RBC Welcome to Canada package. Everything you need to get settled quickly and easily

(1)

Canada package

Everything you need to get settled

quickly and easily

(2)

Welcome to Canada 3

When you choose RBC Royal Bank

®

_{you get:}

n

Access to service in 180 languages

n

Access to the largest combined branch and

ATM network across Canada

n

Free access to RBC Royal Bank Online, Mobile

and Telephone Banking

1

_{services, making it}

even easier to manage your money 24/7

Setting up your finances in Canada

Opening a bank account and establishing credit

are essential to getting settled in Canada. That’s

why we’ve:

n

Developed the RBC Welcome to Canada

package

2

_{, which offers newcomers relevant}

products and cost savings, and includes:

– A premium banking account with the fee

rebated for six months

3

_{and a simplified}

account opening process

– An easy-to-get credit card in Canada

without a Canadian credit history, including

an unsecured credit card

4

_{and much more}

n

Created online resources and tools within

rbc.com/canada to help newcomers get

settled and established in Canada — the site

includes informative checklists, fact sheets

about Canadian banking products, advice and

much more

For more than seven generations,

Royal Bank of Canada has been supporting

newcomers like you to get settled, become

established and succeed in Canada. For four

years in a row, Global Finance magazine has

rated RBC

®

_{as one of the top 10 “}

_World’s

Safest Banks

.”

(3)

Two banking packages that can save you money

RBC Welcome to Canada package

Choice of bank account

RBC Signature

No Limit

Banking

®

account

RBC VIP

Banking

®

account

Monthly banking fee

_{6 months}

Waived for

5

Waived for

_{3 months}

6

Monthly fee after the

waiver period

$14.95

$30

Debit transactions per month

7

_Unlimited

Interac

‡

_{ATM withdrawal}

at non-RBC ATMs in Canada

3/month free

8,10

Unlimited

9,10

Free personalized cheques

4

4 Drafts

11

_{6/year free}

12

_{12/year free}

12

Interac e-Transfers

13

_{2/month free}

14

_{10/month free}

12

Safe deposit box

15

₄

RBC Royal Bank credit card

3

Rebate on

the annual fee

on an eligible

RBC Royal Bank

credit card

3

Annual fee fully

rebated for both

applicant and

co-applicant

16

Preferred interest rates on

guaranteed investment

certificates

(GICs)

17

4

4 Preferred rate on foreign exchange

transactions for 12 months

18

4

4 Free guidebook — Understanding

Banking in Canada

4

4 RBC High Interest eSavings

®

_account

In addition to your everyday banking account,

it’s also a good idea to set up a savings account.

The RBC High Interest eSavings account is our

online savings account offering high interest

on every dollar, with no minimum deposit

requirements. You get free online transfers from

this account to other RBC accounts in your name

— 24/7 with no delay. It’s also free to set up.

You can enjoy these same benefits for your

U.S. dollars as well with an RBC US High Interest

eSavings

®

_account.

Why is a Canadian credit history important?

A credit history provides an overview of your

payment history and how you handled debt

in the past with other financial institutions,

retailers and lenders. Many people use credit for

making large purchases, such as a house, car,

furniture or appliances. In order to get approved

for credit, you need a Canadian credit history.

The credit history you’ve built up in your home

country is not always applicable in Canada, so

that’s why it’s important to start building your

Canadian credit history early.

One of the best ways to establish a Canadian

credit history is with a Canadian credit card.

We’ve developed programs to help newcomers

get a Canadian credit card, often without the

need to provide a security deposit

4

_{. It’s easy to}

apply for a card. Simply take advantage of the

RBC Welcome to Canada package by visiting any

RBC branch today!

Do you need to send money back home?

With RBC International Remittance

®

_{, you can}

send money to over 120 countries worldwide

19

without having to leave home, or you can bank

from any computer that has Internet access.

Using RBC Online Banking

20

_{, you can send up to}

$2,500

21

_{per day directly from your RBC personal}

banking account

22

_{to the recipient’s account.}

With the RBC Welcome to Canada package

enjoy a preferred rate on foreign exchange

transactions for 12 months.

18

(4)

6 RBC Royal Bank Welcome to Canada 7

1_{Standard message and data charges apply. Transaction fees may apply for bill}

payments or funds transfers made through Online Banking and are separate from access fees.

2_{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 who arrived between 1 and 3 years ago when they 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_{As a sole or joint owner of an RBC Signature No Limit Banking (SNL) account}

and the cardholder of an eligible credit card, you will receive a $39 rebate to be applied to the Signature®_{RBC Rewards}®_{Visa card or WestJet RBC MasterCard}‡_or

a $35 rebate towards the annual fee of one of the following eligible credit cards: RBC Royal Bank Visa Infinite‡_Avion®_{, RBC Royal Bank Visa Platinum Avion, RBC}

Rewards Visa Preferred (formerly RBC Royal Bank Visa Gold Preferred or RBC Royal Bank Platinum Preferred), RBC Royal Bank US Dollar Visa Gold, RBC Royal Bank British Airways‡_{Visa Platinum, RBC Royal Bank Cathay Pacific}‡_{Visa Platinum and}

WestJet RBC World MasterCard, every year, as long as you remain an RBC Signature No Limit Banking account owner. Additional cardholders (co-applicants) do not qualify for the annual fee rebate, even if they are joint owners of an RBC Signature No Limit Banking account. Other conditions and restrictions apply.

4_{A security deposit may be required. A secured RBC Royal Bank credit card is}

subject to meeting Royal Bank of Canada’s eligibility criteria. An unsecured RBC Royal Bank credit card is subject to meeting Royal Bank of Canada’s eligibility and credit criteria.

5_{Monthly fee will be waived for the first six months upon account opening.}

Monthly fee is $14.95. Other account transaction fees may apply. Applies to RBC Signature No Limit Banking account only. Available only under the Welcome to Canada package for newcomers.

6_{Monthly fee will be waived for the first three months upon account opening.}

Monthly fee is $30. Other account transaction fees may apply. Applies to RBC VIP Banking account only. Available only under the Welcome to Canada package for newcomers.

7_{Debit transaction means a withdrawal of funds from an account and includes an}

assisted transaction and an electronic self-serve transaction.

8_{RBC will refund the Interac network access fee for the RBC Signature No Limit}

Banking account up to a maximum of three (3) refunds per Monthly Cycle, if used. ATM operator surcharge (also called convenience fee) charged by other ATM operators may apply. 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.

9_{RBC will waive the network access fee for the RBC VIP Banking account. An ATM}

operator surcharge (also called a 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.

10_{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 that is 2.5% above the benchmark 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.

11_{Additional drafts are $7.50 each.}

12_{Totals are not cumulative, and if not used, they cannot be carried over into the}

next calendar year.

13_{Additional Interac e-Transfers are $1.00 each.}

14_{Must be used during the monthly cycle in which the transactions or transfers}

were made. Totals are not cumulative, and if not used, they cannot be carried over into the next applicable Monthly Cycle.

15_{One year’s rental of a small safe deposit box with annual fees waived, where}

available.

16_{As a sole or joint owner of an RBC VIP Banking account and the primary}

cardholder of one of the eligible RBC credit cards listed below (each, an “Eligible VIP Credit Card”), you will benefit from a rebate of the annual fee of that credit card every year as long as your Eligible VIP Credit Card remains in good standing and you remain an RBC VIP Banking account owner. Co-applicant’s annual fee is also rebated every year as long as your Eligible VIP Credit Card remains in good standing and you remain an RBC VIP Banking account owner. Only one credit card annual fee rebate per RBC VIP Banking account is allowed, which means that if you own a joint RBC VIP Banking account and each co-owner is also the primary cardholder of an Eligible VIP Credit Card, only the Primary Owner of the

RBC VIP Banking account will be entitled to the credit card annual fee rebate. If you are the Primary Owner of a joint RBC VIP Banking account and you are the primary cardholder of more than one Eligible VIP Credit Card, only one eligible VIP Credit Card will benefit from the rebate, chosen first by ownership match, then by the card with the highest standard annual fee. If you are the Primary Owner of more than one RBC VIP Banking account and the primary cardholder of only one Eligible VIP Credit Card, only one annual fee rebate will apply to that Eligible VIP Credit Card. Eligible VIP Credit Cards include RBC British Airways Visa, RBC Royal Bank Cathay Pacific Visa Platinum, RBC Royal Bank Visa Infinite Avion, RBC Royal Bank Visa Platinum Avion, RBC Rewards Visa Preferred (formerly RBC Royal Bank Visa Platinum Preferred or RBC Royal Bank Visa Gold Preferred), WestJet RBC World MasterCard, RBC Royal Bank US Dollar Visa Gold. Eligible VIP Credit Cards are subject to credit approval. Royal Bank of Canada reserves the right to withdraw this offer at any time, even after acceptance by you.

17_{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. Available only under the RBC Welcome to Canada package for newcomers.

18_{Enjoy a preferred foreign exchange rate on all transactions made for 12}

consecutive months with the use of your RBC Signature No Limit Banking account or RBC VIP Banking account. Available only under the RBC Welcome to Canada package for newcomers.

19_{Funds may not be sent to the U.S., Puerto Rico, Canada and other restricted}

countries.

20_{RBC Online Banking is provided by Royal Bank of Canada.}

21_{Maximum of $2,500 Canadian or Canadian equivalent dollars per client per}

24-hour period.

22_{You cannot remit funds from a U.S. dollar account or the RBC High Interest}

eSavings account.

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

(5)

n

For service in 180 languages, call

1-800-769-2511

n

For service in Mandarin or Cantonese, call

1-888-769-2598

n