Banking with RBC has some serious benefits.

^®/™

Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.

All other trademarks are the property of their respective owner(s).

Tickets subject to availability. In order to purchase tickets through RBCxMusic.com, you must authenticate yourself as an RBC client (using your RBC Royal Bank online banking card number/username and password) and purchase through the Ticketmaster application programming interface ("Ticketmaster API"). In order to obtain the applicable discounts, please select the ‘RBCxMusic’ ticket type from the drop down menu. Ticketmaster content (event name, dates, times, venue name, and additional information such as Tickets, Attendees, Orders (“Event Content") are owned by the event organizers and/or Ticketmaster. Any purchase of tickets through the Ticketmaster API will be governed by Ticketmaster’s Terms of Use, located at www.ticketmaster.ca. Royal Bank of Canada (“RBC”) is not responsible for any terms and conditions applicable to your purchases and returns. RBC reserves the right to cancel, modify or withdraw this exclusive access to tickets at any time.

RBC Online Banking is provided by Royal Bank of Canada. RBC Mobile is operated by Royal Bank of Canada, RBC Direct Investing Inc. and RBC Dominion Securities Inc. RBC Canada, RBC Wallet, RBC Rewards and RBC eGift are operated by Royal Bank of Canada.

Unlimited free Interac e-Transfer transactions are available in all Canadian dollar personal banking (chequing) accounts and are not counted toward the free monthly total in accounts with a limited number of free debits. In all Canadian dollar savings accounts, Interac e-Transfer transactions are $1 each, count as a Debit Transaction toward any free monthly total and carry an Excess Debit Transaction fee, if applicable. Interac e-Transfer transactions are not available in US dollar accounts.

RBC Student Banking and RBC No Limit Banking for Students accounts are available to any full-time student upon presentation of student identification. Students who are 25 years of age and older must present proof of student status each year to maintain their eligibility for a student account.

Free Debit Transactions are calculated per Monthly Cycle. $1.25 is charged for each debit over the monthly limit. RBC Virtual Visa Debits, RBC Royal Bank loan payments, RBC Royal Bank mortgage payments, pre-authorized and self-serve RBC Royal Bank credit card payments and contributions to RBC investment accounts (such as GICs, Royal Mutual Funds, Registered Savings Plans, Registered Education Savings Plans, Registered Disability Savings Plans and Tax-Free Savings Accounts) from your RBC Student Banking Account are free of charge. All other Debit Transactions from this Account are counted as Debit Transactions towards the free monthly Debit Transactions included in the Account, and give rise to an Excess Debit Transaction Fee, if the total free monthly Debit Transactions are exceeded.

An ATM operator surcharge (also called convenience fee) may be charged by other ATM operators. The convenience fee is not a Royal Bank fee. It is added directly to the amount of your cash withdrawal. All clients who use non-RBC ATMs may be charged a convenience fee regardless of the type of account they hold.

If you are a post-secondary student and an owner or co-owner of an RBC Student Banking or RBC No Limit Banking for Students account (each, an “Eligible Student Bank Account”) and the primary cardholder of either the Signature RBC Rewards Visa credit card or WestJet RBC Mastercard credit card (each, an “Eligible Student Credit Card”), you may be entitled to a rebate towards the annual fee of your Eligible Student Credit Card, every year. For any other RBC Royal Bank credit card, regular annual fees apply as they are not eligible for a rebate. To benefit from a rebate towards the annual fee of an Eligible Student Credit Card, every year, you must i) complete the Student Information section of the credit card application form in full, ii) remain a student, and iii) be an owner or co-owner of an Eligible Student Bank Account throughout your studies.

Eligible Credit Cards Table

Eligible Credit Cards	Annual Fee Rebate
Signature RBC Rewards Visa	$39
WestJet RBC Mastercard	$39

You will continue to benefit from the rebate on your annual fee i) until you close your Eligible Student Bank Account, or ii) until the Expected Graduation Year you have provided at the opening of your Eligible Student Bank Account differs from the one you have indicated on your credit card application form, the Expected Graduation Year you have provided at the opening of your Eligible Student Bank Account will prevail and be used for determining the expiry of this offer.

Additional cardholders (co-applicants and authorized users) are not eligible for this offer. Only one credit card annual fee rebate per Eligible Student Bank Account is allowed. This means that if this is a jointly held Eligible Student Bank Account, and each co-owner is also the primary cardholder of an Eligible Student Credit Card, only the Primary Owner of the Eligible Student Bank Account will be entitled to the credit card annual fee rebate.

If you have an eligible banking account and two or more qualifying, eligible RBC products in the same geographic location (region), you may receive a partial or full rebate on your Monthly Fee. Some conditions apply. For more information on the Multi Product Rebate visit any RBC Royal Bank branch, call 1-800-769-2511, view the full Disclosures and Agreements Booklet or go to www.rbc.com/multiproductrebate.

The interest rate is an annual interest rate. It is a simple interest calculation. Interest is calculated daily on the closing credit balance and paid monthly. Interest rate is subject to change at any time without notice.

Fees may apply on the account from which the money has been transferred.

Debit Transactions in RBC Leo’s Young Savers Account^® and RBC Student Banking^® Account: RBC Virtual Visa Debits, RBC Royal Bank loan payments, RBC Royal Bank mortgage payments, pre-authorized and self-serve RBC Royal Bank credit card payments and contributions to RBC investment accounts (such as GICs, Royal Mutual Funds, Registered Savings Plans, Registered Education Savings Plans, Registered Disability Savings Plans and Tax-Free Savings Accounts) from the RBC Leo’s Young Savers Account or RBC Student Banking Account are free of charge. All other Debit Transactions from these Accounts are counted as Debit Transactions towards the free monthly Debit Transactions included in the Account, and give rise to an Excess Debit Transaction Fee, if the total free monthly Debit Transactions are exceeded.

Retail Banking: RBC Royal Bank received the highest numerical score among the big five retail banks in the J.D. Power 2016-2018 Canadian Retail Banking Customer Satisfaction Studies. The study is based on responses from nearly 14,000 retail banking customers of Canada’s largest and midsized banks regarding their experiences with their retail bank. It was fielded from June 2017 to January 2018. Your experiences may vary. Visit jdpower.com

RBC Offers are available to clients with an RBC Royal Bank debit card tied to a personal chequing account and/or an eligible RBC Royal Bank credit card. Program access is determined by RBC and based on the client’s preferences and account status. All offers are subject to eligibility. Please refer to the terms and conditions for each specific RBC Offer for more details. RBC Commercial Visa and RBC U.S. Dollar Visa Gold cards are not eligible for RBC Offers. Other exceptions may apply to certain RBC Offers.

This is the account you access with your RBC Royal Bank Client Card when you select the “Chequing” option on a merchant payment terminal or at an automated teller machine. Not available for the Leo’s Young Saver’s Account.

You will earn i) 1 RBC Rewards point for every $1.00 in Gas, Grocery, and Drug Store Purchases you make; and ii) 1 RBC Rewards point for every $2.00 on all other purchases (including pre-authorized bill payments) you make on your card. Purchases made at merchants classified by Visa’s “Merchant Category Code” (MCC) as: (i) “service stations” (MCC 5541) or “automated fuel dispensers” (MCC5542) are “Gas Purchases”; (ii) “grocery stores” (MCC 5411) are “Grocery Purchases”; and (iii) “drug stores & pharmacies” (MCC 5912) are “Drug Store Purchases” (“Eligible MCCs”). Even though some merchants may sell gas, grocery, and drug store merchandise, purchases made at these locations may not necessarily qualify as Eligible MCCs if the merchant is not classified as such by Visa. Also, you may make a purchase at a merchant that is not classified as an Eligible MCC but is located on the premises of a merchant that is classified as an Eligible MCC, in which case your purchase would not qualify as an Eligible MCC. We cannot guarantee that any merchant, operating in whole or in part as a gas, grocery or drug store, is classified as an Eligible MCC and in no event will we be liable or responsible for any claims with respect to a grocery store purchase made at a merchant that is not classified as an Eligible MCC. See sample list of eligible merchants at www.rbcrewards.com/shop. RBC Rewards points are earned on net purchases only; they are not earned on cash advances (balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges or fees, and credits for returns and adjustments will reduce or cancel the points earned by the amounts originally charged.

Refers to Purchase Security and Extended Warranty insurance. Coverage underwritten by RBC General Insurance Company in the province of Quebec and by RBC Insurance Company of Canada in the rest of Canada. All insurance is subject to limitations and exclusions. Purchase Security Insurance provides coverage for direct accidental physical loss or damage to personal property or gifts that are paid in full on your RBC credit card for 90 days from the date of purchase. Refer to the insurance booklet for complete details.

RBC Rewards points are earned on qualifying net purchases only; they are not earned on cash advances (including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges or fees, and credits for returns and adjustments will reduce or cancel the points earned by the amounts originally charged.

If you are a post secondary student and an owner or co-owner of an RBC Student Banking or RBC No Limit Banking for Students account (each, an “Eligible Student Bank Account”) and the primary cardholder of either the Signature^® RBC^® Rewards Visa^‡ credit card or WestJet RBC MasterCard credit card (each, an “Eligible Student Credit Card”), you may be entitled to a rebate towards the annual fee of your Eligible Student Credit Card, every year. For any other RBC Royal Bank credit card, regular annual fees apply as they are not eligible for a rebate.

To benefit from a rebate towards the annual fee of an Eligible Student Credit Card, every year, you must: i) complete the Student Information section of the credit card application form in full, ii) remain a student, and iii) be an owner or co-owner of an Eligible Student Bank Account throughout your studies.

Responsive Table Example

Eligible Credit Cards	Annual Fee Rebate
Signature® RBC Rewards® Visa‡	$39
WestJet RBC® MasterCard‡	$39

You will continue to benefit from the rebate on your annual fee: i) until you close your Eligible Student Bank Account, or ii) until the Expected Graduation Year you have provided at the opening of your Eligible Student Bank Account, whichever comes first. Thereafter, you will no longer receive the rebate on the annual fee. If, for some reason, the Expected Graduation Year you have provided at the opening of your Eligible Student Bank Account differs from the one you have indicated on your credit card application form, the Expected Graduation Year you have provided at the opening of your Eligible Student Bank Account will prevail and be used for determining the expiry of this offer.

Additional cardholders (co-applicants and authorized users) are not eligible for this offer. Only one credit card annual fee rebate per Eligible Student Bank Account is allowed. This means that if this is a jointly held Eligible Student Bank Account, and each co-owner is also the primary cardholder of an Eligible Student Credit Card, only the Primary Owner of the Eligible Student Bank Account will be entitled to the credit card annual fee rebate.

RBC Canada, RBC Wallet, the RBC Rewards app, and RBC Online banking are operated by Royal Bank of Canada. RBC Mobile is operated by Royal Bank of Canada, RBC Direct Investing Inc. and RBC Dominion Securities Inc. Standard message and data charges apply to any Bonus Offers you fulfill using your device.

Your application form must be approved by us to receive the 5,000 bonus RBC Rewards points. The bonus points will appear on your first statement. Additional cardholders, as well as cardholders with existing RBC Royal Bank credit cards, applying for or transferring to an RBC Signature Rewards card are not eligible for this offer. This offer may not be combined or used in conjunction with another offer.

All rewards are subject to availability. The regular redemption rate for RBC Rewards members, is 4,900 RBC Rewards points for $35 in Amazon.ca, iTunes, Starbucks, McCafe, Indigo or Cineplex gift cards (3,500 points for a $25 gift card + 1,400 points for a $10 gift card). Point redemption values may fluctuate. For complete terms, conditions and restrictions that apply to the RBC Rewards program, please visit www.rbcrewards.com or call 1-800-769-2512.

Unlimited means there is no maximum cash back credits you can earn on Grocery Store Purchases and other purchases (up to your available credit limit) per Annual Period. For complete RBC Cash Back Program Terms and Conditions, please visit: www.rbc.com/cashbackterms.

You will earn i) $2.00 back for every $100.00 (2% Cash Back Credit) in Grocery Store Purchases you make, up to a maximum of $6,000 per Annual Period, ii) $1.00 back for every $100.00 (1% Cash Back Credit) in Grocery Store Purchases you make in excess of $6,000 during an Annual Period, unlimited, iii) $0.50 back for every $100.00 (0.5% Cash Back Credit) in Net Purchases you make (including pre-authorized bill payments), other than Grocery Store Purchases, up to a maximum of $6,000 per Annual Period, and iv) $1.00 back for every $100.00 (1% Cash Back Credit) in Net Purchases you make (including pre-authorized bill payments), other than Grocery Store Purchases, in excess of $6,000 during an Annual Period, unlimited. Grocery Store Purchases are purchases made at merchants classified by Mastercard's "Merchant Category Code" as "grocery stores and supermarkets" (MCC 5411). Royal Bank of Canada ("Royal Bank") cannot guarantee that any merchant, operating in whole or in part as a grocery store, is classified by MCC 5411 and in no event will Royal Bank be liable or responsible for any claims with respect to a grocery store purchase made at a merchant that is not classified by MCC 5411. To consult the list of participating merchants, please visit: www.rbc.com/nofeecashbackinfo (opens new window) Provided your New Cash Back Balance is $25.00 or more, Cash Back Credits earned during the year will i) automatically be credited to your January Account balance and appear on your February monthly statement, ii) and/or be credited to your account at any other time, upon request. Cash Back Credits are not earned on cash advances (including balance transfers, cash-like transactions and certain bill payments that are not pre-authorized charges that you set up with a merchant), 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/cashbackterms.

Royal Credit Line for Students is provided by Royal Bank of Canada and is subject to its standard lending criteria. Offer may be changed, withdrawn or extended at any time, without notice. Not available in combination with any other rate discounts, offers or promotions. Some conditions apply. The minimum payment is the accrued interest and, only if applicable, service fees that apply for that period as well as your LoanProtector insurance premium and taxes. Co-signer is required for the following programs: Midwifery, Dental Hygiene, Physician Assistant, Registered Nursing.

Interest rate for Royal Credit Line is based on the Royal Bank Prime Rate, plus or minus a premium or discount depending upon your program of study. Two Royal Credit line cheques may be written during each monthly cycle without charge. A $2.00 Royal Credit Line Cheque Fee applies to each cheque thereafter. Refer to your Student Royal Credit Line Agreement for details.

RBC Online Banking is provided by Royal Bank of Canada. RBC Mobile is operated by Royal Bank of Canada, RBC Direct Investing Inc. and RBC Dominion Securities Inc. RBC Canada, RBC Wallet, RBC Rewards and RBC eGift are operated by Royal Bank of Canada.

Legal Bug ²⁷

This offer is available to any Eligible Student Clients without a Personal Banking Account with Royal Bank of Canada at the beginning of the Promotional Period or in the three year period before the start of the Promotional Period, and who otherwise comply with the Terms of the offer. The Bonus Offer is $60 with an RBC No Limit Banking for Students^® account (monthly fee of $10.95) or $60 with an RBC Student Banking^® account or $25 with an RBC Leo’s Young Savers Account^®. You must open your first new Eligible Personal Banking Account by 9:00 PM EST on January 31, 2020 and complete two of the following Qualifying Criteria by 9:00 PM EST on March 31, 2020 using your Eligible Personal Banking Account: mobile cheque deposit, Interac^‡ e-Transfer; or any purchase - including those done with RBC Virtual Visa^‡ Debit, Interac Flash, Apple Pay^‡, Google Pay^‡, Samsung Pay^‡ or with the RBC Wallet. Qualifying Criteria can be made within RBC Online Banking, RBC Mobile Banking or with your RBC Client Card. Transactions made in branch or through the ATM network, as well as bank fee transactions, are not included as a Qualifying Criteria. No Qualifying Criteria are required to be completed in order to receive the $25 Bonus Offer with the RBC Leo’s Young Savers Account.

The Bonus Offer will be deposited into your Eligible Personal Banking Account within 2 to 8 weeks of completing the Qualifying Criteria, if applicable. Royal Bank of Canada may follow up with Eligible Student Clients to remind them to complete the Qualifying Criteria.

This offer may not be combined or used in conjunction with any other Personal Banking Account offers. Royal Bank of Canada reserves the right to withdraw this offer at any time without notice, even after acceptance by you.

For full details including defined terms visit rbc.com/offerterms60

This offer is available to any Eligible Student Clients without a Personal Banking Account with Royal Bank of Canada within the last 3 years at the time of account opening. The Bonus Offer is $25 with an RBC Leo’s Young Savers Account^®. Available to clients 13 years of age and under. No qualifying transactions or purchases are required for the $25 Bonus Offer with the RBC Leo’s Young Savers Account. The Bonus Offer will be deposited into your Eligible Personal Banking Account within 2 to 8 weeks provided your account remains in good standing. This offer may not be combined or used in conjunction with any other Personal Banking Account offers. Royal Bank of Canada reserves the right to withdraw this offer at any time without notice, even after acceptance by you. You must open your first new Eligible Personal Banking Account by 11:59 PM EST on December 31, 2020.