RBC Banking - Legal

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1 $240 will be deposited in the account in advance to cover the monthly package fees that will be debited from the account for the first 12 months. Please see an RBC Royal Bank branch or visit www.rbcroyalbank.com/business/accounts/bus-ess-fixed-fee.html for a description of transactions included in the monthly package fee and some of the additional fees that will apply to transactions in excess of the included transactions. Regular (paper-based) transactions will be applied first to the package limit. No interest is paid on balances in this account. Reduced fee for cash deposited via Night and Day deposit may not be available in all areas. This offer is extended to RCC members and RBC Royal Bank business clients only. RBC Royal Bank reserves the right to change these terms and conditions at any time without notice. This offer can be withdrawn without notice.

2 Rate reduction provided on an ongoing basis. Business Current Account and related operating services are billed through BCRMS, including transactional day-to-day banking (not including cash management products and RBC Express®). RBC Royal Bank reserves the right to change the rates or discounts at any time without notice. Rate reduction is based on the standard account transactions for commercially sized retailers. Please contact a retail specialist in your area at www.rbcroyalbank.com/retail/index.htm or email [email protected] for detailed rate information. This offer can be withdrawn or changed at any time.

3Offer subject to credit approval. Receive 20,000 RBC Rewards® bonus points with a value of more than $350 and the $120 annual fee waived for the Primary Business Cardholder only for the first year if you are approved for an RBC Royal Bank® Visa Business Platinum Avion® card. To be exempt from the annual fee for one year and to receive the 20,000 bonus RBC Rewards points, your application form must be received by March 31, 2015 and approved by us. Upon enrolment, 20,000 bonus RBC Rewards points will appear on your first credit card statement. Bonus points offer and annual fee waiver are only offered to the first Primary Business Cardholder on the account; Secondary Business Cardholder, as well as existing RBC Visa Business Platinum Avion cardholders as of the offer eligibility period are not eligible for this 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 traveller. For general redemption terms, conditions and restrictions that apply to the RBC Rewards program, please visit www.rbcrewards.com  or call 1-800 ROYAL® 1-2 (1-800-769-2512).

4 RBC Express Disclaimer Savings based on waiver of the $30 monthly fee for the first 12 months and waiver of the $150 set up fee. RBC Royal Bank reserves the right to change the rates or discounts at any time without notice.

5 Standard credit application fee ($75) is waived on all fixed and variable rate loans, excluding any government guaranteed loan programs. Standard RBC Royal Bank credit approval applies. This offer can be withdrawn or changed at any time.

6 Savings based on the first 12 months of interest differential of 0.5%. Offer for new or renewed business loans. Discount is off of standard rates and cannot be combined with any other offer. Sample used for illustrative purposes only. $250,000 fixed rate term loan, posted rate of 6% per annum, 10-year amortization. Standard RBC Royal Bank credit approval applies. This offer can be withdrawn or changed at any time.

Offer valid for new clients or existing clients who apply for new products and services only, no refunds for existing purchases, offer is subject to change at any time without notice.

* Savings based on the first 12 months if all products and services in the offer are selected. $250,000 loan was used to calculate the savings. RBC Royal Bank reserves the right to change the rates or discounts at any time without notice.

** Synovate 2011 Best Banking Awards are based on the quarterly Customer Service Index (CSI) survey results. Sample size for the total 2011 CSI program year ended August 2011 was 40,353 households. RBC Royal Bank shared six awards within the Big 5 Banks group in 2011, twice as many as last year, including a repeat of its shared award for financial planning and advice.

+ RBC Online Banking, Telephone Banking and Mobile Banking are provided by Royal Bank of Canada.

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