Legal Disclaimer1)

Prime minus 0.25% offer is only available to RBC Healthcare Advantage Pro plan members. Prime Rate means the variable annual interest rate announced by Royal Bank of Canada from time to time as a reference rate for determining interest rates on Canadian dollar commercial loans in Canada. The rate applying to an RBC Business Term Loan or Royal Business Operating Line will change based on changes to the Prime Rate. The RBC Business Term Loan and Royal Business Operating Line of Credit is provided by Royal Bank of Canada and is subject to its standard lending criteria. The offer may be changed, withdrawn or extended at any time, without notice. On , the Royal Bank Prime Rate was . Not available in combination with any other rate discounts, offers or promotions.

Legal Disclaimer2)

A $30 monthly fee for the RBC VIP Banking account will be waived for the duration you are a RBC Healthcare Advantage Pro Plan member. The $30 monthly fee will be automatically charged based on your next monthly cycle if you are no longer a Plan member. This offer shall not be combined with any other personal banking account offer or promotion. Only one fee waiver per client, no matter how many RBC VIP Banking accounts are opened, whether in sole or joint ownership. To benefit from the fee waiver, all your eligible accounts with us must remain in good standing and you must have an active RBC VIP Banking account and an Eligible Credit Card that is active and in good standing at all times for the duration that you are a member of the Plan.

Legal Disclaimer3)

Monthly fee for the RBC Digital Choice Banking account will be rebated for the duration client is a member of the Plan. The fee rebate will be posted to your account within 10 business days following the posting of the fee to your account. This offer shall not be combined with any other business banking account offer or promotion. The monthly fee for the RBC Digital Choice Banking account is $6 and will be applied after once a client in no longer a Plan member. Only one fee rebate per client, no matter how many RBC Business Banking accounts are opened, whether in sole or joint ownership. To benefit from the fee rebate, all your accounts with us must remain in good standing during the fee rebate period, and you must be a RBC Healthcare Advantage Plan member. We reserve the right, in our sole discretion, to revoke this offer to any person we believe to be manipulating or otherwise abusing the process, fairness, integrity or operation of the offer. Other conditions may apply. See branch for details. This offer may be withdrawn at any time and is subject to change without notice.

Legal Disclaimer4)

To receive the annual fee rebate, you must be a RBC Healthcare Advantage Pro Plan member and your application form must be received by January 31, 2025 and approved by us. The annual fee rebate for one year is only offered to the first Primary Business Cardholder on the account; additional business owner(s) Cardholder(s) are not eligible for this offer. This offer may not be combined or used in conjunction with any other offer. Royal Bank of Canada reserves the right to cancel, modify or withdraw this offer at any time.

Legal Disclaimer5)

To receive the 35,000 welcome Avion points (“Welcome points”), your application must be approved by us. Upon enrolment, the Welcome points will appear on your first credit card statement after your application has been approved. Only the primary business owner on the account is eligible for the Welcome Points; additional business owner(s) and cardholder(s), existing RBC Avion Visa Infinite Business cardholders, as well as former RBC Avion Visa Business cardholders, applying for or transferring to the RBC Avion Visa Infinite Business credit card, are not eligible for this offer. This offer may not be combined or used in conjunction with any other offer. Royal Bank of Canada reserves the right to cancel, modify or withdraw this offer at any time, including if we suspect that you may be manipulating or abusing it, or engaging in any suspicious or fraudulent activity, as determined by Royal Bank of Canada in its sole discretion.

Legal Disclaimer6)

Subject to credit approval. As a sole or joint owner of an RBC VIP Banking (VIP) account and the primary cardholder of one of the eligible credit cards listed below, the annual fee of that eligible credit card will be fully or partially rebated (as indicated below), every year, as long as your credit card remains in good standing and you remain a VIP account owner. Additional cardholders’ annual fee is also fully or partially rebated (as indicated below), every year, as long as your eligible credit card remains in good standing and you remain a VIP account owner. Only one credit card annual fee rebate per VIP account is allowed, which means that if you own a joint VIP account and each co-owner is also the primary cardholder of an eligible credit card, only the primary owner of the VIP account will be entitled to the credit card annual fee rebate. If you already have a VIP account, the rebate will be applied at the time you open your eligible credit card account. If you open your VIP account after you have opened your eligible credit card account, the rebate will be applied at your next annual renewal and won't be applied retroactively. Other conditions and restrictions apply. Royal Bank of Canada reserves the right to withdraw this offer at any time, even after acceptance by you. Rebates that apply to eligible credit cards are: (i) partial rebate of $120 for the primary cardholder and $50 for the co-applicant on the annual fee of an RBC Avion Visa Infinite Privilege card, and (ii) annual fee fully rebated for the primary cardholder and the additional cardholders (co-applicant and authorized users) on any of the following cards: RBC Avion Visa Infinite, RBC Rewards Visa Preferred, RBC British Airways Visa Infinite and WestJet RBC World Elite Mastercard.

Legal Disclaimer7)

For RBC Avion Visa Infinite or RBC Avion Visa Platinum credit card:

This offer only applies to new applications for an RBC Avion Visa Infinite or RBC Avion Visa Platinum credit card received between November 26, 2024 and January 15, 2025 (“Offer Period”) and approved by Royal Bank of Canada, subject to the conditions below. Additional cardholders(s) (co-applicant and authorized user(s)) on the Eligible Credit Card account, as well as existing cardholders on any RBC Royal Bank personal credit card transferring to an Eligible Credit Card account, are not eligible for this offer.

35,000 welcome Avion points (“Welcome Points”) will appear on your monthly credit card statement within sixty (60) days after your application has been approved, provided that your Eligible Credit Card account remains open and in good standing at the time the Welcome points are credited to your account, “good standing” meaning that your Credit Card Account must not be past due for more than two (2) consecutive credit card account statement periods, closed, charged off or in credit revoked status.

If you close or change your Eligible Credit Card for another type of RBC Royal Bank credit card before the Welcome Points have been credited to your account, you may lose the benefit of this offer. This offer may not be combined or used in conjunction with any other offer. Royal Bank reserves the right to cancel, modify or withdraw this offer at any time without notice, even after your application has been approved, including if we suspect that you may be manipulating or abusing it, or engaging in any suspicious or fraudulent activity, as determined by Royal Bank in its sole discretion. For complete terms and conditions that apply to the Avion Rewards Program, please visit www.avionrewards.com (opens new window) or call 1-800-769-2512.

For RBC Avion Visa Infinite Privilege credit card:

This offer only applies to new applications for an RBC Avion Visa Infinite Privilege credit card received between May 1, 2024 and January 15, 2025 (“Offer Period”) and approved by Royal Bank of Canada (“Royal Bank”) subject to the conditions below. Additional cardholders(s) (co-applicant and authorized user(s)) on the RBC Avion Visa Infinite Privilege credit card account, as well as existing cardholders on any RBC Royal Bank personal credit card account transferring to an RBC Avion Visa Infinite Privilege credit card account during the Offer Period, are not eligible for the offer.

35,000 welcome Avion points (“Welcome Points”) will appear on your monthly credit card statement within sixty (60) days after your application has been approved, provided that your RBC Avion Visa Infinite Privilege credit card account (“Credit Card Account”) remains open and in good standing at the time the Welcome points are credited to your account, “good standing” meaning that your Credit Card Account must not be past due for more than two (2) consecutive credit card account statement periods, closed, charged off or in credit revoked status.

You will receive 20,000 bonus Avion points (“Bonus Points”) if a total of $5,000 or more (“Qualifying Transaction Amount”) in qualifying net purchases and/or pre-authorized bill payment transactions (“Qualifying Transactions”) are posted to your Credit Card Account within the first six (6) months from your Credit Card Account opening date (“Period”). The Bonus Points will appear on your monthly credit card statement within sixty (60) days after you reach $5,000 in Qualifying Transactions, provided your Credit Card Account remains open and in good standing at the time the Bonus Points are credited to your account.

Qualifying Transactions exclude 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 and fees, and credits for returns and adjustments posted to your Credit Card account during the Period will reduce the amount of your Qualifying Transactions. The Qualifying Transaction Amount is based on the transaction posting date of each Qualifying Transaction, not the transaction date. This means that transactions that take place prior to the last day of the Period will not be considered for the Qualifying Transaction Amount if they have not yet been posted or processed by the merchant, the payment network (Visa) or Royal Bank by the last day of the Period.

15,000 additional Avion points (“Anniversary Points”) will appear on your monthly credit card statement within twelve (12) to sixteen (16) weeks after the one- year anniversary of your account opening, provided that your account remains open and in good standing at the time the Anniversary Points are credited to your account.

If you close or change your Credit Card Account for another type of RBC Royal Bank credit card before the Welcome Points, the Bonus Points and/or the Anniversary Points have been credited to your account, you may lose the benefit of this offer. This offer may not be combined or used in conjunction with any other offer. Royal Bank reserves the right to cancel, modify or withdraw this offer at any time without notice, even after your application has been approved, including if we suspect that you may be manipulating or abusing it, or engaging in any suspicious or fraudulent activity, as determined by Royal Bank in its sole discretion. For complete terms and conditions that apply to the Avion Rewards Program, please visit www.avionrewards.com (opens new window) or call 1-800-769-2512.

Legal Disclaimer8)

For general redemption terms, conditions and restrictions that apply to the Avion Rewards program, please visit: www.avionrewards.com/terms-and-conditions/(opens link in new window) or call 1-800-769-2512.

Legal Disclaimer9)

Mutual funds are sold by Royal Mutual Funds Inc. (RMFI). Guaranteed investment certificates and RBC Investment Savings Accounts are offered through Royal Bank of Canada and may be held in RMFI investment accounts where RMFI holds the asset in its name, as nominee. RMFI, RBC Global Asset Management Inc., Royal Bank of Canada, Royal Trust Corporation of Canada and The Royal Trust Company are separate corporate entities which are affiliated. RMFI is licensed as a financial services firm in the province of Quebec.

Legal Disclaimer10)

A discounted 1% service fee is available to RBC Healthcare Advantage Plan members who sign up for the Comprehensive Plan. The service fee (regularly 1.95%) is charged on all paid claims in a billing cycle. The discount will be honoured for a minimum of 12 months from the date of subscription, and may be extended at the sole option of RBC Medical Billing Inc. RBC Medical Billing Inc., not Royal Bank of Canada, is responsible for the terms and conditions associated with your product subscription. Only available in Ontario, Alberta and British Columbia. For further details on Dr.Bill, visit www.dr-bill.ca(opens to external site). Dr.Bill is powered by RBC Medical Billing Inc., a subsidiary of Royal Bank of Canada. Dr.Bill/RBC reserves the right to switch a user back to standard pricing on all product plans when a user is no longer eligible based on the above criteria. RBC confirms offer eligibility on a monthly basis with Dr.Bill. There will be a 30-day pricing grace period for all users that switch to standard pricing when no longer eligible for the RBC/Dr.Bill discount.

Legal Disclaimer11)

Discount of 20% off the Chime Work Flow Management Product monthly subscription fee available until December 31, 2024 to RBC Healthcare Advantage Plan members. The discount will be honoured for a minimum of 12 months from the date of subscription, at the sole option of Chime. No discount will be applied on the Provider’s one-time fixed or up-front fees, including hardware and installation costs. Chime Technology Inc. not Royal Bank of Canada, is responsible for the terms and conditions associated with your product subscription. For further details on Chime services, visit www.chimeclinic.com (Opens link in new window).

Legal Disclaimer12)

Available only to RBC Healthcare Advantage plan members who are located in Quebec, Canada who do not have an existing account with Facturation.net prior to July 1, 2021. When you sign up with Facturation.net for the first time, you will receive a 15% discount off the monthly subscription fee of the Elite billing plan (regularly $200/month per physician). The discount will be honoured for a minimum of 12 months from the date of subscription, and may be extended at the sole option of Facturation.net. Offer expires October 10, 2024. Facturation.net, not Royal Bank of Canada, is responsible for the terms and conditions associated with your product subscription. Offer may be amended or withdrawn at any time. For further details, visit www.facturation.net (Opens link in new window).

Legal Disclaimer13)

RBC Healthcare Advantage Plan members will receive a 15% discount on any one-time fees with ClearDent’s Practice Management Software and value-add solutions. An additional 15% off any recurring fees is available for a period of three (3) years from the service start date, after which ClearDent may offer its standard in-market pricing. For ClearDent customers with existing value-add solutions, the discount will only apply on the solution’s renewal date. ClearDent will not provide retroactive discounts. Offer may not be combined with any other ClearDent offer and is available until November 30, 2024. The customer must enroll for a minimum term of one (1) year from the date of enrollment. Prococious Technology Inc., not Royal Bank of Canada, is responsible for the terms and conditions associated with your product subscription. Prococious Technology Inc. does not make ClearDent products and services available to users in the Province of Quebec. For further details on ClearDent services, visit www.cleardent.com (Opens link in new window).

Legal Disclaimer14)

New ADP clients in Canada and ADP Clients who have previously only obtained Complimentary Access to ADP HR AssistSM, that are referred by RBC and are members of RBC Healthcare Advantage, RBC Healthcare Advantage Pro or RBC Healthcare Advantage Private Banking Plans are eligible to receive a 30% discount in base fees and per employee per pay run fees when you are referred RBC by October 31, 2024 and have entered into ADP’s standard form services agreement by November 30, 2024. Free implementation is included with this offer. The discount is applicable for the lifetime of your relationship with ADP. Cannot be combined with any other promotions

Legal Disclaimer15)

Members of RBC Healthcare Advantage, RBC Healthcare Advantage Pro or RBC Healthcare Advantage Private Banking Plans who are referred by RBC are eligible to receive a 30% discount on the following ADP standard recurring processing fees (if applicable) for the following: Base fees, Per employee/per processing fees, Per employee/per month fees, and General Ledger Interface. The discount will apply only on the following products: TeamPay by ADP^®, ADP Workforce Now On the Go^®, and ADP HR Assist^®. The discounted fees and applicable products may be changed by ADP in its discretion, from time to time.The discounted fees and applicable products may be changed by ADP in its discretion, from time to time. The discount excludes pass through and other costs including, but not limited to: courier fees or other delivery fees; set up, training, installation, sale, rental or leasing of equipment or software; custom programming; maintenance; provision by ADP of cheques, forms or other supplies; any fees for Client conversion, consulting or professional services; official bank cheques; special one-time reports, including tax reports; ADP products or services not in existence on the date hereof; any other Services that are not expressly set out above; screening services or third party recruitment services which may be available as part of ADP Workforce Now® Comprehensive Services; applicable year-end processing fees (including T4 forms); refundable deposits or third-party pass-through charges (including delivery charges); or sales, service or excise taxes. Nothing in this paragraph shall amend or modify the standard terms and conditions of the ADP services agreement entered into by any referred members.

Legal Disclaimer16)

The $30 multi-user monthly fee and $50 enrolment fee waivers for RBC Express Core Services are available to RBC Dentist clients with an RBC business banking account who are members of RBC Healthcare Advantage, RBC Healthcare Advantage Pro or RBC Healthcare Advantage Private Banking Plan. Offer includes fee waiver for first RSA SecurID^® hard token ($50 value). Offer available until July 31, 2024 and may be withdrawn at any time. RBC Express is governed by terms and conditions agreed to by the customer at the time of enrollment.

Legal Disclaimer17)

To take advantage of this offer you must not have held an RBC InvestEase account prior to June 1, 2024. This offer applies to your first RBC InvestEase account only. Accounts opened from June 1, 2024 to December 31, 2024 using promo code SA523 will not be charged the regular 0.5% management fee by RBC InvestEase for 6 months from the date of account opening. RBC InvestEase will notify clients 60 days in advance of any changes to the fees associated with their account as set out in the investment management agreement. A weighted average management expense ratio will still apply to the ETFs held in our portfolios. For further information please refer to Pricing on https://www.rbcinvestease.com/. This offer cannot be combined with any other offers. RBC InvestEase Inc. reserves the right to amend or withdraw this offer at any time without notice.

Legal Disclaimer18)

Preferred rates are available to Plan members. Eligible fees and costs, up to $5000 include: transfer out fees, account closure fees, administration costs, trading costs (fees to sell equity, fixed income or other securities excluding mutual funds). Costs not covered include Deferred Sales Charges (DSC), tax liability of liquidating assets, mutual fund sell, short term trading costs or any other fees or commissions that may be incurred on the redemption of existing mutual funds.

Legal Disclaimer19)

Prime minus 0.25% offer is available to Plan members. RBC Homeline Plan rate is an annual rate and is based on our Prime Rate minus 0.250%. To view the current RBC Prime Rate, please go to www.rbcroyalbank.com/rates/prime.html. Interest rate will change as our prime rate changes and without notice. On , the Royal Bank Prime Rate was . This offer is only available to clients approved for a line of credit under the RBC Homeline Plan and does not apply to any other credit line product offered by Royal Bank of Canada including but not limited to a credit line secured by real property that is not part of an RBC Homeline Plan. To benefit from the Prime Rate minus 0.25%, your mortgage must remain in good standing.