Best of security and convenience

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1 Get More with Additioal Cardholders. Importat iformatio. Add a co-applicat or authorized user to your accout ad you ca take advatage of the followig beefits: RBC Royal Bak Visa Customer Service Cosolidate all your spedig o oe accout. All cardholders protected by the same isurace coverages. BENEFITS GUIDE RBC Royal Bak Visa Credit Card Card iquiries ad iformatio I Caada/U.S.: ROYAL 1-2 ( ) Outside Caada/U.S. call collect: Lost or stole cards, 24 hours, 7 days All trasactios o oe mothly statemet, sorted by card umber. I Caada/U.S.: ROYAL 1-2 ( ) Iteratioal: (Access code) 800 ROYAL (Access code) ( ) Collect: You set the spedig limits Whe you add authorized users to your accout, you ca assig a pre-set credit limit to each user. It s a coveiet way to give older childre or caregivers limited access to fuds, i case of emergecies. If you prefer ot to have telephoe access to your accout iformatio, please call ROYAL 1-2 ( ) to disable this service. Ad, if you add a co-applicat, they will ejoy full access to the credit limit ad all purchasig privileges that come with the card. I Caada/U.S.: Outside Caada/U.S. call collect: TDD/TTY: ROYAL 1-8 ( ) Assured Assistace Ic. For assistace with the isurace listed i this guide: Call us at or visit your earest RBC Royal Bak brach to add a co-applicat or authorized user today. Ejoy all the advatages of your credit card Commissio-free travellers cheques Time-savig autopaymet service RBC Royal Bak Olie Bakig estatemets Emergecy card replacemet / Trademark(s) of Royal Bak of Caada. RBC ad Royal Bak are registered trademarks of Royal Bak of Caada. Used uder licece. All other trademarks are the property of their respective ower(s). Cash Advaces, icludig cash withdrawals from a ATM ad credit card cheques, ca be made up to your available credit ad daily limits. There is o iterest-free period for Cash Advaces, which meas that iterest is charged from the day the Cash Advace is made util we receive your paymet for the total amout you owe. Cash Advace fees may apply depedig o the type of Cash Advace. Please refer to your RBC Royal Bak Credit Card Agreemet for more details. Co-applicat is fully resposible with you for all amouts owig o the accout, icludig trasactios made by authorized users, if ay. 1 Coverage uderwritte by RBC Geeral Isurace Compay i the Provice of Quebec ad by RBC Isurace Compay i the rest of Caada. All isurace is subject to limitatios ad exclusios. Please refer to the eclosed Certificate of Isurace for complete details. VPS (05/2014) Best of security ad coveiece

2 Everyday value ad coveiece. Spedig power ad coveiece Your RBC Royal Bak Visa credit card is the perfect choice, offerig coveiece, flexibility ad protectio all with o aual fee. QUICK CARD OVERVIEW RBC Visa Uiversal acceptace No aual fee for additioal cards Isurace Purchase Security Isurace 1 Exteded Warraty Isurace 1 Additioal Beefits Chip & PIN techology for ehaced security Zero Liability DON T FORGET! Importat steps for ew cardholders: 1. Activate your card. 2. Review your Beefits Guide ad Certificates of Isurace for more detailed iformatio about your card. If you have ay questios about your card, please call us at ROYAL 1-2 ( )

3 With RBC Isurace, you ca shop with more cofidece. Your RBC Royal Bak Visa credit card s Purchase Security ad Exteded Warraty coverage ca help you shop more cofidetly, kowig your purchases are protected. Be sure to take a few miutes to familiarize yourself with this coverage. Purchase Security ad Exteded Warraty Isurace 1 Purchases made with your RBC Royal Bak Visa credit card are automatically protected agaist loss, theft or damage for up to 90 days from the date of purchase. The coverage also doubles the maufacturer s origial Caadia warraty for up to oe extra year. Please keep your receipts i the evet you eed to make a claim, ad refer to the Certificate of Isurace for complete details regardig this coverage. For questios or claims, cotact Assured Assistace Ic. toll-free at Outside Caada or the U.S., call collect: All isurace is subject to limitatios ad coditios. Please refer to the eclosed Certificate of Isurace for complete details regardig all the isurace coverage o your RBC Royal Bak Visa card.

4 Access to fuds wheever you eed it, wherever you are. Worldwide acceptace There is simply o other card more uiversally welcomed. Your RBC Royal Bak Visa credit card is accepted at more tha oe millio ATMs ad 24 millio establishmets i 170 coutries worldwide ad wherever you see the Visa logo. Cash advaces As you kow, there are times whe oly cash will do. Your RBC Royal Bak Visa credit card provides you with access to worldwide cash advaces up to the full amout of your available credit as much as $1,000 CAD per day. Simply seek out a bak machie displayig Visa, Iterac or ad use the same PIN curretly liked to your RBC Royal Bak Visa credit card. If you do ot kow your PIN or if you would like to reset your PIN, please visit a RBC Royal Bak brach. For your protectio please brig two valid pieces of idetificatio with you. Credit card cheques RBC Royal Bak credit card cheques couple the coveiece of a cheque with ulimited access to your RBC Royal Bak Visa credit card s available credit. Simply call us to order your persoalized cheques which of course are free of charge. Olie Bakig If you re lookig for a easier, more powerful way to do your bakig, the RBC Royal Bak Olie Bakig is a service that s worth lookig ito. Olie Bakig gives you the tools to let you maage your bakig eeds o your terms. Secure. Simple. 24hr support. To register, please visit or call ROYAL 5-5 ( ).

5 Security ad protectio. Zero Liability Protectio agaist uauthorized use of your card i perso or olie is absolutely essetial. Zero Liability protects you from fraudulet charges, provided you have take reasoable precautios to protect your PIN ad your card, as set out i your RBC Royal Bak Credit Card Agreemet. Chip & PIN for the highest level of security Your RBC Royal Bak Visa credit card features state-of-the-art Chip & PIN techology, which protects you agaist couterfeitig ad fraud because the chip embedded i your card is ecrypted ad virtually impossible to replicate. Whe you make a trasactio at a chip-eabled termial, you re i cotrol. You will isert your card ito the termial ad leave it there, follow the prompts ad eter your PIN istead of sigig the receipt. It all adds up to icreased security Chip & PIN techology makes a already safe paymet system eve more secure. Chip cards have bee tested, prove ad are ow i wide use i may parts of the world. Your Chip & PIN RBC Visa card will icrease your peace of mid, ad you ll be better protected agaist couterfeitig ad card fraud. For more iformatio about your PIN, please refer to the letter you received with your ew RBC Visa card or visit

6 Get More with Additioal Cardholders. Importat iformatio. Add a co-applicat or authorized user to your accout ad you ca take advatage of the followig beefits: RBC Royal Bak Visa Customer Service Cosolidate all your spedig o oe accout. All cardholders protected by the same isurace coverages. BENEFITS GUIDE RBC Royal Bak Visa Credit Card Card iquiries ad iformatio I Caada/U.S.: ROYAL 1-2 ( ) Outside Caada/U.S. call collect: Lost or stole cards, 24 hours, 7 days All trasactios o oe mothly statemet, sorted by card umber. I Caada/U.S.: ROYAL 1-2 ( ) Iteratioal: (Access code) 800 ROYAL (Access code) ( ) Collect: You set the spedig limits Whe you add authorized users to your accout, you ca assig a pre-set credit limit to each user. It s a coveiet way to give older childre or caregivers limited access to fuds, i case of emergecies. If you prefer ot to have telephoe access to your accout iformatio, please call ROYAL 1-2 ( ) to disable this service. Ad, if you add a co-applicat, they will ejoy full access to the credit limit ad all purchasig privileges that come with the card. I Caada/U.S.: Outside Caada/U.S. call collect: TDD/TTY: ROYAL 1-8 ( ) Assured Assistace Ic. For assistace with the isurace listed i this guide: Call us at or visit your earest RBC Royal Bak brach to add a co-applicat or authorized user today. Ejoy all the advatages of your credit card Commissio-free travellers cheques Time-savig autopaymet service RBC Royal Bak Olie Bakig estatemets Emergecy card replacemet / Trademark(s) of Royal Bak of Caada. RBC ad Royal Bak are registered trademarks of Royal Bak of Caada. Used uder licece. All other trademarks are the property of their respective ower(s). Cash Advaces, icludig cash withdrawals from a ATM ad credit card cheques, ca be made up to your available credit ad daily limits. There is o iterest-free period for Cash Advaces, which meas that iterest is charged from the day the Cash Advace is made util we receive your paymet for the total amout you owe. Cash Advace fees may apply depedig o the type of Cash Advace. Please refer to your RBC Royal Bak Credit Card Agreemet for more details. Co-applicat is fully resposible with you for all amouts owig o the accout, icludig trasactios made by authorized users, if ay. 1 Coverage uderwritte by RBC Geeral Isurace Compay i the Provice of Quebec ad by RBC Isurace Compay i the rest of Caada. All isurace is subject to limitatios ad exclusios. Please refer to the eclosed Certificate of Isurace for complete details. VPS (05/2014) Best of security ad coveiece

7 Get More with Additioal Cardholders. Importat iformatio. Add a co-applicat or authorized user to your accout ad you ca take advatage of the followig beefits: RBC Royal Bak Visa Customer Service Cosolidate all your spedig o oe accout. All cardholders protected by the same isurace coverages. BENEFITS GUIDE RBC Royal Bak Visa Credit Card Card iquiries ad iformatio I Caada/U.S.: ROYAL 1-2 ( ) Outside Caada/U.S. call collect: Lost or stole cards, 24 hours, 7 days All trasactios o oe mothly statemet, sorted by card umber. I Caada/U.S.: ROYAL 1-2 ( ) Iteratioal: (Access code) 800 ROYAL (Access code) ( ) Collect: You set the spedig limits Whe you add authorized users to your accout, you ca assig a pre-set credit limit to each user. It s a coveiet way to give older childre or caregivers limited access to fuds, i case of emergecies. If you prefer ot to have telephoe access to your accout iformatio, please call ROYAL 1-2 ( ) to disable this service. Ad, if you add a co-applicat, they will ejoy full access to the credit limit ad all purchasig privileges that come with the card. I Caada/U.S.: Outside Caada/U.S. call collect: TDD/TTY: ROYAL 1-8 ( ) Assured Assistace Ic. For assistace with the isurace listed i this guide: Call us at or visit your earest RBC Royal Bak brach to add a co-applicat or authorized user today. Ejoy all the advatages of your credit card Commissio-free travellers cheques Time-savig autopaymet service RBC Royal Bak Olie Bakig estatemets Emergecy card replacemet / Trademark(s) of Royal Bak of Caada. RBC ad Royal Bak are registered trademarks of Royal Bak of Caada. Used uder licece. All other trademarks are the property of their respective ower(s). Cash Advaces, icludig cash withdrawals from a ATM ad credit card cheques, ca be made up to your available credit ad daily limits. There is o iterest-free period for Cash Advaces, which meas that iterest is charged from the day the Cash Advace is made util we receive your paymet for the total amout you owe. Cash Advace fees may apply depedig o the type of Cash Advace. Please refer to your RBC Royal Bak Credit Card Agreemet for more details. Co-applicat is fully resposible with you for all amouts owig o the accout, icludig trasactios made by authorized users, if ay. 1 Coverage uderwritte by RBC Geeral Isurace Compay i the Provice of Quebec ad by RBC Isurace Compay i the rest of Caada. All isurace is subject to limitatios ad exclusios. Please refer to the eclosed Certificate of Isurace for complete details. VPS (05/2014) Best of security ad coveiece

8 Get More with Additioal Cardholders. Importat iformatio. Add a co-applicat or authorized user to your accout ad you ca take advatage of the followig beefits: RBC Royal Bak Visa Customer Service Cosolidate all your spedig o oe accout. All cardholders protected by the same isurace coverages. BENEFITS GUIDE RBC Royal Bak Visa Credit Card Card iquiries ad iformatio I Caada/U.S.: ROYAL 1-2 ( ) Outside Caada/U.S. call collect: Lost or stole cards, 24 hours, 7 days All trasactios o oe mothly statemet, sorted by card umber. I Caada/U.S.: ROYAL 1-2 ( ) Iteratioal: (Access code) 800 ROYAL (Access code) ( ) Collect: You set the spedig limits Whe you add authorized users to your accout, you ca assig a pre-set credit limit to each user. It s a coveiet way to give older childre or caregivers limited access to fuds, i case of emergecies. If you prefer ot to have telephoe access to your accout iformatio, please call ROYAL 1-2 ( ) to disable this service. Ad, if you add a co-applicat, they will ejoy full access to the credit limit ad all purchasig privileges that come with the card. I Caada/U.S.: Outside Caada/U.S. call collect: TDD/TTY: ROYAL 1-8 ( ) Assured Assistace Ic. For assistace with the isurace listed i this guide: Call us at or visit your earest RBC Royal Bak brach to add a co-applicat or authorized user today. Ejoy all the advatages of your credit card Commissio-free travellers cheques Time-savig autopaymet service RBC Royal Bak Olie Bakig estatemets Emergecy card replacemet / Trademark(s) of Royal Bak of Caada. RBC ad Royal Bak are registered trademarks of Royal Bak of Caada. Used uder licece. All other trademarks are the property of their respective ower(s). Cash Advaces, icludig cash withdrawals from a ATM ad credit card cheques, ca be made up to your available credit ad daily limits. There is o iterest-free period for Cash Advaces, which meas that iterest is charged from the day the Cash Advace is made util we receive your paymet for the total amout you owe. Cash Advace fees may apply depedig o the type of Cash Advace. Please refer to your RBC Royal Bak Credit Card Agreemet for more details. Co-applicat is fully resposible with you for all amouts owig o the accout, icludig trasactios made by authorized users, if ay. 1 Coverage uderwritte by RBC Geeral Isurace Compay i the Provice of Quebec ad by RBC Isurace Compay i the rest of Caada. All isurace is subject to limitatios ad exclusios. Please refer to the eclosed Certificate of Isurace for complete details. VPS (05/2014) Best of security ad coveiece

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