8/2/2019 Save Thousands - Buying your first home? RBC Royal Bank can help you save thousands!

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Buying your irst home?RBC Royal Bank

can help yousave thousands!Special rst-time home buyer oer provided by your realtor.Limited time oer (March 1, 2012 May 31, 2012).

3Your frst mortgage payment is on us

Well pay your rst months mortgage payment (principal and interest) when you nance your

mortgage with RBC Royal Bank.

Plus, all RBC mortgages come with fexible payment eatures, including Double-Up and

Skip-A-Payment options and up to a 30-year amortization.

3Enjoy an all-inclusive banking package or up to six months*

Choose between RBC VIP Banking or RBC Signature No limit Banking and start saving today.

See reverse or details.

3Plus, enter or a chance to winu $25,000

Enter the RBC $25,000 DownpaymentTM Giveaway Contest or your

chance to win $25,000 or 1 o 20 $1,000 secondary prizes.

Visit www.rbc.com/downpayment or details.

Contact an RBC mortgage specialist today!

8/2/2019 Save Thousands - Buying your first home? RBC Royal Bank can help you save thousands!

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/TM Registered trademark(s) o Royal Bank o Canada. RBC and Royal Bank are registered trademarks o Royal Bank o Canada.

All other trademarks are the property o their respective owner(s).

Oer only available to rst-time homebuyers who obtain a 5 or 7 year xed interest rate closed mortgage or an RBC Homeline Plan that has a mortgage segment with a 5 or 7 year xedinterest rate closed. Not available or construction/builder mortgages. To be eligible the mortgage application must be received between March 1, 2012 and May 31, 2012 and mortgage mustbe unded within 120 days rom application and commitment start date. An amount equal to your rst monthly payment (principal and interest) will be credited to your RBC Royal Bank accounwithin ve business days o the mortgage being unded. You will pay all applicable insurance ees and taxes associated with this rst monthly payment. The eligible payment will be calculatedbased on a 25-year amortization. The amount to be credited to your RBC Royal Bank account is a cash back amount and i you renew early, convert early or pay out the mortgage prior tomaturity, you will be required to pay the prorated amount o cash back owing to RBC. Customer may change/elect any payment option (i.e. bi-weekly, monthly etc.).

Not available in combination with any other oer or rate discount. Other terms and conditions may apply. Oer may be withdrawn or amended without notice at any time. Personal lending products

and residential mortgages are oered by Royal Bank o Canada and are subject to its standard lending criteria.

uNo purchase necessary. Visit www.rbc.com/downpayment or details.

* Other transaction ees may apply. Existing RBC VIP Banking, RBC Signature No Limit Banking, RBC No Limit Banking or RBC Day to Day Banking account holders are not eligible or this oer.Eligibility requirements or this oer include that the RBC mortgage payments must come rom the new RBC bank account, and where applicable, the client must enrol in direct deposit o theirpayroll or pension to the new RBC account. The ee waiver will begin within one month o account opening depending on statement cycle. Once the oer is completed, the regular monthly ee willapply and will appear on the monthly statement. Oer may be changed or withdrawn at any time.

1 ATM operators apply a surcharge (also known as a convenience ee) or use o their banking machine. Each account cash withdrawal at an ATM outside Canada displaying the PLUS Systemsymbol and any ees that may be imposed by any third party or using the ATM are converted to Canadian dollars at an exchange rate that is 2.5% above the bench mark rate set by the paymentcard company when the transaction is posted. Exchange rates fuctuate and, as such, the rate applied will usually dier rom a posted exchange rate at the time o the transaction. This ee will notbe waived as part o this package. 2. Monthly ee waived. Overdrat interest charges will apply when an account is overdrawn. Clients are required to make a deposit o interest due at least oncea month. 3 The amount o the annual ee rebate depends on which banking package and eligible credit card you hold. The annual ee rebate applies every year as long as you remain an eligibleaccount owner. Other conditions and restrictions apply. For ull oer details and list o eligible credit cards, go to www.rbcroyalbank.com/products/deposits. 4 Totals are not cumulative, and i notused, they cannot be carried over into the next applicable month or year. 5 Eligible Canadian accounts include any two o the ollowing: RBC Day to Day Banking, RBC Enhanced Savings andRBC Day to Day Savings. The eligible US Account is the U.S. Personal Account. All accounts must be in the same geographic location or region. 6 Credit card and overdrat protection subjectto credit approval. 7Savings are based on a comparison o the cost o banking service ees or a typical account holder with an RBC Day to Day Banking account versus an RBC Signature No LimitBanking account or VIP Banking account. Please visit www.rbc.com/accountselector or ull details on how these savings have been calculated.

VPS67462 23100 (02/2012)

Choose between two all-inclusive RBC banking packages

RBC VIP Banking RBC Signature No Limit Banking

3 MONTHS with no monthly ee* 6 MONTHS with no monthly ee*

Monthly debit Unlimited Unlimited

Non-RBC ATM withdrawals with Interacaccess ees reunded1

Unlimited3 Interacaccess ees reunded per

monthly cycle

Overdrat protection2,6 Included Included

Personalized cheques Included (VIP style) Included (standard style)

RBC credit card annual ee rebate3,6Fully rebated or both applicant and

co-applicant on one eligible RBC

premium credit card (up to $240 value)

Up to $39 rebate on an eligible creditcard or applicant only

Interace-Transer Up to 2 ree per monthly cycle4 Up to 2 ree per monthly cycle4

Drats 12 per calendar year 4 6 per calendar year4

Cross-border debits2 Unlimited Up to 2 ree per monthly cycle4

Additional banking accountsIncludes two additional Canadian-dollaraccounts5 plus one U.S.-dollar account

n/a

Mortgage processing ee Included ($250 value) n/a

Save up to $1,0007 per year Save up to $4007 per year