*

Available only to newcomers to Canada who arrived within the previous 5 years of opening an RBC Advantage Banking account. Must show proof of date of entry into Canada and provide supporting documents, such as landing papers or permanent resident card. This offer may be withdrawn at any time and is subject to change without notice. Monthly fee will be waived for the first twelve months upon account opening of the RBC Advantage Banking account. Thereafter the monthly fee will be charged.

1

Monthly fee will be waived for the first twelve months upon account opening of the RBC Advantage Banking account or RBC VIP Banking account. Thereafter the monthly fee will be charged: monthly fee of $12.95 for the RBC Advantage Banking account or monthly fee of $30.00 for the RBC VIP Banking account. For RBC VIP Banking account, $10,000 CAD must be deposited into the account within 20 days of account opening to qualify for the promotional offer, and offer expires October 31, 2026. Other account transaction fees may apply. Monthly fee waiver for the first twelve months may be replaced with any in-market offer that applies to the RBC Advantage Banking or RBC VIP Banking account. Available only to newcomers; please see the eligibility requirements in above note *. Offer may be withdrawn or amended at any time without notice. See complete terms and conditions that apply to this promotional offer. The monthly fee waiver for newcomers is offered as part of the Commitment on Low-Cost and No-Cost Accounts from the Financial Consumer Agency of Canada (FCAC).

2

The standard Monthly Fee for the RBC Advantage Banking account is $12.95; however, you may be eligible to receive a full or partial rebate on your account's standard Monthly Fee if you meet the criteria applicable to rebates or discounts we offer, as described herein, and in the documents entitled “Personal Deposit Accounts Disclosures and Agreements”(opens pdf in a new window).

Available only to newcomers to Canada who arrived within the previous 5 years of opening an RBC Advantage Banking account. Must show proof of date of entry into Canada and provide supporting documents, such as landing papers or permanent resident card. This offer may be withdrawn at any time and is subject to change without notice. Monthly fee will be waived for the first twelve months upon account opening of the RBC Advantage Banking account. Thereafter the monthly fee will be charged.

3

An ATM operator surcharge (also called convenience fee) may be charged by other ATM operators. The convenience fee is not a Royal Bank fee. It is added directly to the amount of your cash withdrawal. All clients who use non-RBC ATMs may be charged a convenience fee regardless of the type of Account they hold.

4

Available to newcomers who are (i) permanent residents or international students who arrived in Canada within the last 12 months, or (ii) temporary resident workers who arrived in Canada within the last 48 months, provided you meet all of the eligibility and credit criteria of Royal Bank of Canada.

You must apply for the RBC Cash Back Mastercard by October 31, 2026, at an RBC Royal Bank branch, and be approved by us. You will earn an additional $10.00 back for every $100.00 (10% Cash Back Credit) in Net Purchases (including pre-authorized bill payments) charged on your RBC Cash Back Mastercard account within the first 3 months of account opening, up to a maximum total combined spend of $2,000 (“Welcome Bonus”). Thereafter, the standard Cash Back Credit earn rates of up to 2% on Grocery Store Purchases and up to 1% on other Net Purchases (that are not Grocery Store Purchases) apply. The Welcome Bonus is in addition to the standard Cash Back Credit earn rates. Cash Back Credits are not earned on cash advances (including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges or fees, and credits for returns and adjustments will reduce or cancel the cash back credits earned by the amounts originally charged. The Welcome Bonus will appear on your next monthly statement after it was earned, and will be credited as set out in disclosure 29 (below). For complete details on the RBC Cash Back Program including standard earn rates and crediting of Cash Back Rewards, please refer to the RBC Cash Back Program Terms and Conditions at www.rbc.com/cashbackterms(opens pdf in a new window). Offer applies to new RBC Cash Back Mastercard accounts only.

One offer per eligible account. Existing cardholders of any RBC personal credit card, applying for or transferring to an RBC Cash Back Mastercard card, are not eligible for this offer. This offer may not be combined or used in conjunction with any other offer except as otherwise set out. Royal Bank of Canada reserves the right to modify, cancel or withdraw this offer at any time. This offer may be revoked at any time if we suspect you may be manipulating or abusing it, or engaging in any suspicious or fraudulent activity, as determined by Royal Bank of Canada in its sole discretion.

5

An RBC Royal Bank credit card with no credit history required is available to Newcomers who are (i) permanent residents and international students who arrived in Canada within the last 12 months, or (ii) temporary resident workers who arrived in Canada within the last 48 months, provided you meet all of the eligibility and credit criteria of Royal Bank of Canada.

No annual fee is available with the following RBC Royal Bank credit cards: RBC Cash Back Mastercard, RBC Rewards + Visa, RBC Visa Platinum.

Your credit limit will be based on financially related information about you, including income. Offer available to RBC Newcomers who are (i) permanent residents who arrived in Canada within the last 12 months, or (ii) temporary resident workers who arrived in Canada within the last 48 months, applying for a new RBC Royal Bank personal credit card (excluding the RBC Rate Advantage Visa). Existing RBC Royal Bank personal credit card cardholders are not eligible. Royal Bank of Canada reserves the right to cancel, modify or withdraw this offer at any time. Higher credit limits are subject to higher income.

6

Currency conversion fees and service fees by an intermediary or receiving bank may apply. Individual limits may vary. Please refer to your RBC Online Banking or your RBC Mobile App

7

You will earn i) $2.00 back for every $100.00 (2% Cash Back Credit) in Grocery Store Purchases you make, up to a maximum of $6,000 in Grocery Store Purchases and for a maximum Cash Back Reward of $120.00 per Annual Period, ii) $1.00 back for every $100.00 (1% Cash Back Credit) in Grocery Store Purchases you make in excess of $6,000 per Annual Period, unlimited, iii) $0.50 back for every $100.00 (0.5% Cash Back Credit) in Net Purchases you make (including pre-authorized bill payments), other than Grocery Store Purchases, up to a maximum of $6,000 in Net Purchases (other than Grocery Store Purchases) and for a maximum Cash Back Reward of $30.00 per Annual Period, and iv) $1.00 back for every $100.00 (1% Cash Back Credit) in Net Purchases you make (including pre-authorized bill payments), other than Grocery Store Purchases, in excess of $6,000 in Net Purchases (other than Grocery Store Purchases) per Annual Period, unlimited. Grocery Store Purchases are purchases made at merchants classified by Mastercard's "Merchant Category Code" as "grocery stores and supermarkets" (MCC 5411). Royal Bank of Canada ("Royal Bank") cannot guarantee that any merchant, operating in whole or in part as a grocery store, is classified by MCC 5411 and in no event will Royal Bank be liable or responsible for any claims with respect to a grocery store purchase made at a merchant that is not classified by MCC 5411. To consult the list of participating merchants, please visit: www.rbc.com/nofeecashbackinfo(opens in a new window). Provided your New Cash Back Balance is $25.00 or more, Cash Back Credits earned during the year will i) automatically be credited to your January Account balance and appear on your February monthly statement, ii) and/or be credited to your account at any other time, upon request. Cash Back Credits are not earned on cash advances (including balance transfers, cash-like transactions and certain bill payments that are not pre-authorized charges that you set up with a merchant), interest charges or fees, and credits for returns and adjustments will reduce or cancel the Cash Back Credits earned by the amounts originally charged. For complete details, please refer to the RBC Cash Back Program Terms and Conditions at www.rbc.com/cashbackterms(opens pdf in a new window).

8

Unlimited means there is no maximum cash back credits you can earn on Grocery Store Purchases and other purchases (up to your available credit limit) per Annual Period. For complete RBC Cash Back Program Terms and Conditions, please visit: www.rbc.com/cashbackterms(opens pdf in a new window).

9

To qualify for the Personal Banking Promotional Offer, you must meet all the following criteria:

• Be a resident of Canada, and by November 2, 2026 be of the age of majority in the province or territory in which you reside;
• Not have an existing Personal Banking Account with us;
• Never had a Personal Banking Account with us, nor qualified for any of our offers related to opening a Personal Banking Account at any time during the Promotional Period or in the five year period before the start of the Promotional Period;
• Have a valid deliverable email address associated with your client profile with us by November 2, 2026;
• 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 9:00 PM Eastern Time November 2, 2026; and
• Complete two of the following criteria within 90 days of opening the Eligible Personal Banking Account and no later than by 9:00 PM Eastern Time on the 90^th day:
  • Transfer the full amount of your automated and recurring payroll direct deposit or monthly recurring pension direct deposit to your new Eligible Personal Banking Account. RBC has the right to determine what is considered payroll
  • Set up two (2) pre-authorized monthly payments (“PAPs”) from the Eligible Personal Banking Account
  • Set up two (2) eligible bill payments to a service provider from your new Eligible Personal Banking Account

Provided you fulfill the above Personal Banking Qualifying Criteria, you will be eligible to receive a complimentary Apple iPad (Apple 11-inch iPad Wi-Fi 128GB).

To qualify for the Investments Promotional Offer, you must fulfill the Personal Banking Qualifying Criteria above and the Investments Qualifying Criteria below:

• Be the primary account holder of an Eligible Investments Account within 90 days of opening the Eligible Personal Banking Account and no later than by 9:00 PM Eastern Time on the 90^th day;
• Transfer-in or deposit Qualifying Net Contributions of:
  • between C$25,000 to $49,999.99 into any Eligible Investments Account, or collectively into any combination of Eligible Investments Accounts within 90 days of opening the Eligible Personal Banking Account and no later than by 9:00 PM Eastern Time on the 90^th day to be eligible for the iPad Air offer (Apple 11-inch iPad Air Wi-Fi 128GB), or
  • at least C$50,000 into any Eligible Investments Account, or collectively into any combination of Eligible Investments Accounts within 90 days of opening the Eligible Personal Banking Account and no later than by 9:00 PM Eastern Time on the 90^th day to be eligible for the MacBook Air (Apple 13-inch MacBook Air: M5 chip with 10-core CPU and 8-core GPU, 16GB, 512GB SSD) or iPad Pro offer (Apple 11-inch iPad Pro Wi-Fi 256GB with Standard Glass); and
• Maintain the minimum Qualifying Net Contributions required under the Investments Promotional Offer until 365 days after opening the Eligible Personal Banking Account.

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 or amend this offer at any time without notice, even after acceptance by you. Other conditions apply. For full details including defined terms, visit rbc.com/ipadoffer.

10

The standard Monthly Fee for the RBC Signature No Limit Banking account is $16.95; however, you may be eligible to receive a partial rebate on your account's standard Monthly Fee if you meet the criteria applicable to rebates or discounts we offer, as described herein, and in the document entitled “Personal Deposit Accounts Disclosures and Agreements“(opens pdf in a new window).

11

With the “GoSmart $50” offer (the ‘Offer’), you could receive a cash reward of C$50 when you open your first GoSmart Account(s) with RBC Direct Investing.

To qualify, you must -

• 1. Open your first GoSmart account(s) with RBC Direct Investing between January 20, 2026, and July 31, 2026, (inclusive) by scanning the QR code for the Offer or following a promotional link for the Offer.
• 2. Contribute a minimum of C$500 (Five Hundred Canadian Dollars) to your new GoSmart account(s) before April 2, 2027.
• 3. Be a Canadian resident and at least the age of majority in your province/territory at the time of opening your first GoSmart account.

You will receive the C$50 cash reward in your first GoSmart account within 7 (Seven) days of meeting the above qualification criteria. This Offer is exclusively for GoSmart accounts, but may be combined with other RBC Direct Investing promotions. Additional terms and conditions may apply to opening an account with RBC Direct Investing (including a GoSmart Account) which include, without limitation, the requirements set forth in RBC Direct Investing’s Operation of Account Agreement. 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 of the Offer.

GoSmart is a service offered by RBC Direct Investing Inc. 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.

26

ATM - RBC ATM Access fees waived. An ATM operator surcharge (also called convenience fee) may be charged by other ATM operators. The convenience fee is not a Royal Bank fee. It is added directly to the amount of your cash withdrawal. All clients who use non-RBC ATMs may be charged a convenience fee regardless of the type of account they hold. The number of waived fees per month are not cumulative, and if not used, may not be carried over into the next Monthly Cycle.

27

Subject to credit approval. Overdraft interest charge applies if used. If an account is overdrawn, a deposit is required to be made at least once each month, in an amount that will cover the monthly overdraft interest.

28

We will only apply the allowed number of free drafts against the Account where the draft purchase is made. They are not transferable. If you own more than one Account that offers free drafts, it is your responsibility to advise us at the time of purchase.

29

No charge for your first order of RBC style personalized cheques (100 singles or 50 duplicates). A fee applies to all cheques ordered thereafter.

30

Royal Bank style cheques can be ordered only through RBC’s third-party authorized cheque printing service provider. The order must be placed within three years of the Account opening date. The first order is for 100 single or 50 duplicate personalized cheques with no special add-on cheque features and includes shipping and handling.

Legal Disclaimer31

The Bonus Interest Rate on June 12, 2026 of 4.05% within the RBC New eSavings Client Bonus Interest Rate Offer (“Offer”) is available to residents of Canada who are of the age of majority in the province or territory in which they reside as of the date the Eligible eSavings Account is opened and who were not the Primary Owner of an RBC High Interest eSavings Account at any time before the beginning of the Qualifying Period (as defined below), and who open a new RBC High Interest eSavings Account (“Eligible eSavings Account”) as the Primary Owner between June 12, 2026 and 3:00 PM EST on October 27, 2026 (the “Qualifying Period”). (Note: For added clarity, you will not qualify for this Offer by switching from another account type to an Eligible eSavings Account.) The Bonus Interest Rate on June 12, 2026 was 4.05% and is only applicable to deposits made in the Eligible eSavings Account for 3 months (90 days) from the date the Eligible eSavings Account was opened (the “Promotional Period”) and up to a maximum of $1,000,000 of the Eligible eSavings Account’s total balance. Any balances over $1,000,000 will be paid the Regular Interest Rate. “Promotional Interest Rate” is a combination of the Bonus Interest Rate plus the Regular Interest Rate. For example, if on June 12, 2026, the Regular Interest Rate was 0.55% per annum and the Bonus Interest Rate was 4.05% per annum, the Promotional Interest Rate would be 4.60% per annum. The Regular Interest Rate is subject to change without notice, and the most current rate is posted on our Personal Accounts Interest Rates webpage, which may be viewed at https://www.rbcroyalbank.com/rates/persacct.html. At the end of the Promotional Period, all balances will earn interest at the Regular Interest Rate only. Regular Interest Rate and Bonus Interest Rate are annualized rates, and (subject to certain exceptions) are calculated daily and paid monthly. Any Eligible eSavings Account that, prior to the payment of interest at the Bonus Interest Rate, is closed or switched to another product type which is not an RBC High Interest eSavings Account will forfeit any such interest calculated during the month in which the Eligible eSavings Account is closed or switched. Offer and interest rates are subject to change without notice. Offer may be withdrawn at any time. Conditions apply. For other defined terms and complete terms and conditions that apply to this Offer, please visit www.rbc.com/junehisa26.

Legal Disclaimer32)

Total of 90 days: For the purpose of this RBC New eSavings Client Bonus Interest Rate Offer and any related marketing, any reference to a period of 3 months means a period of 90 calendar days regardless of how many calendar days may fall within any given calendar 3-month period.