Following our recent conversation, we would like to confirm your consent to receive the following in electronic form in Online Banking rather than in paper form:

1. Monthly Account statements (“Statements”)for your RBC Royal Bank Business credit card(s)
   (your “Business Card(s)”) issued on your Account provided pursuant to your RBC Royal Bank Business Credit Card Agreement or any other agreement applicable to your Account (the “Agreement”).


2. Documents relating to the Account we may send for the Business Card(s) to you and/or Cardholders (as defined in the Agreement) from time to time including, but not limited to, changes to the Agreement or pricing changes, an insert enclosed with a paper Statement or information provided on a Statement, legal and regulatory information that we may be required by law to send you or, with your consent, any marketing offer; (“Notifications”).

1. Electronic Delivery.
   
   (a) Through links in Online Banking, Mobile Banking and links in messages to the Online Banking Message Centre, you can access any electronic Statements that are currently in your archive of Statements.
   
   (b) If our conversation took place during the account application process, your consent to electronic Statements and Notifications is now in effect, as set out above. Otherwise, your consent to electronic Statements and Notifications was effective as of the time you gave us your verbal consent although depending on your Statement date, you may receive one more paper Statement and/or Notification in the mail.
   
   (c) We will notify you when new electronic Statements and certain electronic Notifications are available by sending messages to the Online Banking Message Centre or through links in messages to the Message Centre.
   
   (d) In addition to the notification in section 1(c) above, if you have provided us with your personal email address, an email will also be sent to you advising that your electronic Statement is available.  If you prefer not to receive these email notifications, you can change your email preferences in Online Banking..
   
   (e) You acknowledge the following:
   

       i. you will access Online Banking on at least a monthly basis in order to review your electronic Statements and Notifications;

       ii. if you have requested email notification remember, (i) email communication is not secure or reliable and the email notification may not be received by you in a timely manner or at all, (ii) you must notify us of any change to your email address, and (iii) your request to receive email notification does not in any way change your obligations to access Online Banking at least once a month to review your electronic Statements and Notifications; and

       iii. we will not be responsible to you in any way for any damages or costs incurred by you as a result of your failure to: (i) receive an email notification, (ii) review your electronic Statements and Notifications, or (iii) pay any amounts owing as indicated on your electronic Statements, including, but not limited to, any interest you may have to pay



2. Document Options. You or any co-borrower on the Account can change your preference from electronic to paper Statements and Notifications for the Account at any time by contacting any RBC Branch or Royal Direct at 1-800-769-2511. You or any co-borrower on the Account can also make this change by clicking on the “Statements/Documents”  link in Online Banking or on the ‘Statements” link under “Settings” in the “More” menu in Mobile Banking.


3. Contact Information. You will advise us of any changes to the contact information that you have provided in connection with Online Banking or Mobile Banking.


4. Availability. During the time that you or any co-borrower have chosen to receive electronic Statements, your electronic Statements will be available to you for up to 7 years as long as you’re Account remains open and you continue to be enrolled in Online Banking.
   

   The electronic Notifications and any other notices that we send to you through the Message Centre will be available in the Message Centre for 90 days from the date we first sent them to you in the Message Centre, unless deleted by you.

   It is your responsibility to retain a copy of each Statement and Notification by saving or printing a copy while it is available to view in Online Banking or Mobile Banking (if applicable). We can provide you with a paper copy of your Statement at our standard fee.



5. Technical Requirements. All electronic Statements and some electronic Notifications are presented as PDF files and you must have Adobe‡ Reader‡ software installed on your Electronic Access Device. We do not own or operate, and are not responsible for, Adobe Reader software.


6. Access to Electronic Documents. You are required to review all of your Statements in accordance with the provisions of the RBC Homeline Plan Agreement.


7. Review Your Electronic Statement. As you have chosen to receive electronic Statements and Notifications, the Statements and Notifications will only be made available to you and will not be sent directly to each Cardholder.


8. Payment. You will no longer be provided with the paper remittance form required to mail a cheque to us. For your convenience, you can pay via Online Banking, Mobile Banking or Telephone Banking, at a branch or at an ATM.


9. Provision of Paper. We may provide you with paper Statements and Notifications if we deem it appropriate or if we are unable to provide you with them electronically.


10. Changes to this Consent. We may change the terms of your consent by providing you with written or electronic notice, including by providing you with notice (i) in your Statement, (ii) in the Message Centre or elsewhere in Online Banking or Mobile Banking, or (iii) sent to the email address you last provided via Online Banking or Mobile Banking or to your mailing address last appearing on our records. If you access Online Banking or Mobile Banking after the effective date of the change it will mean that you have agreed and consented to the change.


11. Definitions. Terms not otherwise defined in this Consent Confirmation will have the definitions set out in your Electronic Access Agreement.


12. Language. You and we have expressly requested that this Agreement and all related documents, including notices, be drawn up in the English language. Vous et nous avons expressément demandé que ce contrat et tout document y afférent, y compris tout avis, soient rédigés en langue anglaise. (Quebec only / Québec seulement).


13. Other Agreements. This Verbal Confirmation Consent applies in addition to any other agreement you have entered into with us, which continue to apply.

Please take this opportunity to either print this Verbal Consent Confirmation or save it for future reference. In addition, a copy of this Verbal Consent Confirmation, as amended from time to time, will be available under the "Legal" link, located  at the bottom of the page in Online Banking and under the “More” menu in Mobile Banking .

If you have any questions in connection with this Verbal Consent Confirmation, contact us at 1-800-769-2511.