Legal Disclaimer

®/TM Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.

† To get $125 worth of gift cards/certificates, you will need a total of 15,000 RBC Rewards® points. You will receive 15,000 RBC Rewards points when you open an RBC VIP Banking® account by November 30, 2013 and fulfill all the other qualifying criteria as indicated in the full terms and conditions available at www.rbc.com/termsandconditions (opens new window) by December 31, 2013. This offer may not be combined or used in conjunction with any other offer. Minimum redemption of 3,000 RBC Rewards points for most $25 gift cards/certificates. Some exceptions apply. Point redemption values may fluctuate. For general redemption terms, conditions and restrictions that apply to the RBC Rewards program, as well as for current point redemption values, please visit www.rbcrewards.com (opens new window) or call 1-800-769-2512

‡ All other trademarks are the property of their respective owner(s).

1) Presumes 10 non-RBC ATM banking transactions per monthly cycle out of which 3 are refunded per Monthly Cycle in the RBC Signature No Limit Banking® account. The additional 7 transactions are charged at $1.50 each totalling $10.50 per month. RBC will refund the Interac‡ network access fee for RBC VIP Banking® account holders, if used. ATM operator surcharge (also called convenience fee) charged by other ATM operators may apply and be added directly to the amount of your cash withdrawal. The convenience fee is not a Royal Bank fee. It is added directly to the amount of your cash withdrawal. All clients who use non-RBC ATMs may be charged a convenience fee by the other ATM operator regardless of the type of account they hold with us.

2) Presumes 10 Interac e-Transfers per monthly cycle, out of which 5 are free in the RBC Signature No Limit Banking® account. The additional 5 Interac e-Transfers are charged at $1.00 each totaling $5.00 per month. Totals are not cumulative and, if not used, cannot be carried over into the next monthly cycle.

3) Presumes the annual fee premium card (Visa Infinite‡ Avion® at $120) minus the $35 rebate applied as part of the Signature No Limit Banking account. As a sole or joint owner of an RBC VIP Banking account, you will benefit from an annual fee rebate on one eligible premium credit card, every year, as long as you remain an RBC VIP Banking account owner. One co-applicant’s annual fee is also rebated, every year, as long as you remain an RBC VIP Banking account owner. For full offer details and list of eligible credit cards, go to www.rbc.com/termsandconditions (opens new window).

4) Presumes two RBC Day to Day Banking accounts at a monthly fee of $4 each and one U.S. Personal Account® at a monthly fee of $2 totalling $10.00. Eligible Canadian dollar accounts include any two of the following banking accounts with the monthly fees waived: RBC Day to Day Banking®, RBC Enhanced Savings® and RBC Day to Day Savings®. The eligible U.S. dollar Account is the U.S. Personal Account®. Note: Due to system limitations all accounts must be opened by a client in the same geographic location or region to be recognized for this bundling feature. If you have questions, speak to your branch.

5) Presumes a small safety deposit box size at an annual fee of $45 (As of June 1st 2013, fee is changing to $45 from $40) minus the $12 discount applied as part of the Signature No Limit banking account ($33/12 months = $2.75 per month) Annual safety deposit box discount for VIP banking account is $45 (new fee effective June 1st, 2013), which would make a small deposit box free. The annual rental fee for the safe deposit box minus the discount will be debited from the account in January of each calendar year for the upcoming year, unless you select a different account for the payment. If you open an account at any time after the Safe Deposit Box fees have been collected that year, the discount on your safe deposit box fees will not be pro-rated and applied to the partial first year. The discount will commence and be applied to the safe deposit box fees in the following year. You are entitled to only one safe deposit box discount per account even if you have more than one safe deposit box. If you hold more than one qualifying account and only one safe deposit box, only one discount will be applied to the fees for that safe deposit box.

6) Presumes 2 certified cheques a year at $15.00 each as part of the Signature No Limit Banking account ($30/12 months = $2.50 per month). As a VIP banking account holder, you receive 2 free certified cheques per calendar year. One certificate per account. Can be used towards any preferred supplier vacation package, tour or cruise booking with a minimum value of $2,500, exclusive of taxes. Certificates can be combined: one certificate with each $2,500 worth of travel. Valid for two years from date of issue. For complete terms and conditions applicable to the RBC Rewards program, visit www.rbcrewards.com (opens new window).

7) Presumes 12 drafts a year at $7.50 each of which 6 have the fees waived as part of the Signature No Limit banking account ($45/12 months = $2.50 per month) ..Additional drafts are charged at $7.50 each. As part of the VIP banking account, you receive 12 free drafts per calendar year ($7.50 each therafter).