1) Available only to newcomers to Canada who have arrived in Canada within the last year and who show proof of permanent resident status. Also available to newcomers to Canada that have arrived between 1 - 3 years when clients switch their account from another financial institution using CustomSwitch^®. Other conditions apply. See branch for details. This offer may be withdrawn at any time and is subject to change without notice.

2) Monthly fee will be waived for the first 12 months upon account opening. Monthly fee is $4.00. Other account transaction fees may apply. Applies to the RBC Day to Day Banking^® account only. Available only to newcomers to Canada who have arrived in Canada within the last year and who show proof of permanent resident status. Also available to newcomers to Canada that have arrived between 1 - 3 years when clients switch their account from another financial institution using CustomSwitch^®. Other conditions apply. See branch for details. This offer may be withdrawn at any time and is subject to change without notice.

3) Must be used during the monthly cycle in which the transactions or transfers were made.

4) Totals are not cumulative, and if not used, they cannot be carried over into the next applicable month or year. 15 monthly debits of any kind are included. Each debit transaction after 15 will be charged at $0.65 per transaction.

5) Subject to credit approval or security deposit. Eligible credit cards include: RBC Rewards Visa Gold, Signature^® RBC^® Rewards Visa^‡, RBC^® Visa Cash Back, RBC Royal Bank^® Visa Platinum Avion^® and RBC Royal Bank Visa Classic Low Rate.

6) One year’s free rental of a small safe deposit box, where available.

7) This program is offered exclusively to RBC Royal Bank credit cardholders and is not offered in branches. Cityfone Telecommunications Inc. (“Cityfone”), operated by Rogers Communications Partnership, is the reseller, biller and wireless service provider for the Talk & Save wireless Program and provides all customer support and enrollment.

8) As measured by market capitalization and assets.

^® Registered trademarks of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.

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