BENEFITS GUIDE. RBC Pharmaprix Optimum MasterCard. Earn Pharmaprix Optimum Points Everywhere.

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1 BENEFITS GUIDE RBC Pharmaprix Optimum MasterCard Earn Pharmaprix Optimum Points Everywhere.

2 Shop anywhere. Earn everywhere. Thank you for choosing the RBC Pharmaprix Optimum MasterCard. It gives you the purchasing power, flexibility and security you expect in a credit card, plus the ability to earn Pharmprix Optimum Points every time you make a purchase using your card. All with NO annual fee. Quick Card Overview Pharmaprix Optimum Points Earned At Pharmaprix 15 points for every $1 in purchases using your card Everywhere Else 5 points for every $1 in purchases using your card Annual Fee $0 Insurance Coverage Additional Benefits n Purchase Security insurance 1 n Extended Warranty insurance 1 n Zero Liability protection against unauthorized use of your card n Chip & PIN technology for enhanced security n MasterCard PayPass pay with a simple tap of your card Don t forget! Important steps for new cardholders: 1. Activate your card. 2. View your Benefits Guide online at pharmaprix.ca/rbccreditcardinfo. If you have any questions about your card, please call us at ROYAL 1-2 ( ).

3 Earning Pharmaprix Optimum Points is easy. When you use your RBC Pharmaprix Optimum MasterCard at Pharmaprix stores, you can earn up to 15 Pharmaprix Optimum Points for every $1 in eligible purchases**. Use your credit card every day, for all kinds of purchases including pre-authorized bill payments, 15,000 Pharmprix Optimum Bonus Points with your first purchase * and you can earn points on practically all your shopping. 15 Pharmaprix Optimum Points for every $1 in purchases using your RBC Pharmaprix Optimum MasterCard at Pharmaprix stores plus 10 additional points for every $1 in eligible purchases if you also use your Pharmaprix Optimum Card**. TM Transportation Groceries 5 Pharmaprix Optimum Points for every $1 in purchases using your RBC Pharmaprix Optimum MasterCard everywhere else. Restaurants Shopping

4 Redeeming Pharmaprix Optimum Points is easier. Each month, the Pharmaprix Optimum Points you earn using your RBC Pharmaprix Optimum MasterCard will appear on your credit card statement. Plus, you can track your points total any time at optimum. Then decide what you want to redeem your points ~ for: n Dream large. Save your Pharmaprix Optimum Points for bigger items from elegant fragrances to video game consoles. n Get it now! Use your Pharmaprix Optimum Points to pick up items at the checkout as soon as you reach the minimum Pharmaprix Optimum Points requirement. It s like getting cash off your purchases! Best of all, redeem your Pharmaprix Optimum Points instantly. Just tell the Pharmaprix cashier it s that easy!

5 Security and Protection Purchase Security and Extended Warranty Insurance 1 Purchases made with your RBC Pharmaprix Optimum MasterCard card are automatically protected against loss, theft or damage for up to 90 days from the date of purchase. The coverage also doubles the manufacturer s original Canadian warranty for up to one extra year. Please keep your receipts in the event you need to make a claim, and refer to the Certificate of Insurance for complete details regarding this coverage. Zero Liability Protection against unauthorized use of your card in person or online is absolutely essential. Zero Liability protects you from fraudulent charges, provided you have taken reasonable precautions to protect your PIN and your card, as set out in your RBC Royal Bank Credit Card Agreement. Chip & PIN security The state-of-the-art chip & PIN technology embedded in your RBC Pharmaprix Optimum MasterCard helps protect you against counterfeiting and fraud and makes an already safe payment system even more secure. Tap and Go with PayPass When speed is essential, MasterCard PayPass is like having exact change wherever you go. A simple tap of your card is all it takes to pay at the checkout.

6 Get more with additional cardholders Add a co-applicant* or authorized user(s) to your account and enjoy the following benefits: n Earn Pharmaprix Optimum Points faster by consolidating all your spending on one account. n All cardholders are protected by the same insurance coverages. n Choose to assign pre-set credit limits to each authorized user ideal for cardholders who want to give family members limited access to funds in case of an emergency. n See transactions by card number on one monthly statement. Call us at or visit your nearest RBC Royal Bank branch to add a co-applicant or authorized user(s) today. Enjoy all the advantages of your credit card n Worldwide acceptance n Access to cash advances n Credit card cheques n Commission-free travellers cheques n Time-saving autopayment service n RBC Royal Bank Online Banking n estatements n Emergency card replacement For a complete description of all your RBC Pharmaprix Optimum MasterCard benefits, please visit us online at pharmaprix.ca/rbccreditcardinfo.

7 Arrange pre-authorized payments the easy way with CustomSwitch The RBC CustomSwitch service helps you notify merchants of any updated card information or with transferring existing pre-authorized payments to your RBC Pharmaprix Optimum MasterCard. All at no additional cost. Plus, you ll earn Pharmaprix Optimum Points on all your pre-authorized bill payments. To set up CustomSwitch or for more information: n Go to OR n Call the CustomSwitch hotline: / Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada. Pharmaprix, Pharmaprix Optimum and Pharmaprix Optimum Points are registered trademarks of Alberta Ltd., used under licence. All other trademarks are the property of their respective owner(s). If you are not currently a member of the Pharmaprix Optimum Program ( Member ), you will be enrolled automatically once you are approved for the RBC Pharmaprix Optimum MasterCard. Thereafter, you will earn i) 15 Shoppers/Pharmaprix Optimum Points for every $1 (CDN) in net purchases made with your credit card at any Shoppers Drug Mart/Pharmaprix store location ( Pharmaprix Location ), excluding those made at Canada Post outlets located within any Pharmaprix Location, and ii) 5 Shoppers/ Pharmaprix Optimum Points ( Points ) for every $1 (CDN) in net purchases made with your credit card everywhere else (including pre-authorized bill payments and net purchases made at Canada Post outlets located within any Pharmaprix Location), provided your credit card account and Pharmaprix Optimum Program ( Program ) membership are in good standing. Only one Member can be associated with a credit card account, which means that Points earned by all cardholders on the credit card account will be credited to the primary s Pharmaprix Optimum account, even if the co-applicant and/or authorized user(s) are also Members. Points are not earned on Cash Advances (i.e. RBC Royal Bank credit card cheques, balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges, fees or unauthorized transactions. Credits for returns and adjustments will reduce or cancel the Points earned by the amounts originally charged. Other conditions and restrictions apply. For complete details, visit All terms, conditions and restrictions applicable to the Program are established solely by Shoppers Drug Mart Inc. and govern your participation in the Program. They are available at 1 Coverage underwritten by RBC General Insurance Company in the Province of Quebec and by RBC Insurance Company of Canada in the rest of Canada. All insurance is subject to limitations and conditions. You will receive a Certificate of Insurance with complete details regarding the insurance coverage on your RBC Shoppers/Pharmaprix MasterCard. Cash advances, including cash withdrawals from an ATM and credit card cheques, can be made up to your available credit and daily limits. There is no interest-free period for cash advances, which means that interest is charged from the day the cash advance is made until we receive your payment for the total amount you owe. Cash advance fees may apply depending on the type of cash advance. Please refer to your RBC Royal Bank Credit Card Agreement for more details. * The co-applicant is fully responsible, with you, for all amounts owing on the account, including for transactions made by authorized users, if any. ~ All redemptions of Pharmaprix Optimum Points must be made through Pharmaprix in accordance with the terms and conditions of the Pharmaprix Optimum Program. All terms, conditions and restrictions applicable to the Pharmaprix Optimum Program are established by Pharmaprix and are available at Pharmaprix, not Royal Bank of Canada, is responsible for the Shoppers Optimum Program. * The bonus Pharmaprix Optimum Points will appear on your first monthly statement, but it will take up to two (2) business days following the end of your monthly statement period before they get credited to your Pharmaprix Optimum account. Additional cardholders are not eligible for this welcome bonus offer. ** The Pharmaprix Optimum Points earned with the Pharmaprix Optimum Card are separate from those earned with the RBC Pharmaprix Optimum MasterCard and are exclusively governed by the Pharmaprix Optimum Program terms and conditions. Any RBC Pharmaprix Optimum MasterCard cardholder who is also a member of the Pharmaprix Optimum Program can earn 10 Shoppers/Pharmaprix Optimum Points for every $1 (CDN) in eligible net purchases at Shoppers Drug Mart/Pharmaprix store locations, provided they pay with their RBC Pharmaprix Optimum MasterCard and present their valid Pharmaprix Optimum Card when paying. The Pharmaprix Optimum Points will be credited directly to the Pharmaprix Optimum account of the cardholder. For complete Pharmaprix Optimum Program terms and conditions, including eligible purchases and exclusions, visit

8 Important information RBC Royal Bank Customer Service Card inquiries and information In Canada/U.S.: ROYAL 1-2 ( ) Outside Canada/U.S., call collect: Lost or stolen cards, 24 hours/7 days In Canada/U.S.: ROYAL 1-2 ( ) International: (Access code) 800 ROYAL (Access code) ( ) Collect: If you prefer not to have telephone access to your account information, please call ROYAL 1-2 ( ) to disable this service. Pharmaprix Optimum Program Tel: For all of your important credit card numbers in a convenient wallet-sized card, please visit VPS (09/2012)