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.
◊ All rewards are subject to availability. Point redemption values may fluctuate. Reward shipping (by basic prepaid delivery service), handling and taxes are included with your redemption. For complete terms, conditions and restrictions that apply to the RBC Rewards program, as well as for current point redemption values, please visit: www.rbcrewards.com or call 1-800 ROYAL^® 1-2 (1-800-769-2512).
Δ To receive the 3,000 bonus RBC Rewards points, your application form must be received by August 31, 2012 and approved by us. Upon enrolment, 3,000 bonus points will appear on your first credit card statement. Additional cardholder(s), as well as existing RBC Rewards Visa gold 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.

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.