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 Royal Credit Line account (your “Account”) provided pursuant to your Royal Credit Line Agreement (“Statements”).
2. Legal and regulatory information delivered in addition to your Statements, including, without limitation, changes to your Royal Credit Line Agreement, 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”).

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 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 in accordance with this Verbal Consent Confirmation and the Royal Credit Line Agreement, 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. Review Your Electronic Statement.
   
   You are required to review all of your Statements in accordance with the provisions of the Royal Credit Line Agreement.


7. 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.


8. 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 electronic 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.


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


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

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).

    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.