The following agreement and consent (this “Consent”) will govern the electronic delivery of Statements and Notifications (each as defined below) to you.

You consent to the electronic delivery of your Statements and Notifications subject to the following terms and conditions:

1. Definitions.   In this Consent:
   
   “Card Account” means an RBC Royal Bank credit card account that we have opened in your name for which you have selected electronic Statements and Notifications as your delivery option;
   
   “Card Information” means important information that is attached to your Statement (similar to the information located on the back of paper Statements);
   
   “Digital Banking” means our Online Banking and Mobile Banking services;
   
   “Legal Information” means legal and regulatory information delivered with your Statements, including, without limitation, changes to your RBC Royal Bank Credit Card Agreement or pricing changes (similar to inserts enclosed with paper Statements or information provided on Statement themselves);
   
   “Message Centre” means our online communication centre located in Online Banking where information may be securely communicated between you and us;
   
   “Notifications” means Card Information and Legal Information;
   
   “Statements” means monthly account statements provided pursuant to your RBC Royal Bank Credit Card Agreement; and
   
   “You” and “Your” mean the individual who is enrolled to access this Online Banking service and who is the primary applicant for the Card Account and “we”, “us” and “our” mean Royal Bank of Canada.



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

2. Consent to Receive Electronic Delivery of Statements and Notifications.  You consent to receive Statements and Notifications in electronic form in Online Banking rather than in paper form.


3. When Consent Takes Effect.  Your consent to electronic Statements and Notifications takes effect immediately, although depending on your Statement date, you may receive one more paper Statement(s) and/or Notification(s) in the mail.


4. Electronic Delivery.   You acknowledge that:
   1. Electronic Statements that are currently in your archive of Statements may be accessed through links in Digital Banking and links in messages to the Message Centre.
   2. Card Information and certain Legal Information may appear on the Statements themselves.  All other Legal Information will be sent through messages to the Message Centre or through links in messages to the Message Centre.
   3. We will notify you when new electronic Statements and certain electronic Notifications are available by sending messages to the Message Centre. 
   4. In addition to the notification in 4(c) above, if you have provided us with your personal email address, an email will also be sent to you advising that your electronic Statement is available.  If you prefer not to receive these email notifications, you can change your email preferences in Online Banking.
   5. You understand and agree that:
      1. you will access Online Banking on at least a monthly basis in order to review your electronic Statements and Notifications;
      2. if you have requested email notification remember, (i) email communication is not secure or reliable and the email notification may not be received by you in a timely manner or at all, (ii) you must notify us of any change to your email address, and (iii) your request to receive email notification does not in any way change your obligations to access Online Banking at least once a month to review your electronic Statements and Notifications; and
      3. we will not be responsible to you in any way for any damages or costs incurred by you as a result of your failure to: (i) receive an email notification, (ii) review your electronic Statements and Notifications, or (iii) pay any amounts owing as indicated on your electronic Statements, including, but not limited to, any interest you may have to pay.


5. Document Options.  You can change your preference from electronic to paper Statements and Notifications at any time by contacting any RBC Royal Bank Branch or Royal Direct at 1-800-769-2512.  You can also make this change by clicking on the “Statements/ Documents”  link in Online Banking or on the “Statements” link under “Settings” in the “More” menu in Mobile Banking.


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


7. Availability.   During the time that you have chosen to receive electronic Statements and Notifications, your electronic Statements will be available to you for up to 7 years as long as your 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 up to 90 days from the date we first sent them to you in the Message Centre, unless deleted by you.
   
   The electronic Card Information will be available for viewing with your three most recent electronic Statements.  If you require Card Information from before that time, please contact us.
   
   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 or Mobile Banking (if applicable).  We can provide you with a paper copy of your Statement at our standard fee.


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


9. Co-Applicant Access to Card Statements.  If there is a co-applicant card on your Card Account or one is added later, that co-applicant will be able to see any current or archived electronic Statement from the time they were added to your Card Account, if they have Digital Banking as well.


10. Review Your Electronic Statement. You are required to review your electronic Statement.  If you think there is an error, you must contact us within 30 days of the Statement date or we will consider our records to be correct, except for credits improperly applied to your Card Account.


11. Payment.  You will no longer be provided with the paper remittance form required to mail a cheque to us.  If you choose to pay us by cheque through the mail, please include your account number on the back of the cheque.  You can also pay via Digital Banking or Telephone Banking, at a branch or at an ATM.


12. 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.


13. Changes to this Consent. We may change the terms of this 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 Digital Banking or to your mailing address last appearing on our records. If you access Digital Banking after the effective date of the change it will mean that you have agreed and consented to the change.


14. Language. You and we have expressly requested that this Consent 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.


15. Other Agreements.  This Consent does not replace any other agreement you may have with us, which continue to apply.

Please take this opportunity to either print this Consent or save it to your hard drive for future reference. In addition, a copy of this Consent, as amended from time to time, will be available under the "Legal" link, located at the bottom of the page in Online Banking and under the “More” menu in Mobile Banking.