Legal Disclaimer®/™)

RBC Royal Bank | Royal Bank of Canada
RBC WaterPark Place, 88 Queens Quay West, 12th Floor, Toronto, ON, M5J 0B8, Canada
www.rbcroyalbank.com

Legal Disclaimer©)

RBC Direct Investing Inc. and Royal Bank of Canada are separate corporate entities which are affiliated. RBC Direct Investing Inc. is a wholly owned subsidiary of Royal Bank of Canada and is a Member of the Canadian Investment Regulatory Organization and the Canadian Investor Protection Fund. Royal Bank of Canada and certain of its issuers are related to RBC Direct Investing Inc. RBC Direct Investing Inc. does not provide investment advice or recommendations regarding the purchase or sale of any securities. Investors are responsible for their own investment decisions. RBC Direct Investing is a business name used by RBC Direct Investing Inc. ^® / ™ Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada. Used under licence. © Royal Bank of Canada 2024.

Legal Disclaimer1/*)

You must be a Canadian resident and not have an account with RBC Direct Investing as of the day before the first day of the Offer Period (defined below). By opening one or more new RBC Direct Investing accounts ("Eligible Account[s]") and using the offer code between and inclusive (the "Offer Period"), you will receive a rebate of trade commission fees ("Qualifying Commissions") for up to 100 trades of exchange-listed securities on a North American exchange (which includes equities and ETF products only, and excludes trades in options) at $9.95 CDN or US per trade to the value of $995 when placing trades in any of your Eligible Accounts through the RBC Direct Investing online investing site, Trading Dashboard, or the RBC Mobile^~ app ("Qualifying Trades"). The Qualifying Commissions rebate will apply to your Eligible Account(s) for a period of two years from the day you open the first Eligible Account, and will be deposited into the Eligible Account in which the trade was placed within 3 to 5 business days after your Qualifying Trade is filled. The Offer is non-transferable and is not valid in conjunction with any other RBC Direct Investing offer or promotion. You are solely liable for any tax consequences associated with the Offer, including any taxes owing for your account in connection with the Offer. Please consult your tax advisor for any specific questions regarding your personal circumstances and accepting the Offer. This Offer may be amended or withdrawn at any time. View full Terms & Conditions.

Legal Disclaimer2)

After the 100 commission free trades have been used or the two years have expired, all RBC Direct Investing clients pay $9.95 flat CDN or U.S. per Canadian or U.S. equity trade with no minimum account balance or trading activity required. A lesser fee of $6.95 flat CDN or U.S. per Canadian or U.S. equity trade applies when you trade 150 times or more per quarter, and only to trades placed through an available Automated Service (such term is defined in RBC Direct Investing’s Operation of Account Agreement), and includes the online investing site and mobile application. Additional terms and conditions apply. For complete details, including international trading commissions, visit Pricing or call 1 800 769 2560.

Legal Disclaimer3)

Fund transfers in CAD or USD from an RBC Royal Bank account to your RBC Direct Investing account using RBC Online Banking, Direct Investing Online Investing, or the RBC Mobile app are processed in real time between the hours of 4:30 a.m. and 7:54 p.m. ET, seven days a week. Transfers into an RBC Direct Investing account made outside of these hours will be processed the following day. Transfers out of your RBC Direct Investing account (Locked-in, Registered Retirement Income Fund, and Registered Education Savings Plan accounts excluded) to an RBC Royal Bank account are processed in real-time between 9:00 a.m. and 4:00 p.m. ET, Monday to Friday (excluding Canadian holidays). Transfers out of your RBC Direct Investing account made outside of these hours will be processed the next business day.

Legal Disclaimer4)

Real-time streaming quotes are available automatically to all clients for exchange listed equities, ETFs and most over-the-counter (OTC) securities. Real-time streaming quotes for options and grey market OTC securities are available to all clients upon accepting the terms and conditions of all exchange agreements on the RBC Direct Investing online investing site.

Legal Disclaimer5)

Legal Disclaimer†

Legal Disclaimer‡)

All other trademarks are the property of their respective owner(s).

RBC Direct Investing Inc., RBC InvestEase Inc., and Royal Bank of Canada are separate corporate entities which are affiliated. RBC Direct Investing Inc. is a wholly owned subsidiary of Royal Bank of Canada and is a Member of the Canadian Investment Regulatory Organization and the Canadian Investor Protection Fund. Royal Bank of Canada and certain of its issuers are related to RBC Direct Investing Inc. RBC Direct Investing Inc. does not provide investment advice or recommendations regarding the purchase or sale of any securities. Investors are responsible for their own investment decisions. RBC Direct Investing is a business name used by RBC Direct Investing Inc.

RBC InvestEase Inc. is a restricted portfolio manager providing access to model portfolios consisting of RBC iShares ETFs. Each model portfolio holds up to 100% of RBC iShares ETFs. RBC iShares ETFs are comprised of RBC ETFs managed by RBC Global Asset Management Inc. (RBC GAM) and iShares ETFs managed by BlackRock Canada Limited (BlackRock Canada). RBC GAM and BlackRock Canada entered into a strategic alliance to bring together their respective ETF products under the RBC iShares brand, and to offer a unified distribution support and service model for RBC iShares ETFs.

Other products and services may be offered by one or more separate corporate entities that are affiliated to RBC InvestEase Inc., including without limitation: Royal Bank of Canada, RBC Direct Investing Inc., RBC Dominion Securities Inc., RBC Global Asset Management Inc., Royal Trust Corporation of Canada and The Royal Trust Company. RBC InvestEase Inc. is a wholly-owned subsidiary of Royal Bank of Canada and uses the business name RBC InvestEase.

The services provided by RBC Direct Investing and RBC InvestEase are only available in Canada.

Legal Disclaimer1)

Under the ‘Summer Cash Back Plus’ offer (the “Offer”), you may receive a 1% Cash Reward and up to 100 Commission-Free Trades.

To be eligible for the Offer, you must –

• be a new RBC Direct Investing client. A new client is a client that has not had an RBC Direct Investing Account before the first day of the Offer Period (as defined below);
• open one or more eligible RBC Direct Investing account(s) (“Eligible Account(s)”) using the Offer code (SMR11) between July 25, 2024 and September 26th, 2024 inclusive (the “Offer Period”); and
• be a Canadian resident and at least the age of majority in your province/territory at the time of opening the Eligible Account(s).

To qualify to receive up to 100 Commission-Free Trades under the Offer:

• Trade Canadian or US exchange-listed securities in your new Eligible Account(s) via the RBC Direct Investing online investing site or the RBC Mobile^† app (“Qualifying Trades”) within two years from the date of opening the first Eligible Account.
• You will receive a rebate of trade commission fees paid on up to 100 Qualifying Trades that are placed during the two-year period. The rebate will be deposited into the Eligible Account used to place the trade within 3 to 5 business days after your Qualifying Trade is filled.
• No rebates will be paid after the two-year period, and any unused rebates under the Offer will expire.
• Simply place Qualifying Trades in your new Eligible Accounts within two years of opening your first Eligible Account to receive the Commission-Free trades. There is no minimum funding requirement.

To qualify to receive the 1% Cash Reward under the Offer:

• Transfer a minimum of C$15,000 cash and/or securities into your new Eligible Account(s) by November 29th, 2024 inclusive from another institution not affiliated with RBC (“Transferred Assets”). Multiple transfers may be initiated into your Eligible Account(s) to satisfy the minimum qualifying amount, which will be considered cumulatively across all Eligible Account(s). Transferred Assets originating from an account held at RBC Direct Investing or received in your Eligible Account(s) after November 29th, 2024 do not qualify.
• You must maintain the minimum amount of Transferred Assets in the Eligible Account(s) from November 29th, 2024 until November 14th, 2025 inclusive to receive the 1% Cash Reward under the Offer.
• The 1% Cash Reward is based on the Transferred Assets received into your Eligible Account(s), less any withdrawals from any Eligible Account(s) between July 25, 2024 and November 14th, 2025. The maximum Cash Reward a client can receive under the Offer is $10,000.
• The Cash Reward will be paid out in December 2025.

This Offer cannot be combined with any other RBC Direct Investing offer or promotion, is non-transferrable, and cannot be applied retroactively. Only one Cash Reward will be awarded per client. Only one client per account with multiple account holders (e.g., joint account holders) may participate in this Offer. This Offer may be modified, restricted, withdrawn or extended at any time without notice at the sole discretion of RBC Direct Investing and is subject to the full terms and conditions that you will receive with your Offer confirmation once you open an Eligible Account(s) using the Offer code.

Legal Disclaimer2)

Fund transfers in CAD or USD from an RBC Royal Bank account to your RBC Direct Investing account using RBC Online Banking, Direct Investing Online Investing, or the RBC Mobile app are processed in real time between the hours of 4:30 a.m. and 7:54 p.m. ET, seven days a week. Transfers into an RBC Direct Investing account made outside of these hours will be processed the following day. Transfers out of your RBC Direct Investing account (Locked-in, Registered Retirement Income Fund, and Registered Education Savings Plan accounts excluded) to an RBC Royal Bank account are processed in real-time between 9:00 a.m. and 4:00 p.m. ET, Monday to Friday (excluding Canadian holidays). Transfers out of your RBC Direct Investing account made outside of these hours will be processed the next business day.

Legal Disclaimer3)

Real-time streaming quotes are available automatically to all clients for exchange listed equities, ETFs and most over-the-counter (OTC) securities. Real-time streaming quotes for options and grey market OTC securities are available to all clients upon accepting the terms and conditions of all exchange agreements on the RBC Direct Investing online investing site.

Legal Disclaimer4)

Screeners and data contained therein are provided by Refinitiv^‡ and a third party vendor.

Legal Disclaimer5)

Up to C$200 in transfer fees will be covered when you transfer C$15,000 or more to RBC Direct Investing from an investment account held at a financial institution that is not affiliated with RBC. Clients must provide proof of transfer fee payment to RBC Direct Investing within six months of transfer to be eligible for reimbursement. Please contact an RBC Direct Investing representative for more details at 1 800-769-2560.

Legal Disclaimer†

RBC Mobile is operated by Royal Bank of Canada, RBC Direct Investing Inc. and RBC Dominion Securities Inc.

Legal Disclaimer‡

All other trademarks are the property of their respective owner(s).