1) You will earn $1.00 back for every $100.00 (1% cash back credit) in net purchases you make, up to a maximum of $25, 000 in net purchases per annual period, when you use your RBC Visa Cash Back card to pay, including when you arrange for pre-authorized payments on your Cash Back account. Cash back credits are not earned on cash advances (including RBC Royal Bank credit card cheques, balance transfers, cash-like transactions and certain bill payments), 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/cashback

2) To receive the $20 Cash Back Credit, your application form must be received by October 31, 2013 and approved by us. Please allow 4–6 weeks for the $20 Cash Back Credit to appear on your credit card statement after the first transaction date. Cash Back Credits earned during the year will automatically be applied to your January 2012 monthly statement (if your account is in good standing). Additional cardholders, as well as existing RBC Visa Cash Back cardholders, are not eligible for this offer. This offer may not be combined or used in conjunction with any other offer.

5) The maximum amount of Cash Back Credit you can earn per Annual Period is $250.00, based on the maximum of $25,000.00 in Net Purchases. However, we may decide that some promotions will allow you to earn Cash Back Credits in addition to the maximum amount of $25,000.00 in Net Purchases.

6) The maximum amount of Cash Back Bonus you can earn is $250.00 (or $5,000.00 in grocery Net Purchases). However, this $5,000.00 in grocery Net Purchases may be above the maximum of $25,000 in Net Purchases per Annual Period for which you earn 1% Cash Back Credit.