RBC AVION VISA INFINITE PRIVILEGE CERTIFICATE OF INSURANCE

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Transcription:

RBC AVION VISA INFINITE PRIVILEGE CERTIFICATE OF INSURANCE Out of Provice/Coutry Emergecy Medical Isurace... 1 Travel Accidet Isurace... 11 Auto Retal Collisio/Loss Damage Isurace.... 17 Trip Cacellatio/Trip Iterruptio Isurace... 23 Emergecy Purchases ad Flight Delay Isurace.... 31 Hotel/Motel Burglary Isurace... 36 Lost or Stole Baggage Isurace.... 39 Purchase Security & Exteded Warraty Isurace.... 43 Collectio ad Use of Persoal Iformatio.... 47 IMPORTANT PLEASE READ: This Certificate of Isurace is a valuable source of iformatio ad cotais provisios that may limit or exclude coverage. Please read this Certificate of Isurace, keep it i a safe place ad carry it with you whe you travel.

OUT OF PROVINCE/ COUNTRY EMERGENCY MEDICAL INSURANCE CERTIFICATE OF INSURANCE INTRODUCTION RBC Isurace Compay of Caada (the Isurer ) has issued group isurace policy U-1014451-A to Royal Bak of Caada ( Royal Bak ) to cover emergecy medical expeses icurred by covered persos while outside their Caadia provice or territory of residece. All covered persos are cliets of the Isurer. This Certificate of Isurace summarizes the provisios of this group isurace policy. WHAT SHOULD YOU DO IN A MEDICAL EMERGENCY? If you have a medical emergecy, you must call Assured Assistace Ic. ( Assured Assistace ) before you receive emergecy treatmet. Of course, if your medical coditio prevets you from callig, we uderstad you must call as soo as medically possible or, as a alterative, someoe else may call o your behalf (relative, fried, urse or doctor). If you do ot call Assured Assistace or if you choose to seek care from a o-approved medical service provider, you will be resposible for a portio of your medical expeses as outlied uder Limitatios of coverage. Assured Assistace ca be cotacted by callig: 1-800-533-2778 toll-free from the US & Caada or 905-816-2581 collect from aywhere i the world. IMPORTANT NOTICE PLEASE READ CAREFULLY Travel isurace is desiged to cover losses arisig from sudde ad uforeseeable circumstaces. It is importat that you read ad uderstad your isurace before you travel as your coverage may be subject to certai limitatios or exclusios. A pre-existig exclusio applies to medical coditios ad/or symptoms that existed prior to your trip. Check to see how this applies i your Certificate of Isurace ad how it relates to your departure date, date of purchase, or effective date. I the evet of a accidet, ijury or sickess, your prior medical history may be reviewed whe a claim is reported. Your isurace provides travel assistace. You are required to otify Assured Assistace prior to receivig emergecy treatmet. Your isurace limits beefits should you ot cotact Assured Assistace immediately. HELPFUL INFORMATION ABOUT OUT OF PROVINCE/ COUNTRY EMERGENCY MEDICAL INSURANCE Coverage is provided for the first thirty-oe (31) cosecutive days of your trip if you are uder 65 years of age, or for the first seve (7) cosecutive days of your trip if you are 65 years of age or older. Top-up coverage is available if you are travellig for more tha thirty-oe (31) cosecutive days ad you are uder 65 years of age or if you are travellig for more tha seve (7) cosecutive days ad you are 65 years of age or older. Please call the Erollmet Cetre at 1-800-565-3129 for further iformatio. Remember to call Assured Assistace before you receive emergecy treatmet. Of course, if your medical coditio prevets you from callig, we uderstad you must call as soo as medically possible or, as a alterative, someoe else may call o your behalf (relative, fried, urse or doctor). 1

Refer to the What is ot covered? sectio for a complete descriptio of all exclusios before you travel. It is importat that you read ad uderstad your Certificate of Isurace as your coverage is subject to certai limitatios or exclusios. DEFINITIONS Throughout this documet, all italicized terms have the specific meaig explaied below. Additioal cardholder meas a co-applicat or a authorized user. Applicat meas a perso who has siged ad/or submitted a applicatio as the primary cardholder for a RBC Avio Visa Ifiite Privilege card, to whom a card has bee issued ad i whose ame the card accout is established. A applicat does ot iclude a additioal cardholder. A applicat must be a permaet residet of Caada. Authorized user meas a perso, other tha the applicat ad the co-applicat, to whom a RBC Avio Visa Ifiite Privilege card has bee issued at the request of the applicat or the co-applicat. A authorized user must be a permaet residet of Caada. Chage i medicatio meas the additio of ay ew prescriptio drug, the withdrawal of ay prescriptio drug, a icrease i the dose of ay prescriptio drug, or a decrease i the dose of ay prescriptio drug. Exceptios: a adjustmet i the dosage of isuli or Coumadi (warfari), if you are curretly takig these drugs; a chage from a brad ame drug to a equivalet geeric drug of the same dosage. Co-applicat meas a perso who has siged ad/or submitted a applicatio for a RBC Avio Visa Ifiite Privilege card as the co-applicat, ad to whom a card has bee issued. A co-applicat must be a permaet residet of Caada. Covered perso meas ay of the followig persos who have a valid govermet health isurace pla: the applicat, the applicat s spouse, ad/or the applicat s depedet child who travels with or jois the applicat ad/or the applicat s spouse o the same trip. A additioal cardholder is a covered perso i his/her ow right. A covered perso may be referred to as you or your or yourself. The spouse ad/or depedet child of a additioal cardholder are ot eligible for this isurace, uless they are otherwise covered as described above (the applicat, the applicat s spouse, ad/or the applicat s depedet child who travels with or jois the applicat ad/or the applicat s spouse o the same trip). Departure poit meas the provice or territory you depart from o the first day of your iteded trip. Depedet child (or depedet childre) meas a umarried, atural, adopted, step or foster child, or legal ward of the applicat who is covered uder a govermet health isurace pla ad is: uder twety-oe (21) years of age, or uder twety-six (26) years of age if a full-time studet, or metally or physically hadicapped ad icapable of self-sustaiig employmet ad totally reliat o you for support ad maiteace. Emergecy treatmet meas ay treatmet, surgery or medicatio that: is required for the immediate relief of a acute symptom; or upo the advice of a physicia caot be delayed util you retur to Caada, ad has to be received durig your trip because your medical coditio prevets you from returig to Caada. The emergecy treatmet must be ordered by or received from a physicia or received i a hospital durig your trip. Govermet health isurace pla meas the health isurace coverage that Caadia provicial ad territorial govermets provide for their residets. 2

Hospital meas a establishmet that is licesed as a accredited hospital, is operated for the care ad treatmet of i-patiets, has a registered urse always o duty, ad has a laboratory ad a operatig room o the premises or i facilities cotrolled by the establishmet. Hospital does ot mea ay establishmet used maily as a cliic, exteded or palliative care facility, rehabilitatio facility, covalescet, rest or ursig home, home for the aged, health spa or addictio treatmet cetre. Medical coditio meas accidetal bodily ijury or sickess (or a coditio related to that accidetal bodily ijury or sickess), icludig disease, acute psychoses ad complicatios of pregacy occurrig withi the first thirty-oe (31) weeks of pregacy. Medical emergecy meas ay uexpected or uforesee sickess or bodily ijury that occurs durig the period of coverage ad makes it ecessary for you to receive immediate treatmet from a physicia or to be hospitalized. Metal or emotioal disorders meas emotioal or axiety states, situatioal crisis, axiety or paic attacks, or other metal health disorders treated with mior traquilizers or ati-axiety (axiolytic) medicatio. Moutai climbig meas the ascet or descet of a moutai requirig the use of specialized equipmet, icludig crampos, pick-axes, achors, bolts, carabiers ad lead-rope or toprope achorig equipmet. Permaet residet meas a perso who resides i Caada for at least six (6) moths of the year. However, idividuals otherwise eligible for coverage who are members of the Caadia Foreig Service eed ot satisfy this requiremet. Physicia meas someoe who is ot you or a member of your family who is licesed to prescribe drugs ad admiister medical treatmet (withi the scope of such licese) at the locatio where the treatmet is provided. A physicia does ot iclude a aturopath, herbalist, homeopath or chiropractor. Prescriptio drugs meas drugs ad medicies that ca oly be issued upo the prescriptio of a physicia or detist ad are dispesed by a licesed pharmacist. Spouse meas the perso who is legally married to you, or has bee livig i a cojugal relatioship with you ad residig i the same household as you for a cotiuous period of at least oe (1) year. Stable meas ay medical coditio or related coditio (icludig ay heart coditio or ay lug coditio) for which there have bee: o ew treatmet, ew medical maagemet or ew prescribed medicatio; ad o chage i treatmet, chage i medical maagemet or chage i medicatio; ad o ew symptom or fidig, more frequet symptom or fidig, or more severe symptom or fidig experieced; ad o ew test results or tests showig a deterioratio; ad o ivestigatios or future ivestigatios iitiated, or recommeded for your symptoms; ad o hospitalizatio or referral to a specialist (made or recommeded), Top-up meas the coverage you purchase from the Erollmet Cetre to exted your coverage beyod the maximum duratio of the first thirty-oe (31) cosecutive days if you are uder 65 years of age or the first seve (7) cosecutive days if you are 65 years of age or older. Trip meas travel outside your Caadia provice or territory of residece up to a maximum duratio of the first thirty-oe (31) cosecutive days if you are uder the age of 65 or seve (7) cosecutive days if you are 65 years of age or older. 3

WHEN DOES COVERAGE BEGIN AND END? This isurace coverage begis wheever you leave your departure poit. You will be covered for the first: Thirty-oe (31) cosecutive days of a trip, icludig the date you leave o your trip ad the date you retur from your trip, if you are uder 65 years of age. Seve (7) cosecutive days of a trip, icludig the date you leave o your trip ad the date you retur from your trip, if you are 65 years of age or older. Coverage eds, idividually for the applicat ad each additioal cardholder, at the earliest of: 1. The date you have bee abset for more tha thirty-oe (31) cosecutive days from your provice or territory of residece if you are uder 65 years of age or the date you have bee abset for more tha seve (7) cosecutive days from your provice or territory of residece if you are 65 years of age or older; (Note: Coverage for the applicat s spouse ad the applicat s depedet child chages to seve (7) cosecutive days whe the applicat turs the age of 65, uless they are also a additioal cardholder); or 2. The date you retur to your provice or territory of residece; or 3. The date your RBC Avio Visa Ifiite Privilege accout is cacelled; or 4. The date your RBC Avio Visa Ifiite Privilege accout is sixty (60) days past due; or 5. The date the group isurace policy is cacelled by the Isurer or Royal Bak. However, such cacellatio of coverage shall ot apply to travel arragemets charged to your RBC Avio Visa Ifiite Privilege card prior to the cacellatio date of the group isurace policy. WHEN DOES YOUR COVERAGE AUTOMATICALLY EXTEND? Coverage automatically exteds beyod the thirty-oe (31) /seve (7)-day limit as follows: 1. Whe you are hospitalized due to a medical emergecy beyod the thirty-oe (31) /seve (7)-day limit, your coverage will remai i force durig your hospitalizatio ad up to five (5) days followig your discharge from hospital. 2. Coverage is automatically exteded for up to five (5) days whe you must delay your retur beyod the thirty-oe (31) /seve (7)-day limit due to a medical emergecy. 3. Coverage is automatically exteded for up to sevety-two (72) hours whe the delay of a plae, bus, ship or trai i which you are a passeger causes your trip to exted beyod the thirty-oe (31) /seve (7)-day limit. WHAT IS COVERED AND WHAT ARE THE BENEFITS? This isurace covers reasoable ad customary expeses, i excess of ay medical expeses payable by your govermet health isurace pla or ay other isurace pla, for emergecy treatmet medically required durig your trip as a result of a medical emergecy. Uless otherwise oted i this Certificate of Isurace, the maximum beefit for Emergecy medical isurace is ulimited. 1. Hospital ad medical expeses Covers the cost of emergecy treatmets, icludig hospital, surgical ad medical treatmet. Eligible expeses iclude the followig whe ordered by a physicia durig your trip: hospital room ad board, up to semi-private or the equivalet, treatmet by a physicia ad/or surgeo, out-patiet hospital charges, x-rays ad other diagostic tests, use of a operatig room, itesive care uit, aaesthesia ad surgical dressigs, prescriptio drugs except whe you eed them to cotiue to stabilize a chroic medical coditio or a coditio which you had before your trip, 4

local groud ambulace service (or local taxi fare i lieu) to a hospital, physicia or medical service provider i case of a medical emergecy, the lesser of the retal or purchase of a hospital-type bed, a wheelchair, brace, crutches ad other medical appliaces, ad the cost for the professioal services of a registered private urse while you are hospitalized, to a maximum of $10,000, whe these services are recommeded by a physicia ad approved i advace through Assured Assistace. 2. Emergecy detal expeses Covers the cost of the followig detal expeses whe ordered by ad received from a licesed detist: the repair or replacemet of atural teeth or permaetly attached artificial teeth required as the result of a accidetal ijury to the mouth durig your trip, to a maximum of $2,000. Detal treatmet must be received withi iety (90) days of the ijury. treatmet durig your trip, for the emergecy relief of detal pai, to a maximum of $200. 3. Other emergecy services Covers the cost for professioal services of a physiotherapist, chiropractor, osteopath, chiropodist or podiatrist to a maximum of $250 per covered perso per professio, whe ordered by a physicia durig your trip. 4. Emergecy air trasportatio or evacuatio Covers the cost of the followig, whe medically required ad approved i advace ad arraged through Assured Assistace: the extra cost of oe-way ecoomy airfare o a commercial flight by the most direct route to the poit of departure, to receive immediate emergecy medical attetio; or a stretcher fare o a commercial flight by the most direct route to your departure poit, if a stretcher is medically ecessary; ad retur ecoomy airfare o a commercial flight ad the usual fees ad expeses for a qualified medical attedat to accompay you, whe the attedat is medically ecessary or required by the airlie; or air ambulace trasportatio if it is medically essetial. 5. Retur of deceased Covers: the retur of your remais i the commo carrier s stadard trasportatio cotaier to your departure poit, ad up to $5,000 for the preparatio of your remais ad the cost of the commo carrier s stadard trasportatio cotaier; or the retur of your remais to your departure poit, ad up to $5,000 for the crematio of your remais where your death occurred; or up to $5,000 for the preparatio of your remais ad the cost of a stadard burial cotaier, ad up to $5,000 for the burial of your remais where your death occurred. If someoe is legally required to idetify your remais, this isurace covers the cost of roud-trip ecoomy class trasportatio by the most cost-effective route ad up to $300 for meal ad hotel accommodatio expeses for that perso. That perso is covered uder the terms of your isurace durig the period i which he or she is required to idetify your remais but for o loger tha three (3) busiess days. 6. Additioal hotel ad meal expeses Covers the cost of up to $150 per day, to a maximum of $1,500, for meal ad commercial accommodatio expeses you have icurred after the date you are scheduled to retur to the departure poit, whe your retur is delayed due to your medical emergecy or whe you are relocated to receive emergecy treatmet. 5

7. Brigig relative to bedside Covers the cost of roud-trip ecoomy class trasportatio by the most cost-effective route, to have a relative visit you whe you are hospitalized durig your trip. However, if you are uder age twety-oe (21), or age twety-oe (21) ad over ad physically hadicapped ad depedet o your bedside compaio for support, this isurace provides this beefit to you as soo as you are admitted to a hospital. That perso is etitled to a maximum of $300 for meal ad hotel accommodatio expeses ad is covered uder the terms of your isurace durig the period i which he or she is required at your bedside. The visit must be approved i advace through Assured Assistace. 8. Retur of vehicle Covers the reasoable costs for a commercial agecy, whe arraged ad approved through Assured Assistace, to retur a vehicle to your residece or to a commercial retal agecy, whe you are uable to retur the vehicle due to a medical emergecy. The vehicle ca be a private passeger automobile, self-propelled mobile home, camper truck, trailer home, or motorcycle that you ow or ret ad which you use durig your trip. 9. Retur of depedet child or depedet childre If a depedet child or depedet childre isured uder your isurace travel with or joi you durig your trip, ad you are hospitalized for more tha twety-four (24) hours, or you must retur to Caada because of your medical emergecy covered uder this isurace, this isurace covers, whe arraged ad approved through Assured Assistace, the extra cost of oe-way ecoomy trasportatio by the most cost-effective route to the depedet childre s departure poit ad the cost of retur ecoomy trasportatio for a escort, whe a escort is deemed ecessary by the carrier. 10 Retur of your excess baggage If you retur to your departure poit by air ambulace (pre-authorized by Assured Assistace) because of your medical emergecy, this isurace covers the cost to retur your excess baggage up to a maximum of $500, whe medically required ad approved i advace ad arraged through Assured Assistace. LIMITATIONS OF COVERAGE If you do ot call Assured Assistace before you seek emergecy treatmet, or if you choose to seek care from a o-approved medical service provider, you will be resposible for 20% of your medical expeses covered uder this isurace ad ot recovered from your govermet health isurace pla, to a maximum of $25,000. If, after reimbursemet by your govermet health isurace pla, your claim exceeds $25,000, this isurace will pay 100% of ay covered expeses over ad above $25,000. Should your medical coditio prevet you from callig Assured Assistace before seekig emergecy treatmet, you must call as soo as medically possible or someoe else may call o your behalf. WHAT IS NOT COVERED? PRE-EXISTING MEDICAL CONDITION EXCLUSIONS If you are uder 75 years of age, this isurace does ot pay for ay expeses icurred directly or idirectly as a result of: 1. Your medical coditio or related coditio (whether or ot the diagosis has bee determied), if at ay time i the iety (90) days before you depart o your trip, your medical coditio or related coditio has ot bee stable. 2. Your heart coditio (whether or ot the diagosis has bee determied), if at ay time i the iety (90) days before you depart o your trip: a. ay heart coditio has ot bee stable; or b. you have take itroglyceri more tha oce per week specifically for the relief of agia pai. 6

3. Your lug coditio (whether or ot the diagosis has bee determied), if at ay time i the iety (90) days before you depart o your trip: a. ay lug coditio has ot bee stable; or b. you have bee treated with home oxyge or take oral steroids (predisoe or predisoloe) for ay lug coditio. If you are 75 years of age or older, this isurace does ot pay for ay expeses icurred directly or idirectly as a result of: 1. Your medical coditio or related coditio (whether or ot the diagosis has bee determied), if at ay time i the oe hudred ad eighty (180) days before you depart o your trip, your medical coditio or related coditio has ot bee stable. 2. Your heart coditio (whether or ot the diagosis has bee determied), if at ay time i the oe hudred ad eighty (180) days before you depart o your trip: a. ay heart coditio has ot bee stable; or b. you have take itroglyceri more tha oce per week specifically for the relief of agia pai. 3. Your lug coditio (whether or ot the diagosis has bee determied), if at ay time i the oe hudred ad eighty (180) days before you depart o your trip: a. ay lug coditio has ot bee stable; or b. you have bee treated with home oxyge or take oral steroids (predisoe or predisoloe) for ay lug coditio. GENERAL EXCLUSIONS The Isurer will ot pay for ay expeses icurred directly or idirectly as a result of: 1. Ay medical coditio for which: you are awaitig the outcome of medical tests, the results of which show ay irregularities or abormalities, or future ivestigatio or treatmet (except routie moitorig) is plaed before your trip. 2. The cotiued treatmet, ivestigatio, recurrece or complicatio of a medical coditio followig emergecy treatmet for that medical coditio durig your trip if the medical advisors of Assured Assistace determie that you were medically able to retur to your provice or territory of residece ad you chose ot to retur. 3. The treatmet of ay heart or lug coditio followig emergecy treatmet for a related or urelated heart or lug coditio durig your trip if the medical advisors of Assured Assistace determie that you were medically able to retur to your provice or territory of residece ad you chose ot to retur. 4. Ay treatmet that is ot emergecy treatmet. 5. Routie care of a chroic coditio. 6. Ay medical coditio for which it was reasoable, prior to departure, to expect treatmet or hospitalizatio durig your trip. 7. Symptoms which would have caused a ordiarily prudet perso to seek treatmet or medicatio i the iety (90) days before your trip. 8. Your medical emergecy or related medical coditio, if the reaso for your medical emergecy or related medical coditio is associated i ay way with a writte formal travel warig issued before your effective date by the Departmet of Foreig Affairs ad Iteratioal Trade of the Caadia Govermet, advisig Caadias ot to travel to the coutry, regio or city of your trip. 9. Ay portio of the beefits that require prior authorizatio ad arragemet by Assured Assistace if such beefits were ot pre-authorized ad arraged by Assured Assistace. 10. Ivasive testig or surgery (icludig cardiac catheterizatio ad MRI) uless approved by Assured Assistace prior to beig performed. 7

11. Ay medical coditio if you udertake your trip with the prior kowledge that you will require or seek treatmet, surgery, ivestigatios, palliative care or alterative therapy of ay kid, regardless of whether the treatmet, surgery, ivestigatios, palliative care or alterative therapy is related i ay way to the medical coditio. 12. The followig: a. routie pre-atal care, or b. complicatios of pregacy occurrig withi ie (9) weeks before or after the expected date of delivery, or c. complicatios of childbirth occurrig withi ie (9) weeks before or after the expected date of delivery. 13. Ay child bor durig the trip. 14. Your participatio as a professioal i sports, participatio as a professioal i uderwater activities, scuba divig as a amateur uless you hold a basic scuba desigatio from a certified school or other licesig body, participatio i a motorized race or motorized speed cotest, bugee jumpig, parachutig, rock climbig, moutai climbig, hagglidig or skydivig. 15. Your committig or attemptig to commit a crimial offece. 16. Your itetioal self-iflicted ijury, suicide or attempted suicide (whether sae or isae). 17. Your metal or emotioal disorders. 18. Ay medical coditio, arisig from, or i ay way related to, your chroic use of alcohol or drugs whether prior to or durig your trip. 19. Your abuse of medicatio, drugs or alcohol or deliberate o-compliace with prescribed medical therapy or treatmet whether prior to or durig your trip. 20. Act of foreig eemies or rebellio, volutarily ad kowigly exposig yourself to risk from a act of war (declared or ot) or volutarily participatig i a riot or civil disorder. 21. Treatmet or surgery for a medical coditio, or a related coditio, which had caused your physicia to advise you ot to travel. 22. Ay medical coditio if the medical advisors of Assured Assistace recommed that you retur to your coutry of residece followig emergecy treatmet you have received, ad you chose ot to retur. 23. Ioizig radiatio or radioactive cotamiatio from ay uclear fuel or waste that results from the burig of uclear fuels; or the radioactive, toxic, explosive or other dagerous properties of uclear machiery or ay part of it. WHAT SHOULD YOU DO IF YOU HAVE A CLAIM? If you call Assured Assistace at the time of the medical emergecy as show uder What should you do i a medical emergecy? you will receive the ecessary claims assistace. If you do ot call Assured Assistace, you must otify the Claims Cetre of your claim withi thirty (30) days of the date emergecy treatmet or other expeses were first icurred. For your claim to be reviewed, you must submit the followig iformatio: The completed claim form. Please cotact the Claims Cetre to obtai a claim form. (Note: A legal guardia must complete the claim process o behalf of a covered perso uder the age of eightee (18) i Quebec or uder the age of sixtee (16) for the rest of Caada.), Origials of all bills, ivoices ad receipts from the service provider(s), Ay required govermet health isurace pla form, Proof of ay paymet(s) or deial(s) made by other isurace pla(s), ad A complete diagosis from the physicia(s) ad/or hospital(s) that provided the treatmet, icludig, where applicable, writte verificatio from the physicia who treated you durig your trip that the expeses were medically ecessary. 8

Submissio of claims must be made to the Claims Cetre: RBC Isurace Compay of Caada Claims Cetre PO Box 97, Statio A Mississauga, ON L5A 2Y9 1-800-464-3211 You must submit the iformatio required for your claim withi iety (90) days of the date of the emergecy treatmet or other expeses were first icurred. If it is ot reasoably possible to provide such iformatio withi iety (90) days, you must do so withi oe (1) year or your claim will ot be reviewed. The Claims Cetre will otify you of the decisio o your claim withi sixty (60) days of receivig all of the required iformatio. OTHER CLAIM INFORMATION Durig the processig of a claim, the Isurer may require you to udergo a medical examiatio by oe or more physicias selected by the Isurer ad at the Isurer s expese. You agree that the Isurer ad its agets have: a. Your coset to verify your health card umber ad other iformatio required to process your claim, with the relevat govermet ad other authorities; b. Your authorizatio to physicias, hospitals ad other medical providers to provide to us, Assured Assistace ad the Claims Cetre, ay ad all iformatio they have regardig you, while uder observatio or treatmet, icludig your medical history, diagoses ad test results; ad c. Your agreemet to disclose ay of the iformatio available uder a) ad b) above to other sources, as may be required for the processig of your claim for beefits obtaiable from other sources. After the Isurer pays your health care provider or reimburses you for covered expeses, it will seek reimbursemet from your govermet health isurace pla ad ay other medical isurace pla uder which you may have coverage. You may ot claim or receive i total more tha 100% of your total covered expeses or the actual expeses which you icurred, ad you must repay to us ay amout paid or authorized by the Isurer o your behalf if ad whe the Isurer determies that the amout was ot payable uder the terms of your policy. If you are retired ad your former employer provides to you uder a exteded health isurace pla, a lifetime maximum coverage of: $50,000 or less, we will ot co-ordiate paymet with such coverage; more tha $50,000, we will co-ordiate paymet with such coverage oly i excess of $50,000. If you are actively employed ad your curret employer provides to you uder a group health pla, a lifetime maximum coverage of: $50,000 or less, we will ot co-ordiate paymet with such coverage; more tha $50,000, we will co-ordiate paymet with such coverage oly i excess of $50,000. You may oly commece a legal actio i the provice or territory where the Certificate of Isurace was issued. You or your heirs assig coset to the trasfer of ay legal actio to the provice or territory where the Certificate of Isurace was issued. WHAT OTHER TERMS SHOULD YOU KNOW ABOUT? 1. This isurace is classified as supplemetal or excess, i that it covers expeses i excess of expeses payable by ay other isurace pla. 2. Whe you cotact Assured Assistace, they will, o the Isurer s behalf, refer you or may trasfer you, whe medically appropriate, to oe of their recommeded medical service 9

providers. They will also request that the approved medical service provider bill the medical expeses covered uder this isurace directly to the Isurer istead of to you. 3. If you are eligible, from ay other isurer, for beefits similar to the beefits provided uder this isurace, the total beefits paid to you by all isurers caot exceed the actual expese that you have icurred. We will coordiate the paymet of beefits with all isurers from whom you are eligible for beefits similar to those provided uder this isurace, to a maximum of the largest amout specified by each isurer. 4. If you icur expeses covered uder this isurace due to the fault ad/or egligece of a third party, the Isurer may take actio agaist the third party. You agree to cooperate fully with the Isurer or its agets ad to allow the Isurer or its agets, at its/their ow expese, to brig a lawsuit i your ame agaist a third party. Where a third party is ivolved, a accidet report is required before ay claim paymets ca be made. 5. All amouts are show i Caadia dollars. If you have paid a covered expese, you will be reimbursed i Caadia currecy at the prevailig rate of exchage quoted by Royal Bak o the date the last service was redered to you. This isurace will ot pay for ay iterest or ay fluctuatios i the exchage rate. 6. The Isurer, Customer Service Represetatives/Coordiators of Assured Assistace ad the Claims Cetre, Royal Bak ad their agets are ot resposible for the availability, quality or results of medical treatmet or trasportatio, or your failure to obtai medical treatmet. 7. This Certificate of Isurace is the etire cotract betwee you ad the Isurer ad is subject to the Isurace Compaies Act of Caada ad ay goverig provicial statutes cocerig cotracts of accidet isurace. 8. The Isurer may, at its discretio, void this cotract i the case of fraud or attempted fraud by you, or if you coceal or misrepreset ay material fact or circumstace cocerig this isurace cotract. 9. This policy cotais a provisio removig or restrictig the right of the group perso isured to desigate persos to whom or for whose beefit isurace moey is to be payable. 10. O reasoable otice you or a claimat uder the cotract will be provided with a copy of the group cotract. 11. Every actio or proceedig agaist a isurer for the recovery of isurace moey payable uder the cotract is absolutely barred uless commeced withi the time set out i the Isurace Act (for actios or proceedigs govered by the laws of Alberta ad British Columbia), The Isurace Act (for actios or proceedigs govered by the laws of Maitoba), the Limitatios Act, 2002 (for actios or proceedigs govered by the laws of Otario), or i other applicable legislatio i your provice of residece. For those actios or proceedigs govered by the laws of Quebec, the prescriptive period is set out i the Quebec Civil Code. 10

TRAVEL ACCIDENT INSURANCE CERTIFICATE OF INSURANCE INTRODUCTION RBC Isurace Compay of Caada (the Isurer ) has issued group isurace policy F-2035807-A to Royal Bak of Caada ( Royal Bak ) to cover the loss from a ijury as a result of a accidet icurred by covered persos o a commo carrier while travellig outside their Caadia provice or territory of residece. All covered persos are cliets of the Isurer. This Certificate of Isurace summarizes the provisios of this group isurace policy. This Certificate of Isurace replaces ay prior Certificate of Isurace that may have bee provided to you i coectio with this coverage. HOW TO OBTAIN ASSISTANCE SERVICES If you require assistace or have questios about your coverage, you ca cotact Assured Assistace Ic. ( Assured Assistace ) by callig: 1-800-533-2778 toll-free from the US & Caada or 905-816-2581 collect from aywhere i the world. IMPORTANT NOTICE PLEASE READ CAREFULLY Travel Accidet Isurace is desiged to cover losses arisig from sudde ad uforeseeable circumstaces. It is importat that you read ad uderstad your isurace before you travel as your coverage may be subject to certai limitatios or exclusios. HELPFUL INFORMATION The Travel Accidet Isurace covers you i the evet of a accidetal bodily ijury resultig i a loss, icludig death, while travellig o a commo carrier, for up to $500,000 CAD. Please cosult the list of specific losses covered uder the Specific loss idemity sectio herei. You are covered for trips take outside your provice or territory of residece. DEFINITIONS Throughout this documet, all italicized terms have the specific meaig explaied below. Accidet meas a sudde ad uforesee evet due to a exteral cause ad resultig, directly ad idepedetly of ay other cause, i ay bodily ijury or death. Additioal cardholder meas a co-applicat or a authorized user. Alterate trasportatio meas the trasportatio offered to you whe the commo carrier providig the trasportatio for your covered trip is delayed or re-routed, requirig the trasportatio compay which would have operated such commo carrier to arrage for such alterate trasportatio. Applicat meas a perso who has siged ad/or submitted a applicatio as the primary cardholder of a RBC credit card, to whom a card has bee issued ad i whose ame the card accout is established. A applicat does ot iclude a additioal cardholder. A applicat must be a permaet residet of Caada. Authorized user meas a perso, other tha the applicat ad the co-applicat, to whom a RBC credit card has bee issued at the request of the applicat or the co-applicat. A authorized user must be a permaet residet of Caada. Co-applicat meas a perso who has siged ad/or submitted a applicatio for a RBC credit card as the co-applicat, ad to whom a card has bee issued. A co-applicat must be a permaet residet of Caada. 11

Commo carrier meas ay passeger plae, lad, or water coveyace (other tha a retal vehicle or cruise ship) for regularly scheduled passeger service, which is licesed to trasport passegers for compesatio or hire ad also icludes ay alterate trasportatio. Commo carrier does ot iclude ay such coveyace that is hired, chartered or used for a sport, gamesmaship, cotest, sightseeig, observatory ad/or recreatioal activity, regardless of whether or ot such coveyace is licesed. Taxis or limousies are excluded from this defiitio except i the specific case as outlied i What is Covered sectio 2. Cotamiatio meas the poisoig of people by uclear, chemical ad/or biological substaces which causes illess ad/or death. Covered perso meas the applicat, the applicat s spouse, ad/or the applicat s depedet child who travels with or jois the applicat ad/or the applicat s spouse o the same trip. A additioal cardholder is a covered perso i his/her ow right. The spouse ad/ or depedet child of a additioal cardholder are ot eligible for this isurace, uless they are otherwise covered as described above (the applicat, the applicat s spouse, ad/or the applicat s depedet child who travels with or jois the applicat or the applicat s spouse o the same trip). A covered perso may be referred to as you or your or yourself. All covered persos must be permaet residets of Caada. Depedet child meas a umarried, atural, adopted, step or foster child, or legal ward of the applicat who resides with the applicat ad who is: Uder twety-oe (21) years of age; or Uder twety-six (26) years of age if he/she is a full-time studet; or Metally or physically hadicapped ad icapable of self-sustaiig employmet ad totally reliat o you for support ad maiteace. Family member(s) meas your spouse, a depedet child, parets, stepparets, gradparets, gradchildre, i-laws, brothers, sisters, stepbrothers ad stepsisters. Hospital meas a establishmet that is licesed as a accredited hospital, is operated for the care ad treatmet of i-patiets, has a registered urse always o duty, ad has a laboratory ad a operatig room o the premises or i facilities cotrolled by the establishmet. Hospital does ot mea ay establishmet used maily as a cliic, exteded or palliative care facility, rehabilitatio facility, covalescet, rest or ursig home, home for the aged, health spa or addictio treatmet cetre. Ijury or Ijuries meas a bodily ijury, certified by a physicia, resultig i a loss caused to you by a accidet occurrig o a trip. Loss or losses meas loss of life or the total ad irrevocable loss of use of oe or more of the followig of limb(s)/orga(s), as follows: loss of a had or a foot meas the total ad irrevocable loss of use icludig the wrist joit ad the akle joit; with regard to eyes, total ad irrecoverable loss of sight; with regard to a leg or a arm, the total ad irrevocable loss of use through or above the kee or elbow joit; loss of a thumb ad idex figer meas the total ad irrevocable loss of use, icludig all phalages, but excludig the loss of the had or foot; with regard to speech ad hearig, total ad irrecoverable loss; loss of a figer or a toe meas the total ad irrevocable loss of use, icludig all phalages, but excludig the loss of the had or foot; with regard to paralysis (quadriplegia, paraplegia, hemiplegia), loss must result i the complete ad irreversible paralysis of such limbs. Passeger meas a covered perso ridig oboard a commo carrier. The defiitio of passeger does ot iclude a perso actig as a pilot, operator or crew member. Passeger plae a certified multi-egie trasportatio aircraft provided by a regularly scheduled airlie o ay regularly scheduled trip operated betwee licesed airports ad holdig a valid Caadia Air Trasport Board or Charter Air Carrier licece, or its foreig equivalet, ad operated by a certified pilot. 12

Permaet residet meas a perso who resides i Caada for at least six (6) moths of the year. However, idividuals otherwise eligible for coverage who are members of the Caadia Foreig Service eed ot satisfy this requiremet. Physicia meas someoe who is ot you or a family member who is licesed to prescribe drugs ad admiister medical treatmet (withi the scope of such licese) at the locatio where the treatmet is provided. A physicia does ot iclude a aturopath, herbalist, homeopath or chiropractor. Spouse meas the perso who is legally married to you, or has bee livig i a cojugal relatioship with you ad who has bee residig i the same household as you for a cotiuous period of at least oe (1) year. Terrorism or act of Terrorism meas a act, icludig but ot limited to the use of force or violece ad/or the threat thereof, icludig hijackig or kidappig, of a idividual or group i order to itimidate or terrorize ay govermet, group, associatio or the geeral public, for religious, political or ideological reasos or eds, ad does ot iclude ay act of war (whether declared or ot), act of foreig eemies or rebellio. Trip meas travel outside your Caadia provice or territory of residece o a commo carrier the fare for which is paid i full o the RBC credit card ad/or RBC Rewards poits. WHEN DOES COVERAGE BEGIN AND END? This Certificate of Isurace provides coverage wheever you have paid for your trip o a commo carrier with your RBC credit card ad/or RBC Rewards poits, prior to ay ijury resultig i ay loss for which a claim is made uder this Policy. If oly a partial paymet was made with RBC Rewards poits, the balace must have bee paid with your RBC credit card for this Certificate of Isurace to be effective. Coverage begis o the date you leave your provice or territory of residece o your trip. Coverage eds, idividually for each applicat ad additioal cardholder(s), at the earliest of: 1. The date your RBC credit card accout is cacelled; or 2. The date your RBC credit card accout is sixty (60) days past due; or 3. The date the Policy is cacelled by the Isurer or Royal Bak. However, such termiatio of coverage shall ot apply to fares charged to your accout prior to the termiatio date of the Policy; or 4. The date whe coverage is o loger i force as described i the sectio What is Covered ad What are the Beefits?. WHAT IS COVERED AND WHAT ARE THE BENEFITS? WHAT IS COVERED? Whe you have paid for the full trasportatio fare for your trip with your RBC credit card ad/ or RBC Rewards poits prior to commecig your trip, this Certificate of Isurace provides a beefit for ay ijury sustaied by you as a result of a accidet which occurs durig your trip while you are: 1. Travellig as a passeger i, o, boardig or disembarkig from the commo carrier which is providig the trasportatio or alterate trasportatio for your trip; 2. Travellig as a passeger i, o, boardig or disembarkig from the commo carrier which is providig the trasportatio or alterate trasportatio, icludig complemetary trasportatio for this situatio oly, directly to or from a termial, statio, pier or airport either: a) Immediately precedig a scheduled departure of the commo carrier durig your trip; or b) Immediately followig a scheduled arrival of the commo carrier durig your trip; 3. Travellig as a passeger i the termial, statio, pier or airport prior to or after boardig or disembarkig from a commo carrier which is providig the trasportatio or alterate trasportatio to you as a passeger. 13

WHAT ARE THE BENEFITS? A. SPECIFIC LOSS INDEMNITY Whe a covered perso suffers a ijury resultig i ay of the followig losses withi three hudred ad sixty-five (365) days of the date of the accidet, the Isurer will pay the followig maximum amout for: Loss of: Idemity: Life $500,000 Both hads or both feet $500,000 Total sight i both eyes $500,000 Oe had ad oe foot $500,000 Oe had or oe foot ad total sight i oe eye $500,000 Speech ad hearig $500,000 Oe leg or oe arm $375,000 Oe had or oe foot $333,300 Speech or hearig $333,300 Total sight i oe eye $333,300 Thumb ad idex figer of the same had $166,650 Oe figer or oe toe $50,000 Loss of use of: Idemity: Both upper ad lower limbs (quadriplegia) $500,000 Both lower limbs (paraplegia) $500,000 Upper ad lower limbs of oe side of the body (hemiplegia) $500,000 B. REHABILITATION Whe ijuries result i a paymet beig made uder the Specific loss idemity sectio above (Beefit A), a additioal amout would be payable to you by the Isurer as follows: The reasoable ad ecessary expeses you actually icurred, up to a limit of $2,500, for special traiig provided: a. such traiig is required because of such ijuries, ad i order for you to be qualified to egage i a occupatio i which you would ot have bee egaged except for such ijuries; ad b. expeses are icurred withi two (2) years from the date of the accidet. No paymet will be made for ordiary livig, travellig or clothig expeses. C. FAMILY TRANSPORTATION Whe you are cofied as a ipatiet i a hospital for ijuries that result i a payable loss uder the Policy ad you require the persoal attedace of a family member as recommeded by the attedig physicia, or where due to your accidetal death, the attedace of a family member is required, the Isurer will pay for the expeses icurred by the family member for trasportatio to you by the most direct route by a commo carrier, but ot to exceed a amout of $1,000. 14

WHAT IS NOT COVERED EXCLUSIONS The Policy does ot cover ay loss, fatal or o-fatal, caused by or related to: 1. Your itetioal self-iflicted ijuries, suicide or attempted suicide while sae or isae; 2. War (declared or ot), a act of foreig eemies or rebellio, volutarily ad kowigly exposig yourself to risk from a act of war (declared or ot) or volutarily participatig i a riot or civil disorder; 3. The commissio of a crimial act or direct or idirect attempt to commit a crimial act by you or your beeficiary, whether or ot you have bee charged; 4. Your active full-time service i the armed forces of ay coutry or participatio i ay military maoeuvre or traiig exercise; 5. Ridig oboard a commo carrier with a status other tha passeger; 6. Ay accidet arisig from, or i ay way related to, your chroic use or abuse of alcohol or drugs, icludig prescriptio or illegal drugs, or deliberate o-compliace with prescribed medical therapy or treatmet whether prior to or durig your trip; 7. Sickess or disease, eve if the cause of its activatio or reactivatio is a accidet; 8. Ioisig radiatio or radioactive cotamiatio from ay uclear fuel or waste which results from the burig of uclear fuels; or, the radioactive, toxic, explosive or other dagerous properties of uclear machiery or ay part of it; 9. Cotamiatio due to ay act of terrorism; 10. Terrorism. LIMITATIONS 1. If, as a result of a accidet, you sustai ijuries resultig i multiple losses, the maximum idemity the Isurer will pay to you for all your losses will equal the highest idemity amout for oe (1) of your losses ad will ot exceed $500,000. 2. Idemity will ot be paid while you are i a coma. 3. Whe your death or loss occurs more tha fifty-two (52) weeks after the accidet, uless you are i a coma at the ed of that period; the Isurer will determie which beefits you are etitled to, if applicable, whe you regai cosciousess. WHAT SHOULD YOU DO IF YOU HAVE A CLAIM? If you call Assured Assistace at the time of the loss as show uder How to Obtai Assistace, you will receive the ecessary claims assistace. If you do ot call Assured Assistace, you must otify the Claims Cetre of your claim withi thirty (30) days of the date of the loss at the followig toll-free umber: RBC Isurace Claims Ceter: 1-800-464-3211 The Claims Ceter will the sed you the documet(s) you will eed to fill out i order to submit a claim ad idicate to you which additioal documet(s) or iformatio is also required for your claim to be reviewed. (Please Note: a legal guardia must complete the claim process o behalf of a covered perso uder the age of eightee (18) i Quebec or uder the age of sixtee (16) for the rest of Caada.) I certai circumstaces, the Isurer may require that you fill out a coset form i order to give: a. your coset to verify your health card umber ad other iformatio required to process your claim, with the relevat govermet ad other authorities; b. your authorizatio to physicias, hospitals ad other medical providers to provide the Isurer ay ad all iformatio they have regardig you, while uder observatio or treatmet, icludig your medical history, diagoses ad test results; ad 15

c. your agreemet to disclose ay of the iformatio available uder a) ad b) above to other sources, as may be required for the processig of your claim for beefits obtaiable from other sources. Submissio of claims ad all required documets/iformatio must be set to: RBC Isurace Compay of Caada Claims Cetre PO Box 97, Statio A Mississauga, ON L5A 2Y9 1-800-464-3211 You must submit the iformatio required for your claim withi iety (90) days of the date of the loss. If it is ot reasoably possible to provide such iformatio withi iety (90) days, you must do so withi oe (1) year of the loss or your claim will ot be reviewed. The Claims Ceter will otify you of the decisio o your claim withi sixty (60) days of receivig all of the required iformatio. OTHER CLAIM INFORMATION EXAMINATION AND AUTOPSY The Isurer, at its ow expese, shall have the right ad opportuity to examie the perso of ay covered perso whose ijury is the basis of a claim hereuder whe ad so ofte as it may reasoably require durig pedecy of a claim hereuder, ad also the right ad opportuity to make a autopsy i case of death where it is ot forbidde by law. PAYMENT OF CLAIMS Beefits for loss of your life will be paid to your desigated beeficiary(ies) (as further described below). Beefits for all other covered losses sustaied by you will be paid to you, if livig, otherwise to your desigated beeficiary(ies). If more tha oe (1) beeficiary is desigated ad the beeficiaries respective percetage of policy distributio is ot specified, the desigated beeficiaries shall share equally. If o beeficiary has bee desigated, or if the desigated beeficiary does ot survive you, the beefits will be paid to your estate. BENEFICIARY Uder this Certificate of Isurace, you may desigate a beeficiary or chage a previously desigated beeficiary. No oe else but you may desigate or chage a previously desigated beeficiary. For such desigatio or chage to become effective, you must complete a form etitled Desigatio, Revocatio or Additio of Beeficiary(ies) ad submit it to the Isurer. You ca obtai this form at your coveiece from our website at www.rbcisurace.com/ cardsbeeficiaryform. To obtai a paper copy by mail, please call RBC Isurace Compay of Caada at 1-800-533-2778 toll-free from the US & Caada, or (905) 816-2581 collect from aywhere i the world. Such desigatio or chage shall take effect as of the date the form was siged by you, but o earlier tha Jue 1, 2013. Ay paymet made by the Isurer prior to the receipt of such desigatio or chage shall fully discharge the Isurer to the extet of such paymet. LEGAL ACTIONS No actio at law or i equity shall be brought to recover o the Policy prior to the expiratio of sixty (60) days after the writte proof of loss has bee furished i accordace with the sectio What to do if you have a claim above. No such actio shall be brought after the expiratio of three (3) years from the decisio o your claim by the Isurer. WHAT OTHER TERMS SHOULD YOU KNOW ABOUT? 1. All amouts are show i Caadia dollars. If you have paid a covered expese, you will be reimbursed i Caadia currecy at the prevailig rate of exchage quoted by Royal Bak o the date the last service was redered to you. This isurace will ot pay for ay iterest or ay fluctuatios i the exchage rate. 2. Ay amout payable to a mior will be paid to the mior s legal ward. 16

3. If your body has ot bee foud withi oe (1) year of the disappearace, sikig, or wreckig of the commo carrier i which you were ridig at the time of the accidet, it will be presumed that you have suffered loss of life resultig from a bodily ijury caused by a accidet at the time of such disappearace, sikig or wreckig. 4. If you icur losses covered uder this Certificate of Isurace due to the fault of a third party, the Isurer may take actio agaist the third party. You agree to cooperate fully with the Isurer or its agets ad to allow the Isurer or its agets, at its/their ow expese, to brig a lawsuit i your ame agaist a third party. Where a third party is ivolved, a accidet report is required before ay claim paymets ca be made. 5. This Certificate of Isurace is the etire cotract betwee you ad the Isurer ad is subject to the statutory coditios of the Isurace Compaies Act of Caada ad ay goverig provicial statutes cocerig cotracts of accidet isurace. 6. The Isurer may, at its discretio, void this Certificate of Isurace i the case of fraud or attempted fraud by you, or if you coceal or misrepreset ay material fact or circumstace cocerig this isurace cotract. 7. O reasoable otice you or a claimat uder the cotract will be provided with a copy of the group cotract. 8. Every actio or proceedig agaist a isurer for the recovery of isurace moey payable uder the cotract is absolutely barred uless commeced withi the time set out i the Isurace Act (for actios or proceedigs govered by the laws of Alberta ad British Columbia), The Isurace Act (for actios or proceedigs govered by the laws of Maitoba), the Limitatios Act, 2002 (for actios or proceedigs govered by the laws of Otario), or i other applicable legislatio i your provice of residece. For those actios or proceedigs govered by the laws of Quebec, the prescriptive period is set out i the Quebec Civil Code. This Certificate of Isurace replaces ay prior Certificate of Isurace that may have bee provided to you i coectio with the Policy. AUTO RENTAL COLLISION/LOSS DAMAGE INSURANCE CERTIFICATE OF INSURANCE IMPORTANT PLEASE READ: This Certificate of Isurace is a valuable source of iformatio ad cotais provisios that may limit or exclude coverage. Please read this Certificate of Isurace, keep it i a safe place ad carry it with you whe you travel. INTRODUCTION Aviva Geeral Isurace Compay (referred to i this Certificate as the Isurer ) has issued group isurace policy F-2000375-A to Royal Bak of Caada ( Royal Bak ) to cover expeses related to Auto Retal Collisio/Loss or Damage. All covered persos are cliets of the Isurer. HOW TO OBTAIN ASSISTANCE If you require assistace or have questios about your coverage, call: 1-800-533-2778 toll-free from the US & Caada or 905-816-2581 collect from aywhere i the world. HELPFUL INFORMATION ABOUT AUTO RENTAL COLLISION/LOSS DAMAGE INSURANCE This Certificate of Isurace does ot cover third party liability coverage. Check with your persoal automobile isurer ad the retal agecy to esure that you ad all other drivers have adequate third party liability, persoal ijury ad damage to property coverage. This isurace is effective whe the full cost of your retal vehicle issued by a retal agecy is paid with your RBC Avio Visa Ifiite Privilege card ad/or RBC Rewards poits. If oly a partial paymet is made usig RBC Rewards poits, the etire balace of that retal vehicle must be paid usig your RBC Avio Visa Ifiite Privilege card i order to be covered. 17

The legth of time you ret the same vehicle must ot exceed forty-eight (48) cosecutive days, which shall follow oe immediately after the other. I order to break the cosecutive day cycle, a full caledar date must exist betwee retal periods. Coverage may ot be exteded for more tha forty-eight (48) cosecutive days by reewig or takig out a ew retal agreemet with the same or aother retal agecy for the same vehicle or aother vehicle. If the covered perso does ot declie the retal agecy s CDW optio or its equivalet, this Certificate of Isurace is secodary coverage ad will cover the deductible amout i the evet of a claim. Most vehicles are covered by this Certificate of Isurace, but there are some exclusios. (A list of vehicles excluded from this coverage is outlied i the sectio What is ot covered? ). Coverage is available except where prohibited by law. Check the retal vehicle carefully for scratches or dets before ad after you drive the vehicle. Be sure to poit out where the scratches or dets are located to a retal agecy represetative. If the vehicle has sustaied damage of ay kid, call 1-800-533-2778 (i Caada or the Uited States) or (905) 816-2581 (collect) immediately. Do ot sig a blak sales draft to cover the damage ad loss of use charges or a sales draft with a estimated cost of repair ad loss of use charges. The retal aget may make a claim o your behalf to recover repair ad loss of use charges by followig the procedures outlied i the sectio What should you do if you have a claim? Claims must be reported withi forty-eight (48) hours of the loss/damage occurrig by callig 1-800-533-2778 (whe i Caada or the Uited States) or (905) 816-2581 (collect). It is importat that you read ad uderstad your Certificate of Isurace as your coverage is subject to certai limitatios or exclusios. DEFINITIONS Throughout this documet, all italicized terms have the specific meaig explaied below. Additioal cardholder meas a co-applicat or a authorized user. Applicat meas a perso who has siged ad/or submitted a applicatio as the primary cardholder for a RBC Avio Visa Ifiite Privilege card, to whom a card has bee issued ad i whose ame the card accout is established. A applicat does ot iclude a additioal cardholder. A applicat must be a permaet residet of Caada. Authorized user meas a perso, other tha the applicat ad the co-applicat, to whom a RBC Avio Visa Ifiite Privilege card has bee issued at the request of the applicat or the co-applicat. A authorized user must be a permaet residet of Caada. Car sharig meas a car retal club that gives its members twety-four (24)-hour access to a fleet of cars parked i a coveiet locatio. Co-applicat meas a perso who has siged ad/or submitted a applicatio for a RBC Avio Visa Ifiite Privilege card as the co-applicat, ad to whom a card has bee issued. A co-applicat must be a permaet residet of Caada. Covered perso meas: 1. The applicat or additioal cardholder, who presets i perso at the retal agecy, sigs the retal cotract ad takes possessio of the retal vehicle. A covered perso may be referred to as you or your or yourself. 2. Ay other perso who drives the same retal vehicle with your permissio whether or ot such perso has bee listed o the retal vehicle cotract or has bee idetified to the retal agecy at the time of makig the retal. However, you ad all drivers must otherwise qualify uder ad follow the terms of the retal cotract ad must be legally licesed ad permitted to drive the retal vehicle uder the laws of the jurisdictio i which the retal vehicle shall be used. 18

Loss of use meas the amout paid to a retal agecy to compesate it whe a retal vehicle is uavailable for retal while udergoig repairs for damage icurred durig the retal period. Mii-va meas a va made by a automobile maufacturer ad classified by the maufacturer or a govermet authority as a mii-va made to trasport a maximum of eight (8) people icludig the driver ad which are used exclusively for the trasportatio of passegers ad their luggage. Permaet residet meas a perso who resides i Caada for at least six (6) moths of the year. However, idividuals otherwise eligible for coverage who are members of the Caadia Foreig Service eed ot satisfy this requiremet. Retal agecy (or retal agecies) meas a vehicle retal agecy licesed to ret vehicles ad which provides a retal agreemet. For greater certaity, throughout this Certificate of Isurace, the terms retal compay ad retal agecy refer to both traditioal vehicle retal agecies ad car sharig programs. Retal agecy s CDW meas a optioal Collisio Damage Waiver ( CDW ) or similar waiver offered by retal compaies ad retal agecies that relieves reters of fiacial resposibility if the vehicle is damaged or stole while uder retal cotract. The retal agecy s CDW is ot isurace. Tax-free car meas a tax-free car package that provides tourists with a short-term (sevetee (17) days to six (6) moths) tax-free vehicle lease agreemet with a guarateed buyback. The Isurer will ot provide coverage for tax-free cars. WHEN DOES COVERAGE BEGIN AND END? Upo takig possessio of the retal vehicle, coverage begis whe: 1. You use your RBC Avio Visa Ifiite Privilege card ad/or RBC Rewards poits to pay for the etire cost of the retal from a retal agecy. If oly a partial paymet is made usig RBC Rewards poits, the etire balace of that retal must be paid usig your RBC Avio Visa Ifiite Privilege card i order to be covered. 2. You declie the retal agecy s CDW optio or similar coverage offered by the retal agecy o the retal cotract. If there is o space o the vehicle retal cotract for you to idicate that you have declied the coverage, the idicate i writig o the cotract I declie CDW provided by this merchat. (Note: If you decide to purchase the retal agecy s CDW optio or similar coverage, the this Certificate of Isurace will oly cover your deductible i the evet of a claim provided all terms ad coditios of this coverage are met.) Coverage eds idividually, for each covered perso, o the earliest of: 1. The date ad time the retal agecy reassumes cotrol of the retal vehicle; 2. The date upo which your retal period exceeds forty-eight (48) cosecutive days or your retal period is exteded for more tha forty-eight (48) cosecutive days by reewig or takig out a ew retal agreemet with the same or aother retal agecy for the same vehicle or other vehicles; 3. The date the group isurace policy is cacelled by the Isurer or Royal Bak. However, such cacellatio of coverage shall ot apply to travel arragemets charged to your RBC Avio Visa Ifiite Privilege card prior to the cacellatio date of the group isurace policy; 4. The date your RBC Avio Visa Ifiite Privilege accout is sixty (60) days past due; 5. The date your RBC Avio Visa Ifiite Privilege card is cacelled or card privileges are otherwise termiated; 6. The date Royal Bak receives writte otice from you that you choose to cacel your RBC Avio Visa Ifiite Privilege card. 19

WHAT IS COVERED AND WHAT ARE THE BENEFITS? Whe you pay for the etire cost of the retal vehicle usig your RBC Avio Visa Ifiite Privilege card ad/or RBC Rewards poits, this Certificate of Isurace covers you ad/or a retal agecy for loss/damages up to the actual cash value of the damaged or stole retal vehicle, as well as valid retal agecy towig ad loss of use charges whe the coditios described i this Certificate of Isurace are met. This isurace coverage is available o a twety-four (24)-hour basis uless precluded by law or the coverage is i violatio of the terms of the retal cotract i the jurisdictio i which it was formed (other tha uder What is ot covered? #8 (a), (b) or (c). This coverage is primary isurace, except i the followig circumstaces: if the covered perso decides to purchase the retal agecy s CDW optio or its equivalet; or i such circumstaces where the applicable govermet isurace legislatio states otherwise. The followig types of retal vehicles are covered: All cars, sport utility vehicles, ad mii-vas except those listed i the sectio What is ot covered? Also, Retal vehicles that are part of prepaid travel packages are also covered if the total package was paid by your RBC Avio Visa Ifiite Privilege card ad/or RBC Rewards poits; You are covered if you receive a free retal as a result of a promotio where you have had to make previous vehicle retals ad if each such previous retal was etirely paid for with your RBC Avio Visa Ifiite Privilege card ad/or RBC Rewards poits; You are covered if you receive a free retal day(s) as a result of a RBC Rewards program for the umber of days of free retal. If the free retal day(s) are combied with retal days for which you pay the egotiated rate, this etire balace must be paid with your RBC Avio Visa Ifiite Privilege card ad/or RBC Rewards poits. WHAT IS NOT COVERED? The Isurer will ot pay for ay expeses icurred directly or idirectly as a result of: 1. A replacemet vehicle for which your persoal automobile isurace is coverig all or part of the cost of the retal; 2. Third party liability (which meas you ijure someoe else or damage their property i a motor vehicle accidet); 3. Your persoal ijury; 4. Damage to property, (except the retal vehicle itself or its equipmet); 5. The operatio of the retal vehicle at ay time durig which ay covered perso is drivig while itoxicated or uder the ifluece of ay arcotic; 6. Ay dishoest, fraudulet or crimial act committed by ay covered perso; 7. Wear ad tear, gradual deterioratio, or mechaical or electrical breakdow or failure, iheret vice or damage, isects or vermi; 8. Operatio of the retal vehicle i violatio of the terms of the retal agreemet except: a. covered persos as defied, may operate the retal vehicle; b. the retal vehicle may be drive o publicly maitaied gravel roads; c. the retal vehicle may be drive across provicial ad state boudaries i Caada ad the U.S. ad betwee Caada ad the U.S. 9. Seizure or destructio uder a quaratie or customs regulatios or cofiscated by order govermet or public authority; 10. Trasportatio of cotrabad or illegal trade; 20

11. War, hostile or warlike actio, isurrectio, rebellio, revolutio, civil war, usurped power, or actio take by govermet or public authority i hiderig, combatig or defedig agaist such actio; 12. Trasportatio of property or passegers for hire; 13. Nuclear reactio, uclear radiatio, or radioactive cotamiatio; 14. Itetioal damage to the retal vehicle by a covered perso; 15. Expeses due to dimiished value of the retal vehicle. The followig vehicles are NOT covered: 1. Vas, cargo vas or mii cargo vas (other tha mii-vas); 2. Trucks, pick-up trucks or ay vehicle that ca be spotaeously recofigured ito a pick-up truck); 3. Limousies; 4. Off-road vehicles meaig ay vehicle used o roads that are ot publicly maitaied roads uless used to igress ad egress private property; 5. Motorcycles, mopeds or motor bikes; 6. Trailers, campers, recreatioal vehicles or vehicles ot licesed for road use; 7. Vehicles towig or propellig trailers or ay other object; 8. Mii-buses or buses; 9. Ay vehicle with a Maufacturer s Suggested Retail Price (MSRP) excludig all taxes, over eighty-five thousad dollars Caadia ($85,000 CDN); 10. Exotic vehicles, meaig vehicles such as Asto Marti, Betley, Brickli, Daimler, DeLorea, Excalibur, Ferrari, Jese, Lamborghii, Lotus, Maserati, Porsche, Rolls Royce; 11. Ay vehicle which is either wholly or i part had made, had fiished or has a limited productio of uder 2,500 vehicles per year; 12. Atique vehicles, meaig a vehicle over twety (20) years old or which has ot bee maufactured for te (10) years or more; ad 13. Tax-free cars. Luxury vehicles, icludig but ot limited to BMW, Cadillac, Licol ad Mercedes Bez are covered as log as they meet the above requiremets. WHAT SHOULD YOU DO IF YOU HAVE A CLAIM? I the evet of loss/damage to your retal vehicle, call 1-800-533-2778 (toll-free) withi forty-eight (48) hours if you are i Caada or the Uited States or (905) 816-2581 (collect). The represetative will aswer your questios ad sed you a claim form. Decide with the retal aget who will make the claim. (Please ote: You must otify the retal agecy ad obtai coset prior to completig ay repairs o your ow. If the retal aget decides to settle the claim directly, complete the accidet report claim form ad assig the right for the retal agecy to make the claim o your behalf o the claim form or other authorized forms. It is importat to ote that you remai resposible for the loss/damage ad that you may be cotacted i the future to aswer iquiries resultig from the claims process. The retal aget may fax the required documetatio toll-free if they are i Caada or the Uited States to 1-866-804-2228. Elsewhere the fax umber is (905) 813-4791 (collect). Origial documetatio may also be required i some istaces. (If you have ay questios, are havig ay difficulties, or would like the claims admiistrator to be ivolved immediately, call the umber provided above). If you will be makig the claim, you must call the claims admiistrator withi forty-eight (48) hours of the loss/damage havig occurred. Your claim must be submitted with as much documetatio as possible, as requested below, withi forty-five (45) days of discoverig the loss/damage. You will eed to provide all documetatio withi iety (90) days of the date of loss or damage to the claims admiistrator at the address provided below. 21

For your claim to be reviewed, you must submit the followig origial documetatio, as applicable: the claim form, completed ad siged; your RBC Visa statemet ad/or receipt showig that the retal was paid i full with your RBC Avio Visa Ifiite Privilege card ad/or RBC Rewards poits; a copy of your ivoice showig all prepaid expeses (prepaid retal car paymet); a copy of your receipt showig amout of RBC Rewards poits redeemed; a copy of your previous retal agreemets resultig i a free retal; the origial copy of both sides of the vehicle retal agreemet; the accidet or damage report, icludig photographs of the damage; the itemized repair bill, or if ot available, a copy of the estimate; receipt for paid repairs; the police report, whe available; a copy of your billig or pre-billig statemet if ay repair charges were billed to your accout; ad a copy of your paid statemet or billig idicatig the deductible amout (if you have purchased the retal agecy s CDW or similar coverage). Forward this documetatio to: Aviva Geeral Isurace Compay Attetio: RBC Visa Claims PO Box 6, Statio A Mississauga, ON L5A 2Y9 Uder ormal circumstaces, the claim will be reviewed withi fiftee (15) days after the claims admiistrator has received all ecessary documetatio. If the claim caot be assessed o the basis of the iformatio that has bee provided, it may be closed. After the Isurer has paid your claim, your rights ad recoveries will be trasferred to the Isurer to the extet of the Isurer s paymet for the loss/damage icurred whe the retal vehicle was uder your resposibility. This meas the Isurer will the be etitled, at its ow expese, to sue aother party i your ame. If the Isurer chooses to sue aother party i your ame, you must give the Isurer all the assistace the Isurer may reasoably require to secure its rights ad remedies. This may iclude providig your sigature o all ecessary documets that eable the Isurer to sue i your ame. Oce you report loss or damage, a claim file will be opeed ad will remai ope for six (6) moths from the date of the loss, or damage. Paymet will oly be made o a claim or ay part of a claim that is completely substatiated as required by the claims admiistrator withi six (6) moths of the date of loss/damage. You should use due diligece ad do all thigs ecessary to avoid or reduce ay loss or damage to property protected by this Auto Retal Collisio/Loss Damage Isurace. OTHER CLAIM INFORMATION You may oly commece a legal actio i the provice or territory where the Certificate of Isurace was issued. You or your heirs assig coset to the trasfer of ay legal actio to the provice or territory where the Certificate of Isurace was issued. WHAT OTHER TERMS SHOULD YOU KNOW ABOUT? 1. Your RBC Avio Visa Ifiite Privilege accout must be ope ad i good stadig durig the retal period. 2. Oly the covered perso may ret a vehicle ad may decide to declie the retal agecy s CDW or a equivalet alterative coverage offerig. This coverage applies oly to the covered perso s persoal ad busiess use of the retal vehicle. 22

3. Coverage is limited to oe (1) retal vehicle at a time; i.e. if durig the same period there is more tha oe (1) vehicle reted by the covered perso, oly the first retal will be eligible for these beefits. 4. If you make a claim kowig it to be false or fraudulet i ay respect, you will ot be etitled to the beefits of this protectio, or to the paymet of ay claim made uder this Certificate of Isurace. 5. The Isurer may, at its discretio, void this isurace cotract i the case of fraud or attempted fraud by you, or if you coceal or misrepreset ay material fact or circumstace cocerig this isurace cotract. 6. O reasoable otice you or a claimat uder the cotract will be provided with a copy of the group cotract. 7. Every actio or proceedig agaist a isurer for the recovery of isurace moey payable uder the cotract is absolutely barred uless commeced withi the time set out i the Isurace Act (for actios or proceedigs govered by the laws of Alberta ad British Columbia), The Isurace Act (for actios or proceedigs govered by the laws of Maitoba), the Limitatios Act, 2002 (for actios or proceedigs govered by the laws of Otario), or i other applicable legislatio i your provice of residece. For those actios or proceedigs govered by the laws of Quebec, the prescriptive period is set out i the Quebec Civil Code. TRIP CANCELLATION/TRIP INTERRUPTION INSURANCE CERTIFICATE OF INSURANCE IMPORTANT - PLEASE READ: This Certificate of Isurace is a valuable source of iformatio ad cotais provisios that may limit or exclude coverage. Please read this Certificate of Isurace, keep it i a safe place ad carry it with you whe you travel. INTRODUCTION RBC Isurace Compay of Caada (the Isurer ) has issued group isurace policy U-1014452-A to Royal Bak of Caada ( Royal Bak ) to cover expeses related to Trip Cacellatio, ad group isurace policy U-1014453-A to Royal Bak to cover expeses related to Trip Iterruptio. All covered persos are cliets of the Isurer. This Certificate of Isurace summarizes the provisios of these group isurace policies. HOW TO OBTAIN ASSISTANCE If you require assistace or have questios about your coverage, you ca cotact Assured Assistace Ic. ( Assured Assistace ) by callig: 1-800-533-2778 toll-free from the US & Caada or 905-816-2581 collect from aywhere i the world. Trip Cacellatio/Trip Iterruptio Isurace will reimburse oly the cacellatio pealties i effect at the time of the cause of cacellatio or iterruptio. Whe the cause of cacellatio occurs before the scheduled departure from the departure poit, ad while coverage is i effect, you must cacel your trip through your travel aget, airlie, tour compay, carrier or travel authority immediately, but o later tha the ext busiess day followig the cause of cacellatio. You must also call Assured Assistace immediately. Whe you are forced to iterrupt or discotiue your trip due to oe of the covered reasos, ad while coverage is i effect, you must call Assured Assistace immediately. 23

IMPORTANT NOTICE PLEASE READ CAREFULLY Travel isurace is desiged to cover losses arisig from sudde ad uforeseeable circumstaces. It is importat that you read ad uderstad your isurace before you travel as your coverage may be subject to certai limitatios or exclusios. A pre-existig exclusio applies to medical coditios ad/or symptoms that existed prior to your effective date. Check to see how this applies i your isurace ad how it relates to your effective date. I the evet of a accidet, ijury or sickess, your prior medical history may be reviewed whe a claim is reported. HELPFUL INFORMATION ABOUT TRIP CANCELLATION/TRIP INTERRUPTION INSURANCE The maximum amout covered uder the Trip Cacellatio Isurace for each covered perso is $2,500 per trip. The maximum amout covered uder the Trip Cacellatio Isurace for a depedet child aged 16-25 travellig o their ow is $2,500 per trip. The maximum amout covered uder the Trip Cacellatio Isurace for each additioal cardholder is $2,500 per trip. The maximum amout covered uder the Trip Iterruptio Isurace for each covered perso is $5,000 per trip. If you eed to top-up your RBC Royal Bak credit card coverage beyod the maximum amout offered o your card, cotact the Erollmet Ceter at 1-800-565-3129 (toll free from USA or Caada) or 905-816-2577 (collect call from aywhere). It is importat that you read ad uderstad your Certificate of Isurace as your coverage is subject to certai limitatios or exclusios. DEFINITIONS Throughout this documet, all italicized terms have the specific meaig explaied below. Additioal cardholder meas a co-applicat or a authorized user. Applicat meas a perso who has siged ad/or submitted a applicatio as the primary cardholder for a RBC Avio Visa Ifiite Privilege card, to whom a card has bee issued ad i whose ame the card accout is established. A applicat does ot iclude a additioal cardholder. A applicat must be a permaet residet of Caada. Authorized user meas a perso, other tha the applicat ad the co-applicat, to whom a RBC Avio Visa Ifiite Privilege card has bee issued at the request of the applicat or the co-applicat. A authorized user must be a permaet residet of Caada. Cacellatio pealties meas the amout forfeited uder the terms ad coditios of the applicable travel arragemets whe your trip is cacelled, ad for which there will be o form of compesatio. The travel arragemets must be paid with your RBC Avio Visa Ifiite Privilege ad/or equivalet RBC Rewards poits. Chage i medicatio meas the additio of ay ew prescriptio drug, the withdrawal of ay prescriptio drug, a icrease i the dose of ay prescriptio drug, or a decrease i the dose of ay prescriptio drug. Exceptios: a adjustmet i the dosage of isuli or Coumadi (warfari), if you are curretly takig these drugs; a chage from a brad ame drug to a equivalet geeric drug of the same dosage. Co-applicat meas a perso who has siged ad/or submitted a applicatio for a RBC Avio Visa Ifiite Privilege card as the co-applicat, ad to whom a card has bee issued. 24

A co-applicat must be a permaet residet of Caada. Commo carrier meas ay lad, air or water coveyace for regular passeger service, which is licesed to trasport passegers for compesatio or hire. Covered perso meas the applicat, the applicat s spouse, or the applicat s depedet child who travels with or jois the applicat or the applicat s spouse o the same trip. Note: Depedet childre 16-25 years of age are eligible for this isurace whe travellig without the applicat or the applicat s spouse. A additioal cardholder is a covered perso i his/ her ow right. A covered perso may be referred to as you or your or yourself. The spouse ad/or depedet child of a additioal cardholder are ot eligible for this isurace. Departure date meas the date of your departure from your departure poit. Departure poit meas the provice or territory you depart from o the first day of your iteded trip. Depedet child meas a umarried, atural, adopted, step or foster child, or legal ward of the applicat, who is: uder twety-oe (21) years of age, or uder twety-six (26) years of age if a full-time studet, or metally or physically hadicapped ad icapable of self-sustaiig employmet ad totally reliat o you for support ad maiteace. Effective date meas the date ad time of purchase of prepaid travel, accommodatios ad recreatio arragemets ad before ay cacellatio pealties have bee icurred, provided you pay the etire cost with your RBC Avio Visa Ifiite Privilege ad/or RBC Rewards poits. Emergecy meas ay uexpected or uforesee sickess or bodily ijury that occurs durig the period of coverage ad makes it ecessary for you to receive immediate treatmet from a physicia or to be hospitalized. Family meas your spouse, paret, step-paret, gradparet, gradchild, i-law, atural or adopted child, step-child, brother, sister, step-brother step-sister, legal guardia, or legal ward. Hospital meas a establishmet that is licesed as a accredited hospital, is operated for the care ad treatmet of i-patiets, has a registered urse always o duty, ad has a laboratory ad a operatig room o the premises or i facilities cotrolled by the establishmet. Hospital does ot mea ay establishmet used maily as a cliic, exteded or palliative care facility, rehabilitatio facility, covalescet, rest or ursig home, home for the aged, health spa or addictio treatmet cetre. Key employee meas a employee whose cotiued presece is critical to the ogoig affairs of the busiess durig your absece. Medical coditio meas accidetal bodily ijury or sickess (or a coditio related to that accidetal bodily ijury or sickess), icludig disease, acute psychoses ad complicatios of pregacy occurrig withi the first thirty-oe (31) weeks of pregacy. Metal or emotioal disorders meas emotioal or axiety states, situatioal crisis, axiety or paic attacks, or other metal health disorders treated with mior traquilizers or ati-axiety (axiolytics) medicatio. Moutai climbig meas the ascet or descet of a moutai requirig the use of specialized equipmet, icludig crampos, pick-axes, achors, bolts, carabiers ad lead-rope or toprope achorig equipmet. Permaet residet meas a perso who resides i Caada for at least six (6) moths of the year. However, idividuals otherwise eligible for coverage who are members of the Caadia Foreig Service eed ot satisfy this requiremet. Physicia meas someoe who is ot you or a member of your family who is licesed to prescribe drugs ad admiister medical treatmet (withi the scope of such licese) at the locatio where the treatmet is provided. A physicia does ot iclude a aturopath, herbalist, homeopath or chiropractor. Prescriptio drug meas drugs ad medicies that ca oly be issued upo the prescriptio of a physicia or detist ad are dispesed by a licesed pharmacist. 25

Retur date meas the date ad time o which you are scheduled to retur to your departure poit. Spouse meas the perso who is legally married to you, or has bee livig i a cojugal relatioship with you ad residig i the same household as you for a cotiuous period of at least oe (1) year. Stable meas ay medical coditio or related coditio (icludig ay heart coditio or ay lug coditio) for which there has bee: o ew treatmet, ew medical maagemet or ew prescribed medicatio; ad o chage i treatmet, chage i medical maagemet or chage i medicatio; ad o ew symptom or fidig, more frequet symptom or fidig or more severe symptom or fidig experieced; ad o ew test results or tests showig a deterioratio; ad o ivestigatios or future ivestigatios iitiated, or recommeded for your symptoms; ad o hospitalizatio or referral to a specialist (made or recommeded). Travellig compaio meas the perso who is sharig travel arragemets with you, to a maximum of three (3) persos. Trip meas the period of time from your departure date up to ad icludig your scheduled retur date, as show o your travel documets. WHEN DOES COVERAGE BEGIN AND END? This isurace provides coverage wheever prepaid travel, accommodatios ad recreatio arragemets are paid with your RBC Avio Visa Ifiite Privilege ad/or RBC Rewards poits, ad before ay cacellatio pealties have bee icurred. If oly a partial paymet is made usig RBC Rewards poits, the etire balace of the prepaid travel, accommodatios ad recreatios arragemets must be paid usig your RBC Avio Visa Ifiite Privilege card i order to be covered. Coverage starts o your effective date. Coverage eds, idividually for the applicat ad each additioal cardholder, o the earliest of: 1. Midight of your retur date; 2. The date your RBC Avio Visa Ifiite Privilege accout is cacelled; 3. The date your RBC Avio Visa Ifiite Privilege accout is sixty (60) days past due; or 4. The date the group isurace policy or policies are cacelled by the Isurer or Royal Bak. However, such cacellatio of coverage shall ot apply to travel arragemets charged to your RBC Avio Visa Ifiite Privilege card prior to the cacellatio date of the group isurace policy or policies. WHAT ARE THE SUMS INSURED? Uder Trip Cacellatio Isurace (whe the covered reaso occurs BEFORE your trip), the maximum amout of coverage per trip for: a. Each covered perso is $2,500. b. A depedat child aged 16-25 travellig without the applicat or the applicat s spouse is $2,500. c. Each additioal cardholder is $2,500. Note: If the applicat s spouse or the applicat s depedet child is also a additioal cardholder, the maximum sum isured for this covered perso is the amout listed for a additioal cardholder. Uder Trip Iterruptio Isurace (whe the covered reaso occurs DURING your trip), or Trip Delay (whe the covered reaso occurs durig your trip ad results i your beig delayed beyod your scheduled retur date from returig to your departure poit), the maximum amout payable for each covered perso is $5,000. 26

WHAT IS COVERED AND WHAT ARE THE BENEFITS? What are you covered for? Covered Reasos: Medical coditio or death What are the beefits? Uder Trip Cacellatio Uder Trip Iterruptio & Trip Delay 1 Your emergecy medical coditio or death. Beefit A B & C, or B & D 2 The emergecy medical coditio or death of your travellig compaio. 3 The emergecy medical coditio or death of your spouse or your depedet child. 4 The emergecy medical coditio or death of a member of your or your travellig compaio s family. 5 Hospitalizatio or the death of your host at destiatio, your legal busiess parter or key employee. Beefit A Beefit A Beefit A Beefit A Other covered reasos 6 A writte formal travel warig issued by the Departmet of Foreig Affairs ad Iteratioal Trade of the Caadia govermet after the purchase of your trip, advisig Caadias ot to travel to a coutry, regio or city origially ticketed for a period that icludes your trip. Beefit A 7 A trasfer by the employer with whom you or your spouse is employed o your effective date, which requires the relocatio of your pricipal residece. 8 Delay of your commo carrier, resultig from the mechaical failure of that carrier, a traffic accidet or a emergecy police-directed road closure (either must be substatiated by a police report), or weather coditios, causig you to miss a coectio or resultig i the iterruptio of your trip. The outright cacellatio of a flight is ot cosidered a delay. 9 A atural disaster that reders your pricipal residece uihabitable. Beefit A Beefit D Beefit A B & C, or B & D B & C B & C B & C B & C /a Beefit D B & C 10 Your quaratie or hijackig. Beefit A B & C 11 You beig called for jury duty; beig subpoeaed as a witess; or required to appear as a party i a judicial proceedig, durig your trip. 12 You or your travellig compaio beig summoed to service i the case of reservists, active military, police, essetial medical persoel ad fire persoel. 13 The legal adoptio of a child by you or your travellig compaio, whe the actual date of that adoptio is scheduled to take place after your effective date ad prior to or durig your trip. Beefit A Beefit A Beefit A /a B & C B & C 27

WHAT ARE THE BENEFITS? Reimbursemet to you of the expeses you actually icur as a result of oe (1) of the covered reasos up to the sum isured for: A. I case of cacellatio of your trip, the o-refudable portio of your prepaid travel arragemets. B. I case of iterruptio of your trip, the o-refudable uused portio of your prepaid travel arragemets, excludig the cost of prepaid uused trasportatio back to your departure poit. C. Your ecoomy-class trasportatio via the most cost-effective route to your departure poit. Travel must be udertake o the earliest of: i. The date whe your travel is medically possible, ad ii. Withi te (10) days followig your origially scheduled retur date if your delay is ot the result of hospitalizatio, or iii. Withi thirty (30) days followig your origially scheduled retur date if your delay is the result of hospitalizatio. Fly to Bedside or Fueral Note: If you are required to iterrupt your trip to atted a fueral or travel to the bedside of a hospitalized family member, busiess parter, or key employee, you have the optio to purchase a ticket to the destiatio where the death or hospitalizatio has occurred. You will be reimbursed the cost of the ticket, up to the maximum amout of what it would have cost for oe-way ecoomy class trasportatio via the most cost-effective route back to your departure poit (applicable to covered reasos #4 ad #5). This optio is subject to the pre-authorizatio of Assured Assistace Ic. This optio ca oly be used oce durig your trip. If you choose this optio, it will replace Beefit C. D. Your oe-way ecoomy airfare via the most cost-effective route to your ext destiatio (i-boud ad outboud). Retur of a travellig compaio Should a decisio be made by the Isurer to trasport you to a treatmet facility i your provice or territory of residece, the Isurer will pay the cost of ecoomy-class trasportatio for oe (1) travellig compaio to his/her departure poit, provided that he/she is uable to make use of the origial ticket as a result of the delay caused by your emergecy medical coditio or death. WHAT IS NOT COVERED? PRE-EXISTING MEDICAL CONDITION EXCLUSIONS This isurace does ot pay for ay expeses icurred directly or idirectly as a result of: 1. Your medical coditio or related coditio (whether or ot the diagosis has bee determied), if at ay time i the iety (90) days before your effective date, your medical coditio or related coditio has ot bee stable. 2. Your heart coditio (whether or ot the diagosis has bee determied), if at ay time i the iety (90) days before your effective date: a. ay heart coditio has ot bee stable, or b. you have take itroglyceri more tha oce per week specifically for the relief of agia pai. 3. Your lug coditio (whether or ot the diagosis has bee determied), if at ay time i the iety (90) days before your effective date: a. ay lug coditio has ot bee stable, or b. you have bee treated with home oxyge or take oral steroids (predisoe or predisoloe) for ay lug coditio. 28

GENERAL EXCLUSIONS The Isurer will ot pay for ay expeses icurred directly or idirectly as a result of: 1. Cacellatio or iterruptio whe you are aware, o the effective date, of ay reaso that might reasoably prevet you from travellig as booked. 2. A trip udertake to visit or atted a ailig perso, whe the medical coditio or esuig death of that perso is the cause of the claim. 3. The iability to obtai desired retal accommodatio, fiacial difficulties or uwilligess to travel. 4. Your failure to appear at the airport, except i circumstaces described as covered reasos. 5. Ay travel rewards provided by ay frequet flyer program, excludig the RBC Rewards program. 6. Ay medical coditio if you udertake your trip with the prior kowledge that you will require or seek treatmet, surgery, ivestigatios, palliative care or alterative therapy of ay kid, regardless of whether the treatmet, surgery, ivestigatios, palliative care or alterative therapy is related i ay way to the medical coditio. 7. The followig: routie pre-atal care, or complicatios of pregacy occurrig withi ie (9) weeks before or after the expected date of delivery, or complicatios of childbirth occurrig withi ie (9) weeks before or after the expected date of delivery. 8. Ay child bor durig the trip. 9. Your participatio as a professioal i sports, participatio as a professioal i uderwater activities, scuba divig as a amateur uless you hold a basic scuba desigatio from a certified school or other licesig body, participatio i a motorized race or motorized speed cotest, bugee jumpig, parachutig, rock climbig, moutai climbig, hagglidig or skydivig. 10. Your committig or attemptig to commit a crimial offece. 11. Your itetioal self-iflicted ijury, suicide or attempted suicide (whether sae or isae). 12. Your metal or emotioal disorders. 13. Ay medical coditio, arisig from, or i ay way related to, your chroic use of alcohol or drugs whether prior to or durig your trip. 14. Your abuse of medicatio, drugs or alcohol or deliberate o-compliace with prescribed medical therapy or treatmet whether prior to or durig your trip. 15. Act of foreig eemies or rebellio, volutarily ad kowigly exposig yourself to risk from a act of war (declared or ot) or volutarily participatig i a riot or civil disorder. 16. Ioizig radiatio or radioactive cotamiatio from ay uclear fuel or waste which results from the burig of uclear fuels; or, the radioactive, toxic, explosive or other dagerous properties of uclear machiery or ay part of it. WHAT SHOULD YOU DO IF YOU HAVE A CLAIM? If you call Assured Assistace at the time of the cacellatio or iterruptio as show uder How to Obtai Assistace you will receive the ecessary claims assistace. If you do ot call Assured Assistace, you must otify the Claims Cetre of your claim withi thirty (30) days of the date of the cause of cacellatio or iterruptio. For your claim to be reviewed, you must submit the followig iformatio: The completed claim form. Please cotact the Claims Cetre to obtai a claim form. (Note: A legal guardia must complete the claim process o behalf of a covered perso uder the age of eightee (18) i Quebec or uder the age of sixtee (16) for the rest of Caada), 29

The medical certificate (cotact the Claims Cetre to obtai a medical certificate), fully completed by the legally qualified physicia i active persoal attedace ad i the locality where the medical coditio occurred statig the reaso why travel was ot recommeded, A copy of your RBC Visa statemet or itemized receipt showig that your paymet for your trip was paid i full with your RBC Avio Visa Ifiite Privilege ad/or RBC Rewards poits, Writte evidece of the covered reaso, which was the cause of cacellatio, iterruptio, or delay, Complete origial uused trasportatio tickets ad vouchers, Receipts for the prepaid lad arragemets, Origial passeger receipts for ew tickets, Reports from police, commo carrier or local authorities documetig the cause of the missed coectio, ad Detailed ivoices ad/or receipts from the service provider(s). Submissio of claims must be made to the Claims Cetre: RBC Isurace Compay of Caada Claims Cetre PO Box 97, Statio A Mississauga, ON L5A 2Y9 1-800-464-3211 You must submit the iformatio required for your claim withi iety (90) days of the date of the cause of cacellatio or iterruptio. If it is ot reasoably possible to provide such iformatio withi iety (90) days, you must do so withi oe (1) year or your claim will ot be reviewed. The Claims Cetre will otify you of the decisio o your claim withi sixty (60) days of receivig all of the required iformatio. OTHER CLAIM INFORMATION Whe a cause of cacellatio occurs (the evet or series of evets that triggers oe of the 13 covered reasos) before your departure date, you must: a. Cacel your trip with the travel aget, airlie, tour compay, carrier or travel authority immediately, but o later tha the busiess day followig the cause of cacellatio, ad b. Advise the Isurer at the same time. The Isurer s maximum liability is the amouts or portios idicated i your trip cotract that are o-refudable at the time of the cause of cacellatio or o the ext busiess day. You may oly commece a legal actio i the provice or territory where the Certificate of Isurace was issued. You or your heirs assig coset to the trasfer of ay legal actio to the provice or territory where the Certificate of Isurace was issued. WHAT OTHER TERMS SHOULD YOU KNOW ABOUT? 1. This isurace is classified as supplemetal or excess, i that it covers expeses i excess of expeses payable by ay other isurace pla. 2. If you are eligible, from ay other isurer, for beefits similar to the beefits provided uder this isurace, the total beefits paid to you by all isurers caot exceed the actual expese that you have icurred. We will coordiate the paymet of beefits with all isurers from whom you are eligible for beefits similar to those provided uder this isurace, to a maximum of the largest amout specified by each isurer. 3. If you icur expeses covered uder this isurace due to the fault ad/or egligece of a third party, the Isurer may take actio agaist the third party. You agree to cooperate fully with the Isurer or its agets ad to allow the Isurer or its agets, at its/their ow expese, to brig a lawsuit i your ame agaist a third party. Where a third party is ivolved, a accidet report is required before ay claim paymets ca be made. 30

4. All amouts are show i Caadia dollars. If you have paid a covered expese, you will be reimbursed i Caadia currecy at the prevailig rate of exchage quoted by Royal Bak o the date the last service was redered to you. This isurace will ot pay for ay iterest or ay fluctuatios i the exchage rate. 5. The Isurer, Customer Service Represetatives/Coordiators of Assured Assistace ad the Claims Cetre, Royal Bak ad their agets are ot resposible for the availability, quality or results of medical treatmet or trasportatio, or your failure to obtai medical treatmet. 6. This Certificate of Isurace is the etire cotract betwee you ad the Isurer ad is subject to the Isurace Compaies Act of Caada ad ay goverig provicial statutes cocerig cotracts of accidet isurace. 7. The Isurer may, at its discretio, void this cotract i the case of fraud or attempted fraud by you, or if you coceal or misrepreset ay material fact or circumstace cocerig this isurace cotract. 8. You may oly commece a legal actio i the provice or territory where the Certificate of Isurace was issued. You or your heirs assig coset to the trasfer of ay legal actio to the provice or territory where the Certificate of Isurace was issued. 9. This policy cotais a provisio removig or restrictig the right of the group perso isured to desigate persos to whom or for whose beefit isurace moey is to be payable. 10. O reasoable otice you or a claimat uder the cotract will be provided with a copy of the group cotract. 11. Every actio or proceedig agaist a isurer for the recovery of isurace moey payable uder the cotract is absolutely barred uless commeced withi the time set out i the Isurace Act (for actios or proceedigs govered by the laws of Alberta ad British Columbia), The Isurace Act (for actios or proceedigs govered by the laws of Maitoba), the Limitatios Act, 2002 (for actios or proceedigs govered by the laws of Otario), or i other applicable legislatio i your provice of residece. For those actios or proceedigs govered by the laws of Quebec, the prescriptive period is set out i the Quebec Civil Code. EMERGENCY PURCHASES AND FLIGHT DELAY INSURANCE CERTIFICATE OF INSURANCE IMPORTANT PLEASE READ: This Certificate of Isurace is a valuable source of iformatio ad cotais provisios that may limit or exclude coverage. Please read this Certificate of Isurace, keep it i a safe place ad carry it with you whe you travel. INTRODUCTION RBC Isurace Compay of Caada (the Isurer ) has issued group isurace policy U-1014455-A to Royal Bak of Caada ( Royal Bak ) to cover expeses icurred by covered persos relatig to a Missed Coectio, Delayed Flight Departure or Deied Boardig (as further described below). Aviva Geeral Isurace Compay (the Isurer ) i Quebec ad RBC Isurace Compay of Caada (the Isurer ) i the rest of Caada have issued group isurace policy U-1014456-A to Royal Bak of Caada ( Royal Bak ) to cover expeses icurred by covered persos relatig to emergecy purchases due to lost or stole luggage that has bee checked with a air carrier. All covered persos are cliets of the Isurer. This Certificate of Isurace summarizes the provisios of this group isurace policy. HOW TO OBTAIN ASSISTANCE If you require assistace or have questios about your coverage, you ca cotact Assured Assistace Ic. ( Assured Assistace ) by callig: 1-800-533-2778 toll-free from the US & Caada or 905-816-2581 collect from aywhere i the world. 31

HELPFUL INFORMATION ABOUT EMERGENCY PURCHASES AND FLIGHT DELAY INSURANCE Coverage begis four (4) hours after the occurrece of your Missed Coectio, Delayed Flight, or Deied Boardig, or the arrival of your flight at your destiatio whe your checked luggage is lost or delayed. For Flight Delay isurace, the maximum amout of coverage for reasoable ad ecessary expeses is $500 per day per covered perso to a overall total of $1,000 per occurrece for all covered persos. For Emergecy Purchases isurace, the maximum amout of coverage for reasoable ad ecessary expeses is $750 per occurrece for each covered perso to a maximum of $3,000 per occurrece i aggregate for all covered persos. Remember to obtai a report from the air carrier to substatiate the Missed Coectio, Delayed Flight, Deied Boardig, or loss or delay of your checked luggage. It is importat that you read ad uderstad your Certificate of Isurace as your coverage is subject to certai limitatios or exclusios. DEFINITIONS Throughout this documet, all italicized terms have the specific meaig explaied below. Additioal cardholder meas a co-applicat or a authorized user. Air carrier meas a commercial air service licesed by the airlie authority of the coutry of registratio. Applicat meas a perso who has siged ad/or submitted a applicatio as the primary cardholder for a RBC Avio Visa Ifiite Privilege* card, to whom a card has bee issued, ad i whose ame the card accout is established. A applicat does ot iclude a additioal cardholder. A applicat must be a permaet residet of Caada. Authorized user meas a perso, other tha the applicat ad the co-applicat, to whom a RBC Avio Visa Ifiite Privilege card has bee issued at the request of the applicat or the co-applicat. A authorized user must be a permaet residet of Caada. Covered perso meas the applicat, the applicat s spouse, or the applicat s depedet child who travels with or jois the applicat or the applicat s spouse o the same trip. A additioal cardholder is a covered perso i his/her ow right. A covered perso may be referred to as you or your or yourself. The spouse ad/or depedet child of a additioal cardholder are ot eligible for this isurace. Co-applicat meas a perso who has siged ad/or submitted a applicatio for a RBC Avio Visa Ifiite Privilege card as the co-applicat ad to whom a card has bee issued. A co-applicat must be a permaet residet of Caada. Depedet child meas a umarried, atural, adopted, step or foster child, or legal ward of the applicat who is: uder twety-oe (21) years of age, or uder twety-six (26) years of age if a full-time studet, or metally or physically hadicapped ad icapable of self-sustaiig employmet ad totally reliat o you for support ad maiteace. Emergecy purchases meas the miimum essetial clothig ad toiletries, the purchase of which is redered absolutely ecessary ad idispesable due to the loss or delay of your checked luggage. Permaet residet meas a perso who resides i Caada for at least six (6) moths of the year. However, idividuals otherwise eligible for coverage who are members of the Caadia Foreig Service eed ot satisfy this requiremet. Spouse meas the perso who is legally married to you or has bee livig i a cojugal relatioship with you ad residig i the same household as you for a cotiuous period of at least oe (1) year. 32

PART 1 EMERGENCY PURCHASES INSURANCE WHEN DOES COVERAGE BEGIN AND END? This isurace is effective whe the full cost of your airlie ticket issued by a air carrier is paid with your RBC Avio Visa Ifiite Privilege card ad/or RBC Rewards poits, ad your luggage is checked with that air carrier. If oly a partial paymet is made usig RBC Rewards poits, the etire balace of that airlie ticket must be paid usig your RBC Avio Visa Ifiite Privilege card i order to be covered. Coverage begis for you four (4) hours after the arrival of your flight at the scheduled flight destiatio, whe the luggage you had checked with the air carrier is lost or delayed. Coverage eds, idividually for the applicat ad each additioal cardholder, o the earliest of: 1. The date ad time that your luggage is retured to you; 2. Four (4) days after the arrival of your flight at the scheduled flight destiatio; 3. The date that you arrive at the fial destiatio o the retur portio of your trip; 4. The date your RBC Avio Visa Ifiite Privilege accout is cacelled; 5. The date your RBC Avio Visa Ifiite Privilege accout is sixty (60) days past due; 6. The date the group isurace policies are cacelled by the Isurer or Royal Bak. However, such cacellatio of coverage shall ot apply to travel arragemets charged to your RBC Avio Visa Ifiite Privilege card prior to the cacellatio date of the group isurace policies; 7. The date Royal Bak receives writte otice from you that you choose to cacel your RBC Avio Visa Ifiite Privilege card. WHAT IS COVERED AND WHAT ARE THE BENEFITS? Reimbursemet to you, up to a maximum of $750, for the reasoable ad ecessary expeses you icur with respect to emergecy purchases per ay oe (1) occurrece of the loss or delay of your checked luggage. If there is more tha oe (1) covered perso makig a claim, the maximum payable for all covered persos uder this Certificate of Isurace is $3,000 i aggregate per ay oe (1) occurrece of the loss or delay of your checked luggage. PART 2 FLIGHT DELAY INSURANCE WHEN DOES COVERAGE BEGIN AND END? This isurace is effective whe the full cost of your airlie ticket issued by a air carrier is paid with your RBC Avio Visa Ifiite Privilege card ad/or RBC Rewards poits ad you have checked i with that air carrier. If oly a partial paymet is made usig RBC Rewards poits, the etire balace of that airlie ticket must be paid usig your RBC Avio Visa Ifiite Privilege card i order to be covered. Your coverage begis as follows: Missed Coectio Coverage begis four (4) hours after the air carrier s aircraft has arrived at your coectig poit for your oward coectig flight whe, due to the delay of your icomig flight, you miss a cofirmed oward coectig flight; ad o alterative oward trasportatio is made available to you by the air carrier withi four (4) hours of the scheduled departure time of the oward coectig flight. Delayed Flight Departure Coverage begis four (4) hours after the scheduled departure time of your cofirmed scheduled flight, which was delayed, whe o alterative trasportatio is made available to you by the air carrier withi four (4) hours of the scheduled departure time of your origial flight. 33

Deied Boardig Coverage begis four (4) hours after you have bee deied boardig of the aircraft due to overbookig o your cofirmed scheduled flight, whe o alterative trasportatio is made available to you by the air carrier withi four (4) hours of the scheduled departure time of your origial flight. Coverage eds, idividually for the applicat ad each additioal cardholder, o the earliest of: 1. Forty-eight (48) hours after the arrival of your flight at the scheduled flight destiatio; 2. The date that you arrive at the fial destiatio o the retur portio of your trip; 3. The date your RBC Avio Visa Ifiite Privilege accout is cacelled; 4. The date your RBC Avio Visa Ifiite Privilege accout is 60 days past due; 5. The date the group isurace policy is cacelled by the Isurer or Royal Bak. However, such cacellatio of coverage shall ot apply to travel arragemets charged to your RBC Avio Visa Ifiite Privilege card prior to the cacellatio date of the group isurace policy; 6. The date Royal Bak receives writte otice from you that you choose to cacel your RBC Avio Visa Ifiite Privilege card. WHAT IS COVERED AND WHAT ARE THE BENEFITS? Reimbursemet to you, up to a maximum of $500 per day, for the reasoable ad ecessary expeses you icur as a result of a Missed Coectio, Deied Boardig or Delayed Flight Departure. Reasoable ad ecessary expeses iclude hotel accommodatio, restaurat meals, refreshmets, emergecy purchases ad other sudry items (such as a magazie, paperback book ad other such small items) for a maximum of forty-eight (48) hours or util reasoable alterative trasportatio is made available. This beefit is subject to a overall maximum of $1,000 per ay oe (1) occurrece of Missed Coectio, Deied Boardig ad Delayed Flight Departure. If there is more tha oe (1) covered perso makig a claim, the maximum payable for all covered persos uder this certificate is $1,000 i the aggregate per ay oe (1) occurrece of Missed Coectio, Deied Boardig ad Delayed Flight Departure. PART 3 EMERGENCY PURCHASES AND FLIGHT DELAY INSURANCE WHAT IS NOT COVERED? GENERAL EXCLUSIONS The Isurer will ot pay for ay expeses icurred directly or idirectly as a result of: 1. Ay emergecy purchases made after your luggage was retured to you; 2. Ay losses icurred at the fial destiatio of the retur portio of your trip; 3. Your failure to check your luggage withi the miimum guidelies published by the air carrier; 4. The isufficiet allotmet of time for coectig flights accordig to air carrier recommedatios; 5. A act of foreig eemies or rebellio, volutarily ad kowigly exposig yourself to risk from a act of war (declared or ot) or volutarily participatig i a riot or civil disorder; 6. Your committig or attemptig to commit a crimial offece; 7. Your beig deied boardig by immigratio officials or other authorities; 8. Your iebriated state. 34

WHAT SHOULD YOU DO IF YOU HAVE A CLAIM? If you call Assured Assistace at the time of the loss as show uder How to Obtai Assistace, you will receive the ecessary claims assistace. If you do ot call Assured Assistace, you must otify the Claims Cetre of your claim withi thirty (30) days of the date of the loss. Note: A legal guardia must complete the claim process o behalf of a covered perso uder the age of eightee (18) i Quebec or uder the age of sixtee (16) for the rest of Caada. For your claim to be reviewed, you must submit the followig origial documetatio: Airlie tickets; Your RBC Visa statemet ad/or itemized receipt showig that the airlie ticket was paid i full usig your RBC Avio Visa Ifiite Privilege card ad/or RBC Rewards poits; The air carrier s report substatiatig the reaso for your Missed Coectio, Delayed Flight Departure, Deied Boardig, or loss or delay of your checked luggage; Receipts for hotel accommodatio, restaurat meals, refreshmets, emergecy purchases ad other sudry items. Submissio of claims from all provices must be made to the Claims Cetre: RBC Isurace Compay of Caada Claims Cetre PO Box 97, Statio A Mississauga, ON L5A 2Y9 1-800-464-3211 You must submit the iformatio required for your claim withi iety (90) days of the date of the loss. If it is ot reasoably possible to provide such iformatio withi iety (90) days, you must do so withi oe (1) year of the date of the loss or your claim will ot be reviewed. OTHER CLAIM INFORMATION You may oly commece a legal actio i the provice or territory where the Certificate of Isurace was issued. You or your heirs assig coset to the trasfer of ay legal actio to the provice or territory where the Certificate of Isurace was issued. WHAT OTHER TERMS SHOULD YOU KNOW ABOUT? 1. This isurace is classified as supplemetal or excess, i that it covers expeses i excess of expeses payable by ay other isurace pla. 2. If you are eligible, from ay other isurer, for beefits similar to the beefits provided uder this isurace, the total beefits paid to you by all isurers caot exceed the actual expese that you have icurred. We will coordiate the paymet of beefits with all isurers from whom you are eligible for beefits similar to those provided uder this isurace, to a maximum of the largest amout specified by each isurer. 3. If you icur expeses covered uder this isurace due to the fault ad/or egligece of a third party, the Isurer may take actio agaist the third party. You agree to cooperate fully with the Isurer or its agets ad to allow the Isurer or its agets, at its/their ow expese, to brig a lawsuit i your ame agaist a third party. 4. All amouts are show i Caadia dollars. If you have paid a covered expese, you will be reimbursed i Caadia currecy at the prevailig rate of exchage quoted by Royal Bak o the date the last service was redered to you. This isurace will ot pay for ay iterest or ay fluctuatios i the exchage rate. 5. The Isurer may, at its discretio, void this isurace cotract i the case of fraud or attempted fraud by you, or if you coceal or misrepreset ay material fact or circumstace cocerig this isurace cotract. 6. This policy cotais a provisio removig or restrictig the right of the group perso isured to desigate persos to whom or for whose beefit isurace moey is to be payable. 35

7. O reasoable otice you or a claimat uder the cotract will be provided with a copy of the group cotract. 8. Every actio or proceedig agaist a isurer for the recovery of isurace moey payable uder the cotract is absolutely barred uless commeced withi the time set out i the Isurace Act (for actios or proceedigs govered by the laws of Alberta ad British Columbia), The Isurace Act (for actios or proceedigs govered by the laws of Maitoba), the Limitatios Act, 2002 (for actios or proceedigs govered by the laws of Otario), or i other applicable legislatio i your provice of residece. For those actios or proceedigs govered by the laws of Quebec, the prescriptive period is set out i the Quebec Civil Code. HOTEL/MOTEL BURGLARY INSURANCE CERTIFICATE OF INSURANCE IMPORTANT PLEASE READ: This Certificate of Isurace is a valuable source of iformatio ad cotais provisios that may limit or exclude coverage. Please read this Certificate of Isurace, keep it i a safe place ad carry it with you whe you travel. INTRODUCTION Aviva Geeral Isurace Compay (the Isurer ) i Quebec ad RBC Isurace Compay of Caada (the Isurer ) i the rest of Caada have issued group isurace policy U-1014454-A to Royal Bak of Caada ( Royal Bak ) to cover expeses icurred by covered persos relatig to a hotel/motel burglary. All covered persos are cliets of the Isurer. This Certificate of Isurace summarizes the provisios of this group isurace policy. HOW TO OBTAIN ASSISTANCE If you require assistace or have ay questios about your coverage, you ca cotact Assured Assistace Ic. ( Assured Assistace ) by callig: 1-800-533-2778 toll-free from the US & Caada or 905-816-2581 collect from aywhere i the world. HELPFUL INFORMATION ABOUT HOTEL/MOTEL BURGLARY INSURANCE The maximum reimbursemet uder this isurace for the repair or replacemet of your persoal property that is lost or damaged due to a burglary is $3,000 per occurrece i the aggregate. The burglary must be as a result of wrogful etry, idicated by visible sigs of force ito your hotel room, motel room or cruise cabi. This isurace is classified as supplemetal, i that it covers expeses i excess of expeses payable by ay other isurace pla. It is importat that you read ad uderstad your Certificate of Isurace as your coverage is subject to certai limitatios or exclusios. DEFINITIONS Throughout this documet, all italicized terms have the specific meaig explaied below. Additioal cardholder meas a co-applicat or a authorized user. Applicat meas a perso who has siged ad/or submitted a applicatio as the primary cardholder for a RBC Avio Visa Ifiite Privilege card, to whom a card has bee issued, ad i whose ame the card accout is established. A applicat does ot iclude a additioal cardholder. A applicat must be a permaet residet of Caada. Authorized user meas a perso, other tha the applicat ad the co-applicat, to whom a RBC Avio Visa Ifiite Privilege card has bee issued at the request of the applicat or the co-applicat. A authorized user must be a permaet residet of Caada. 36

Burglary meas the loss of or damage to your persoal property as a result of wrogful etry ito your hotel room, motel room, or cruise cabi for which there are visible sigs of force made by tools, explosives, electricity or chemicals. Co-applicat meas a perso who has siged ad/or submitted a applicatio for a RBC Avio Visa Ifiite Privilege card as the co-applicat, ad to whom a card has bee issued. A co-applicat must be a permaet residet of Caada. Covered perso meas the applicat, the applicat s spouse, or the applicat s depedet child who travels with or jois the applicat or the applicat s spouse o the same trip. A additioal cardholder is a covered perso i his/her ow right. A covered perso may be referred to as you or your or yourself. The spouse ad/or depedet child of a additioal cardholder are ot eligible for this isurace. Depedet child meas a umarried, atural, adopted, step, or foster child, or legal ward of the applicat, who is: uder twety-oe (21) years of age, or uder twety-six (26) years of age if a full-time studet, or metally or physically hadicapped ad icapable of self-sustaiig employmet ad totally reliat o you for support ad maiteace. Permaet residet meas a perso who resides i Caada for at least six (6) moths of the year. However, idividuals otherwise eligible for coverage who are members of the Caadia Foreig Service eed ot satisfy this requiremet. Spouse meas the perso who is legally married to you or has bee livig i a cojugal relatioship with you ad residig i the same household as you for a cotiuous period of at least oe (1) year. WHEN DOES COVERAGE BEGIN AND END? Coverage begis at the actual time you check ito your hotel room, motel room, or cruise cabi, provided that your hotel room, motel room, or cruise cabi is paid with your RBC Avio Visa Ifiite Privilege card ad/or RBC Rewards poits. If oly a partial paymet is made usig RBC Rewards poits, the etire balace of that hotel room, motel room, or cruise cabi must be paid usig your RBC Avio Visa Ifiite Privilege card i order to be covered. Coverage eds, idividually for the applicat ad each additioal cardholder, o the earliest of: 1. The time you check out from your hotel room, motel room, or cruise cabi; or 2. The date your RBC Avio Visa Ifiite Privilege accout is cacelled; or 3. The date your RBC Avio Visa Ifiite Privilege accout is sixty (60) days past due; or 4. The date the group isurace policy is cacelled by the Isurer or Royal Bak. However, such cacellatio of coverage shall ot apply to a burglary occurrig prior to the cacellatio date of the group isurace policy; or 5. The date Royal Bak receives writte otice from you that you choose to cacel your RBC Avio Visa Ifiite Privilege card. WHAT IS COVERED AND WHAT ARE THE BENEFITS? Reimbursemet to you, up to a maximum of $3,000 per burglary occurrece, for the damage to or the loss of your persoal property resultig from the burglary of your hotel room, motel room, or cruise cabi whe you are a registered guest. If there is more tha oe (1) covered perso makig a claim, the maximum payable for all covered persos uder this Certificate of Isurace is $3,000 i the aggregate per ay oe (1) burglary occurrece. We will pay the lesser of the followig amouts: 1. $3,000 i the aggregate per burglary occurrece. 2. The actual replacemet value of your persoal property at the time of burglary. 3. The amout for which your persoal property could be replaced with property of like kid ad quality if a idetical replacemet caot reasoably be obtaied. 4. The amout for which your persoal property could be repaired to its coditio prior to the burglary. 37

WHAT IS NOT COVERED? GENERAL EXCLUSIONS The Isurer will ot pay for ay expeses icurred directly or idirectly as a result of: 1. The loss of cash or traveller s cheques. 2. Your failure to take reasoable precautios to safeguard your persoal property or to secure your hotel room, motel room, or cruise cabi. 3. A act of foreig eemies or rebellio, volutarily ad kowigly exposig yourself to risk from a act of war (declared or ot) or volutarily participatig i a riot or civil disorder. 4. Your committig or attemptig to commit a crimial offece. 5. Burglary of your retal property. WHAT SHOULD YOU DO IF YOU HAVE A CLAIM? If you call Assured Assistace at the time of the loss as show uder How to Obtai Assistace you will receive the ecessary claims assistace. If you do ot call Assured Assistace, you must otify the Claims Cetre of your claim withi thirty (30) days of the date of the burglary. (Note: A legal guardia must complete the claim process o behalf of a covered perso uder the age of eightee (18) i Quebec or uder the age of sixtee (16) for the rest of Caada). For your claim to be reviewed, you must submit the followig origial documetatio: Charge slip for the hotel room, motel room or cruise cabi; Your RBC Visa statemet ad/or receipt showig that the hotel room, motel room or cruise cabi was paid i full usig your card ad/or RBC Rewards poits; A police report that cofirms the burglary; The hotel, motel or cruise compay s burglary report; ad Receipts for the repair or replacemet of your persoal property. Submissio of claims from all provices must be made to the Claims Cetre: RBC Isurace Compay of Caada Claims Cetre PO Box 97, Statio A Mississauga, ON L5A 2Y9 1-800-464-3211 You must submit the iformatio required for your claim withi iety (90) days of the date of the burglary. If it is ot reasoably possible to provide such iformatio withi iety (90) days, you must do so withi oe (1) year of the date of the burglary or your claim will ot be reviewed. OTHER CLAIM INFORMATION You may oly commece a legal actio i the provice or territory where the Certificate of Isurace was issued. You or your heirs assig coset to the trasfer of ay legal actio to the provice or territory where the Certificate of Isurace was issued. WHAT OTHER TERMS SHOULD YOU KNOW ABOUT? 1. This isurace is classified as supplemetal or excess, i that it covers expeses i excess of expeses payable by ay other isurace pla. 2. If you are eligible, from ay other isurer, for beefits similar to the beefits provided uder this isurace, the total beefits paid to you by all isurers caot exceed the actual expese that you have icurred. We will coordiate the paymet of beefits with all isurers from whom you are eligible for beefits similar to those provided uder this isurace, to a maximum of the largest amout specified by each isurer. 38

3. If you icur expeses covered uder this isurace due to the fault ad/or egligece of a third party, the Isurer may take actio agaist the third party. You agree to cooperate fully with the Isurer or its agets ad to allow the Isurer or its agets, at its/their ow expese, to brig a lawsuit i your ame agaist a third party. 4. All amouts are show i Caadia dollars. If you have paid a covered expese, you will be reimbursed i Caadia currecy at the prevailig rate of exchage quoted by Royal Bak o the date the last service was redered to you. This isurace will ot pay for ay iterest or ay fluctuatios i the exchage rate. 5. The Isurer may, at its discretio, void this isurace cotract i the case of fraud or attempted fraud by you, or if you coceal or misrepreset ay material fact or circumstace cocerig this isurace cotract. 6. O reasoable otice you or a claimat uder the cotract will be provided with a copy of the group cotract. 7. Every actio or proceedig agaist a isurer for the recovery of isurace moey payable uder the cotract is absolutely barred uless commeced withi the time set out i the Isurace Act (for actios or proceedigs govered by the laws of Alberta ad British Columbia), The Isurace Act (for actios or proceedigs govered by the laws of Maitoba), the Limitatios Act, 2002 (for actios or proceedigs govered by the laws of Otario), or i other applicable legislatio i your provice of residece. For those actios or proceedigs govered by the laws of Quebec, the prescriptive period is set out i the Quebec Civil Code. LOST OR STOLEN BAGGAGE INSURANCE CERTIFICATE OF INSURANCE IMPORTANT PLEASE READ: This Certificate of Isurace is a valuable source of iformatio ad cotais provisios that may limit or exclude coverage. Please read this Certificate of Isurace, keep it i a safe place ad carry it with you whe you travel. INTRODUCTION Aviva Geeral Isurace Compay (the isurer ) i Quebec ad RBC Isurace Compay of Caada (the Isurer ) i the rest of Caada has issued group isurace policy F2006466A to Royal Bak of Caada ( Royal Bak ) to cover expeses icurred by Covered Persos relatig to Lost or Stole Baggage. All covered persos are cliets of the Isurer. This Certificate of Isurace summarizes the provisios of the group isurace policy. HOW TO OBTAIN ASSISTANCE If you require assistace or have ay questios about your coverage, you ca cotact Assured Assistace Ic. ( Assured Assistace ) by callig: 1-866-774-2878 toll-free from the US & Caada or 905-816-2584 collect from aywhere i the world. HELPFUL INFORMATION The maximum payable for ay oe occurrece is up to $2500 for all covered persos combied. Of the $2500, jewellery is limited to $500 per occurrece ad golf clubs, icludig golf bags, are limited to $500 per occurrece We require the fully completed Claim & Authorizatio form, ad where applicable, poof of loss/damage/theft (copies of reports made to the authorities), proof of owership, ad receipts for the items claimed. 39

DEFINITIONS Throughout this documet, all italicized terms have the specific meaig explaied below. Additioal cardholder meas a co-applicat or a authorized user. Air carrier meas a commercial air service licesed by the airlie authority of the coutry of registratio. Applicat meas a perso who has siged ad/or submitted a applicatio as the primary cardholder for a RBC Avio Visa Ifiite Privilege, to whom a card has bee issued, ad i whose ame the card accout is established. A applicat does ot iclude a additioal cardholder. A applicat must be a permaet residet of Caada. Authorized user meas a perso, other tha the applicat ad the co-applicat, to whom a RBC Avio Visa Ifiite Privilege has bee issued at the request of the applicat or the co-applicat. A authorized User must be a permaet residet of Caada. Covered perso meas the applicat, the applicat s spouse, or the applicat s depedet child who travels with or jois the applicat or the applicat s spouse o the same trip. A additioal cardholder is a covered perso i his/her ow right. A covered perso may be referred to as you or your or yourself. The spouse ad/or depedet child of a additioal cardholder are ot eligible for this isurace. Co-applicat meas a perso who has siged ad/or submitted a applicatio for a RBC Avio Visa Ifiite Privilege as the co-applicat ad to whom a card has bee issued. A co-applicat must be a permaet residet of Caada. Depedet child meas a umarried, atural, adopted, step or foster child, or legal ward of the applicat who is: uder twety-oe (21) years of age, or uder twety-six (26) years of age if a full-time studet, or metally or physically hadicapped ad icapable of self-sustaiig employmet ad totally reliat o you for support ad maiteace. Occurrece a loss or losses arisig from a sigle evet or icidet which is either expected or iteded by a covered perso. Permaet residet meas a perso who resides i Caada for at least six (6) moths of the year. However, idividuals otherwise eligible for coverage who are members of the Caadia Foreig Service eed ot satisfy this requiremet. Spouse meas the perso who is legally married to you or has bee livig i a cojugal relatioship with you ad residig i the same household as you for a cotiuous period of at least oe (1) year. Trip mea travel outside your Caadia provice or territory of residece. We, us ad our refer to RBC Isurace Compay of Caada or Aviva Geeral Isurace Compay (the Isurer). You, yourself ad your refer to the covered perso. WHEN DOES COVERAGE BEGIN AND END? This isurace coverage is effective whe the full cost of your airlie ticket issued by a air carrier is paid with your RBC Avio Visa Ifiite Privilege ad/or RBC Rewards poits ad your luggage is checked or carried o board with that air carrier. If oly a partial paymet is made usig RBC Rewards poits, the etire balace of that airlie ticket must be paid usig your RBC Avio Visa Ifiite Privilege i order to be covered. Coverage begis whe the luggage you had checked or carried o board with the air carrier is lost, damaged or stole. Coverage eds idividually for the applicat ad each additioal cardholder, o the earliest of: 1. Whe such checked-i baggage has bee uloaded ad placed i the airport termial s baggage pick-up area for retrieval by the covered perso ad for carry o baggage whe the covered perso leaves the aircraft; 40

2. The date your RBC Avio Visa Ifiite Privilege accout is cacelled; 3. The date your RBC Avio Visa Ifiite Privilege accout is sixty (60) days past due; 4. The date the group isurace policies are cacelled by the Isurer or Royal Bak, however, such cacellatio of coverage shall ot apply to travel arragemets charged to your RBC Avio Visa Ifiite Privilege prior to the cacellatio date of the group isurace policies; 5. The date Royal Bak receives writte otice from you that you choose to cacel your RBC Avio Visa Ifiite Privilege. 6. The date you retur to your provice, territory or coutry of residece. WHAT IS COVERED AND WHAT ARE THE BENEFITS? We will pay the covered perso for loss or damage to owed baggage ad persoal effects used for the persoal use of the covered perso while i trasit as checked-i baggage or carried o board the air carrier whe the full cost of the airlie ticket is paid with your RBC Avio Visa Ifiite Privilege. The maximum payable for ay oe occurrece is up to $2,500 for all covered persos combied. Of the $2,500 limit of coverage, jewellery is limited to o more tha $500 per occurrece ad o more tha $500 per occurrece will apply to golf clubs, icludig golf bags. GENERAL EXCLUSIONS This isurace does ot cover ay loss, claim or expese of ay kid caused directly or idirectly from: 1. Aimals, perishables, bicycles except while checked as baggage with a commo carrier, household effects ad furishigs, artificial teeth ad limbs, hearig aids, eye glasses, suglasses, cotact leses, moey, tickets, securities ad documets, professioal or occupatioal items, atiques ad collector items, breakage of or damage to brittle or fragile articles, property illegally acquired, kept, stored or trasported. 2. Cash, securities, bullio, egotiable property, tickets ad valuable papers ad documets; 3. Ay illegal activity, fraud, or crimial activity, committed by or attempted by a covered perso; 4. Loss or damage as a result of ay act of war, whether declared or udeclared, hostile or war like actio, isurrectio, rebellio, revolutio, civil war, usurped power, or actio take by govermet or public authority i hiderig, combatig or defedig agaist such actio; 5. Loss or damage as a result of terrorism, meaig ay ideologically motivated ulawful act or acts, icludig but ot limited to the use of violece or force or threat of violece or force, committed by or o behalf of ay group(s), orgaizatio(s) or govermet(s) for the purpose of ifluecig ay govermet ad/or istillig fear i the public or a sectio of the public; 6. Loss or damage as a result of uclear reactio, uclear radiatio, or radioactive cotamiatio, ay weapo of war employig atomic fissio or a radioactive force. WHAT SHOULD YOU DO IF YOU HAVE A CLAIM? If you call Assured Assistace at the time of the loss as show uder How to Obtai Assistace, you will receive the ecessary claims assistace. If you do ot call Assured Assistace, you must otify the Claims Cetre of your claim withi thirty (30) days of the date of the loss. (Note: A legal guardia must complete the claim process o behalf of a covered perso uder the age of eightee (18) i Quebec or uder the age of sixtee (16) for the rest of Caada). For your claim to be reviewed, you must submit the followig origial documetatio: Airlie tickets; Your RBC Visa statemet ad/or itemized receipt showig that the airlie ticket was paid i full usig your RBC Avio Visa Ifiite Privilege card ad/or RBC Rewards poits; A copy of the lost or damaged baggage report filed with the air carrier which icludes the completed claim form itemizig the baggage s cotets 41

Proof of settlemet from the covered perso s persoal isurace compay; Proof of settlemet from the air carrier. Estimate of repair (for damaged baggage/cotets). If ot repairable, a ote from the repair facility statig same. Itemized origial receipts for replacemet items (if ot repairable). Submissio of claims from all provices must be made to the Claims Cetre: RBC Isurace Compay of Caada Claims Cetre PO Box 97, Statio A Mississauga, ON L5A 2Y9 1-866-426-7494 You must submit the iformatio required for your claim withi iety (90) days of the date of the loss. If it is ot reasoably possible to provide such iformatio withi iety (90) days, you must do so withi oe (1) year of the date of the loss or your claim will ot be reviewed. OTHER CLAIM INFORMATION You may oly commece a legal actio i the provice or territory where the Certificate of Isurace was issued. You or your heirs assig coset to the trasfer of ay legal actio to the provice or territory where the Certificate of Isurace was issued. WHAT OTHER TERMS SHOULD YOU KNOW ABOUT? 1. This coverage is excess isurace ad we are the last payors. All other sources of recovery, idemity paymets or isurace coverage must be exhausted before ay paymets will be made uder this coverage. 2. If you are eligible, from ay other isurer, for beefits similar to the beefits provided uder this isurace, the total beefits paid to you by all isurers caot exceed the actual expese that you have icurred. We will coordiate the paymet of beefits with all isurers from whom you are eligible for beefits similar to those provided uder this isurace, to a maximum of the largest amout specified by each isurer. 3. If you icur expeses covered uder this isurace due to the fault of a third party, we may take actio agaist the party at fault. You agree to cooperate fully with us ad to allow us, at our ow expese, to brig a law suit i your ame agaist the third party. If you recover agaist a third party, you agree to hold i trust sufficiet fuds to reimburse us for the amouts paid uder the isurace. 4. Ay iformatio that has bee misrepreseted, or misstated to us by you or is icomplete may result i this Certificate of Isurace ad your coverage beig ull ad void, i which case o beefits will be paid. 5. Ay claim for loss or damage covered uder this Certificate of Isurace will be adjusted ad paid whe satisfactory proof of the loss or damage is provided to us. You must give proof of loss ad values of the items lost or damaged to us. All beefits will be paid to the covered perso. 6. We will ot pay more tha the lesser of the followig amouts: a. The actual replacemet cost of the property at the time of loss or damage; b. The amout for which the property could be replaced with property of like kid ad quality if a idetical replacemet caot reasoably be obtaied; c. The actual cash value of the item at the time of loss should it ot be replaced; d. The amout for which the property could be repaired to its coditio prior to the damage; e. The maximum beefit applicable uder this Certificate of Isurace. 7. All paymets shall be payable i the lawful currecy of Caada. All beefit limits idicated are i Caadia currecy. This isurace will ot pay for ay iterest or ay fluctuatios i the exchage rate. 42

8. No legal actio for a claim ca be brought agaist us more tha oe (1) year after the time for givig proof of loss, or such loger period as may be prescribed by law. 9. This policy cotais a provisio removig or restrictig the right of the group perso isured to desigate persos to whom or for whose beefit isurace moey is to be payable. 10. O reasoable otice you or a claimat uder the cotract will be provided with a copy of the group cotract. 11. Every actio or proceedig agaist a isurer for the recovery of isurace moey payable uder the cotract is absolutely barred uless commeced withi the time set out i the Isurace Act (for actios or proceedigs govered by the laws of Alberta ad British Columbia), The Isurace Act (for actios or proceedigs govered by the laws of Maitoba), the Limitatios Act, 2002 (for actios or proceedigs govered by the laws of Otario), or i other applicable legislatio i your provice of residece. For those actios or proceedigs govered by the laws of Quebec, the prescriptive period is set out i the Quebec Civil Code. PURCHASE SECURITY & EXTENDED WARRANTY CERTIFICATE OF INSURANCE IMPORTANT PLEASE READ: This Certificate of Isurace is a valuable source of iformatio ad cotais provisios that may limit or exclude coverage. Please read this Certificate of Isurace ad keep it i a safe place. INTRODUCTION Aviva Geeral Isurace Compay (the Isurer ) i Quebec ad RBC Isurace Compay of Caada (the Isurer ) i the rest of Caada have issued group isurace policy U 1014457-A to Royal Bak of Caada ( Royal Bak ) to cover expeses icurred by covered persos relatig to Purchase Security & Exteded Warraty. All covered persos are cliets of the Isurer. This Certificate of Isurace summarizes the provisios of this group isurace policy. HOW TO OBTAIN ASSISTANCE If you require assistace or have questios about your coverage, you ca cotact Assured Assistace Ic. ( Assured Assistace ) by callig: 1-800-533-2778 toll-free from the US & Caada or 905-816-2581 collect from aywhere i the world. HELPFUL INFORMATION ABOUT PURCHASE SECURITY & EXTENDED WARRANTY INSURANCE Purchase Security Isurace provides coverage for direct accidetal physical loss or damage to persoal property or gifts purchased o your RBC Avio Visa Ifiite Privilege card ad/or with RBC Rewards poits for oe hudred ad twety (120) days from the date of purchase. The maximum amout of coverage is $50,000, or the equivalet umber of RBC Rewards poits, per RBC Avio Visa Ifiite Privilege card per year. Exteded Warraty Isurace automatically triples the origial maufacturer s warraty up to a maximum of two (2) years. Remember to obtai a police, fire, homeower isurace claim, or damage/loss report i the evet of a claim as it is required to determie eligibility for beefits. This isurace is classified as supplemetal, i that it covers expeses i excess of expeses payable by ay other isurace pla. For example, if you are covered uder homeowers isurace, this isurace will cover the deductible oly. It is importat that you read ad uderstad your Certificate of Isurace as your coverage is subject to certai limitatios or exclusios. 43

DEFINITIONS Throughout this documet, all italicized terms have the specific meaig explaied below. Additioal cardholder meas a co-applicat or a authorized user. Applicat meas a perso who has siged ad/or submitted a applicatio as the primary cardholder for a RBC Avio Visa Ifiite Privilege card, to whom a card has bee issued ad i whose ame the card accout is established. A applicat does ot iclude a additioal cardholder. A applicat must be a permaet residet of Caada. Authorized user meas a perso, other tha the applicat ad the co-applicat, to whom a RBC Avio Visa Ifiite Privilege card has bee issued at the request of the applicat or the co-applicat. A authorized user must be a permaet residet of Caada. Co-applicat meas a perso who has siged ad/or submitted a applicatio for a RBC Avio Visa Ifiite Privilege card as the co-applicat ad to whom a card has bee issued. A co-applicat must be a permaet residet of Caada. Covered perso meas the applicat or additioal cardholder. A covered perso may be referred to as you or your or yourself. The family members of a applicat or additioal cardholder are ot eligible for this isurace. Family member meas your spouse, paret, step-paret, gradparet, gradchild, i-law, atural or adopted child, step-child, brother, sister, step-brother step-sister, legal guardia, or legal ward. Gift meas tagible moveable property for the persoal use of your family member. Mysterious disappearace meas the disappearace of persoal property or a gift i a uexplaied maer. Permaet residet meas a perso who resides i Caada for at least six (6) moths of the year. However, idividuals otherwise eligible for coverage who are members of the Caadia Foreig Service eed ot satisfy this requiremet. Persoal property meas tagible, moveable property for your persoal use. Spouse meas the perso who is legally married to you, or has bee livig i a cojugal relatioship with you ad residig i the same household as you for a cotiuous period of at least oe (1) year. WHEN DOES COVERAGE BEGIN AND END? These coverages are effective whe you use your RBC Avio Visa Ifiite Privilege card ad/or RBC Rewards poits to purchase ad pay i full for persoal property or gift(s). If the persoal property or gift(s) are delivered to you or a family member, they must be received by you or the family member i good coditio. If oly a partial paymet is made usig RBC Rewards poits, the etire balace of the persoal property or gift must be paid usig your RBC Avio Visa Ifiite Privilege card i order to be covered. Coverage eds, idividually for the applicat ad each additioal cardholder, o the earliest of: 1. The date your RBC Avio Visa Ifiite Privilege accout is cacelled; or 2. The date your RBC Avio Visa Ifiite Privilege accout is sixty (60) days past due; or 3. The date the group isurace policy is cacelled by the Isurer or Royal Bak. However, such cacellatio of coverage shall ot apply to persoal property or gifts charged to your RBC Avio Visa Ifiite Privilege card prior to the cacellatio date of the group isurace policy; or 4. The date Royal Bak receives writte otice from you that you choose to cacel your RBC Avio Visa Ifiite Privilege card. WHAT IS COVERED AND WHAT ARE THE BENEFITS? PURCHASE SECURITY INSURANCE Persoal property ad gifts purchased usig your RBC Avio Visa Ifiite Privilege card ad/or RBC Rewards poits are isured agaist all risks of direct accidetal physical loss or damage for oe hudred ad twety (120) days from the date of purchase. 44

You are isured for loss or damage i a amout ot exceedig the amout show o your RBC Avio Visa Ifiite Privilege sales draft. If you have purchased ad paid for persoal property ad/or gifts usig RBC Rewards poits, you are isured for the amout of RBC Rewards poits you redeemed to pay for your purchase. The maximum amout of coverage is $50,000 (or the equivalet umber of RBC Rewards poits) per RBC Avio Visa Ifiite Privilege accout for each year, idividually for the applicat ad each additioal cardholder. EXTENDED WARRANTY INSURANCE Exteded Warraty Isurace automatically triples the origial maufacturer s warraty, up to a maximum extesio of two (2) years. Your Exteded Warraty Isurace starts immediately followig the expiry of the origial maufacturer s warraty, but i o evet shall the combied Exteded Warraty ad origial maufacturer s warraty exceed five (5) years. If you have a claim uder this Certificate of Isurace, it will be reviewed accordig to the origial maufacturer s warraty, which will outlie all terms ad coditios relatig to your persoal property or gift. The terms, coditios ad exclusios of this Certificate of Isurace will gover i case of a coflict. Items covered by Exteded Warraty Isurace must have bee purchased usig your RBC Avio Visa Ifiite Privilege card ad/or RBC Rewards poits. Persoal property ad gifts are icluded. The purchases ca be made aywhere i the world. The origial warraty must be valid i Caada. I the evet your origial maufacturer s warraty is o loger available due to the bakruptcy of the maufacturer, this isurace will provide coverage i place of the origial maufacturer s warraty. Ay warraty coverage provided by RBC shall be for a maximum period of two (2) years. WHAT IS NOT COVERED? PERSONAL PROPERTY AND GIFT EXCLUSIONS The Isurer will ot pay for ay expeses icurred directly or idirectly relatig to: 1. Livig plats, aimals, fish, or birds. 2. Moey, travellers cheques, bullio, stamps, tickets, tokes, evidece of title or ay other egotiable item (icludig but ot limited to gift cards ad gift certificates). 3. Jewellery, gems, watches ad furs or garmets trimmed with fur, if cotaied i baggage, uless such baggage is had carried at all times by you, your travellig compaio, or family member. 4. Automobiles, watercraft, amphibious or air cushio vehicles, aircraft, spacecraft, trailers or outboard motors ad other accessories attached to or mouted o such property or ay motorized vehicles except motorized lawmowers, other gardeig equipmet, sowblowers or motorized wheelchairs for hadicapped persos. 5. Property illegally acquired, kept, stored or trasported, or property seized or cofiscated for breach of ay law or by order of ay public authority. 6. Ay ad all busiess property ad equipmet iteded for commercial use. GENERAL EXCLUSIONS The Isurer will ot pay for ay expeses icurred directly or idirectly as a result of: 1. Mysterious disappearace of persoal property or gifts, or fraudulet acts by you or your family members. 2. After a item is received i good coditio, ay wear ad tear, gradual deterioratio, latet defect or iheret vice, marrig or scratchig of ay fragile or brittle article. 3. Weather coditios ad ay atural disaster, icludig flood or earthquake. 4. A act of foreig eemies or rebellio, volutarily ad kowigly exposig yourself to risk from a act of war (declared or ot) or volutarily participatig i a riot or civil disorder. 5. Loss or damage resultig from itetioal or crimial acts committed or attempted to be committed by you or your family members. 45

6. Loss or damage caused by birds, vermi, rodets or isects. 7. Loss or damage to sports equipmet ad goods where the loss or damage is due to the use thereof. 8. Settig, expasio, cotractio, bulgig, bucklig or crackig, dampess or dryess of atmosphere, chages of temperature, freezig, heatig, evaporatio, loss of weight, leakage of cotets, exposure to light, cotamiatio, chage i color or texture or fiish, rust or corrosio. 9. Delay, loss of use, or cosequetial damages. 10. Loss or damage to electrical appliaces or devices of ay kid (icludig wirig) whe loss or damage is due to electrical currets artificially geerated, icludig arcig, uless fire or explosio esues ad the oly for such loss ad damage. 11. Loss or damage while udergoig ay istallatio process or while beig worked o, where damage results from such istallatio process or work. WHAT SHOULD YOU DO IF YOU HAVE A CLAIM? If you call Assured Assistace at the time of the loss as show uder How to Obtai Assistace, you will receive the ecessary claims assistace. If you do ot call Assured Assistace, you must otify the Claims Cetre of your claim withi thirty (30) days of the date of the loss. Note: A legal guardia must complete the claim process o behalf of a covered perso uder the age of eightee (18) i Quebec or uder the age of sixtee (16) i the rest of Caada. For your claim to be reviewed, you must submit the followig origial documetatio: The Isurer s claim form cotaiig the time, place, cause ad amout of the loss or damage; A copy of the origial merchat s sales receipt; Your RBC Visa statemet ad/or receipt showig that the persoal property or gift was paid i full usig your RBC Avio Visa Ifiite Privilege card ad/or RBC Rewards poits; The origial maufacturer s warraty (for Exteded Warraty Isurace claims oly). Depedig o the ature of the claim, the Isurer will require you to obtai, at the time of the loss or damage, a police, fire, homeower isurace claim or damage/loss report or ay other report of the damage/loss sufficiet to determie eligibility for beefits uder this isurace. Whe a isured item forms part of a pair or set, the Isurer will reimburse the full purchase price of the pair or set provided that the items are uusable idividually ad caot be replaced idividually. Uder Exteded Warraty Isurace, prior to proceedig with ay repair services, you must otify the Isurer ad obtai approval of the repair services ad the repair facility from the Isurer. For both Purchase Security ad Exteded Warraty Isurace, at the sole discretio of the Isurer, you may be required to sed, at your expese, the damaged item o which a claim is based, to a address desigated by the Isurers. Submissio of claims from all provices must be made to the Claims Cetre: RBC Isurace Compay of Caada Claims Cetre PO Box 97, Statio A Mississauga, ON L5A 2Y9 1-800-464-3211 You must submit the iformatio required for your claim withi iety (90) days of the date of the loss or damage. If it is ot reasoably possible to provide such iformatio withi iety (90) days, you must do so withi oe (1) year of the date of the loss or damage or your claim will ot be reviewed. 46

OTHER CLAIM INFORMATION You may oly commece a legal actio i the provice or territory where the Certificate of Isurace was issued. You or your heirs assig coset to the trasfer of ay legal actio to the provice or territory where the Certificate of Isurace was issued. WHAT OTHER TERMS SHOULD YOU KNOW ABOUT? 1. This isurace is classified as supplemetal or excess, i that it covers expeses i excess of expeses payable by ay other isurace pla. 2. If you icur expeses covered uder this isurace due to the fault ad/or egligece of a third party, the Isurer may take actio agaist the third party. You agree to cooperate fully with the Isurer or its agets ad to allow the Isurer or its agets, at its/their ow expese, to brig a lawsuit i your ame agaist a third party. 3. All amouts are show i Caadia dollars. If you have paid a covered expese, you will be reimbursed i Caadia currecy at the prevailig rate of exchage quoted by Royal Bak o the date the last service was redered to you. This isurace will ot pay for ay iterest or ay fluctuatios i the exchage rate. 4. The Isurer may, at its discretio, void this isurace cotract i the case of fraud or attempted fraud by you, or if you coceal or misrepreset ay material fact or circumstace cocerig this isurace cotract. 5. The Isurer maitais the right to salvage ay items beig replaced icludig all attachmets ad accessories. 6. You must repay the Isurer ay amout paid or authorized by the Isurer o your behalf if ad whe the Isurer determies that the amout is ot payable uder the terms of this isurace. 7. The Isurer will ot be liable for more tha the purchase price of the isured item(s) as recorded o the RBC Avio Visa Ifiite Privilege sales draft. If you have purchased ad paid for persoal property ad/or gifts usig RBC Rewards poits, the Isurer will ot be liable for more tha the amout of RBC Rewards poits you redeemed to pay for your purchase. The Isurer has the sole optio to replace or repair the isured item or reimburse you. 8. A limit of $10,000 per item applies to jewellery, gems, watches ad furs or garmets trimmed with fur, if these items are cosidered payable uder the terms ad coditios of this Certificate of Isurace. 9. This protectio shall oly beefit you. No other perso or etity shall have ay right, remedy or claim, legal or equitable, to the beefits. You shall ot assig these beefits without prior writte approval of the Isurer. The Isurer will permit you to trasfer beefits o gifts as provided i this pla descriptio ad the Certificate of Isurace. 10. O reasoable otice you or a claimat uder the cotract will be provided with a copy of the group cotract. 11. Every actio or proceedig agaist a isurer for the recovery of isurace moey payable uder the cotract is absolutely barred uless commeced withi the time set out i the Isurace Act (for actios or proceedigs govered by the laws of Alberta ad British Columbia), The Isurace Act (for actios or proceedigs govered by the laws of Maitoba), the Limitatios Act, 2002 (for actios or proceedigs govered by the laws of Otario), or i other applicable legislatio i your provice of residece. For those actios or proceedigs govered by the laws of Quebec, the prescriptive period is set out i the Quebec Civil Code. COLLECTION AND USE OF PERSONAL INFORMATION COLLECTING YOUR PERSONAL INFORMATION We (RBC Isurace Compay of Caada) may collect iformatio about you such as: iformatio establishig your idetity (for example, ame, address, phoe umber, date of birth, etc.) ad your persoal backgroud; 47

iformatio you provide through the applicatio ad claims process for ay of our isurace products ad services; ad iformatio for the provisio of isurace products ad services. We may collect iformatio from you, either directly or through our represetatives. We may collect ad cofirm this iformatio durig the course of our relatioship. We may also obtai this iformatio from a variety of sources icludig hospitals, doctors ad other health care providers, the govermet (icludig govermet health isurace plas) ad govermetal agecies, other isurace compaies, travel suppliers, law eforcemet authorities, private ivestigators, your family ad frieds, ad ay refereces you provide. USING YOUR PERSONAL INFORMATION This iformatio may be used for the followig purposes: to verify your idetity ad ivestigate your persoal backgroud; to issue ad maitai isurace products ad services you may request; to evaluate isurace risk, maage ad coordiate claims, re-price medical expeses ad egotiate paymet of claims expeses; to better uderstad your isurace situatio; to determie your eligibility for isurace products ad services we offer; to help us better uderstad the curret ad future eeds of our cliets; to commuicate to you ay beefit, feature ad other iformatio about products ad services you have with us; to help us better maage our busiess ad your relatioship with us; ad as required or permitted by law. For these purposes, we may make this iformatio available to our employees, our agets, service providers ad other third parties, who are required to maitai the cofidetiality of this iformatio. I the evet our service provider is located outside of Caada, the service provider is boud by, ad the iformatio may be disclosed i accordace with, the laws of the jurisdictio i which the service provider is located. Third parties may iclude other isurace compaies, other fiacial istitutios, health orgaizatios ad the govermet (icludig govermet health isurace plas) ad govermetal agecies Upo your request, we may give this iformatio to other persos. We may also use this iformatio ad share it with RBC compaies (i) to maage our risks ad operatios ad those of RBC compaies, (ii) to comply with valid requests for iformatio about you from regulators, govermet agecies, public bodies or other etities who have a right to issue such requests, ad (iii) to let RBC compaies kow your choices uder Other uses of your persoal iformatio for the sole purpose of hoourig your choices. OTHER USES OF YOUR PERSONAL INFORMATION We may use this iformatio to promote our isurace products ad services, ad promote products ad services of third parties we select, which may be of iterest to you. We may commuicate with you through various chaels, icludig telephoe, computer or mail, usig the cotact iformatio you have provided. We may also, where ot prohibited by law, share this iformatio with RBC compaies for the purpose of referrig you to them or promotig to you products ad services which may be of iterest to you. We ad RBC compaies may commuicate with you through various chaels, icludig telephoe, computer or mail, usig the cotact iformatio you have provided. You ackowledge that as a result of such sharig they may advise us of those products or services provided. 48

If you also deal with RBC compaies, we may, where ot prohibited by law, cosolidate this iformatio with iformatio they have about you to allow us ad ay of them to maage your relatioship with RBC compaies ad our busiess. You uderstad that we ad RBC compaies are separate, affiliated corporatios. RBC compaies iclude our affiliates which are egaged i the busiess of providig ay oe or more of the followig services to the public: deposits, loas ad other persoal fiacial services; credit, charge ad paymet card services; trust ad custodial services; securities ad brokerage services; ad isurace services. You may choose ot to have this iformatio shared or used for ay of these Other uses by cotactig us as set out below, ad i this evet, you will ot be refused isurace products or services just for that reaso. We will respect your choices ad, as metioed above, we may share your choices with RBC compaies for the sole purpose of hoourig your choices regardig Other uses of your persoal iformatio. YOUR RIGHT TO ACCESS YOUR PERSONAL INFORMATION You may obtai access to the iformatio we hold about you at ay time ad review its cotet ad accuracy, ad have it ameded as appropriate; however, access may be restricted as permitted or required by law. To request access to such iformatio, to ask questios about our privacy policies or to request that the iformatio ot be used for ay or all of the purposes outlied i Other uses of your persoal iformatio you may do so ow or at ay time i the future by cotactig us at: RBC Isurace Compay of Caada P.O. Box 97, Statio A Mississauga, Otario L5A 2Y9 Phoe: 1-866-863-6970 Fax: 905-813-4701 OUR PRIVACY POLICIES You may obtai more iformatio about our privacy policies by askig for a copy of our Fiacial fraud prevetio ad privacy protectio brochure, by callig us at the toll free umber show above or by visitig our web site at www.rbc.com/privacysecurity. 49

/ TM Trademark(s) of Royal Bak of Caada. RBC ad Royal Bak are registered trademarks of Royal Bak of Caada. All other trademarks are the property of their respective ower(s). VPS95797 106069 (09/2016)

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