Lower Interest Rate. Higher Savings.

BENEFITS GUIDE RBC RateAdvantage Visa card Lower Interest Rate. Higher Savings.

The RBC RateAdvantage Visa card. The smart choice to save you more. With a low variable annual interest rate, your RBC RateAdvantage Visa card helps you save on interest charges while you enjoy the convenience and protection of an RBC Royal Bank Visa card. Save even more by using your card and making on-time minimum payments each month to enjoy a full annual fee rebate.** Quick card overview Low Variable Annual Interest Rate Annual Fee: Primary Card Additional Cards Annual Fee Rebate Insurance Coverage Additional Benefits Save money with a low, variable annual interest rate based on your credit history and financial standing. + $39 $0 Receive a rebate of the annual fee of $39 through monthly statement credits when you use your card and make at least the minimum payment by the due date each month.** n Car Rental Collision/Loss Damage Insurance n Purchase Security Insurance n Extended Warranty Insurance n Travel Accident Insurance n Zero Liability Protection n CHIP & PIN technology for enhanced security n Visa paywave just tap your card to pay Don t forget! Important steps for new cardholders: 1. Activate your card. 2. View your Benefits Guide online at www.rbc.com/rateadvinfo. If you have any questions about your card, please call us at 1-800 ROYAL 1-2 (1-800-769-2512).

Lower interest rate. Higher savings. Whether you need convenient access to low-cost financing or you want to transfer higher interest rate balances to your low variable interest rate RBC RateAdvantage Visa card, ++ this card is the ideal solution. Start using your card and start saving money today. Financing Interest Rate Interest Charges to finance $5,000 annually Retail Store 29.9% $1,495.00 Standard Credit Card 19.9% $995.00 RBC RateAdvantage 7.99% to 11.99% + $399.50 to $599.50 Carry it everywhere You can use your RateAdvantage card like any credit card at retailers that accept Visa. You can also use it to withdraw cash from ATMs everywhere or write RBC Royal Bank credit card cheques to transfer balances from higher rate credit cards to your low annual interest rate credit card. ++

Saving more is as easy as 1-2-3! Get a valuable rebate each month. Receive a $39 annual fee rebate** by following these 3 simple steps: 1. Use your low variable annual interest rate card each month. Finance everyday purchases and large ticket items, access cash or transfer high interest credit card balances to your RBC RateAdvantage Visa card. ++ 2. Make at least your monthly minimum payment by the payment due date each month. Smart money management tip: to make this even simpler, use Autopay for free to make your minimum payment each month. Call us at 1-800-769-2512 to set up Autopay today. 3. Look for your Annual Fee Rebate on your monthly statement. Once you use your card and make at least your minimum monthly payment during a statement period, 1/12 of your annual fee will be automatically credited to RBC RateAdvantage Visa DR. HEATHER SMITH 4514 09** **** 3469 your account on your next statement.** RAYMOND SMITH 4514 09** **** 3578 STATEMENT FROM DEC 14 TO JAN 13, 2010 1 OF 2 IMPORTAN Custome 000000000 P RBC 4514 PREVIOUS STATEMENT BALANCE $13,451.31 DR HEATHER-ANNE MICHELE MONTGOMERY-SMITH 4514 09** **** 3469 PRIMARY CONTA TRANSACTION POSTING ACTIVITY DESCRIPTION AMOUNT ($) DATE DA`TE Collect O DEC 27 DEC 28 PAYMENT - THANK YOU $5000.000 JAN 10 JAN 11 THE KITCHEN STORE $450.00 PAYME JAN 10 JAN 11 A NEIGHBOURHOOD DRUG STORE - ANYWHERE ON $300.00 Minimum Foreign Currency - EUR 14.70 Exchange rate - 1.586394 Paymen JAN 10 JAN 11 BOOKS FOR YOU $450.00 Credit li JAN 10 JAN 11 ANNUAL FEE CREDIT -$3.25 Availabl Past due JAN 10 JAN 11 SHOES ONLINE - CALGARY $250.00 Annual JAN 10 JAN 11 EZY-HAIR $150.00 Purchase JAN 10 JAN 11 MAMMA S KITCHEN - TORONTO $355.00 Cash adv JAN 10 JAN 11 CASH ADVANCE $800.00 JAN 10 JAN 11 CASH ADVANCE INTEREST $10.17 CALCU JAN 10 JAN 11 CASH ADVANCE INTEREST $20.04 Previous JAN 10 JAN 11 CASH ADVANCE INTEREST $10.17 Payme Purch JAN 10 JAN 11 PURCHASE INTEREST $218.57 Cash a SUBTOTAL OF MONTHLY ACTIVITY $297,358.95 Intere Fees RBC RateAdvantage Visa SIR RAYMOND JOHN FRANK CHAMBERLAIN SMITH 4514 09** **** 3578 CO-APPLICANT NEW B DR. HEATHER SMITH 4514 09** **** 3469 RAYMOND SMITH 4514 09** **** 3578 STATEMENT FROM DEC 14 TO JAN 13, 2010 1 OF 2 TRANSACTION POSTING ACTIVITY DESCRIPTION AMOUNT ($) DATE DATE $13,451.31 JAN 10 IMPORTANT JAN 11 INFORMATION PIZZA IS US - MARKHAM $300.00 PREVIOUS STATEMENT BALANCE JAN 11 JAN CONTACT 12 US THE OVER A DOLLAR STORE - HEARTLAND $100.00 DR HEATHER-ANNE MICHELE MONTGOMERY-SMITH 4514 09** **** 3469 PRIMARY AMOUNT JAN ($) 10 JAN Customer 11 Service SUSHI / Lost 100 & Stolen - MISSISSJANA 1-800-769-2512 $300.00 TRANSACTION POSTING ACTIVITY DESCRIPTION DATE DA`TE Collect Outside of North America (416) 974-7780 $5000.000 JAN 11 JAN 12 CINEPLEX 300 HD - VJANHAN $100.00 DEC 27 DEC 28 PAYMENT - THANK YOU JAN 10 JAN 11 THE KITCHEN STORE $450.00 JAN 10 JAN PAYMENTS 11 SUNGLASS & INTEREST TENT RATES- SHERWAY $300.00 JAN 10 JAN 11 A NEIGHBOURHOOD DRUG STORE - ANYWHERE ON $300.00 JAN 11 Minimum JAN Payment 12 payment $270.00 ABCD SUPER ESTORE - NASHVILLE, TENNESSEE due date Jan 27, 2010 $100.00 Foreign Currency - EUR 14.70 Exchange rate - 1.586394 Credit limit JAN 10 JAN 11 BOOKS FOR YOU $450.00 $10,000.00 credit SUBTOTAL OF MONTHLY $2,590.00 ACTIVITY $1,200.00 JAN 10 JAN 11 ANNUAL FEE CREDIT -$3.25 Available Past due amount $0.00 Annual interest rates: JAN 10 JAN 11 SHOES ONLINE - CALGARY $250.00 Purchases JAN 10 JAN 11 EZY-HAIR $150.00 7.99% Cash advance (Expires Aug 10/09) 7.99% 001 0018 4514090016363469 JAN 10 JAN 11 MAMMA S KITCHEN - TORONTO $355.00 JAN 10 JAN 11 CASH ADVANCE $800.00 CALCULATING YOUR BALANCE JAN 10 JAN 11 CASH ADVANCE INTEREST $10.17 RBC ROYAL BANK Previous Statement Balance $13,451.31 NEW JAN 10 JAN 11 CASH ADVANCE INTEREST $20.04 BALANCE MINIMUM PAYMENT CREDIT CARD PAYMENT CENTRE $312,410.26 $270.00 Payments & credits -$53.74 P.O. BOX 4016, STATION JAN 10 JAN 11 CASH ADVANCE INTEREST $10.17 Purchases & debits A $0.00 TORONTO, Cash advances ONTARIO $0.00 JAN 10 JAN 11 PURCHASE INTEREST $218.57 M5W 2E6 Interest $43.10 SUBTOTAL OF MONTHLY ACTIVITY $297,358.95 Fees $0.00 SIR RAYMOND JOHN FRANK CHAMBERLAIN SMITH 4514 09** **** 3578 CO-APPLICANT NEW BALANCE $312,410.26 RBC0151010_370909_001-1 - 1_HRI - 00-2 - 2 - V - 2 - D TRANSACTION POSTING DATE ACTIVITY DESCRIPTION AMOUNT ($) DATE JAN 10 JAN 11 PIZZA IS US - MARKHAM $300.00 JAN 11 JAN 12 THE OVER A DOLLAR STORE - HEARTLAND $100.00 JAN 10 JAN 11 SUSHI 100 - MISSISSJANA $300.00 JAN 11 JAN 12 CINEPLEX 300 HD - VJANHAN $100.00 RBC0151010_370909_001-1 - 1 00001 DR. HEATHER SMITH RAYMOND SMITH Paym Tele Onli RBC RBC By m

Shop with convenience and protection. Borrow with confidence. T INFORMATION Auto Rental Collision/Loss Damage Insurance. 1 Use your RBC RateAdvantage Visa card to pay the full cost of renting most vehicles (48 consecutive days or less) to be covered against collision, theft, loss, fire and vandalism. If damage occurs, simply call Assured Assistance. Purchase Security and Extended Warranty Insurance. 2 Purchases made with your RBC RateAdvantage Visa card 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. Travel Accident Insurance. 3 Use your RBC RateAdvantage Visa card to pay the full cost of transportation on a common carrier and you re automatically covered for up to $500,000 CAD in the event of a covered accidental death or dismemberment while travelling. Zero Liability Protection. 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 RateAdvantage Visa Agreement. CT US r Service / Lost & Stolen 1-800-769-2512 utside of North America (416) 974-7780 NTS & INTEREST RATES payment $270.00 t due date Jan 27, 2010 mit $10,000.00 e credit $2,590.00 amount $0.00 interest rates: s 7.99% ance (Expires Aug 10/09) 7.99% LATING YOUR BALANCE Statement Balance $13,451.31 nts & credits -$53.74 ases & debits $0.00 dvances $0.00 st $43.10 $0.00 ALANCE $312,410.26 000 0027000 31241026 RBC0151010_370909_001-1 - 1_HRI - 00-2 - 2 - V - 2 - D Chip & PIN Security. The state-of-the-art Chip & PIN technology embedded in your RateAdvantage card helps protect you against counterfeiting and fraud and makes an already safe payment system even more secure. Visa paywave: speed, convenience and security made easy. With Visa paywave s contactless feature, you have a fast, convenient and very secure way to pay for small everyday purchases. For more information, please refer to the information sent with your card, or visit www.rbcroyalbank.com/cards/visapaywave. AYMENT DUE DATE JAN 27, 2010 AMOUNT PAID RateAdvantage Visa 09** **** 3469 / 4514 09** **** 3578 ent options phone banking 1-800-769-2511 ne banking www.rbcroyalbank.com Royal Bank ATM Royal Bank Branch ail

Flexible options for additional cardholders. Add a co-applicant* or authorized user to your account at no additional annual fee and take advantage of the following benefits: n All cardholders are protected by the same insurance coverages. n All transactions are on one monthly statement, sorted by card number. 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 1-800-769-2512 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 travellers cheques n Time-saving Autopay 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 www.rbc.com/rateadvinfo

CustomSwitch makes it easy to transfer pre-authorized payments. Transferring existing pre-authorized payments or adding new ones is easy with the RBC cards CustomSwitch service: n Online: visit www.rbc.com/cardscustomswitch and complete the CustomSwitch Request Form. n Telephone: 1-866-299-5926 (Monday to Friday, 8 a.m. to 8 p.m. local time) Before you call, please be sure you have the following pre-authorized payment information on hand: name of merchant, amount and frequency of payments and merchant account number. Your RBC RateAdvantage Visa card must be activated before you transfer or add new pre-authorized payments. If your new card is replacing your current card, your existing pre-authorized payments must be updated to avoid any interruptions. / 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). + The annual interest rate is based on our Prime Rate plus a fixed percentage rate of interest above Prime Rate that ranges between 4.99% and 8.99%. The fixed percentage rate of interest above Prime Rate will be determined based on the information you provide in your application and information we collect from other sources, including credit rating agencies, and is subject to change. We will give you at least 30 days written notice of any increase of your fixed percentage rate of interest above Prime Rate. Prime Rate means the annual rate of interest Royal Bank of Canada announces from time to time as a reference rate then in effect for determining interest rates on Canadian dollar commercial loans in Canada. It can be found in branches and online at www.rbcroyalbank.com/rates. Our Prime Rate in effect on the first business day of the month will be the Prime Rate we use for the purposes of calculating your annual interest rate for the monthly statement period ending in that month, even if our Prime Rate has changed during the month. As of March 24, 2014, Prime Rate was 3.00%. ++ RBC Royal Bank credit card cheques and balance transfers can be used to transfer balances from your other financial institution s credit card accounts to your RBC RateAdvantage Visa account. They cannot be used to pay any RBC Royal Bank credit card account or used for pre-authorized payments. For illustrative purposes only. Cost comparison made with various credit cards and interest accumulated over 12 months. It is based on a $5,000 transfer, with no promotional rate fee and assuming only the minimum payment is made each month and that balance is carried for 12 months without other transactions. Actual interest cost and your potential savings depend on outstanding balance, payment amounts/timing and other factors. * Co-applicant is fully responsible with you for all amounts owing on the account, including transactions made by authorized users, if any. ** The RBC RateAdvantage Annual Fee Rebate Program ( Program ) allows you to get 1/12 of your credit card annual fee credited back to your credit card account ( Credit ), for any monthly statement period ( Period ) if (i) you make at least your minimum payment by the payment due date, and (ii) you or any other cardholder on the account makes at least one (1) eligible financial transaction which impacts your credit card account balance ( Eligible Transaction ), such as, but not limited to, a purchase, a cash advance or a bill payment. Except for the annual fee, a fee or an interest charge is also considered an Eligible Transaction. For greater clarity, this means that provided you meet the conditions explained in (i) and (ii) above every Period, your annual fee will be entirely credited to your credit card account over a 12-month period, year after year, for as long as your credit card account remains in good standing. For any Period you meet the conditions

Important information. RBC Royal Bank Customer Service Card inquiries and information In Canada/U.S.: 1-800 ROYAL 1-2 (1-800-769-2512) Outside Canada/U.S. call collect: 416-974-7780 Lost or stolen cards, 24 hours, 7 days In Canada/U.S.: 1-800 ROYAL 1-2 (1-800-769-2512) International: (Access code) + 800 ROYAL 5-2-3 (Access code) + (800-769-25523) Collect: 514-392-9167 If you prefer not to have telephone access to your account information, please call 1-800 ROYAL 1-2 (1-800-769-2512) to disable this service. Assured Assistance Inc. For assistance with the travel insurance coverages listed in this guide: In Canada/U.S.: 1-800-533-2778 Outside Canada/U.S. call collect: 905-816-2581 TDD/TTY: 1-800 ROYAL 1-8 (1-800-769-2518) For all of your important credit card numbers in a convenient wallet-sized card, please visit: www.rbcroyalbank.com/cards/walletcard explained in (i) and (ii) the Credit will be applied to your credit card account on your next statement date and will appear as RateAdvantage Annual Fee Credit on your next monthly statement. The Credit does not count towards your minimum monthly payment. Should you close your credit card account prior to your next statement date, the Credit you may be entitled to for meeting the conditions explained in (i) and (ii) for that Period, will be lost. Royal Bank of Canada reserves the right to change or cancel the Program at any time. Cash advances, including cash withdrawals from an ATM and credit card cheques, can be made up to your available credit 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 RateAdvantage Visa Agreement for more details. 1 Coverage underwritten by RBC General Insurance Company. 2 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. You will receive a Certificate of Insurance with complete details regarding the insurance coverage on your RBC RateAdvantage Visa card. 3 Coverage underwritten by RBC Insurance Company of Canada. VPS87050 103369 (04/2014)