Verbal Consent Confirmation for your RBC Homeline Plan account

As per our conversation, we would like to confirm your consent to receive certain documents, as listed below, in electronic form rather than in paper form. If our conversation took place during the account application process, your consent was conditional on your application being approved and your account being opened. Given those conditions have been met; your consent is now in effect.

Going forward you will receive the following in electronic form in Online Banking:

  1. Monthly Account statements for your RBC Homeline Plan account (your “Account”) provided pursuant to your RBC Homeline Plan Agreement Agreement (“Statements”).
  2. Legal and regulatory information delivered in addition to your Statements, including, without limitation, changes to your RBC Homeline Plan Agreement, credit limit, interest rate, payment information, service fees or other charges (similar to inserts enclosed with paper Statements or information provided on Statements themselves) (“Notifications”).

1. Electronic Delivery.

(a) Through links in Online Banking and links in messages to the Message Centre, you can access any electronic Statements that are currently in your archive of Statements.

(b) If our conversation took place during the account application process, your consent to electronic Statements and Notifications is now in effect, as set out above. Otherwise, your consent to electronic Statements and Notifications was effective as of the time you gave us your verbal consent although depending on your Statement date, you may receive one more paper Statement and/or Notification in the mail.

(c) We will notify you when new electronic Statements and certain electronic Notifications are available by sending messages to the Online Banking Message Centre or through links in messages to the Message Centre.

(d) In addition to the notification in section 1(c) above, you may select to have an Internet email sent to the personal email address you specify in Online Banking advising you that an electronic Statement is available. If you have requested email notification, remember that email is not secure or reliable, and may not be received by you in a timely manner or at all.

2. Statement Options. You or any co-borrower on the Account can change the preference from electronic to paper Statements and Notifications for the Account at any time by contacting any RBC Branch or Royal Direct at 1-800-769-2511. You or any co-borrower on the Account can also make this change by clicking on the Statement and Notification Options link in Online Banking.

3. Contact Information. You will advise us of any changes to the contact information that you have provided in connection with Online Banking.

4. Availability. During the time that you or any co-borrower have chosen to receive electronic Statements, your electronic Statements will be available to you for up to 7 years as long as you’re Account remains open and you continue to be enrolled in Online Banking.

The electronic Notifications and any other notices that we send to you through the Message Centre will be available in the Message Centre for 90 days from the date we first sent them to you in the Message Centre, unless deleted by you.

It is your responsibility to retain a copy of each Statement and Notification by saving or printing a copy while it is available to view in Online Banking. We can provide you with a paper copy of your Statement at our standard fee.

5. Technical Requirements. All electronic Statements and some electronic Notifications are presented as PDF files and you must have Adobe‡ Reader‡ software installed on your computer. We do not own or operate, and are not responsible for, Adobe‡ Reader‡ software.

6. Review Your Electronic Statement. You are required to review your electronic Statement. If you think there is an error, you must contact us within 45 days of the last day of the relevant Statement period or we will consider our records to be correct.

7. Provision of Paper. We may provide you with paper Statements and Notifications if we deem it appropriate or if we are unable to provide you with them electronically.

8. Changes to this Consent. We may change the terms of your consent by providing you with written or electronic notice, including by providing you with notice (i) in your electronic Statement, (ii) in the Message Centre or elsewhere in Online Banking, or (iii) sent to the email address you last provided via Online Banking or to your mailing address last appearing on our records. If you access Online Banking after the effective date of the change it will mean that you have agreed and consented to the change.

9. Definitions. Terms not otherwise defined in this Consent Confirmation will have the definitions set out in your Electronic Access Agreement.

10. Language. You and we have expressly requested that this Agreement and all related documents, including notices, be drawn up in the English language. Vous et nous avons expressément demandé que ce contrat et tout document y afférent, y compris tout avis, soient rédigés en langue anglaise. (Quebec only / Québec seulement).

Please take this opportunity to either print this Verbal Consent Confirmation or save it for future reference. In addition, a copy of this Verbal Consent Confirmation, as amended from time to time, will be available in Online Banking under the "Legal" button in the Web page footer.

If you have any questions in connection with this Verbal Consent Confirmation, contact us at 1-800-769-2511.