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

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1 RBC Welcome to 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 n Access to service in 180 languages 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 Why choose RBC? 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 4 RBC Royal Bank Welcome to Canada 5 Two banking packages that can save you money RBC Welcome to Canada package You can enjoy these same benefits for your U.S. dollars as well with an RBC US High Interest esavings account. Choice of bank account Monthly banking fee Monthly fee after the waiver period RBC Signature No Limit Banking account RBC VIP Banking account Waived for Waived for 6 months 5 3 months 6 $14.95 $30 Debit transactions per month 7 Unlimited 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 RBC Royal Bank credit card 3 Rebate on Annual fee fully the annual fee rebated for both on an eligible applicant and RBC Royal Bank co-applicant credit card 16 3 Preferred interest rates on guaranteed investment 4 4 certificates(gics) 17 Preferred rate on foreign exchange transactions for 12 months 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. 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, 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 $ 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. All other trademarks are the property of their respective owner(s).

5 Talk to one of our RBC advisors about banking in Canada: n For service in 180 languages, call n For service in Mandarin or Cantonese, call n To find a branch near you, visit maps.rbc.com For useful tips, tools, resources and checklists that will make your transition to Canada easier, visit us online at rbc.com/canada, where you will find a wealth of resources, including fact sheets and guidebooks to help you settle in your new country. Our website is also available in French at rbc.com/francais/canada and in Simplified Chinese at rbc.com/chinese/canada (06/2012)

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