BENEFITS GUIDE. RBC Cash Back MasterCard. Earn cash back fast

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1 BENEFITS GUIDE RBC Cash Back MasterCard Earn cash back fast

2 No annual fee. No complications. Just cash back. Thank you for choosing the RBC Cash Back MasterCard. It gives you the purchasing power, flexibility and security you expect of a credit card, plus the benefit of 2% cash back credits on grocery store purchases and up to 1% cash back credits on all your other everyday purchases. All with no annual fee. Quick Card Overview Cash Back Credits Grocery Store Purchases 2% on purchases of up to $6,000 1% on purchases over $6,000 All Other Purchases 0.5% on purchases of up to $6,000 1% on purchases over $6,000 Annual Fee $0 Insurance Coverage Additional Benefits n Purchase Security insurance 1 n Extended Warranty insurance 1 n Zero Liability provided you have taken reasonable precautions to protect your PIN and your card, as set out in your RBC Royal Bank Credit Card Agreement n Chip & PIN technology for enhanced security n MasterCard PayPass pay with a simple tap of your card DON T FORGET! Important steps for new cardholders: 1. Activate your card. 2. View your Benefits Guide online at rbc.com/nofeecashbackinfo If you have any questions about your card, please call us at ROYAL 1-2 ( ).

3 Earning cash back is easy. Every time you use your RBC Cash Back MasterCard to pay, you can earn as much as 2% cash back credits, of the amount you spend. If you use your card every day for all kinds of purchases you can earn cash back credits on practically all your shopping. And as you can see, over the course of the year it could really add up Grocery Store Purchases Spent Monthly Spent Annually Cash Back % Cash Back Credits $250 $3,000 2% $60 All Other Purchases $550 $6,000 $600 Total Cash Back Credits 0.5% 1% with your no annual fee RBC Cash Back MasterCard $30 $6 $96 RBC Cash Back MasterCard Set up pre-authorized payments Dr. HeatHer to your SmitH DEC 27 raymond SmitH RBC Cash Back MasterCard account and earn even more cash back credits, effortlessly! Payments for PREVIOUS STATEMENT BALANCE subscriptions and memberships can help you earn faster. Use your RBC Cash Back MasterCard for all kinds of TRANSACTION POSTING ACTIVITY DESCRIPTION everyday items big or small and earn up to 2% cash DEC 27 DEC 28 PAYMENT - THANk YOU back credits quickly. Even small JAN 10 ticket JAN 11purchases THE KITCHEN STORE can quickly add up to cash back. Morning Coffee Snacks 70909_ V D rbc _370909_ Hri V D RBC Cash Back Dr. HeatHer SmitH raymond SmitH 45 STATEMENT FROM D TRANSACTION PREVIOUS STA DR HEATH POSTING ACT DEC 28 PA Fore rbc royal Ba CreDit CarD P SIR RAYMOND JOHN frank CHAMbERLAIN P.O. BOX 4016 toronto, ON CO-APPLICANT CARD JAN 10 JAN 11 THE STATEMENT FROM DEC 14, 2011 TO JAN JAN 10 13, 2012 JAN 11 A N JAN 10 JAN 11 BO JAN 10 JAN 11 SHO DR HEATHER-ANNE MICHELE MONTGOMERY JAN 10 JAN 11 EZY PRIMARY CARDHO JAN 10 JAN 11 MA JAN 10 JAN 11 A NEIGHBOURHOOD DRUG JAN STORE 10 JAN - ANYW 11 PU Foreign Currency - EUR SUbTOTAL Exchange Of MONTHL rate JAN 10 JAN 11 BOOKS FOR YOU SIR RAYM SH BACK CREDIT TRANSACTION POSTING JAN 10 JAN 11 SHOES ONLINE - CALGARY JAN 10 ACT JAN 11 PIZ JAN 10 JAN 11 EZY-HAIR JAN 11 JAN 12 THE JAN 10 JAN 11 MAMMA S KITCHEN - TORONTO JAN 10 JAN 11 SU JAN 10 JAN 11 JAN 11 JAN 12 CIN CASH ADvANCE Transportation JAN 10 JAN 11 SU SH ADvANCE INTEREST JAN % JAN 12 AB SH ADvANCE INTEREST SUbTOTAL 5.90% Of MONTHL SH ADvANCE INTEREST 1.99% JAN 10 JAN 11 PURCHASE INTEREST 19.99% SUbTOTAL Of MONTHLY ACTIVITY Memberships Magazine Subscriptions TRANSACTION POSTING Movie Tickets ACTIVITY DESCRIPTION JAN 10 JAN 11 PIZZA IS US - MARKHAM JAN 11 JAN 12 THE OvER A DOLLAR STORE - HEARTLAN Dr. HeatHer

4 Get cash back when you need it. Once your cash back balance is over $25, you can have the full amount credited to your account at any time. Or simply wait and, for your convenience, it will be automatically credited to your account in February. And with no points or expiry dates to monitor, you won t have to keep track of your cash back credits. They accumulate automatically and appear on your monthly statement. MasterCard EC 14, 2011 TO JAN 13, 2012 Congratulations! You have received $96.00 in 1 OF 2 CASH BACK credits. You have received $96.00 in TEMENT BALANCE RBC Cash Back MasterCard $13, IMPORTANT INFORMATION Dr. HeatHer SmitH raymond SmitH CASH BACK credits. ER-ANNE MICHELE STATEMENT MONTGOMERY-SMITH FROM DEC 14, 2011 TO JAN 13, PRIMARY CARDHOLDER 1 OF 2 CASH BACK SUMMARY PREVIOUS STATEMENT BALANCE $13, Previous IMPORTANT Cash INFORMATION Back Balance $96.00 IVITY DESCRIPTION AMOUNT ($) DR HEATHER-ANNE MICHELE MONTGOMERY-SMITH Cash Back On Grocery Purchases $2.25 CASH BACK SUMMARY YMENT - THANk YOU PRIMARY CARDHOLDER $ Cash Back On Other Purchases $5.85 TRANSACTION POSTING Previous Cash Back Balance $96.00 ACTIVITY DESCRIPTION AMOUNT ($) Cash Back Credited this Statement $96.00 KITCHEN STORE $ Cash Back On Grocery Purchases $2.25 DEC 27 DEC 28 PAYMENT - THANk YOU $ New Cash Back Back On Other Balance Purchases $5.85 $6.85 Cash Back Credited this Statement $96.00 EIGHBOURHOOD JAN DRUG 10 JAN STORE 11 THE - KITCHEN ANYWHERE STORE ON $30.00 $ New Cash Back Balance $6.85 ign Currency - EUR JAN 101 OF JAN Exchange 11 2 A NEIGHBOURHOOD rate DRUG STORE - ANYWHERE ON $30.00 CONTACT US Foreign Currency - EUR Exchange rate CONTACT US OKS FOR YOU JAN 10 JAN 11 BOOKS FOR YOU $ $ Customer Service / Lost / Lost & Stolen & Stolen SH BACK CREDIT -$ Collect america (416) SH BACK $13, IMPORTANT INFORMATION CREDIT -$ Collect Outside North america (416) rbc rewards travel redemption JAN 10 JAN 11 SHOES ONLINE - CALGARY $ rbc merchandise rewards redemption travel redemption ES ONLINE - CALGARY JAN 10 JAN 11 EZY-HAIR $ $ Web site merchandise redemption SMITH JAN 10 JAN 11 MAMMA S KITCHEN - TORONTO $ HAIR $ Web PAYMENTS site & INTEREST RATES LDER SH ADvANCE CASH BACK $ SUMMARY minimum payment $5, MMA S KITCHEN JAN 10 - TORONTO JAN 11 CASH ADvANCE INTEREST 3.99% $ $10.17 Payment due date Feb 3, 2012 Credit limit $300, SH ADvANCE INTEREST 5.90% Previous Cash $20.04 Back PAYMENTS Balance & INTEREST RATES $96.00 SH ADvANCE AMOUNT ($) $ available credit $0.00 SH ADvANCE INTEREST 1.99% Cash Back On $10.17 Grocery minimum Purchases payment $2.25 $5, Annual interest rates: SH ADvANCE INTEREST JAN 10 JAN 3.99% 11 PURCHASE INTEREST 19.99% $10.17 $ Payment due date Feb 3, 2012 $ Cash Back On Other Purchases: 19.99% $5.85 SUbTOTAL Of MONTHLY ACTIVITY $297, Credit Cash limit advances (expires Jan13/12): 1.99% $300, SH ADvANCE INTEREST 5.90% Cash Back $20.04Credited this Other Statement rates (refer to interest rate Chart) $96.00 SIR RAYMOND JOHN frank CHAMbERLAIN SMITH CO-APPLICANT CARDHOLDER available credit $0.00 SH ADvANCE INTEREST $ % New Cash $10.17 Back Balance CALCULATING YOUR BALANCE $6.85 TRANSACTION POSTING ACTIVITY DESCRIPTION AMOUNT ($) Annual Previous interest Statement rates: Balance $13, RCHASE HERE ON INTEREST 19.99% $30.00 $ JAN 10 JAN 11 PIZZA IS US - MARKHAM $ Purchases: Payments & credits $ % Purchases & debits $303, Y ACTIVITY JAN 11 JAN 12 THE OvER A DOLLAR STORE CONTACT - $297, HEARTLAND US $ Cash advances (expires Jan13/12): 1.99% Purchases & OvER A DOLLAR STORE $ HEARTLAND Cash SHI MISSISSJANA rbc royal BaNK $ $ interest $ CreDit CarD PaYmeNt CeNtre NEW BALANCE MINIMUM PAYMENT PAYMENT DUE AMOUNT PAID P.O. BOX 4016, StatiON a $312, $ Fees FEB 03, 2012 $0.00 EPLEX 300 HD - vjanhan PAYMENTS $ & INTEREST RATES toronto, ONtariO m5w 2e6 $ NGLASS TENT - SHERWAY minimum $300.00payment NEw RBC BALANCE Cash Back MasterCard $312, $5, CD SUPER ESTORE - NASHvILLE, $10.17 TENNESSEE Payment $ due date Feb 3, 2012 Payment options rbc _370909_ telephone banking Y ACTIVITY Credit $1, limit $300, $20.04 Online banking rbc royal Bank atm Dr. HeatHer SmitH rbc royal Bank Branch raymond SmitH available credit By mail $ $10.17 main Street Detach and return with payment VaNCOUVer BC V5t 3C2 Please do not send cash through the mail Please do not staple or damage this form Annual interest rates: $ Purchases: 19.99% NK $297, Cash advances (expires Jan13/12): 1.99% ayment CeNtre NEW BALANCE MINIMUM PAYMENT PAYMENT DUE AMOUNT PAID Other rates (refer to interest rate Chart), StatiON SMITH a $312, $ FEB 03, 2012 tario m5w 2e6 Cash advances $ JAN 10 JAN 11 SUSHI MISSISSJANA $ Other interest rates (refer to interest $ rate Chart) OND JOHN frank Fees $0.00 JAN 11$ CHAMbERLAIN JAN 12 CINEPLEX 300 HD SMITH - vjanhan Customer Service $ / Lost & Stolen JAN CO-APPLICANT 10 JAN 11 SUNGLASS CARDHOLDER TENT - SHERWAY $ Collect Outside North CALCULATING NEw america BALANCE YOUR BALANCE (416) $312, $ JAN 11 JAN 12 ABCD SUPER ESTORE - NASHvILLE, TENNESSEE $ IVITY DESCRIPTION AMOUNT ($) SUbTOTAL Of MONTHLY ACTIVITY rbc rewards $1, travel Previous redemption Statement Balance $13, $ ZA IS US - MARKHAM merchandise $ redemption Payments & credits $ Web $ site debits $303, advances $ rbc _370909_ Hri V D HOLDER AMOUNT ($) $ D $ SmitH rbc _370909_ Congratulations! Congratulations! You have received $96.00 in CASH BACK credits. CALCULATING YOUR BALANCE RBC Cash Back MasterCard Previous Statement Balance $13, Payments & credits Payment options $ telephone banking Purchases & debits Online banking $303, Cash advances rbc royal Bank atm $800.00

5 Security and protection. Purchase Security and Extended Warranty Insurance 1 Purchases made with your RBC Cash Back MasterCard are automatically protected against loss, theft or damage for up to 90 days from the date of purchase. The coverage also doubles the manufacturer s original Canadian warranty for up to one extra year. Please keep your receipts in the event you need to make a claim, and refer to the Certificate of Insurance for complete details regarding this coverage. Zero Liability Protection against unauthorized use of your card in person or online is absolutely essential. Zero Liability protects you from fraudulent charges, provided you have taken reasonable precautions to protect your PIN and your card, as set out in your RBC Royal Bank Credit Card Agreement. Chip & PIN security The state-of-the-art chip & PIN technology embedded in your RBC Cash Back MasterCard card helps protect you against counterfeiting and fraud and makes an already safe payment system even more secure. Tap and Go with PayPass When speed is essential, MasterCard PayPass is like having exact change wherever you go. A simple tap of your card is all it takes to pay at the checkout.

6 Get more with additional cardholders. Add a co-applicant or authorized user to your account and you can take advantage of the following benefits: n Earn cash back credits faster by consolidating all your spending in one account. n All transactions on one monthly statement, sorted by card number. n All cardholders protected by the same insurance coverages. You set the spending limits When you add authorized users to your account, you can assign a pre-set credit limit to each user. It s a convenient way to give older children, or caregivers, limited access to funds in case of an emergency. And, if you add a co-applicant, they will enjoy full access to the credit limit and all purchasing privileges that come with the card. Call us at or visit your nearest RBC Royal Bank branch to add a co-applicant or authorized user today. Enjoy all the advantages of your credit card n Worldwide acceptance n Access to cash advances n Credit card cheques n Commission-free traveller s cheques n Time-saving Autopayment service n RBC Royal Bank Online Banking n estatements n Emergency card replacement For a complete description of all your card benefits, please visit us online at rbc.com/nofeecashbackinfo

7 / Trademarks 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). You will earn i) $2.00 back for every $ (2% Cash Back Credit) in Grocery Store Purchases you make, up to a maximum of $6,000 per Annual Period, ii) $1.00 back for every $ (1% Cash Back Credit) in Grocery Store Purchases you make in excess of $6,000 during an Annual Period, unlimited, iii) $0.50 back for every $ (0.5% Cash Back Credit) in Net Purchases you make (including pre-authorized bill payments), other than Grocery Store Purchases, up to a maximum of $6,000 per Annual Period, and iv) $1.00 back for every $ (1% Cash Back Credit) in Net Purchases you make (including pre-authorized bill payments), other than Grocery Store Purchases, in excess of $6,000 during an Annual Period, unlimited. Grocery Store Purchases are purchases made at merchants classified by MasterCard s Merchant Category Code as grocery stores and supermarkets (MCC 5411). Royal Bank of Canada ( Royal Bank ) cannot guarantee that any merchant, operating in whole or in part as a grocery store, is classified by MCC 5411, and in no event will Royal Bank be liable or responsible for any claims with respect to a grocery store purchase made at a merchant that is not classified by MCC To consult the list of participating merchants, please visit Provided your New Cash Back Balance is $25 or greater, Cash Back Credits earned during the Annual Period will i) automatically be credited to your January Account balance and appear on your February Account Statement, and/or ii) be credited at any other time, upon request. Cash Back Credits 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 cash back credits earned by the amounts originally charged. For complete details, please refer to the RBC Cash Back Program Terms and Conditions at nofeecashback. Co-applicant is fully responsible with you for all amounts owing on the account, including transactions made by authorized users, if any. Cash Advances, including cash withdrawals from an ATM and credit card cheques, can be made up to your available and daily limits. There is no interest-free period for Cash Advances, which means that interest is charged from the day the Cash Advance is made until we receive your payment for the total amount you owe. Cash Advance fees may apply depending on the type of Cash Advance. Please refer to your RBC Royal Bank Credit Card Agreement for more details. 1 Coverage underwritten by RBC General Insurance Company in the Province of Quebec and by RBC Insurance Company of Canada in the rest of Canada. All insurance is subject to limitations and conditions. Please refer to the Certificate of Insurance in your welcome kit for details.

8 Important information. RBC Royal Bank Customer Service Card inquiries and information In Canada/U.S.: ROYAL 1-2 ( ) Outside Canada/U.S.: call collect Lost or stolen cards, 24 hours/7 days In Canada/U.S.: ROYAL 1-2 ( ) International: (Access code) 800 ROYAL (Access code) ( ) Collect: If you prefer not to have telephone access to your account information, please call ROYAL 1-2 ( ) to disable this service. RBC Cash Back Credits Call ROYAL 1-2 ( ) VPS (04/2015)