Important updates. Service fee and account changes Personal Banking Effective June 1, 2018

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Reynold Harvey
6 years ago
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1 Important updates Service fee and account changes Personal Banking Effective June 1, 2018

2 NEW enhancements at RBC available to all banking clients Easy money management with the RBC Mobile app NOMI helps you manage your everyday finances by providing timely and personalized insights based on your spending and saving habits. Learn more at Automatically deposit with Interac e-transfer Autodeposit funds can be deposited directly into your account without having to answer a security question. It s a fast, convenient and secure way to receive money. Visit rbc.com/autodeposit to learn more. Save on shopping, travel, dining and more with RBC Offers sign in to RBC Online Banking to check out the latest offers.

3 Service fee and account changes Personal Banking Current New effective June 1, 2018 Third-party payment Free Plus applicable Debit Transaction fee for the following accounts: RBC Day to Day Banking RBC Student Banking RBC Leo s Young Savers Account (Payments in CDN funds to other RBC Royal Bank customers through Online Banking) Overdraft Protection, optional $4.00 per month plus applicable Overdraft Interest Paper statement with cheque images $2.00 per Monthly Cycle Free with Seniors Rebate Drafts, all currencies $7.50 each Stop payment through Online Banking (Self-Serve) $10.00 each at an RBC Royal Bank branch or through Telephone Banking with the assistance of an RBC representative (Assisted) $20.00 each Over-the-counter cheques $2.00 each Fee charged when the cheque clears the Account Third-party payment Free No longer counted against the number of Debit Transactions included per Monthly Cycle with the following accounts: RBC Day to Day Banking RBC Student Banking RBC Leo s Young Savers Account Note: There is no change to our savings accounts. Third-party payments are free, plus the applicable Debit Transaction fee. Overdraft Protection, optional $5.00 per month plus applicable Overdraft Interest Paper statement with cheque images $2.50 per Monthly Cycle Free with Seniors Rebate Drafts, all currencies $8.50 each Stop payment through Online Banking (Self- Serve) $12.50 each at an RBC Royal Bank branch or through Telephone Banking with the assistance of an RBC representative (Assisted) $25.00 each Over-the-counter cheques Will no longer be provided for any account Note: The $2.00 fee for any existing over-the-counter cheques will continue to apply to existing applicable accounts.

Current New effective June 1, 2018 RBC VIP Banking (VIP Operating Account) Discount on 1 safe deposit box rental $45.00 annually Discount on 1 safe deposit box rental $60.

4 Current New effective June 1, 2018 RBC VIP Banking (VIP Operating Account) Discount on 1 safe deposit box rental $45.00 annually Discount on 1 safe deposit box rental $60.00 annually Safe Deposit Box Rentals Starting at $45.00 annually, plus applicable taxes Small $45.00 Medium $65.00 Med-Large $ Large $ XL $ Starting at $60.00 annually, plus applicable taxes Small $60.00 Medium $90.00 Med-Large $ Large $ XL $ Changes to other services that may impact you: Outgoing wire payments within Canada or to other countries (most currencies). In-branch (in person) starting at $45.00 each 1

Save time with convenient and secure banking options RBC Online Banking * stay up to date. Check balances, schedule bill payments, view your transaction history and track your spending 24/7.

5 Save time with convenient and secure banking options RBC Online Banking * stay up to date. Check balances, schedule bill payments, view your transaction history and track your spending 24/7. RBC Mobile app * bank on the go. Pay a bill, check balances, send money, deposit a cheque and more all from your mobile phone. Award Winning Mobile Banking App The RBC Mobile app was awarded the Highest in Customer Satisfaction Among Canadian Mobile Banking Apps in the J.D. Power 2017 Canadian Mobile Banking App Satisfaction Study. 2 Helpful Tip: Switch to convenient estatements to access your statements anytime in RBC Online Banking. With RBC estatements, you can view seven years of historical statements and cheque images. It s secure, convenient, and it cuts down on paper clutter!

6 Some of these changes may not apply to you. We value your business and if you have questions regarding these changes, or you would like to review your current personal banking requirements to make sure you have the right combination of services to meet your needs, we would be happy to discuss the options that are right for you. Should these changes no longer meet your needs, you have the option to close your account or cancel your contract without cost, penalty or cancellation indemnity by notifying us no later than July 2, 2018 and by paying any balance you may owe us. If you use an account or have funds on deposit in the account after the effective date (June 1, 2018) it will mean you have agreed to the change. For more information: Visit Call us at ROYAL 1-1 ( ) Visit us at any RBC Royal Bank branch, Business Banking Centre or your Private Banking Centre Note: Fees shown apply to both Canadian and U.S. dollar accounts, unless otherwise noted. U.S. fees are payable in U.S. currency. Taxes are extra where applicable. / Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada. All other trademarks are property of their respective owner(s). * RBC Mobile is operated by Royal Bank of Canada, RBC Direct Investing Inc. and RBC Dominion Securities Inc. RBC Online Banking is operated by Royal Bank of Canada. 1 All fees are payable in Canadian dollars regardless of the currency of the payment, unless otherwise stated. Additional fees and charges may be deducted from the payment amount by the receiving financial institution and/or intermediaries. Fees and charges may vary for wire payment services in other channels such as RBC Express online banking. 2 Canadian Mobile Banking: RBC Royal Bank received the highest numerical score among Mobile Banking Apps in the J.D. Power 2017 Canadian Banking App Satisfaction Study, based on 1,602 total responses from 5 companies in the segment measuring experiences and perceptions of customers, surveyed April-May Your experiences may vary. Visit jdpower.com (02/2018)

Settle in faster with RBC Newcomer Advantage. Banking made easy for newcomers to Canada

Settle in faster with RBC Newcomer Advantage Banking made easy for newcomers to Canada 1 RBC Royal Bank Banking made easy 2 10newcomers to Canada We know how important it is to choose the right banking