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Get a Quick Recommendation Monthly Debits Needed 12 or less Unlimited Credit Card Fee Rebate Included Yes No U.S. Debits Included Yes No Compare All Account Features Chequing Accounts That Match Criteria no value THE ESSENTIALS UNLIMITED DEBITS & MORE UNLIMITED DEBITS & EVEN MORE ALL-INCLUSIVE --> RBC Day to Day Banking --> RBC Day to Day Banking $4 monthly feelegal bug 1 Open Now for RBC Day to Day Banking RBC Advantage Banking --> RBC Advantage Banking $11.95 monthly feelegal bug 1 Open Now for RBC Advantage Banking RBC Signature No Limit Banking --> RBC Signature No Limit Banking $16.95 monthly feelegal bug 1 Open Now for RBC Signature No Limit Banking RBC VIP Banking --> RBC VIP Banking $30 monthly feelegal bug 1 Open Now for RBC VIP Banking RBC Day to Day Banking --> RBC Day to Day Banking $4 monthly feelegal bug 1 Open Now for RBC Day to Day Banking RBC Advantage Banking --> RBC Advantage Banking $11.95 monthly feelegal bug 1 Open Now for RBC Advantage Banking RBC Signature No Limit Banking --> RBC Signature No Limit Banking $16.95 monthly feelegal bug 1 Open Now for RBC Signature No Limit Banking RBC VIP Banking --> RBC VIP Banking $30 monthly feelegal bug 1 Open Now for RBC VIP Banking NO MONTHLY FEE FOR 1 YEARlegal bug 35 Get Apple Watchlegal bug 34 Get Apple Watchlegal bug 34 Right Account Guarantee® Includedlegal bug 2 Avion Points Minimum of 1 Avion point for every $10 spent on debitlegal bug 3 (when you enrol eligible account in the Value Program) Minimum Balance Required None Interac e-Transfer Transactionslegal bug 4,legal bug 5 FREE Debit Transactions 12/month, plus unlimited free debits for eligible public transit legal bug 6 ($1.25 each thereafter) Unlimited in Canada Unlimited in Canada Unlimited worldwidelegal bug 26 Fee to Use Non-RBC Interac ATM in Canada $2 eachlegal bug 7 No feelegal bug 7 3 waived/monthlegal bug 8 ($2 each thereafter) No feelegal bug 7,legal bug 9 Cross-Border Debitslegal bug 10 $1 each $1 each 5/month ($1 each thereafter) FREE Eligible Credit Card Annual Fee Rebate — —(Up to $48 rebate for studentslegal bug 11) Up to $48 rebatelegal bug 12 Up to $120 rebatelegal bug 13 Annual Fee Rebate (Up to $39 rebate for studentslegal bug 11) --> Additional Accounts with Waived Transaction Fees and Unlimited Debit Transactions — — — Up to 2 Canadian

Bonus.Legal Disclaimer52To participate in this offer, you must have an RBC debit or credit card which is issued by Royal Bank of Canada (excluding RBC commercial credit cards) (“Eligible RBC Card”). You must be enrolled in RBC Online Banking in order to link your Eligible RBC Card to your Petro-Points card. Card linking may take up to 2 business days to process before savings and bonus points can be applied to purchases. Each time you use your linked Eligible RBC Card to purchase any grade of gasoline, including diesel, at a retail Petro-Canada location, you will save three cents ($0.03) per litre at the time of the transaction.Legal Disclaimer53Petro-Canada and Petro-Points are trademarks of Suncor Energy Inc. Used under licence. All other trademarks are the property of their respective owner(s).Legal Disclaimer54The annual contribution limit is $5,500. This limit will rise along with inflation in future years, in $500 increments. In addition, you can carry forward unused contribution room indefinitely. Previous contribution limits were $5,500 for 2016 and 2017, $10,000 for 2015, $5,500 for 2013 and 2014, and $5,000 for the years 2009 to 2012. Your TFSA contribution limit is tracked by the Canada Revenue Agency (CRA); if you are unsure of your limit, please check with the CRA.Legal Disclaimer57To participate in this offer as an RBC business client, you must have an RBC client card or credit card issued by Royal Bank of Canada (excluding RBC Commercial Avion, RBC Commercial U.S. Dollar Visa, RBC Commercial Cash Back Visa, and RBC Commercial Visa) (“Eligible RBC Card”). When you participate in the Linked Loyalty Program as an RBC business client, you will only be able to link up to two (2) eligible business RBC credit cards and one RBC client card to a Petro-Points account. You must be enrolled in RBC Online

Deposit, a monthly pre-authorized payment, or a bill payment made at minimum once per month. Conditions apply. For complete details, please see the Value Program Terms & Conditions. --> By enrolling an eligible RBC personal bank account into the RBC Value Program, holding eligible additional RBC products (“Product Categories”, as more particularly described below), and completing certain activities from your enrolled account each month (as more particularly described below), you may be entitled to receive a partial or full rebate of your enrolled account’s standard Monthly Fee. Eligible Product Categories include RBC personal credit cards, personal investments, residential mortgages, and linked small business relationships. Multiple products in a single Product Category will be considered one Product Category. In addition to having eligible Product Categories, you must also perform any two (2) or more of the following specified account activities in the previous calendar month to or from your enrolled account: a monthly direct deposit, a monthly pre-authorized payment, or an eligible bill payment made at minimum once per month. An eligible bill payment means a bill payment completed through either RBC Online Banking, the RBC Mobile app, using an RBC ATM, or using Telephone Banking Services, and excludes any bill payment made: (i) in-person at an RBC Royal Bank branch with an RBC Advisor, (ii) to an RBC credit card account, or (iii) using an RBC Virtual Visa Debit® associated with your Enrolled Account. Conditions apply. For complete details, please see the Value Program Terms & Conditions. Legal Bug 17) RBC Advantage Banking for students allows eligible full-time students to receive a full waiver of the standard Monthly Fee applicable to our RBC Advantage Banking account. Please refer to the section labelled “Rebates and Discounts: RBC Advantage Banking for students” in the document entitled “Addendum to April 30, 2020 Personal Deposit Accounts Disclosures and Agreements”, which provides information specific to the RBC Advantage Banking account to supplement the information provided in the Personal Deposit Accounts Disclosures and Agreements document. --> RBC Advantage Banking for students allows eligible full-time students to receive a full waiver of the standard Monthly Fee applicable to our RBC Advantage Banking account. Please refer to the section labelled “Rebates, Fee Waivers and Discounts: RBC Advantage Banking for students” in the document entitled “Personal Deposit Accounts (PDA) Disclosures and Agreements”, which provides information specific to the RBC Advantage Banking account to supplement the information provided in the

U.S. Dollar Visa Gold, RBC British Airways Visa Infinite, RBC Cathay Pacific Visa Platinum, RBC Cash Back Preferred World Elite Mastercard and WestJet RBC World Elite Mastercard.Legal Disclaimer21RBC VIP Banking account comes with a choice of up to two additional Canadian dollar deposit accounts, to be selected among the RBC Day to Day Banking, RBC Enhanced Savings and RBC Day to Day Savings accounts, and one additional U.S dollar deposit account, limited to the U.S. Personal Account, with the monthly fees waived. Note: Due to system limitations all accounts must be opened by the client in the same geographic location or region to be recognized for this bundling feature. If you have questions, please speak to your branch.Legal Disclaimer22Open an eligible business deposit account for your first business in Canada and receive a $50 bonus which will be credited to your new business deposit account within 90 days. Eligible business deposit accounts include: RBC Digital Choice Business account package, RBC Flex Choice Business account package and RBC Ultimate Choice account package. This offer is only available to Small Businesses registered in Canada by newcomers who have been in Canada for 5 years or less. This offer cannot be combined with any other offer. The account must remain open for at least 6 months from the date it was opened. If the account is closed within 6 months, Royal Bank of Canada reserves the right to recover the full cash credit. RBC can amend or withdraw this offer at any time without notice.Legal Disclaimer23Must be enrolled in RBC Online Banking or the RBC Mobile app and have either a Canadian RBC Royal Bank chequing or savings account. Some restrictions may apply. Cannot send funds from a US dollar account, or the RBC High Interest eSavings account.Legal Disclaimer25RBC Mobile is operated by

Credit card remains in good standing and you remain a VIP account owner. Only one credit card annual fee rebate per VIP account is allowed, which means that if you own a joint VIP account and each co-owner is also the primary cardholder of an eligible credit card, only the primary owner of the VIP account will be entitled to the credit card annual fee rebate. Other conditions and restrictions apply. Rebates that apply to eligible credit cards are: (i) partial rebate of $120 for the primary cardholder and $50 for the co-applicant on the annual fee of an RBC Avion Visa Infinite Privilege card, and (ii) annual fee fully rebated for the primary cardholder and the additional cardholders (co-applicant and authorized users) on any of the following cards: RBC Avion Visa Infinite, RBC Avion Visa Platinum, RBC Rewards Visa Preferred, RBC U.S. Dollar Visa Gold, RBC British Airways Visa Infinite, RBC Cathay Pacific Visa Platinum, RBC ION+TM Visa ($4 applied monthly), RBC Cash Back Preferred World Elite Mastercard and WestJet RBC World Elite Mastercard. Legal Bug 14) RBC VIP Banking account comes with a choice of up to two additional Canadian dollar deposit accounts, to be selected among the RBC Day to Day Banking, RBC Enhanced Savings and RBC Day to Day Savings accounts, and one additional U.S. dollar deposit account, limited to the U.S. Personal Account, with the monthly fees waived and unlimited debit transactions. Note: Due to system limitations all accounts must be opened by the client in the same geographic location or region to be recognized for this bundling feature. If you have questions, please speak to your branch. Legal Bug 15) By enrolling an eligible RBC personal bank account into the RBC Value Program, holding eligible additional RBC products (“Product Categories”, as more particularly described below), and completing certain activities from your enrolled account each month (as more particularly described below), you may be entitled to receive a partial or full rebate of your enrolled account’s standard Monthly Fee. Eligible Product Categories include RBC personal credit cards, personal investments, residential mortgages, and linked small business relationships. Multiple products in a single Product Category will be considered one Product Category. In addition to having eligible Product Categories, you must also perform any two (2) or more of the following specified account activities in the previous calendar month to or from your enrolled account: a monthly direct