Advice. Support. Savings. Rewards.

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1 Advice. Support. Savings. Rewards. RBC Group Advantage Program The RBC Group Advantage program gives you what you need to get the most out of your everyday banking, with advice, support, savings and rewards that truly go above and beyond. That s what sets RBC Group Advantage apart. For details, visit or call an RBC Advisor listed below to get started. The Royal Credit Line for Students As a student in an accountancy studies program, you may need an easy and flexible way to borrow money for tuition, books and more, the Royal Credit Line for students can help. For details, visit or call an RBC Advisor listed below to get started. For Advice on: RBC Group Advantage Program and The Royal Credit Line For Students Southern Alberta Calgary Area and South Red Deer and Area David Horlock Telephone: (403) Justina Sherstabetoff Telephone: (403) Northern Alberta Edmonton Area and North Anthony Wong Account Manager Telephone: (780) Jennie Wong Telephone: (780) Additional information can be viewed from the attached To learn more about our offering visit any RBC Branch and speak to an advisor, call or go to

2 Student banking Banking for Professional Students Accountancy Studies Whether you re looking for value, flexibility or the ability to save for the future, RBC Royal Bank offers a variety of accounts, credit cards, lending products and investment solutions that help you manage your money. And lets you focus on what s important your studies. The Royal Credit Line for Students As a student in an accountancy studies program, you know that education can be expensive. Even with a government student loan, you re likely to be facing higher tuition fees and more costly course materials than other students. That s where the Royal Credit Line for Students comes in. Available to full- and part-time students who need to finance their studies, it allows you to take charge of your cash needs in a way that fits your lifestyle. A different kind of student loan The Royal Credit Line for Students is different from a regular loan. A regular loan requires you to borrow a lump sum of cash up front and make payments of interest and principal on the entire loan. The Royal Credit Line for Students lets you borrow funds as you need them and pay interest only on the amount you use, without ever having to reapply. You get all the convenience and benefits with no annual fee.

3 2 Student banking The Royal Credit Line for Students is the optimal way to help pay for what you need at school A great rate: As a student pursuing accountancy studies, you may qualify for up to an $60,000 credit limit at a preferential student rate. This rate applies while you are at school and for a 12-month grace period after graduation. Ask us how to set up a new line of credit at a competitive interest rate and transfer your outstanding balance. Flexibility: The Royal Credit Line for Students is designed to cater to your special needs. While at school you can: Pay as little as interest only each month; Pay as much as you can afford each month; Pay down the entire amount whenever you like without penalties. You may, for example, wish to use income from a part-time or summer job to pay off your line of credit, which will help you graduate with minimal student debt. Repayment: Repayment does not start until 12 months after graduation. RBC Royal Bank gives you options when repaying your line of credit: We will automatically convert your line of credit into a repayment loan with a fixed monthly payment, based on your outstanding balance, and no change to your rate; or Establish your credit rating: We allow students to be the primary borrower, which gives you the opportunity to establish a credit rating key to receiving the future credit you ll need when you ve completed school. A co-signer may be required. Access to funds 24/7: Pay for tuition, books whatever you need with quick and easy access to your funds by writing a cheque or withdrawing funds from any RBC Royal Bank ATM, or transfer funds using RBC Online Banking1 or the RBC Mobile Banking App1. Tracking convenience: Every month, you ll receive itemized monthly statements to help with budgeting. As an RBC Royal Bank client, you also have access to myfinancetrackertm, which automatically tracks your expenses and creates budgets in minutes through easy-to-read pie charts, graphs and calendars. Optional LoanProtector insurance: Optional group creditor insurance2 can help protect you when you need it most by providing life and disability coverage on the outstanding balance of your Royal Credit Line.3 To learn more about the Royal Credit Line for Students, come talk to us at any branch, speak to a credit specialist at or visit

4 Student banking Accountancy Studies 3 Better student banking As a graduate student pursuing a professional designation, you re taking on more responsibilities than ever before. Not just in terms of your studies, but financially as well. That s where RBC Royal Bank can help. We can sit down with you to put in place the banking products and services that can help look after your unique financial and day-to-day banking needs. RBC Student Banking account We make it easy to manage your money. As a full-time student, you can bank with no monthly fee with an RBC Student Banking account 4. With this account, you ll get: n 25 free debit transactions per month 5 n Up to a $39 rebate on the annual fee of any eligible RBC Royal Bank credit card 6 n Free access to myfinancetracker through RBC Online Banking 1, where you can track your spending and set savings goals Get the most from your credit card Whether you prefer cash back or RBC Rewards points that can be redeemed for travel, merchandise, gift cards or other rewards, we have a card that will give you what you need and more. An RBC Royal Bank credit card offers you a handy way to pay for day-to-day expenses, while building credit history and getting rewards. n Receive a $39 rebate on the annual fee of the Signature RBC Rewards Visa card or up to a $39 rebate on the fee of any other eligible RBC credit card each year with an RBC Student Banking account 6 n Earn valuable RBC Rewards points with every dollar you spend in purchases charged to your credit card 7 n Redeem points for travel, merchandise, gift certificates/ cards, RBC Financial Rewards vouchers and more n Protect your purchases with complimentary Purchase Security and Extended Warranty 8, included with all RBC Royal Bank credit cards for students n Convenient access to Canada s largest combined network of branches and ATMs RBC No Limit Banking for Students If you want unlimited transactions, this is the account for you. With this account, you ll get everything included in the RBC Student Banking account, plus: n Unlimited debit transactions for a low monthly fee n No monthly fee banking with MultiProduct Rebate with a qualifying investment and a credit card, you could enjoy the RBC No Limit Banking for Students account with no monthly fees n Up to a $39 rebate on the annual fee of any eligible RBC Royal Bank credit card with an RBC Student Banking account

5 Savings and investment options At RBC, we offer several options to help you meet your financial goals: n Savings products, including RBC High Interest esavings and RBC US High Interest esavings accounts n Investment services, including Tax-Free Savings Accounts and RRSPs n Investment products, including GICs and mutual funds n Preferred interest rates and flexible investment terms RBC Direct Investing for more investment options n Open an RBC Direct Investing account as a professional student and automatically have the RBC Direct Investing quarterly maintenance fee waived an annual savings of $100 n Choose from a wide selection of investment choices that include stocks, mutual funds, GICs and exchange-traded funds (ETFs) n Access innovative tools for researching investment opportunities and building and monitoring your portfolio n Take advantage of free Practice Accounts, available to RBC Direct Investing and RBC Online Banking clients To learn more about our offerings for professional students, visit any RBC branch and speak to an advisor, call or go to / Trademark(s) 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). 1 RBC Mobile Banking and RBC Online Banking are provided by Royal Bank of Canada. You will need access to Online Banking to be able to use the Mobile Banking App. 2 You must be working a minimum of 20 hours per week to qualify for disability protection. 3 You can pay the outstanding balance of your Royal Credit Line account in the event of death or monthly payments of 3% of your qualifying balance for up to 60 months in the event of disability. 4 RBC Student Banking and RBC No Limit Banking for Students accounts are available to any full-time student upon presentation of student identification. 5 Debit transactions are counted by Monthly Cycle, which is the monthly period we assign to your account based on the first letter of your last name and, if this is a joint account, by the first letter of the last name of the Primary Owner. 6 Subject to credit approval. If you are a post-secondary student and an owner or co-owner of an RBC Student Banking or RBC No Limit Banking for Students account (each, an Eligible Student Bank Account) and the primary cardholder of one eligible RBC Royal Bank credit card, the annual fee of your credit card may be rebated, every year. Some conditions and restrictions apply. To get a list of eligible cards, please visit 7 RBC Rewards points are earned on net purchases only; they are not earned on cash advances (including RBC Royal Bank credit card cheques, 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. 8 Coverage underwritten by RBC General Insurance Company in the province of Quebec and by RBC Insurance Company of Canada in the rest of Canada. Personal Lending Products are provided by Royal Bank of Canada and are subject to standard lending criteria. LoanProtector insurance is underwritten by The Canada Life Assurance Company and is subject to terms, conditions, exclusions and eligibility restrictions. Please see the LoanProtector booklet for full details and eligibility restrictions. 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 (03/2013)

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