As per our conversation, we would like to confirm your consent to receive certain documents, as listed below, in electronic rather than in paper form. If our conversation took place during the account application process, your consent was conditional on your application being approved and your account being opened. Given those conditions have been met, your consent is now in effect.

Going forward you will receive the following in electronic form in Online Banking:

1. Monthly Account statements for your RBC Royal Bank credit card account (your “Account”) provided pursuant to your RBC Royal Bank Credit Card Agreement (“Statements”).


2. Legal and regulatory information delivered in addition to your Statements, including, without limitation, changes to your RBC Royal Bank Credit Card Agreement, pricing changes, credit limit, interest rate, payment information, service fees or other charges(similar to inserts enclosed with paper Statements or information provided on Statements themselves) (“Notifications”).

Important information about your Statement (similar to information on the back of paper statements (“Card Information”). Legal Information and Card Information are referred to as “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(s) and/or Notification(s) 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 Statement(s) and Notification(s);
   
   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 Statement, including, but not limited to, any interest you may have to pay
   
   


2. Document Options. You 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 can also make this change yourself by clicking on the “Statements/Documents” and 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 have chosen to receive electronic Statements, your electronic Statements will be available to you for up to 7 years as long as your 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. Co-Applicant Access to Statements. If there is a co-applicant card on your Account or one is added later, that co-applicant will be able to see any current or archived electronic Statement from the time they were added to your Account, if they have Online Banking and/or Mobile Banking as well.


7. Review Your Electronic Statement. You are required to review your electronic Statements. If you think there is an error, you must contact us within 30 days of the last day of the relevant Statement period or we will consider our records to be correct.


8. Payment. You will no longer be provided with the paper remittance form required to mail a cheque to us. If you choose to pay us by cheque through the mail, please include your Account number on the back of the cheque. You can also 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 Verbal 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 Consent Confirmation does not replace any other agreement you may have 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 Mobile Banking.