Conditions, Notices & Trademarks

¹ If you have an eligible banking account and two or more qualifying, eligible RBC^® products in the same geographic location (region), you may receive a partial or full rebate on your Monthly Fee. Some conditions apply. For more information on the MultiProduct Rebate^® visit any RBC Royal Bank branch, call 1-800-769-2511 or view the full Disclosures and Agreements Booklet.

² For clients age 65 or older. Limit one rebate per client. Some conditions and exceptions may apply. May not be combined with MultiProduct Rebate.

³ ATM - RBC ATM Access fees waived
An ATM operator surcharge (also called convenience fee) may be charged by other ATM operators. 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 regardless of the type of account they hold.

ATM use outside Canada
Each account cash withdrawal at an ATM outside Canada displaying the PLUS System symbol, and any fees that may be imposed by any third party for using the ATM, are converted to Canadian dollars at an exchange rate which is 2.5% above the bench mark rate set by the payment card company when the transaction is posted. Exchange rates fluctuate and, as such, the rate applied will usually differ from the posted exchange rate at the time of the transaction.

ATM - Unlimited banking transactions including Interac^‡ and PLUS System network fees waived
ATM operator surcharge (also called a convenience fee) may be charged by other ATM operators. The convenience fee is not a Royal Bank fee and is added directly to the amount of your cash withdrawal. All clients who use non-RBC ATMs may be charged a convenience fee regardless of the type of account they hold. Each account cash withdrawal at an ATM outside Canada displaying the PLUS System symbol, and any fees that may be imposed by any third party for using the ATM, are converted to Canadian dollars at an exchange rate which is 2.5% above the bench mark rate set by the payment card company when the transaction is posted. Exchange rates fluctuate and, as such, the rate applied will usually differ from the posted exchange rate at the time of the transaction.

ATMs - 3 withdrawals from other bank ATMs refunded per Monthly Cycle
ATM operator surcharge (also called a convenience fee) may apply. It is charged by a third party and added directly to the amount of your cash withdrawal. Totals are not cumulative, and if not used, may not be carried over into the next Monthly Cycle.

⁴ Transaction fees may apply for bill payments or funds transfers made through Online Banking and are separate from access fees.

⁵ Subject to credit approval. Overdraft interest charge applies if used. If an account is overdrawn, a deposit is required to be made at least once each month, in an amount that will cover the monthly overdraft interest.

⁶ Totals are not cumulative, and if not used, may not be carried over into the next monthly cycle or calendar year. Excess debit transaction fee may also apply depending on the account.

⁷ Safe Deposit Box fees are collected in January for each calendar year. If you open, switch or are converted to an account that is eligible for a Safe Deposit Box discount at any time after the Safe Deposit Box fees have been collected that year, the discount on those Safe Deposit Box fees will not be pro-rated and applied to the fees of the partial year. The discount will start in the following year and be applied to the Safe Deposit Box fees billed in January of the following year.

⁹ RBC Student Banking^® and RBC No Limit Banking for Students^® accounts are available to any full-time student upon presentation of student identification.

¹⁰ The first inactive account notice is sent when the customer has not performed any transactions between January 01 and December 31 for two consecutive years. An inactive account fee is charged each year the account is inactive, but notices are only sent after the 2nd and 5th year the account has been inactive, if applicable. If the account remains inactive for 9 years, the account is closed and after 10 years of inactivity the funds balance is transferred to Bank of Canada.

¹¹ Canadian Dollar equivalent.

¹² Fee waived if monthly electronic statement is selected.

¹³ On operating account only.

¹⁴ Foreign currency purchases paid by withdrawal from your Canadian dollar account are converted to Canadian dollars at an exchange rate 2.5% over the Interbank Spot Rate (as defined by Acxsys Corp.), effective at time of processing. Since exchange rates fluctuate, the rate applied will usually differ from the posted exchange rate at the time of your purchase.

¹⁵ Subject to credit approval. As a sole or joint owner of an RBC VIP Banking^® (VIP) account and the primary cardholder of one of the eligible credit cards listed below, the annual fee of that eligible credit card will be fully or partially rebated (as indicated below), every year, as long as your credit card remains in good standing and you remain a VIP account owner. Additional cardholders’ annual fee is also fully or partially rebated (as indicated below), every year, as long as your eligible credit card remains in good standing and you remain a VIP account owner. Only one credit card annual fee rebate per VIP account is allowed, which means that if you own a joint VIP account and each co-owner is also the primary cardholder of an eligible credit card, only the primary owner of the VIP account will be entitled to the credit card annual fee rebate. Other conditions and restrictions apply. Rebates that apply to eligible credit cards are: ( i) partial rebate of $120 for the primary cardholder and $50 for the co-applicant on the annual fee of an RBC^® Avion^® Visa Infinite Privilege^‡ card, and (ii) annual fee fully rebated for the primary cardholder and the additional cardholders (co-applicant and authorized users) on any of the following cards: RBC Visa Infinite^‡ Avion^®, RBC Visa Platinum Avion, RBC Rewards^® Visa Preferred, RBC U.S. Dollar Visa Gold, RBC British Airways^‡ Visa Infinite, RBC Cathay Pacific^‡ Visa Platinum, RBC Cash Back Preferred World Elite Mastercard and WestJet RBC World Elite Mastercard^‡.

As a sole or joint owner of an RBC Signature No Limit Banking^® (SNL) account and the primary cardholder of one of the eligible credit cards listed below, the annual fee of that eligible credit card will be fully or partially rebated (depending on the credit card you choose), every year, as long as your eligible card remains in good standing and you remain an SNL account owner. Additional cardholders (co-applicants and authorized users) do not qualify for the annual fee rebate, even if they are also owners of an SNL account. Only one credit card annual fee rebate per SNL account is allowed, which means that if you own a joint SNL account and each co-owner is also the primary cardholder of an eligible credit card, only the primary owner of the SNL account will be entitled to the credit card annual fee rebate. Other conditions and restrictions apply. Rebates that apply to eligible credit cards are: 1) $48 rebate (annual fee fully rebated) for: RBC ION⁺ Visa and WestJet RBC Mastercard^‡ card, or 2) $35 rebate (annual fee partially rebated) for: RBC Avion Visa Infinite Privilege, RBC Visa Infinite^‡ Avion^®, RBC Visa Platinum Avion, RBC Rewards Visa Preferred, RBC U.S. Dollar Visa Gold, RBC British Airways^‡ Visa Infinite, RBC Cathay Pacific^‡ Visa Platinum, RBC Cash Back Preferred World Elite Mastercard and WestJet RBC World Elite Mastercard^‡. Royal Bank of Canada reserves the right to withdraw this offer at any time, even after acceptance by you. Royal Bank of Canada reserves the right to withdraw this offer at any time, even after acceptance by you.

¹⁶ All fees are payable in Canadian dollars, regardless of the currency of the payment.

¹⁷ Additional changes may be deducted from the payment amount by the receiving financial institution and/or its intermediaries.

¹⁸ Inquiries/traces can be subject to fees other than those collected by RBC Royal Bank.

¹⁹ If another bank needs to be contacted, add an additional $25 plus GST.

²⁰ Eligible criteria must be met.

²¹ Fee waived when Senior's rebate applied.

²² The interest rate is an annual interest rate. It is a simple interest calculation. Interest is calculated daily on the closing credit balance and paid monthly. Interest rate is subject to change at any time without notice.

²³ RBC VIP Banking account comes with a choice of up to two additional Canadian dollar deposit accounts, to be selected among the RBC Day to Day Banking^®, RBC Enhanced Savings^® and RBC Day to Day Savings^® accounts, and one additional U.S dollar deposit account, limited to the U.S. Personal Account^®, with the monthly fees waived. Note: Due to system limitations all accounts must be opened by the client in the same geographic location or region to be recognized for this bundling feature. If you have questions, please speak to your branch.

²⁴ One certificate per customer. 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.

²⁵ 1, 2 or 3 additional Avion points are awarded per dollar spent on qualifying purchases made at all Canadian Carlson Wagonlit Travel (“CWT”) locations. Additional points are awarded by CWT and are in addition to the standard Avion points you earn per dollar when you redeem your points or pay with your eligible RBC Royal Bank credit card, and will appear on your credit card statement 4–6 weeks after travel departure date, provided your credit card account was in good standing at time of travel. Additional points for airline tickets are awarded to a maximum of 500 points. Other conditions and restrictions apply. CWT, not Royal Bank of Canada, is responsible for the CWT program. For more details, visit: www.rbcrewards.com/cwtdetails

²⁶ Fees may apply on the account from which the money has been transferred.

²⁷ Fees may apply on the account from which the money has been transferred. Includes RBC Royal Bank and RBC Centura^® and RBC Direct Investing™ accounts in your name only (sole ownership) and those that you share with others (joint ownership). Online transfers are not available for RBC Royal Bank U.S. Dollar Visa* Gold cards.

²⁸ RBC Online Banking is operated by Royal Bank of Canada. RBC Mobile is operated by Royal Bank of Canada, RBC Direct Investing Inc. and RBC Dominion Securities Inc.

²⁹ Excess debit transaction fee may also apply depending on the account. Additional service fees by any intermediary and receiving bank may apply. Currency conversion fees may also apply. The financial institution on the receiving end of the transaction may have other requirements.

³⁰ Not available to recipients in Canada and restricted countries. If your Recipient lives in Canada, you can send them a free Interac e-Transfer from your RBC Royal Bank personal chequing account.

³¹ Rebate for the co-applicant will only occur if the co-applicant incurred an annual fee greater than $34. rebate will not apply if an annual fee was not paid.

³⁸ If you are a post-secondary student and an Account owner of an RBC Advantage^TM Banking Account for students (an “Eligible Student Bank Account”) and the primary cardholder of the RBC ION+^TM Visa^‡, Signature^® RBC^® Rewards Visa credit card, or WestJet RBC MasterCard credit card (each, an “Eligible Student Credit Card”), you may be entitled to a rebate towards the annual fee of your Eligible Student Credit Card, every year. For any other RBC Royal Bank credit card, regular annual fees apply as they are not eligible for a rebate.

To benefit from a rebate towards the annual fee of an Eligible Student Credit Card, you must: i) be approved for an eligible RBC Student Credit Card, ii) Open or Activate an Eligible Student Credit Card, and iii) be an Account owner of an Eligible Student Bank Account.

Responsive Table Example

Eligible Credit Cards	Annual Fee Rebate
RBC ION+TM Visa‡	$4 a month ($48 annually)
Signature® RBC Rewards® Visa	$39
Visa Cash Back Card	$19
WestJet RBC® MasterCard‡	$39

You will continue to benefit from the rebate on your annual fee: i) until you close your Eligible Student Bank Account, or ii) until the Expected Graduation Year you have provided for your Eligible Student Bank Account, whichever comes first. Thereafter, you will no longer receive the rebate on the annual fee. If, for some reason, the Expected Graduation Year you have provided at the opening of your Eligible Student Bank Account differs from the one you have indicated on your credit card application form, the Expected Graduation Year you have provided at the opening of your Eligible Student Bank Account will prevail and be used for determining the expiry of this offer.

Additional cardholders (co-applicants and authorized users) are not eligible for this offer. Only one credit card annual fee rebate per Eligible Student Bank Account is allowed. This means that if this is a jointly held Eligible Student Bank Account, and each co-owner is also the primary cardholder of an Eligible Student Credit Card, only the Primary Owner of the Eligible Student Bank Account will be entitled to the credit card annual fee rebate.

As a sole or joint owner of an RBC Signature No Limit Banking (SNL) account and the primary RBC ION+ Visa cardholder, the $4 monthly fee ($48 annually) of your RBC ION+ Visa card will be fully rebated, every month, as long as your eligible credit card remains in good standing and you remain an SNL account owner. Additional cardholders (co-applicants and authorized users) do not qualify for the annual fee rebate, even if they are also owners of an SNL account. Only one credit card annual fee rebate per SNL account is allowed. Other conditions and restrictions apply. Royal Bank of Canada reserves the right to withdraw this offer at any time, even after acceptance by you.

³⁹ When you use your Virtual Visa Debit Number for a transaction in a currency other than Canadian dollars, we will convert the transaction amount into Canadian dollars at an exchange rate that is 2.5% over a benchmark rate Royal Bank of Canada pays Visa International, a subsidiary of Visa Inc. on the date of the conversion. For most transactions, the authorization amount debited by the merchant at the time of purchase will be adjusted at settlement to reflect changes in the applicable exchange rate.

⁴⁰ Debit transactions made using your Virtual Visa Debit Number do not count against any monthly transaction limits applicable to your personal deposit account. Other account fees may apply. Please see the RBC Royal Bank Disclosures and Agreements related to Personal Deposit Accounts booklet or other applicable account agreement for further details.

⁴¹ When you use Virtual Visa Debit to make a payment:

1. The merchant performs an authorization on your personal deposit account at the time of the purchase and this authorization amount is immediately debited from that account. This process is followed by a settlement, typically 2-3 days after authorization, which finalizes the amount of the purchase and, in some cases, reflects adjustments to the initial authorization amount. When this happens, a credit adjustment in the amount of the original authorization will be credited to your account, followed immediately by a debit adjustment that reflects the final settlement amount of your purchase.
2. The funds are debited from your personal deposit account, which is the account you access with your RBC Royal Bank Client Card when you select the “ Chequing ” option on a point-of-sale terminal or at an ATM. If the account linked to the primary chequing position on your Client Card is changed before a payment has been settled, it may impact the processing of that payment if the merchant needs to adjust the initial authorization amount. The final settlement amount will be processed on the account that is linked to the primary chequing position on your Client Card at the time of settlement, even if a different account was debited for the authorization amount. Please see your RBC Royal Bank Virtual Visa Debit Agreement for further details.

⁴² Applies to RBC Day to Day Banking account only. Limit one rebate per client. Some conditions & exceptions may apply.

⁴³ Proof of any Registered Disability Savings Plan open in your name or for your benefit is required before the rebate will be applied to the banking account fee. Any fees paid before eligibility has been confirmed will not be refunded.

⁴⁴ Eligible accounts for the Right Account Guarantee are: RBC VIP Banking, RBC Signature No Limit Banking, RBC No Limit Banking^®, RBC No Limit Banking for Students and RBC Day to Day Banking. This offer is limited to the monthly fee that applies to the new or upgraded account for the first 3 months the account remains open. You must close the new or upgraded account or switch to another account and apply for the refund within 4 months of account opening or upgrade. If you close the account, we'll refund the monthly fees for the time the account remained open up to a maximum of 3 months. If you downgrade to a lower fee account, we'll refund the difference in monthly fees between the two accounts for the time the higher fee account remained open up to a maximum of 3 months. Offer limited to one account opening or upgrade per customer per calendar year. Offer may be withdrawn at any time without notice.

⁴⁶ Each account cash withdrawal at an ATM outside Canada displaying the PLUS System symbol, and any fees that may be imposed by any third party for using the ATM, are converted to Canadian dollars at an exchange rate which is 2.5% above the bench mark rate set by the payment card company when the transaction is posted. Exchange rates fluctuate and, as such, the rate applied will usually differ from the posted exchange rate at the time of the transaction.

⁴⁸ Debit Transactions in Savings Accounts: RBC Virtual Visa Debits, RBC Royal Bank loan payments, RBC Royal Bank mortgage payments, pre-authorized or self-serve RBC Royal Bank credit card payments, contributions to RBC investment accounts (such as GICs, Royal Mutual Funds, Registered Savings Plans, Registered Education Savings Plans, Registered Disability Savings Plans and Tax-Free Savings Accounts) and electronic self-serve fund transfers from your savings Account to any Account in your name are free of charge. All other Debit Transactions from any Savings Account are counted as Debit Transactions in the Account and give rise to an Excess Debit Transaction Fee, if any free monthly Debit Transaction is exceeded.

⁴⁹ Debit Transactions in RBC Leo’s Young Savers Account^® and RBC Student Banking^® Account: RBC Virtual Visa Debits, Third-party payment Debits, RBC Royal Bank loan payments, RBC Royal Bank mortgage payments, pre-authorized and self-serve RBC Royal Bank credit card payments and contributions to RBC investment accounts (such as GICs, Royal Mutual Funds, Registered Savings Plans, Registered Education Savings Plans, Registered Disability Savings Plans and Tax-Free Savings Accounts) from the RBC Leo’s Young Savers Account or RBC Student Banking Account are free of charge. All other Debit Transactions from these Accounts are counted as Debit Transactions towards the free monthly Debit Transactions included in the Account, and give rise to an Excess Debit Transaction Fee, if the total free monthly Debit Transactions are exceeded. The Leo’s Young Savers Account is not eligible for the RBC Virtual Visa Debit card, and therefore incapable of RBC Virtual Visa Debit Debit Transactions.

⁵⁰ This figure includes your savings from the MultiProduct Rebate if applicable.

⁵¹ Our recommendation is based on the accuracy and completeness of the information provided and is for illustrative and general information purposes only. This tool is not intended to provide specific financial, investment or other advice, and should not be relied upon in that regard. Royal Bank of Canada uses reasonable effort to include accurate and up-to-date information in this tool, but cannot guarantee that all information is accurate or complete or current at all times. Royal Bank of Canada does not make any express or implied warranties or representations with respect to any information or results in connection with the Account Selector tool. Royal Bank of Canada will not be liable for any losses or damages arising from any errors or omissions in any of the information or results, as well as any action or decision made by you in reliance on any information or results.

⁵² If you hold an RBC Direct Investing account as one of your qualifying products, the MultiProduct Rebate may not be applied automatically to your banking account. If your rebate does not appear on your banking account statement at the end of any month for which you hold the eligible products, please notify us immediately. We will not be liable for any MultiProduct rebate for which you may have been eligible before you notified us.

⁵³ RBC Canada is operated by Royal Bank of Canada. RBC Mobile is operated by Royal Bank of Canada, RBC Direct Investing Inc. and RBC Dominion Securities Inc.

⁵⁴ For a definition of an unauthorized transaction and for full details regarding the protections and limitations of the RBC Online Banking Security Guarantee, please see your Electronic Access Agreement. This guarantee is given by Royal Bank of Canada in connection with its Online Banking service.

⁵⁵ To receive 30,000 Avion points and be exempt from the $120 annual fee you must be approved for an RBC VIP Banking^® account, apply and be approved for a RBC Visa Infinite Avion card within 60 days of your bank account open and get approved for the credit card. As a sole or joint owner of an RBC VIP Banking (VIP) account and the primary cardholder on an RBC Visa Infinite Avion account, the $120 annual fee of your RBC Visa Infinite Avion card will be fully rebated, every year, as long as your eligible credit card remains in good standing and you remain a VIP account owner. Co-applicant's $50 annual fee is also fully rebated, every year, as long as your eligible credit card remains in good standing and you remain a VIP account owner. Only one credit card annual fee rebate per VIP account is allowed. Other conditions and restrictions may apply. Upon enrolment, 30,000 bonus Avion points will appear on your first monthly statement. Additional cardholder(s), as well as existing RBC Visa Infinite Avion, Visa Platinum Avion, Cathay Pacific Visa Platinum, RBC^® British Airways Visa Infinite‡, RBC Rewards Visa Preferred cardholders, applying for or transferring to an RBC Visa Infinite Avion card as of the offer eligibility period, are not eligible for this offer. This offer may not be combined or used in conjunction with any other credit card offer. Air Travel Reward redemptions from the Air Travel Redemption Schedule start at 15,000 points for a round trip short-haul flight in economy class with a maximum ticket price of $350. All applicable taxes, service fees and surcharges are the responsibility of the traveler. For more details, including guidelines on redeeming for business class seats, visit www.rbc.com/travelredemption. Some restrictions apply. For completed terms and conditions that apply to the Avion Rewards Program, please visit www.rbcrewards.com or call 1-800-769-2512. Royal Bank of Canada reserves the right to withdraw this offer at any time, even after acceptance by you.

⁵⁶ Avion points are earned on qualifying net purchases only; they are not earned on cash advances, balance transfers, cash-like transactions and certain bill payments, interest charges or fees, and credits for returns and adjustments will reduce or cancel the points earned by the amounts originally charged.

⁵⁷ Each time you use your linked Eligible RBC Card to purchase any grade of gasoline, including diesel, at a Retail Petro-Canada Location, you will save three cents ($0.03) per litre at the time of the transaction. Card linking may take up to 2 business days to process before savings and bonus points can be applied to purchases.
Each time you use your linked Eligible RBC Card to pay for qualifying purchases at a Retail Petro-Canada Location, you will earn a bonus of twenty percent (20%) more Petro-Points than you normally earn, in accordance with the Petro-Points Terms and Conditions.
Each time you use your linked Eligible Avion Rewards Credit Card to pay for purchases at a Retail Petro-Canada Location, you will earn a bonus of twenty percent (20%) more Avion points than you normally earn for every $1 in purchases in accordance with the Avion Rewards Terms and Conditions. Please allow up to ninety (90) days from the date the transaction is posted on your credit card statement for the bonus points to be deposited into Avion Rewards account. Authorized Users are excluded from earning Avion points bonus.
Petro-Canada and Petro-Points are trademarks of Suncor Energy Inc. Used under licence. All other trademarks are the property of their respective owner(s).

⁵⁸ To receive 30,000 Avion points, be exempt from the $120 annual fee your first year and receive your annual fee rebate for following years you must be approved for an Signature No Limit Bank account, apply and be approved for a RBC Visa Infinite Avion card within 60 days of your bank account open and get approved for the credit card. As a sole or joint owner of an RBC Signature No Limit Banking (SNL) account and the primary cardholder of the RBC Visa Infinite Avion, the annual fee will be exempt for the first year ($120) and partially rebated ($35) every year thereafter, as long as your eligible card remains in good standing and you remain an SNL account owner. Additional cardholders (co-applicants and authorized users) do not qualify for the annual fee rebate, even if they are also owners of an SNL account. Only one credit card annual fee rebate per SNL account is allowed. Other conditions and restrictions apply. Upon enrolment, 30,000 bonus Avion points will appear on your first monthly statement. Additional cardholder(s), as well as existing RBC Visa Infinite Avion, Visa Platinum Avion, Cathay Pacific Visa Platinum, RBC® British Airways Visa Infinite‡, RBC Rewards Visa Preferred cardholders, applying for or transferring to an RBC Visa Infinite Avion card as of the offer eligibility period, are not eligible for this offer. This offer may not be combined or used in conjunction with any other credit card offer. Air Travel Reward redemptions from the Air Travel Redemption Schedule start at 15,000 points for a round trip short-haul flight in economy class with a maximum ticket price of $350. All applicable taxes, service fees and surcharges are the responsibility of the traveler. For more details, including guidelines on redeeming for business class seats, visit www.rbc.com/travelredemption. Some restrictions apply. For completed terms and conditions that apply to the Avion Rewards Program, please visit www.rbcrewards.com or call 1-800-769-2512. Royal Bank of Canada reserves the right to withdraw this offer at any time, even after acceptance by you.

⁵⁹ Avion points are earned on qualifying net purchases only; they are not earned on cash advances, balance transfers, cash-like transactions and certain bill payments, interest charges or fees, and credits for returns and adjustments will reduce or cancel the points earned by the amounts originally charged.

⁶⁰ Each time you use your linked Eligible RBC Card to purchase any grade of gasoline, including diesel, at a Retail Petro-Canada Location, you will save three cents ($0.03) per litre at the time of the transaction. Card linking may take up to 2 business days to process before savings and bonus points can be applied to purchases.
Each time you use your linked Eligible RBC Card to pay for qualifying purchases at a Retail Petro-Canada Location, you will earn a bonus of twenty percent (20%) more Petro-Points than you normally earn, in accordance with the Petro-Points Terms and Conditions.
Each time you use your linked Eligible Avion Rewards Credit Card to pay for purchases at a Retail Petro-Canada Location, you will earn a bonus of twenty percent (20%) more Avion points than you normally earn for every $1 in purchases in accordance with the Avion Rewards Terms and Conditions. Please allow up to ninety (90) days from the date the transaction is posted on your credit card statement for the bonus points to be deposited into Avion Rewards account. Authorized Users are excluded from earning Avion points bonus.
Petro-Canada and Petro-Points are trademarks of Suncor Energy Inc. Used under licence. All other trademarks are the property of their respective owner(s).

⁶¹ To receive 2,500 Avion points you must apply and be approved for an RBC No Limit or RBC Day to Day account, apply and be approved for an RBC ION+ Visa card within 60 days of your bank account open and get approved for the credit card. Upon enrolment, 2,500 bonus Avion points will appear on your first credit card statement. Additional cardholder(s), as well as existing RBC ION Visa card cardholders as of the offer eligibility period, are not eligible for this offer. This offer may not be combined or used in conjunction with any other credit card offer.

⁶² Primary cardholders can get 500 points for completing each of the following activities within 60 days of approval

• Share your email address with us
• Sign up for eStatements for your card
• Download and sign into either the RBC^® Mobile app, RBC Wallet or Avion Rewards app
• Making an Interac^‡ e-Transfer with the RBC Mobile app or RBC Online Banking
• Transferring funds with the RBC Mobile app or RBC Online Banking
• Depositing a cheque with the RBC Mobile app
• Paying a bill with the RBC Mobile app or RBC Online Banking

Limited time offer must be fulfilled within 60 days from date of approval. This offer is not transferable, may not be combined or used in conjunction with any other credit card offer. Offer may be changed, cancelled or withdrawn at any time. Only the Primary Cardholder of an RBC ION Visa card is eligible for this offer and may receive a one-time bonus of 500 Avion points ("Bonus Points"), for each listed offer (each a "Bonus Offer") up to a maximum of 3,500 Avion points. It may take up to 60 days after offer expires for the Bonus Points to appear on the credit card statement. Primary Cardholder can provide us their email address and sign up for eStatements through RBC Online Banking, by visiting a branch or calling 1-800-769-2512. RCB Canada, RBC Wallet, the Avion Rewards app, and RBC Online banking are operated by Royal Bank of Canada. RBC Mobile is operated by Royal Bank of Canada, RBC Direct Investing Inc. and RBC Dominion Securities Inc. Standard message and data charges apply to any Bonus Offers you fulfill using your device.

⁶³ You will earn i) 1 Avion point for every $1.00 in Gas, Grocery, and Drug Store Purchases you make; and ii) 1 Avion point for every $2.00 on all other purchases (including pre-authorized bill payments) you make on your card. Purchases made at merchants classified by Visa's "Merchant Category Code" (MCC) as: (i) "service stations" (MCC 5541) or "automated fuel dispensers" (MCC5542) are "Gas Purchases"; (ii) "grocery stores" (MCC 5411) are "Grocery Purchases"; and (iii) "drug stores & pharmacies" (MCC 5912) are "Drug Store Purchases" ("Eligible MCCs"). Even though some merchants may sell gas, grocery, and drug store merchandise, purchases made at these locations may not necessarily qualify as Eligible MCCs if the merchant is not classified as such by Visa. Also, you may make a purchase at a merchant that is not classified as an Eligible MCC but is located on the premises of a merchant that is classified as an Eligible MCC, in which case your purchase would not qualify as an Eligible MCC. We cannot guarantee that any merchant, operating in whole or in part as a gas, grocery or drug store, is classified as an Eligible MCC and in no event will we be liable or responsible for any claims with respect to a grocery store purchase made at a merchant that is not classified as an Eligible MCC. See sample list of eligible merchants. Avion points are earned on net purchases only; they are not earned on cash advances (balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges or fees, and credits for returns and adjustments will reduce or cancel the points earned by the amounts originally charged.

⁶⁴ Each time you use your linked Eligible RBC Card to purchase any grade of gasoline, including diesel, at a Retail Petro-Canada Location, you will save three cents ($0.03) per litre at the time of the transaction. Card linking may take up to 2 business days to process before savings and bonus points can be applied to purchases.
Each time you use your linked Eligible RBC Card to pay for qualifying purchases at a Retail Petro-Canada Location, you will earn a bonus of twenty percent (20%) more Petro-Points than you normally earn, in accordance with the Petro-Points Terms and Conditions.
Each time you use your linked Eligible Avion Rewards Credit Card to pay for purchases at a Retail Petro-Canada Location, you will earn a bonus of twenty percent (20%) more Avion Rewards points than you normally earn for every $1 in purchases in accordance with the Avion Rewards Terms and Conditions. Please allow up to ninety (90) days from the date the transaction is posted on your credit card statement for the bonus points to be deposited into Avion Rewards account. Authorized Users are excluded from earning Avion Rewards points bonus.
Petro-Canada and Petro-Points are trademarks of Suncor Energy Inc. Used under licence. All other trademarks are the property of their respective owner(s).

⁶⁵ RBC Mobile is operated by Royal Bank of Canada, RBC Direct Investing Inc. and RBC Dominion Securities Inc. RBC Mobile Student Edition is intended for clients under the age of 22. RBC Online Banking is operated by Royal Bank of Canada.

⁶⁶ To be considered a full-time student, you must attend a primary or secondary school OR be enrolled in a program at the post-secondary level at a college, university or other educational institution (whether in Canada or not). If you are a post-secondary student, you must take at least 60% of the usual course load for the program in which you are enrolled in any particular

^* Registered trademark of Visa International Service Association. Used under license.

^† Registered trademark of American Express Company. Used under license.

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

^†† Carlson Wagonlit Travel is a registered trademark of Carlson Wagonlit Canada (“Carlson Wagonlit Travel”). Used under license.

^††† Registered trademark of Canada Post Corporation. Used under license.

^§ Shoppers/Pharmaprix Optimum and Shoppers/Pharmaprix Optimum Points are registered trademarks of 911979 Alberta Ltd., used under licence. The RBC Shoppers/Pharmaprix Optimum Bank Account is offered by Royal Bank of Canada. RBC Direct Investing Inc.* and Royal Bank of Canada are separate corporate entities which are affiliated. RBC Direct Investing Inc. does not provide investment advice or recommendations regarding the purchase or sale of any securities. Investors are responsible for their own investment decisions. RBC Direct Investing is a business name used by RBC Direct Investing Inc. *Member-Canadian Investor Protection Fund.

Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the US and other countries. Apple Pay and Touch ID are trademarks of Apple Inc. All other trademarks are the property of their respective owner(s).

Android and Google Play are trademarks of Google Inc. Samsung Galaxy S III and Samsung Galaxy S4 are trademarks of Samsung Electronics Canada, Inc. and/or its related entities used with permission