The card that makes perfect business sense.

Benefits Guide RBC Royal Bank Visa* CreditLine for Small Business TM The card that makes perfect business sense. BUSINESS

Convenience ACCESS REWARDS Welcome to RBC Royal Bank Visa* CreditLine for Small Business TM 3 The best of both worlds. Low interest rate and convenience. As an RBC Royal Bank Visa CreditLine for Small Business cardholder you get the functionality of a line of credit with competitive interest rates (based on Prime ++ plus a premium) and the convenience of a credit card. Plus, you are automatically enrolled into the RBC Rewards program where you can redeem points for an outstanding variety of rewards. quick card overview RBC Rewards Earn 1 RBC Rewards point for every $2 CAD you spend on your card N RBC Rewards points don t expire ± Insurances Purchase Security and Extended Warranty Insurance 2 Additional Benefits Chip & PIN technology for enhanced security Annual Fee $0 Zero Cardholder Liability CONTENTS Card Overview 3 Managing your Business 4 Earning RBC Rewards Points 8 If you have any questions about your card, please call us at 1-800 ROYAL 1-2 (1-800-769-2512) or visit www.rbcroyalbank.com/clsb Redeeming for RBC Rewards 10 Security Features 13 Assured Assistance 16 Insurance 18

4 Welcome to RBC Royal Bank Visa* CreditLine for Small Business TM Making it easy to manage your business finances. Welcome to RBC Royal Bank Visa* CreditLine for Small Business TM 5 Access to funds when you need them. Having easy access to business funds means more time to focus on your business. Use your RBC Royal Bank Visa CreditLine for Small Business card to access your funds anytime, anywhere, through numerous convenient options: Access cash advances of up to $1,000 CAD per day (up to your available credit) at any Automated Teller Machine (ATM) worldwide displaying the Visa logo Use your card to make purchases at 24 million Visa-accepting establishments around the world Withdraw directly from your line of credit at more than one million ATM s worldwide using the same 4 digit personal identification number (PIN) you selected for your Client Card. If you have not yet selected a PIN, visit any RBC branch for assistance Use your card to make purchases online Use Visa cheques to access all, or a portion of your unused credit Simple. Secure. 24hr Support Online Banking. If you re looking for an easier, more powerful way to do your banking, then RBC Royal Bank Online Banking is ideal for you and your business. Running your own business can mean working at all hours of the day. Online Banking gives you the tools to let you manage your business banking needs at any time and anywhere you have access to the internet. With Online Banking you can: Pay bills from a list of over 6,000 companies any time of the day Get a complete picture of your financial situation and make payments on existing loans Manage your business finances using our financial tools and calculators including an online cash-flow tool for business owners Add online accounts from other financial institutions using My View To register or for more information, please visit www.rbcroyalbank.com/signup or call 1-800 ROYAL 5-5 (1-800-769-2555).

6 Welcome to RBC Royal Bank Visa* CreditLine for Small Business TM Welcome to RBC Royal Bank Visa* CreditLine for Small Business TM 7 View your transactions anytime. Access your Visa transaction information online with our Visa Inquiry service. This allows you to view transactions in real time so you can view your balance and confirm purchase dates. Please visit www.rbcroyalbank.com/cards/inquiry for more information Monitor your account activity and spending patterns by printing out your monthly statements from an RBC ATM Helpful Advice Save on Interest Costs Transfer high interest rate balances to your low annual interest rate CreditLine for Small Business card and reduce your cost of borrowing. Depending on your balances, you could save hundreds of dollars in interest costs! Flexible payment options. Repayment is flexible settle your RBC Royal Bank Visa CreditLine for Small Business account in three convenient ways: Make the minimum required monthly payment as shown on your Visa statement Pre-set a monthly payment amount that is greater than the minimum required monthly payment Pay the entire balance Payments may be made by mail, at any RBC branch, through any RBC ATM, by Telephone Banking, by Online Banking, or by automatic pre-authorized payment no later than the payment due date indicated on your Visa statement. Payments made by mail will be credited when received at your branch. Payments made in person or by telephone through RBC Royal Bank will be credited within two business days. If you make your payment at another financial institution it can take up to four days to be credited. Helpful Advice Maintain Credit History Always pay at least the minimum payment by the payment due date, every time You need to make your payment every month Doubling up your minimum payment one month doesn t mean you can miss your minimum payment the next month

8 Welcome to RBC Royal Bank Visa* CreditLine for Small Business TM Earn RBC Rewards points with every purchase. Welcome to RBC Royal Bank Visa* CreditLine for Small Business TM 9 As an RBC Royal Bank Visa CreditLine for Small Business cardholder you will earn RBC Rewards points for all your purchases, such as buying office supplies or taking clients to lunch. You can redeem your points for a great variety of rewards from travel and merchandise including golf clubs and electronics to RBC Financial Rewards and gift certificates/cards. Your RBC Rewards points add up quickly. Earn 1 RBC Rewards point for every $2 CAD you spend with your card N Earn additional RBC Rewards points when you book travel with Carlson Wagonlit Travel p Enrol in the RBC Rewards Dining Program by Rewards Network p at no cost and earn 1 additional RBC Rewards point for every $1 CAD you spend with your card at participating restaurantsˆ Track your points balance any time: Click on RBC Rewards from the Online Banking menu Log on at www.rbcrewards.com Check your monthly Visa statement Call 1-800 ROYAL 1-2 (1-800-769-2512) The latest news and offers, delivered directly to your inbox. Sign up for the RBC Rewards e-newsletter and you will receive quarterly updates about the RBC Rewards program including news, special offers and tips on how to get the most out of your RBC Rewards points. Visit www.rbcrewards.com/enewsletter today. Earn additional RBC Rewards points when you rent a vehicle using your RBC Visa card at participating Thrifty Car Rental R locations in Canadaˆˆ. Visit www.rbcrewards.com/earn for more information Find your up-to-date points balance clearly shown on your statement each month or visit www.rbcrewards.com

10 Welcome to RBC Royal Bank Visa* CreditLine for Small Business TM Redeeming your points couldn t be easier or more rewarding for your business. Welcome to RBC Royal Bank Visa* CreditLine for Small Business TM 11 The RBC Rewards program offers an outstanding range of reward possibilities. Use your points to reward employees, purchase supplies for the office or to pamper yourself. What will you redeem your RBC Rewards points for? Travel rewards Merchandise rewards Gift certificates/cards RBC Financial Rewards vouchers Experiences by RBC Rewards Charitable donations Travel rewards. With the RBC Rewards program, you can redeem your points for flights, cruises, tours, holiday packages, hotel accommodations, VIA Rail travel, car rentals and more. Every 100 RBC Rewards points you redeem is worth $1 CAD towards your travel redemption choice. You can also use your card to charge any remaining balances your points don t cover, and earn points on the amount charged. Convenient gift certificates/cards. With gift certificates/cards starting at 2,500 RBC Rewards points, treat your employees to a cappuccino at Starbucks or movie passes to Cineplex Entertainment. Simply redeem your RBC Rewards points for gift certificates/cards from many of Canada s leading retailers. RBC Financial Rewards. RBC Financial Rewards vouchers represent a suite of RBC Royal Bank lending and investing vouchers. Redeem your points to pay down your Royal Credit Line, RBC Personal Loan or your RBC Mortgage faster. Or use it to invest in a Registered Retirement Savings Plan (RRSP) or Registered Education Savings Plan (RESP) with Royal Bank of Canada, RBC Dominion Securities Inc. or RBC Direct Investing Inc. Minimum redemption is 12,000 RBC Rewards points for a $100 voucher. Extraordinary experiences await you. Experiences by RBC Rewards offers an exciting selection of escapes, indulgences and adventures for the cardholder with a taste for the out-of-the-ordinary. Reward yourself and redeem for a day at a luxury spa and instead of taking clients for lunch, let your own personal chef take care of business. To redeem for flights, call the RBC Rewards Travel Redemption Centre at 1-877-636-2870. Brand-name merchandise rewards. The right reward can go a long way for your business. Choose from our section of over 280 merchandise rewards including office furniture, business accessories, golf clubs and more from trusted names such as Future Shop, RONA and Toyota to name just a few.

12 Welcome to RBC Royal Bank Visa* CreditLine for Small Business TM Welcome to RBC Royal Bank Visa* CreditLine for Small Business TM 13 Security and protection. Donate RBC Rewards points and make a difference. One of the most rewarding experiences you can enjoy is helping others. The RBC Rewards program offers you the opportunity to donate your points as a monetary contribution towards your choice of two registered charitable organizations: Hope Air, which arranges air transportation for Canadians in need of medical care and treatment far from home; and Own the Podium 2010, which supports the Canadian Olympic team. Your contribution will be recognized with an official receipt for tax purposes. Lost or stolen card. As soon as you realize your card is missing, call the Lost or Stolen Cards number below. Be sure to identify yourself as an RBC Royal Bank Visa CreditLine for Small Business client when you call. The Visa Card Centre will cancel your lost or stolen card and issue a replacement card to you by mail. Once you receive your new card, remember to advise those companies with whom you have pre-authorized payments of any card number or expiry date changes. Lost or Stolen Cards Inside North America: 1-800 ROYAL 1-2 (1-800-769-2512) Collect from outside North America: 416-974-7780 If you find your card after you have reported it missing, do not use it. Destroy it by cutting it in two. To redeem your RBC Rewards points simply call 1-800-769-2512 or visit www.rbcrewards.com For the RBC Rewards catalogue and a complete list of terms and conditions, please visit www.rbcrewards.com Zero Cardholder Liability. In these changing times, protection against unauthorized use of your card is absolutely essential in person or online. With Zero Cardholder Liability, you are not liable for fraudulent charges provided that, for PIN-initiated transactions such as ATM withdrawals, you have taken the reasonable precautions to protect your PIN, as set out in your RBC Royal Bank Visa Agreement.

14 Welcome to RBC Royal Bank Visa* CreditLine for Small Business TM Welcome to RBC Royal Bank Visa* CreditLine for Small Business TM 15 Chip & PIN for the highest level of security. Your RBC Royal Bank Visa CreditLine for Small Business card features state-of-the art chip & PIN technology which protects you against counterfeiting and fraud because the chip embedded in your card is encrypted and virtually impossible to replicate. When you make a transaction at a chip-enabled terminal, you re in control. You will insert your card into the terminal and leave it there, follow the prompts and enter your Personal Identification Number (PIN) instead of verifying the transaction with your signature. Since it will take time for stores and restaurants to be set up with chip-enabled terminals, it will still be necessary for you to sign your receipt when the magnetic stripe on your card is swiped. Rest assured, however, that these transactions continue to be secure and you are always protected against fraud with the Visa Zero Cardholder Liability policy. While you may not use it often now, your PIN has become a key security element of your card. Remember your PIN, change it often at any RBC Royal Bank branch, and never disclose it to anyone. It all adds up to increased security. Chip & PIN technology makes an already safe payment system even more secure. Chip cards have been tested, proven, and are now in wide use in many parts of the world. Your Chip & PIN RBC Visa card will increase your peace of mind and you ll be better protected against counterfeiting and card fraud. For more information about your PIN, please refer to the letter you received with your new RBC Royal Bank Visa CreditLine for Small Business card or visit www.rbcroyalbank.com/cards/chip Helpful Advice Protect Your Information. Always tear or shred your Visa statements into small pieces before discarding them Never tell anyone your credit card number unless you are 100% sure that it is a legitimate request Keep a list of your credit card information including account numbers and expiration dates in a secure place. If your card is ever lost or stolen, you ll have the information you need handy Changing your PIN is simple. If you have forgotten or would like to change your PIN, please visit any RBC branch.

16 Welcome to RBC Royal Bank Visa* CreditLine for Small Business TM Feel safe and secure with Assured Assistance. Welcome to RBC Royal Bank Visa* CreditLine for Small Business TM 17 travel services Assured Assistance. When travelling outside your province of residence, Assured Assistance Inc. ( Assured Assistance ) provides you with a range of valuable services to provide assistance if you are faced with certain unexpected situations, medical emergencies or problems requiring legal assistance. Assured Assistance is available to answer any questions or claims regarding the insurances described in this guide and the following emergency services. Emergency cash advance and airline tickets Breathe a sigh of relief. Should your card be lost or stolen while travelling anywhere in the world, you can promptly be provided with emergency funds or have airline tickets arranged for you. Emergency funds will be charged to your account as a cash advance and tickets will be billed as a purchase. Prescription medicines While travelling, you can call Assured Assistance to help you obtain medication for which you already have a prescription. Assured Assistance will contact your doctor and make necessary arrangements so you can pick up your prescription at a nearby pharmacy. The cost of filling the prescription and any courier charges will be processed as a purchase to your account. Valuable documents Suddenly discovered you have left your passport, driver s licence or vital business papers behind? Assured Assistance can have valuable documents picked up and delivered to your destination, provided there is someone at your home or office to locate the documents. Courier expenses will be charged to your account as a purchase. Emergency message service A tremendous benefit when cell coverage or email is unavailable. When travelling, RBC Royal Bank Visa CreditLine for Small Business card clients are entitled to a free telephone message service to send and receive messages in the event of a personal emergency. You, and those who need to stay in touch with you, can call Assured Assistance to leave or retrieve brief messages. Legal and bail assistance If you find yourself in need of legal counsel while away from home, you can call Assured Assistance for names of local attorneys, embassies and consulates who may be able to help 1. Assured Assistance can also arrange for funds to be transferred directly from your account if you are required to post bail or advance funds to counsel. The final selection of any legal service provider is your right and responsibility. Pre-trip assistance Call Assured Assistance before you leave for helpful information such as health precautions as specified by the World Health Organization, weather reports for major cities around the world, currency exchange rates and immunization and visa requirements. Assured Assistance can be reached 24 hours a day at 1-800-533-2778. Outside Canada or the U.S., call collect: 905-816-2584. Keep these numbers along with your travel documents for immediate assistance.

18 Welcome to RBC Royal Bank Visa* CreditLine for Small Business TM We ve got you covered. Welcome to RBC Royal Bank Visa* CreditLine for Small Business TM 19 Purchase Security and Extended Warranty Insurance 2. Purchases made on your RBC Royal Bank Visa CreditLine for Small Business card are automatically protected against loss, theft or damage for up to 90 days from the date of purchase. The card 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. Subject to policy terms and conditions. Please refer to the enclosed Certificate of Insurance for complete details regarding this coverage. For questions or claims, contact Assured Assistance toll-free at 1-800-533-2778. Outside Canada or the U.S., call collect: 905-816-2581. Registered trademarks of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada. TM Trademark of Royal Bank of Canada. * Registered trademarks of Visa International Service Association. Used under license. R Registered trademark of Thrifty, Inc. All brand names and trademarks are property of their respective owners (and are used under license if applicable). ++ Prime Rate means the annual rate of interest Royal Bank of Canada announces from time to time as a reference rate for determining interest rates on Canadian dollar commercial loans in Canada. The Prime Rate may fluctuate from time to time. N RBC Rewards points are earned on purchases only; they are not earned on cash advances (including Visa cheques) interest charges or fees, and credits for returns or adjustments will reduce or cancel the points earned by the amounts originally charged. ± Points will be cancelled if not used within 90 days after the termination of the program or after I voluntarily close my Visa Account. See the RBC Rewards Terms and Conditions at www.rbcrewards.com for details. Access fees may apply. Transaction fees also apply when making bill payments or funds transfer through Online Banking and Telephone Banking, and are separate from access fees. Additional RBC Rewards points are awarded on qualifying purchases made at participating Canadian CWT locations only, in addition to the standard RBC Rewards points you earn per dollar when you use your Visa card to pay for purchases. Additional points are not awarded on taxes, service fees, surcharges, purchases made under CWT Corporate Travel agreements or when booking non-preferred suppliers. The CWT program is operated and maintained by CWT. All terms, conditions and restrictions applicable to the program are established by CWT. Some conditions apply. For more details, visit: www.rbcrewards.com/cwt ^ Additional RBC Rewards points are awarded on purchases made at participating restaurants only, in addition to the standard RBC Rewards points you earn per dollar when you use your Visa card to pay for purchases. The RBC Rewards Dining Program ( Dining Program ) is operated and maintained by Rewards Network Canada LP ( Rewards Network ). All terms, conditions and restrictions applicable to the Dining Program, as well as all participating restaurants, are established by Rewards Network. Some conditions apply. For more details, visit: www.rbcrewards.rewardsnetwork.com Visa card must earn RBC Rewards points. ^^ Additional RBC Rewards points are awarded on qualifying purchases made at participating Canadian locations only, in addition to the standard RBC Rewards points you earn per dollar when you use your Visa card to pay for purchases. A qualifying purchase is a single rental of minimum one (1) day and maximum twenty-eight (28) days, made at a general rate, corporate rate, government rate, or travel agent rate. The Thrifty Car Rental program is operated and maintained by Dollar Thrifty Automotive Group ( DTAG ) Canada Inc. All terms, conditions and restrictions applicable to the program are established by DTAG. Some limitations and exclusions apply. For more details, call 1-800-THRIFTY or visit: www.rbcrewards.com/thrifty Cash advances including Visa cheques are subject to the annual interest rate applicable to your account as shown on your Visa statement from the day it is posted until the balance is paid in full. Cash advance fees may apply. Please refer to your RBC Royal Bank Visa Agreement for applicable fees. 1 Assured Assistance Inc., or the Royal Bank of Canada, cannot accept responsibility for the actual performance of any person or company made available to assist you. 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. Insurance benefits are available to Canadian residents only. All insurance is subject to limitations and exclusions. Please refer to the Certificate of Insurance included in this kit for complete details. For complete terms and conditions of the RBC Rewards program, please refer to the RBC Rewards Catalogue or visit www.rbcrewards.com

45120 (04/2009) Important Information. RBC Royal Bank Visa 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 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 For assistance with any of the travel services and insurances 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) RBC Rewards To redeem your points for travel call 1-877-636-2870 Monday Friday 8 a.m. to 9 p.m. EST Saturday 8 a.m. to 5 p.m. EST To redeem your points for merchandise, gift certificates/cards, RBC Financial Rewards vouchers, or donate to a charity, call 1-800 ROYAL 1-2 (1-800-769-2512) Monday - Friday 7 a.m. to 1 p.m. EST Saturday, Sunday 7 a.m. to 11 p.m. EST To redeem your points for merchandise, gift certificates/cards, and RBC Financial Rewards vouchers, or donate to a charity online, go to www.rbcrewards.com To increase your credit limit call 1-800 ROYAL 2-0 and talk to a Business Advisor today.