Students, get $100 or more^1,2 depending on your program of study when you open a new student line of credit^*

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Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada. All other trademarks are the property of their respective owners.

^*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.

Promotional Offer for Individuals Enrolled in Undergraduate/General Programs, or Professional Program

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: $100 for an eligible individual enrolled in an Undergraduate or General Program, or $200 for an eligible individual enrolled in a Professional Program (as described below).

“General Program” means all undergraduate and graduate programs, such as a master’s degree or Doctor of Philosophy degree (PhD), excluding Professional Programs. “Professional Program” means professional graduate or specialized health science programs. Individuals enrolled in Medical or Dental programs of study are ineligible for this Promotional Offer, but may be eligible for other Royal Bank of Canada promotional offers specific to individuals enrolled in such programs. Additional conditions apply. Please speak with an RBC Credit Advisor to confirm your eligibility for this Promotional Offer and whether your program of study meets the criteria of a General Program, or Professional Program, as applicable.

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

(i) you must be the Primary applicant for a Royal Credit Line for Students (“Student RCL”) with Royal Bank of Canada;

(ii) you must start your Student RCL application by 11:59pm EST on October 31, 2023;

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

Note: as part of your Student RCL application, you must provide proof of your enrolment in an eligible General Program, or Professional Program, as applicable.

This Promotional Offer is not available in respect of (i) Credit Limit Increases on existing Student RCLs; (ii) Student RCLs that were opened prior to the Promotional Period; (iii) Student RCLs held by individuals who have already completed their studies (as applicable), even if their Student RCL remains open during or after the Promotional Period; (iv) Student RCLs held or opened by individuals enrolled in programs of study other than an eligible general or professional programs (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 Student RCL or Medical/Dental RCL for Students activation date. In order 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 Student RCL or Medical/Dental RCL for Students. Promotional Offer and Student RCL or Medical/Dental RCL for Students applications are subject to standard Royal Bank of Canada lending criteria and other applicable restrictions.

Promotional Offer for Individuals Enrolled in Medical and Dental Programs

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.

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.

To be considered an eligible student for the purposes of one of the promotional offers described above, you must be enrolled in an eligible program of study at the post-secondary level at a college, university, or other educational institution, as more particularly described in the terms and conditions for the relevant promotional offer. Proof of enrollment may be required. See also notes 1 and 2 (above) for additional details regarding promotional offer eligibility based on programs of study.

“RBC 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 .

RBC Healthcare Advantage is available to eligible medical and dental students, residents, and practicing 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.

Offer available June 1, 2023 – October 31, 2023 (“Promotional Period”)

This Promotional offer is available to any Eligible Student Client without a Personal Banking Account with Royal Bank of Canada at the beginning of the Promotional Period or in the three-year period before the start of the Promotional Period, and who otherwise comply with the Terms of the Promotional offer. The Bonus Offer is $100 with an Eligible Personal Banking Account.

To qualify for the $100 you must open your first new Eligible Personal Banking Account by 9:00 PM EST on October 31, 2023 and complete one of the following Qualifying Criteria by 9:00 PM EST on December 29, 2023 using your Eligible Personal Banking Account:

• i. a minimum of three (3) debit transactions;
• ii. register your Eligible Personal Banking Account for Interac auto deposit and make one (1) e-Transfer using RBC Online Banking or the RBC Mobile app; or
• iii. enroll for a Virtual Visa Debit Card and make one (1) transaction

NOTE: Qualifying Debit Transactions are defined as Bill Payments or purchase transaction using any of the following: your RBC Client Card, an RBC Virtual Visa Debit card associated with your Eligible Personal Banking Account, Interac Flash, Apple Pay, Google Pay, Samsung Pay. Transactions carried out at an RBC Royal Bank branch or through the RBC Royal Bank ATM network, and bank fee transactions, are not included as qualifying transactions

NOTE: You must be at least 14 years of age to obtain an RBC Virtual Visa Debit card. As such, option iii. (above) of this section is only available to individuals who meet this minimum age requirement; if you are below the age of 14 and participate in this Promotional Offer, you must select one of the other eligible transaction types described.

The $100 cash component of the Bonus Offer will be deposited into your Eligible Personal Banking Account within 2 to 8 weeks of completing the Qualifying Criteria, if applicable. Royal Bank of Canada may follow up with Eligible Student Clients to remind them to complete the Qualifying Criteria.

This offer may not be combined or used in conjunction with any other Personal Banking Account offers. Royal Bank of Canada reserves the right to withdraw this offer at any time without notice, even after acceptance by you. For full details including defined terms visit rbc.com/studentterms