer4)

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.

Legal Disclaimer5)

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.

Legal Disclaimer6)

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 to external site). 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 Disclaimer7)

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.

Legal Disclaimer8)

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.

Legal Disclaimer9)

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.

Legal Disclaimer10)

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.

Legal Disclaimer11)

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.

Legal Disclaimer12)

Preferred rates are available to Plan members. 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.

Legal Disclaimer13)

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.

Legal Disclaimer14)

Offer available June 1, 2023 to October 31, 2023 (« Promotional Period »)

The Promotional Offer is available to eligible students who, as of the start of the Promotional Period, do not have a Royal Credit Line with Royal Bank of Canada and who otherwise comply with the terms and conditions (the “Terms”) provided herein. The Promotional Offer is: $500 for an eligible individual enrolled in a 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). This Promotional Offer is not intended for medical or dental residents, fellows or practicing professionals. Please speak with an RBC advisor to confirm program eligibility based on your program of study.

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

(i) you must be the Primary applicant for a Royal Credit Line for Medical and Dental Students (“Medical/Dental RCL for Students”) (if your medical or dental studies are in Canada), or for a Royal Credit Line for Students (“Student RCL”) (if your medical or dental studies are outside Canada), with Royal Bank of Canada;

(ii) you must start your Medical/Dental RCL for Students or Student RCL application by 11:59pm EST on October 31, 2023;

(iii) your application must be approved and your Medical/Dental RCL for Students or Student RCL activated by 11:59pm EST on November 10, 2023.

Note: as part of your Medical/Dental RCL for Students or Student RCL application, you must provide proof of enrolment in an eligible medical or dental program described above.

This Promotional Offer is not available in respect of (i) Credit Limit Increases on existing Medical/Dental RCL for Students or Student RCLs; (ii) Medical/Dental RCL for Students or Student RCLs opened prior to the Promotional Period; (iii) Medical/Dental RCL for Students or Student RCLs held by medical or dental residents, fellows, or practicing professionals (iv) Medical/Dental RCL for Students or Student RCLs held or opened by individuals enrolled in programs of study other than an eligible medical or dental program (as described above).

If you qualify to receive the benefit of this Promotional Offer, the amount you qualify to receive, as applicable, will be deposited into your eligible RBC Canadian dollar Personal Banking Account between two (2) and eight (8) weeks of your Medical/Dental RCL for Students or Student RCL’s activation date. To receive the amount for which you have qualified, you must have or open, and maintain in good standing, an active Canadian dollar personal banking account with Royal Bank of Canada. If you do not have such an account as of the date we attempt to deposit the benefit of this Promotional Offer, you will forfeit this amount and be deemed to have not qualified for the Promotional Offer.

Only one Promotional Offer payment per client per activated Medical/Dental RCL for Students or Student RCL. Promotional Offer and Medical/Dental RCL for Students or Student RCL applications are subject to standard Royal Bank of Canada lending criteria and other applicable restrictions.

Legal Disclaimer15)

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.