U.S. Account Selector

Disclosures & Cardholder Agreement

RBC Bank is RBC Bank (Georgia), National Association ("RBC Bank"), a wholly owned U.S. banking subsidiary of Royal Bank of Canada, and is a member of the U.S. Federal Deposit Insurance Corporation ("FDIC"). U.S. deposit accounts are insured by the FDIC up to the maximum amount permissible by law. U.S. banking products and services are offered and provided by RBC Bank. Canadian Banking products and services are offered and provided by Royal Bank of Canada. U.S. deposit accounts are not insured by the Canada Deposit Insurance Corporation ("CDIC").

1) Limits apply. A maximum of three deposits per day totaling no more than $3,500 in deposited items applies. You may transmit a maximum of nine deposits over any five consecutive business days totaling no more than $7,000 in deposited items. Contact us for higher limits if needed.

2) Maximum transaction limits may apply and are subject to change. Availability of the money will depend on the time it is sent from RBC Royal Bank or RBC Bank. Transaction may not appear on RBC Bank (U.S.) statement until the following day but will reflect the date of transfer.

3) Standard account fees and transaction limitations will apply. If ATM fees apply, during the process, you will be notified of the fee and will be required to accept the fee if you desire to complete the transaction.

4) Additional credit card transaction fees will apply as follows: Balance Transfers - Either $10 or 3% of the amount of each transfer, whichever is greater (after the end of the introductory period, the maximum fee is $99). The Balance Transfer fee has no maximum during the introductory period (first 6 monthly billing cycles); thereafter, this fee will be a maximum of $99 per Balance Transfer. Cash Advances - Either $5 or 3.5% of the amount of each Cash Advance, whichever is greater. Foreign Transaction Fee - 1.5% of the U.S. Dollar amount of foreign transaction regardless of whether the transaction is made in U.S. Dollars or in a foreign currency (Exception: Puerto Rico and U.S. Virgin Islands). Late Payment Fee- up to $35. Returned Payment Fee - up to $35.

5) Offer applies to new accounts only. Product transfers are not eligible. Bonus RBC Rewards point offers cannot be combined. All rewards are subject to availability. For complete terms, conditions and restrictions that apply to the RBC Rewards program, please visit: www.rbcbankrewards.com   or call 1-888-257-6837.

6) When transferring points, points are converted at a 2 to 1 ratio from RBC Bank to RBC Royal Bank of Canada - meaning for every 2 RBC Bank Rewards points transferred, you will receive 1 RBC Royal Bank of Canada RBC Rewards points. Once points are transferred, points will be guided by the Terms and Conditions of the RBC Rewards Program at RBC Royal Bank of Canada. For complete terms, conditions and restrictions that apply to the RBC Rewards program, please visit: www.rbcbankrewards.com   or call 1-888-257-6837.

7) All insurance is subject to limitations and exclusions. Insurance products are offered by Visa and are not insured by the FDIC or any federal government agency and are not a deposit or other obligation of, or guaranteed by, any bank or bank affiliate.

® / ™ Trademarks 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 owners.

All loans and lines of credit are subject to approval.

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