Canadian Golfers in the U.S. Get No Annual Fee U.S. Banking for 1 Year^1,2

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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

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All other trademarks are the property of their respective owners.

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Offer period is January 1, 2024 through October 31, 2025 (“Offer Period”). Offer is available for new clients of RBC Bank (U.S.) only. A new client is defined as an individual who has not been a primary or secondary accountholder on any RBC Bank U.S. checking account for the 18 months prior to the start of the offer period. To qualify, client must open a new RBC Bank Direct Checking account and apply for an RBC Bank credit card before the end of the Offer Period. Employees of Royal Bank of Canada do not qualify for this offer. Direct Checking account must be funded according to the Personal Schedule of Fees. For eligible clients, RBC Bank will waive the Direct Checking monthly or annual fee for 1 year. All other checking account fees and credit card fees apply. If a client applies for an RBC Bank Visa Signature Black credit card, the annual fee of the credit card is not waived. Offer is available for a limited time only and can be withdrawn at any time.

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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 7.50% as of December 19, 2024.

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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.

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While there are no foreign transaction fees for purchases in the U.S. or in USD, there may be foreign transaction fees for purchases conducted in a foreign currency. RBC Bank Foreign Transaction Fees: Visa Signature Black – 1.5% of the U.S. dollar amount of the transaction, Visa Signature Black Plus – Foreign transaction fee does not apply, Visa Platinum – 3.0% of the U.S. dollar amount of the transaction.

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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.

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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 of Canada account and RBC Bank account in the same name.

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

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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 Avion points.

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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.

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Subject to the maximum extent permitted by law. Amount of coverage is based on the account balance and account ownership. RBC Bank is a member of the U.S. Federal DepositInsurance 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”). For details visit www.fdic.gov.

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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

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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.

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Prime Rate: As published in The Wall Street Journal; current rate is 7.50% as of December 19, 2024.