1) Coverage underwritten by RBC General Insurance Company.
2) Coverage underwritten by RBC Travel Insurance Company.
3) Coverage underwritten by RBC General Insurance Company in Province of Quebec and by RBC Travel Insurance Company in the rest of Canada.
4) Coverage underwritten by Desjardins Financial Security Life Assurance Company.
5) BalanceProtector Premiere^® Plus plan and BalanceProtector Premiere^® plan are creditor's group insurance plans underwritten by Assurant Solutions^‡ and provided to eligible RBC Royal Bank credit card cardholders.
6) RBC Rewards points are earned on net purchases only; they are not earned on cash advances (including RBC Royal Bank Credit Card cheques, balance transfers, cash-like transactions and bill payments), interest charges or fees. Credits for returns and adjustments will reduce or cancel the points earned by the amounts originally charged.
7) 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.
8) Additional points are awarded per dollar spent on qualifying purchases and are in addition to the standard RBC Rewards points you earn per dollar when you pay with your eligible RBC Royal Bank credit card. Certain conditions and restrictions apply. For more details, visit: www.rbcrewards.com/earn-points/index-na.html.
^‡ 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.

^Δ In order to benefit from the introductory rate on cash advances for 10 months, your application form must be received by us by October 31, 2013. The introductory rate offer is applicable to all cash advances (i.e. cash withdrawals from a bank branch or ATM with your RBC Royal Bank credit card, use of RBC Royal Bank credit card cheques, balance transfers, cash-like transactions and certain bill payments). All other account activities, including purchases, are subject to the standard account annual interest rate as shown in the Information Box. Interest is charged from the day the cash advance is made until we receive your payment for the total amount you owe. The introductory rate on cash advances remains in effect through the first 10 monthly credit card statement billing periods (approximately 10 months from account open date). The Interest Rate Chart on your monthly statement will indicate the exact date on which the introductory rate expires as long as you have a remaining balance associated with your introductory rate. If we do not process statements on the expiry date (for example, if it falls on a holiday or weekend), you will continue to benefit from that introductory rate until your statement is prepared, the next processing day. At the expiration of this offer: (i) all cash advances; and (ii) any remaining balances which were subject to the introductory rate under this offer, will be subject to the standard account annual interest rate applicable to cash advances as shown in the Information Box. Your payments will be applied first to interest, then to fees, and then generally to balances with lower interest rates, including balances subject to promotional annual interest rates, before balances with higher interest rates.
^ Point redemption values may fluctuate. For complete terms, conditions and restrictions that apply to the RBC Rewards program, visit www.rbcrewards.com.

All insurance is subject to limitations and exclusions outlined in the Certificate of Insurance distributed in the Welcome Kit. Please refer to your Certificate of Insurance for complete details.