RBC Group Advantage. Banking at work for you.

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1 RBC Group Advantage Banking at work for you.

2 Advice. Support. Savings. Rewards. That s what sets RBC Group Advantage apart. Financial stress affects most of us at various times in our lives. RBC Group Advantage solutions that enhance your financial well-being. Advice Your needs are unique, which is why we offer advice tailored to your individual circumstances. Support Count on a team of experts supporting you in your workplace, saving both time and money, through RBC at Work. Our team is always available at That s why your employee benefits package includes the RBC Group Advantage program your employer is committed to providing you with the opportunity to improve your financial wellness by helping you to save money and work toward your financial goals. 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. Savings Get more from your banking with your choice of everyday banking accounts, plus all-inclusive packages that could save you up to $1,113 a year^. Rewards Benefit from all that RBC Group Advantage has to offer, and earn RBC Rewards points, worth up to $625 in gift cards +.

3 All-inclusive banking packages that suit you, with savings built in. Enjoy the advantages. Benefit from all-inclusive banking packages that were created to give you flexibility and real value every day. Plus, as an RBC Group Advantage member, you get more rewards when you switch to RBC Royal Bank. OUR BEST VALUE PACKAGE. RBC VIP BANKING UP TO$1,113^ IN ANNUAL SAVINGS! RBC SIGNATURE NO LIMIT BANKING UP TO $614Δ IN ANNUAL SAVINGS! Take advantage of the most in-demand banking features, brought together to deliver true savings and simplicity. Unlimited non-rbc ATM use in Canada and the U.S. with the access fee refunded * Two additional Canadian accounts and one U.S. personal account ++ RBC Visa Infinite Avion card annual fee fully rebated for both you and a co-applicant (a $170 value) +++ And many more features Monthly fee: $30.00 After MultiProduct Rebate : $22.50 PLUS get 15,000 RBC Rewards points RBC VISA INFINITE AVION ANNUAL FEE FULLY REBATED WITH THE RBC VIP BANKING PACKAGE! With no blackout periods, seating restrictions or points expiry, Avion is the easiest way to fly^^. Earn 1 RBC Rewards point for every $1 spent on net purchases PLUS get 20,000 RBC Rewards points Get unlimited debit transactions for a low, flat monthly fee plus: 3 non-rbc ATM access fees refunded every month Annual fee fully rebated on your Signature RBC Rewards Visa card (a $39 value) And many more features Monthly fee: $14.95 After MultiProduct Rebate : $10.95 PLUS get 10,000 RBC Rewards points SIGNATURE RBC REWARDS VISA ANNUAL FEE FULLY REBATED WITH THE RBC SIGNATURE NO LIMIT BANKING PACKAGE Redeem points for exciting rewards including gift cards, travel, merchandise and more ***. Earn 1 RBC Rewards point for every $1 spent on net purchases PLUS get 5,000 RBC Rewards points TOTAL PACKAGE 35,000 RBC REWARDS + TOTAL PACKAGE 15,000 RBC REWARDS + GREAT REASONS TO GET AN RBC ROYAL BANK MORTGAGE: Up to 120-day interest rate guarantee Flexible pre-payment options Home Equity Credit Line at Prime+1/2% (Prime +1% at other banks) 1 GREAT RATES. FLEXIBILITY. EXPERT ADVICE. We ll cover your switching costs 2 Canada s largest mortgage specialist team advice that comes to you THE FASTEST ROUTE TO MORE REWARDS 100 RBC REWARDS FOR EVERY $1,000 IN FUNDED MORTGAGE 3

4 Watch your points add up and turn into your choice of rewards. There are more ways to earn rewards as an RBC Group Advantage member, giving you the opportunity to turn your points into the rewards of your choice faster. CUSTOMSWITCH MAKES SWITCHING BANKS EASY AT NO EXTRA COST. We ll take care of all the details for you Plus, receive 5,000 RBC Rewards points HERE S HOW QUICKLY RBC REWARDS CAN ADD UP RBC VIP BANKING 15,000 Redeem your points for what s important to you. GIFT CARDS/CERTIFICATES Choose from retailers like Cineplex, Best Buy, Home Depot, Esso, itunes and Sears. TRAVEL REWARDS Redeem your RBC Rewards points for flights, cruises, package holidays, hotel stays, and car rentals. BRAND NAME MERCHANDISE Choose from electronics, kitchen gadgets, golf gear, and more, from top brands like Sony, Cuisinart, and TaylorMade RBC VISA INFINITE AVION CARD + 20,000 RBC HIGH INTEREST esavings ACCOUNT + 2,500 CUSTOMSWITCH + 5,000 42,500 RBC REWARDS 4 TOTAL RBC BANKING PACKAGES + RBC MORTGAGE Worth up to $350 in gift cards + RBC ROYAL BANK MORTGAGE + $325,000 mortgage = 32,500 RBC REWARDS 75,000 RBC REWARDS 5 Worth up to $625 in gift cards + Reward yourself with financial peace of mind. Turn your RBC Rewards points into RBC Financial Rewards vouchers that you can use to invest in your future or help pay down your RBC Royal Bank Mortgage or some of your personal loans faster.

5 Are you getting the most from your employee benefits? Bigger savings. Better rewards. As an RBC Group Advantage member, you can be sure you re getting the most in value and that your financial needs are being met. RBC Group Advantage gives you more for your money. Check. Access to RBC at Work our advisors come to you, at your workplace Save up to $1,113^ with all-inclusive banking packages Earn valuable RBC Rewards points We ll transfer your bank accounts to RBC Royal Bank at no cost With RBC Group Advantage you can get up to $625 in gift cards+. Get great rates, flexibility and expert advice with an RBC Royal Bank Mortgage Make the switch to an RBC banking package and you can earn valuable RBC Rewards points. Switch your mortgage to earn even more points for a total of up to $625 in gift cards +. Rebated or waived fees for having multiple products 6 Largest combined bank ATM and branch network in Canada Get RBC Group Advantage working for you today. Named Best Retail Bank in North America 2012 ** For more information or to enroll, call Or visit us at rbc.com/rbcatwork

6 / 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). ^ Savings were calculated assuming the use of all banking services available within the RBC VIP Banking package. The amount actually saved will vary depending on the extent to which you use each of the account services. For this calculation, the following assumptions regarding service use were made: overdraft protection, 1 cheque order annually, 2 Interac e-transfers per month, $2,500 CDN of travellers cheques purchased annually, plus use of 4 drafts/ services annually, travel coupon; the annual rental of a small safe deposit box. Monthly savings also include 100 debits (operating and alternate accounts), 3 Interac ATM withdrawals per month, 1 PLUS ATM withdrawal, 2 cross-border debits per month, 2 certified cheque services, annual credit card fee of the applicant/co-applicant credit card, 1 assisted stop-payment annually and Self-Directed RRSP. Δ Savings were calculated assuming the use of all banking services available within the Signature No Limit package. The amount actually saved will vary depending on the extent to which you use each of the account services. For this calculation, the following assumptions regarding service use were made: Overdraft protection, 1 cheque order annually, 2 Interac e-transfers per month, $2,500CDN of travelers cheques purchased annually, plus the use of 4 bank drafts annually, travel coupon and the annual rental of a small safe deposit box. Savings for the RBC Signature No Limit Banking account also includes 45 debits per month, 3 Interac withdrawals per month and annual fees on an Rewards credit card. * ATM operator surcharge (also called a convenience fee) may be charged by other ATM operators. The convenience fee is not a Royal Bank fee and 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. 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 which is 2.5% above the bench mark 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. ATM operator surcharge (also called a convenience fee) may apply. It is charged by a third party and added directly to the amount of your cash withdrawal. Totals are not cumulative, and if not used, may not be carried over in to the next Monthly Cycle. + To receive $625 worth of gift cards/certificates, you will need a total of 75,000 RBC Rewards points. To receive $350 worth of gift cards/certificates, you will need a total of 42,500 RBC Rewards points. For more details on the RBC Rewards Program, visit For complete terms and conditions of the group banking offer, visit ++ Eligible Canadian accounts include any two of the following banking accounts with the monthly fees waived: RBC Day to Day Banking, RBC Enhanced Savings and RBC Day to Day Savings. The eligible U.S. Account is the U.S. Personal Account. All accounts must be in the same geographic location or region. +++ If you have an RBC Visa Infinite Avion card, you will be rebated the $120 annual fee as long as you have an RBC VIP Banking account and your credit card remains in good standing. Additional cardholder(s) $50 annual fee is also rebated as long as you remain a RBC VIP Banking account holder and your credit card remains in good standing. Royal Bank of Canada reserves the right to withdraw this offer at any time, even after acceptance by you. 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. 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 eligible credit card, 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. 1 The interest rate will fluctuate with the Prime Rate and is subject to change at any time without notice. These rates can be changed, withdrawn or extended at any time without notice. Residential mortgages are offered by Royal Bank of Canada and are subject to its standard lending criteria. 2 We will pay the basic title insurance fee, processing fee and one discharge fee (up to $300 maximum). Offer excludes mortgage prepayment charges that you may have to pay. Minimum advance $100, Eligible RBC Royal Bank residential mortgages include 4, 5 and 7 year, fixed rate, closed terms with a maximum 120-day rate guarantee, conventional or default insured residential mortgages, RBC Homeline Plan mortgage segments that are funded on the same day the RBC Reward points offer is extended, and builder retail mortgages with a single advance on completion. Offer only applies to purchase transactions or a switch from another Canadian financial institution. 4 Points calculated based on opening an RBC VIP Banking account and completing the qualifying criteria, getting an RBC Visa Infinite Avion credit card, completing CustomSwitch and opening an RBC High Interest esavings account. Please visit for full details. 5 Points calculated based on opening an RBC VIP Banking account and completing the qualifying criteria, getting an RBC Visa Infinite Avion credit card, completing CustomSwitch, opening an RBC High Interest esavings account and funding a $325,000 mortgage. Please visit for full details. 6 If you have an eligible banking account and two or more qualifying, eligible RBC products in the same geographic location (region), you may receive a partial or full rebate on your Monthly Fee. Eligibility is as follows: RBC VIP Banking and RBC Signature No Limit Banking, monthly banking fees are partially rebated with a qualifying RBC investment product, RBC credit card, and RBC mortgage or RBC Homeline Plan. For RBC No Limit Banking, monthly banking fees are fully rebated with a qualifying RBC investment product, RBC credit card, and RBC mortgage or RBC Homeline Plan. For clients aged 60+, no mortgage is required to qualify for fully rebated banking on their RBC No Limit banking account. For the RBC Day to Day Banking and RBC No Limit Banking for Students Accounts, monthly banking fees are fully rebated with a qualifying RBC investment product and eligible RBC credit card. Information on qualifying credit cards, investment s and home equity financing products may be obtained at any RBC Royal Bank branch, by calling ROYAL 1-1 or online at Qualifying RBC products for MultiProduct Rebate may be added or changed without notice. Only one rebate per account. MultiProduct Rebate does not apply automatically where ownership differs between the banking account and the eligible products. Some conditions apply. Points calculated based on funding of an eligible RBC Royal Bank residential mortgage and completing the qualifying criteria. Please visit rbc.com/groupterms for full details. Personal lending products and residential mortgages are provided by Royal Bank of Canada and are subject to its standard lending criteria. ** Retail Banker International Awards, held May 18, 2012, in partnership with Retail Banker International and exclusively sponsored by Fiserv recognizes the best within retail banking globally. Just under 300 banks were nominated globally in 22 award categories. RBC Royal Bank was the only Canadian financial institution to win an award. ^^ RBC Rewards points will be cancelled if they remain unredeemed within ninety (90) days after the termination of the RBC Rewards program or after you voluntarily close your RBC Royal Bank credit card account. *** All rewards are subject to availability (03/2013)