Terms and Conditions - RBC^® British Airways Visa Infinite^‡ card

**) To receive the 15,000 Avios welcome bonus, your application form must be received by November 30, 2012 and approved by Royal Bank of Canada. Please allow up to 10 weeks after receiving your card for the 15,000 Avios welcome bonus to be posted to your British Airways Executive Club account. The additional 35,000 bonus Avios will be awarded to you within 10 weeks after a total of $5,000 or more in qualifying purchase and bill payment transactions has been posted to your credit card account during the first 3 full monthly statement periods (approximately 3 months from the date your account is opened), provided your account is in good standing at that time. This offer is only available to new RBC British Airways Visa Infinite cardholders who are members of the British Airways Executive Club Programme. Additional cardholders, as well as existing RBC British Airways Visa Infinite cardholders as of the offer eligibility period, are not eligible for this offer. This offer may not be combined or used in conjunction with any other offer. British Airways reserves the right to withdraw this offer at any time. Other conditions may apply. For more information on this offer, please visit www.ba.com/RBCTAKEMETHERE .

^) Members will be responsible for paying the taxes, fees, charges, including airline surcharges related to the Reward flight and Companion ticket. For full Terms and Conditions of the British Airways Executive Club programme, please visit www.ba.com .

◊) Calendar year refers to the time period starting from January 1st through to December 31st in the same year.

Δ) Subject to taxes, fees, charges and surcharges, including airline surcharges.

θ) A roundtrip transatlantic ticket in economy class to London on British Airways starts at 40,000 Avios. All applicable taxes, fees, charges, and airline surcharges of approximately $600CAD for economy class and approximately $900CAD for business class at the time of publication, are the responsibility of the traveller. For more details, including full guidelines on Reward Flights, visit www.ba.com/theclub .

†) Exclusive of cash advances, interest charges, service fees or credits. Where applicable, Avios are awarded based on the Canadian dollar equivalent of foreign currency purchase transactions.

††) If the previous New Balance was not paid in full by the Payment Due Date, your Payment Due Date will be extended to 25 days from the last day of your credit card statement period regardless of the type of credit card you hold.

§) Double Avios apply to the amount of the credit card charge only, not the number of miles flown. Tickets must be issued on British Airways ticket stock.

˜) Trademark of Aimia Proprietary Loyalty Canada Inc.
The InfoProtector services are provided by Aimia Proprietary Loyalty Canada Inc.; they, not RBC Royal Bank, are responsible for the program.

1) Coverage underwritten by RBC General Insurance Company.

2) Coverage underwritten by RBC Insurance Company of Canada.

3) Coverage underwritten by RBC General Insurance Company in the Province of Quebec and by RBC Insurance Company of Canada in the rest of Canada.

4) Coverage underwritten by Desjardins Financial Security Life Assurance Company.

5) BalanceProtector^® Max plan is a creditor's group insurance plan underwritten by Assurant Solutions^‡ and provided to eligible RBC Royal Bank credit card cardholders.

6) Up to your available credit limit. All insurance is subject to limitations and exclusions. Please refer to the insurance certificates included in your Welcome Kit for complete details.

^‡ Assurant Solutions is a registered trademark of Assurant Inc. Assurant Services Canada Inc., American Bankers Life Assurance Company of Florida, American Bankers Insurance Company of Florida, and their affiliates, carry on business in Canada under the name of Assurant Solutions.