Key Benefits for Canadians Studying in the U.S.

RBC Bank, Equal Housing Lender Member FDIC.

RBC Bank is RBC Bank (Georgia), National Association (“RBC Bank”), a wholly owned U.S. banking subsidiary of Royal Bank of Canada. RBC Bank is a member of the U.S. Federal Deposit Insurance Corporation (“FDIC”). U.S. deposit accounts are insured by the FDIC up to the maximum amount permissible by law. U.S. deposit accounts are not insured by the Canada Deposit Insurance Corporation (“CDIC”). U.S. banking products and services are offered and provided by RBC Bank. Canadian banking products and services are offered and provided by Royal Bank of Canada. All deposit accounts, loans and lines of credit are approved by RBC Bank. RBC Bank - 8081 Arco Corporate Dr, Suite 400. Raleigh, NC 27617. www.rbcbank.com

Standard account charges may apply. Maximum transaction limits may apply and are subject to change. Availability of the money will depend on the time when it is sent from Royal Bank of Canada or RBC Bank. Transaction may not appear on your RBC Bank account transaction history until the following day but will reflect the date of transfer.

There is no fee associated with accessing these ATMs but standard account charges and transaction limitations will apply. If you access ATMs other than those identified in our ATM locator (www.rbcbank.com/atms) fees may apply. During the process, you will be notified of the fee and will be required to accept the fee if you desire to complete the transaction. For fee information, refer to the Personal Schedule of Fees for details.

The RBC Bank Premium Cross-Border Bundle for Students (“the Bundle”) offer is available for new RBC Bank U.S. student clients or existing RBC Royal Bank student clients. To be eligible for the $50 Bundle refund, the client must be age of majority in their province or territory of residence and a new RBC Bank client, defined as an individual who has not been a primary or secondary accountholder on any RBC Bank (U.S.) checking account in the 18 months prior to the Bundle open date (“Eligible Personal Client“). To qualify, the Eligible Personal Client must open a new RBC Bank Premium Checking account (annual fee $99.50) and apply for any RBC Bank U.S. credit card using promo code “STU2021P” by October 31^st, 2023. The RBC Bank Premium Checking account and credit card application must be submitted on the same day and have the same accountholder(s) on both accounts. Credit card applicants under age 21 must submit independent means of income or the student applicant can still qualify with a co-signer who is over age 21 and has the ability to pay the debt and qualifies. RBC Bank Premium Checking account must be funded according to the Personal Schedule of Fees. All other checking account fees apply. Offer cannot be combined with any other RBC Bank offers. Offer is available for a limited time only and can be modified or withdrawn at any time. Offer fulfillment: On account opening, RBC Bank will refund $50 USD. Credit will be made to the eligible client’s RBC Bank Premium Checking account within 30 days of account opening provided their account is in good standing at the time the individual refund is applied. Only one offer per Eligible Personal Client.

All loans and lines of credit are subject to approval. Additional credit card transaction fees will apply as follows: Balance Transfers - Either $10 or 3% of the amount of each transfer, whichever is greater (after the end of the introductory period, the maximum fee is $99). The Balance Transfer fee has no maximum during the introductory period (first 6 monthly billing cycles); thereafter, this fee will be a maximum of $99 per Balance Transfer. Cash Advances - Either $5 or 3.5% of the amount of each Cash Advance, whichever is greater. Foreign Transaction Fee - 1.5% of the U.S. Dollar amount of the foreign transaction if the transaction is conducted in foreign currency. Platinum: 3% of the U.S. dollar amount of the transaction if the transaction is conducted in a foreign currency. Late Payment Fee - up to $35. Returned Payment Fee - up to $35. Annual Fee Visa Signature Black Plus - $75. Annual Percentage Rate is Prime Rate plus a margin between 9.99% and 16.74% for Visa Platinum and Visa Signature Accounts based on your credit worthiness. This APR will vary with the market based on the Prime Rate. Prime Rate: As published in the Wall Street Journal; current rate is 7.75% as of February 2, 2023.

Prime Rate: As published in the Wall Street Journal; current rate is 7.75% as of February 2, 2023.

While there are no foreign transaction fees for purchases in the U.S. or in USD, there are foreign transaction fees for purchases conducted in foreign currency. RBC Bank Foreign Transactions: RBC Bank Signature Black/Signature Black Plus credit cards: 1.5% of the U.S. dollar amount of the transaction if the transaction is conducted in a foreign currency. RBC Bank Platinum Rewards/Platinum Rewards Plus credit cards: 3% of the U.S. dollar amount of the transaction if the transaction is conducted in a foreign currency.

Refer to the RBC Rewards Program Rules and Conditions provided with your card for details. Rewards Points are not earned on balance transfers and cash advances.

1.00% cash back from the RBC Bank Visa Signature Black/Visa Platinum Rewards credit cards and 1.25% cash back from the RBC Bank Visa Signature Black Plus credit card can only be redeemed with RBC Rewards Points.

You must enroll as an RBC Bank (U.S.) client to take advantage of these exclusive offers. These offers are subject to their respective terms and conditions which can be accessed upon enrollment. Offers are subject to change and can be withdrawn at any time. Cross-Border Offers & Perks – RBC Bank . These companies are not affiliated with RBC Bank and RBC Bank is not responsible for the offers provided by each company or their respective terms and conditions.

Subject to the maximum extent permitted by law. Amount of coverage is based on the account balance and account ownership. For details visit www.fdic.gov.

All insurance is subject to limitations and exclusions. Insurance products are offered by Visa and are not insured by the FDIC or any federal government agency and are not a deposit or other obligation of, or guaranteed by, any bank or bank affiliate.

Visa's Zero Liability Policy covers U.S. issued cards only and does not apply to commercial credit cards, ATM transactions, or PIN transactions not processed by Visa. Cardholder must notify card issuer promptly of any unauthorized use. Consult issuer for additional details or visit www.rbc.com/security.

Debit transaction charges do not include service charges and online fund transfers such as a transfer to a deposit account, a credit card payment and north and south transfers from an RBC Royal Bank account and RBC Bank account in the same name.

The RBC Bank Direct Cross-Border Bundle for Students (“the Bundle”) offer is available for new RBC Bank U.S. student clients or existing RBC Royal Bank student clients. To be eligible for the Bundle refund, the client must be age of majority in their province or territory of residence and a new RBC Bank client, defined as an individual who has not been a primary or secondary accountholder on any RBC Bank (U.S.) checking account in the 18 months prior to the Bundle open date (“Eligible Personal Client“). To qualify, the Eligible Personal Client must open a new RBC Bank Direct Checking account and apply for any RBC Bank U.S. credit card using promo code “STU2021D” by October 31^st, 2023. The RBC Bank Direct Checking account and credit card application must be submitted on the same day and have the same accountholder(s) on both accounts. Credit card applicants under age 21 must submit independent means of income or the student applicant can still qualify with a co-signer who is over age 21 and has the ability to pay the debt and qualifies. RBC Bank Direct Checking account must be funded according to the Personal Schedule of Fees. All other checking account fees apply. Offer cannot be combined with any other RBC Bank offers. Offer is available for a limited time only and can be modified or withdrawn at any time. Offer fulfillment: On account opening, RBC Bank will waive the annual maintenance fee for first 12 months. All RBC accounts must be in good standing at the time the individual waiver is applied. Only one offer per Eligible Personal Client.