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Terms & Conditions

Personal lending products, residential mortgages and home equity financing products are offered by Royal Bank of Canada and are subject to its standard lending criteria. Some additional conditions apply. Offer may be changed or withdrawn at any time, without notice. Not available in combination with any other rate discounts, offers or promotions.

* No credit history required for a credit card, car loan or home mortgage. For an RBC Royal Bank credit card newcomer must be a permanent resident who arrived in Canada within the last 12 months. Provided you meet all of Royal Bank of Canada’s eligibility and credit criteria, you may be eligible for a secured or unsecured RBC Royal Bank credit card even if you have no Canadian credit history. For an RBC Royal Bank automotive car loan with no credit history required, you must be a permanent resident or foreign worker who has been in Canada for less than 3 years. Minimum 25% down payment is required. Maximum financing term is 60 months with a maximum loan amount of $75,000. No credit history required on vehicles less than 4 years old, provided you meet all of Royal Bank of Canada’s eligibility and credit criteria. For an RBC Royal Bank residential mortgage or mortgage within an RBC Homeline Plan® with no credit history required, you must be a permanent resident or foreign worker who has been in Canada for less than 5 years. Provided you meet all of Royal Bank of Canada’s eligibility and credit criteria, you may be eligible for an RBC Royal Bank residential mortgage or mortgage within an RBC Homeline Plan of up to an original balance of $1,250,000 even if you have no Canadian credit history. To take advantage of these offers you must show proof of entry into Canada and provide supporting documents such as a passport and landing papers, or permanent resident card.

1 No annual fee is available on the following RBC Royal Bank credit cards: RBC® Cash Back Mastercard, RBC Rewards® Visa Gold, RBC Royal Bank Visa Platinum, RBC Royal Bank Esso Visa, RBC Shoppers Optimum MasterCard, Target RBC MasterCard.

2 Offer only available to first-time home buyers (Definition of a First-Time Home Buyer: Someone who declares that they have not owned a home during the four year period prior to the mortgage application date and is not using the proceeds of the sale of a home for their down payment. In the case of a couple where only one person is a First-Time Home Buyer; both parties will be considered First-Time Home Buyers for the purpose of this offer) who obtain a 4, 5 or 7 year fixed interest rate closed or a 5 year variable rate closed residential mortgage with Royal Bank of Canada (“RBC Royal Bank”) or on one RBC Homeline Plan® mortgage segment. Some conditions on interest rate may apply. To qualify for this offer, clients must have or open a mortgage payment account with RBC Royal Bank. The $500 will be deposited to this account. To be eligible: (i) the mortgage application date must be on or after March 10, 2014 and mortgage funds must be fully advanced within 120 days from the commitment start date; (ii) the mortgage or mortgage segment must be for a minimum principal amount of $100,000. This offer is available for builder single advance mortgages that close within 120 days from the commitment start date. All other construction draw/builder mortgages and amendments to an existing mortgage, including port/assumption transactions, an advance of additional funds or a renewal, are excluded. Offer may be withdrawn or amended without notice at any time. Not available in combination with any other offer. Other terms and conditions may apply. Personal lending products and residential mortgages are offered by Royal Bank of Canada and are subject to its standard lending criteria.

3 Conditions apply. To get an iPad mini, you must be a new eligible personal client, open one of the eligible personal deposit accounts with RBC Royal Bank during the promotional period, and complete the criteria. Offer is not available to existing clients who had a Personal Banking Deposit Account with RBC Royal Bank before April 14, 2014. Offer available from April 14, 2014 to October 31, 2014 but may be changed, extended or withdrawn at any time without notice. Apple is not a sponsor of, nor a participant in this promotion. For full terms and conditions visit www.rbc.com/termsandconditions (opens new window)

4 Enjoy a preferred foreign exchange rate on all transactions made during the first 12 consecutive months with the use of your RBC Signature No Limit Banking account or RBC VIP Banking® account. Available only to newcomers to Canada who have arrived in Canada within the last year and who show proof of permanent resident status such as a passport and landing papers, or permanent resident card. Regular foreign exchange rates apply on all other deposit accounts. The preferred rate only applies to foreign exchange transactions made at an RBC branch within Canada. See branch for details. This offer may be withdrawn at any time without notice; foreign exchange rates are subject to change without notice.

5 Enjoy preferred interest rates on the first term of non-redeemable, redeemable and one-year cashable GICs with a minimum term of one year and a balance of $1,000 or more. Regular interest rates apply upon renewal. Available only to newcomers to Canada who have arrived in Canada within the last year and who show proof of permanent resident status such as a passport and landing papers, or permanent resident card. See branch for details. This offer may be withdrawn at any time without notice.

6 One year's rental of a Small Safe Deposit box with annual fees waived, where available. 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.

7 Funds may not be sent to Canada and to restricted countries. International Money Transfer is available for a $13.50 per transaction fee. Additional service fees by any intermediary and receiving bank may apply. Maximum of $2,500 Canadian dollars or Canadian dollar equivalent per client per 24-hour period allowed. You cannot send an International Money Transfer from a U.S. dollar account or the RBC High Interest eSavings account.

Based on market capitalization.

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