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 related to your personal deposit account (your “Account”) (“Statements”); and


2. Notices that we are required by law to send you in writing, including changes to the Account Disclosures, increases in fees, information about an applicable rate of interest  and the introduction of new fees applicable to your Account (similar to inserts enclosed with paper Statements or information provided on Statements themselves) (“Notifications”). If you are converted to or switch to a new account type, Notifications include the account disclosures, agreements and any interest rate applicable to the new account. “Account Disclosures” means the terms and conditions and disclosures pertaining to your personal deposit account as amended from time to time including the Personal Deposit Account Client Agreement and any applicable interest rates.
   
   1. Electronic Delivery Process. You acknowledge that:
      (a) Through links in Online Banking and 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) Important information about your Account and certain Notifications may appear on the Statements themselves.  All other Notifications will be sent through the Online Banking Message Centre or through links in messages to the Message Centre. 
      (c) Your consent to electronic Statements and Notifications takes effect immediately although depending on your Statement date, you may receive one more paper Statement(s) and/or Notification(s) in the mail.
      (d) 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.
      (e) In addition to the notification in section 2(d) 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.. 
      (f) You understand and agree that:

       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 Statement sand 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 as provided in these terms and conditions and in accordance with the Account Disclosures.



3. Statement and Notification Options. You (in connection with a sole owner personal deposit account) or any co-owner (in connection with a joint personal deposit account), other than the RBC High Interest eSavings® account , RBC U.S. High Interest eSavings® account, and the NOMI Find & Save ® account,  can change the preference from electronic to paper Statements and Notifications for the Account at any time by contacting any RBC Branch or Royal Direct.  You, or any co-owner, 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. 
   If you (the sole owner of a personal deposit account or any co-owner of a joint personal deposit account) would like a paper copy of a Notification for your RBC High Interest eSavings account,your RBC U.S. High Interest eSavings account, or your NOMI Find & Save account, you can contact us at 1-800-Royal 11. 


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


5. Availability.  During the time that you or any co-owner, if applicable, has chosen electronic Statements, your electronic Statements will be available for up to 7 years as long as your Account remains open and you continue to be enrolled in Online Banking. The electronic Notifications will be available in the Message Centre for up to 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 document by printing or saving 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 any Statement that you have received electronically at our standard fee, if applicable.


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


7. Review your Electronic Statement. You are required to review your Statements in accordance with the provisions of the Account Disclosures. If you think there is an error, you must contact us within 45 days from the date of your electronic Statement or we will consider our records to be correct. 


8. 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.


9. Changes to this Consent. We may change this Consent, other than those terms required by law, 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.


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


11. 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).


12. Other Agreements.  This Consent does not replace any other agreement you may have with us, which continue to apply.

Please take this opportunity to either print this Consent or save it for future reference. In addition, a copy of this Consent, 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.