1) To take advantage of this offer, you must be a resident of Canada and age of majority by June 1, 2026 and you must not have an existing Personal Banking Account with Royal Bank of Canada or any of its deposit taking subsidiaries at the beginning of the “Promotional Period” on January 14, 2026, or in the prior five year period, and otherwise comply with the terms of the offer. You will be eligible to receive a complimentary Apple Watch (Apple Watch Series 11 GPS, Rubber band, 42 mm or 46 mm case in your choice of Jet Black Aluminum with Black Sport Band, Space Grey Aluminum with Black Sport Band, Rose Gold Aluminum with Light Blush Sport Band or Silver Aluminum with Purple Fog Sport Band, Model Numbers included in the full Terms and Conditions), when you open your first new Eligible Personal Banking Account of either an RBC Signature No Limit Banking® account (monthly fee of $16.95) or RBC VIP Banking® account (monthly fee of $30) by 9PM EST June 1, 2026 and complete two of the following ”Qualifying Criteria” by 9PM EST August 10, 2026: set up two pre-authorized payments from the Eligible Personal Banking Account; and/or one automated and recurring payroll or pension direct deposit to the Eligible Personal Banking Account, and/or two eligible bill payments to a service provider from the Eligible Personal Banking Account. RBC has the right to determine what is considered payroll. This offer may not be combined or used in conjunction with any other Personal Banking Account offers unless otherwise indicated. Royal Bank of Canada reserves the right to withdraw this offer at any time without notice, even after acceptance by you. Other conditions apply. For full details including defined terms visit rbc.com/watchterms.

Royal Bank of Canada may withdraw or amend this Offer at any time without notice. For full details including defined terms visit rbc.com/watchterms.3. Conditions that apply to the Promotional Offer

The following conditions also apply to this Promotional Offer:

a. The Promotional Offer is available to Eligible Personal Clients only.

b. RBC Employees are not eligible to participate in the Promotional Offer. However, if an RBC Employee is a co-owner on a jointly held Eligible Personal Banking Account, the Promotional Offer may still be earned, provided the remaining conditions are fulfilled by the other co-owner if they are an Eligible Personal Client;

c. Only one Promotional Offer and corresponding Bonus Amount is available per Eligible Personal Client, no matter how many Eligible Personal Banking Accounts you may open during the Promotional Period;

d. Only one Promotion offer and corresponding Bonus Amount is available per Eligible Personal Banking Account, even if the Eligible Personal Banking Account is opened jointly and the Qualifying Criteria are fulfilled by more than one co-owner. In this case, only the co-owner designated as the Primary Owner at the time of opening of the joint Eligible Personal Banking Account will qualify to receive the Bonus Amount.

e. If an Eligible Personal Client, qualifies for the Promotional Offer and fulfills the Qualifying Criteria and conditions, the Bonus Amount will be credited directly to their Eligible Personal Banking Account between 6 and 10 weeks of completing the Qualifying Criteria (refer to section 2 for full details of Qualifying Criteria).

f. The Promotional Offer is available to residents of Canada only; residence is determined by the jurisdiction (province or territory) where a client has their primary tax filing obligation based on their regular place of residence.

g. Your Eligible Personal Banking Account must remain open and in good standing, and the Qualifying Criteria you performed to get the Bonus Amount for the Signature No Limit Banking account or RBC VIP Banking Account(such as payroll/pension deposit or pre-authorized payment) must remain in effect for at least 365 days from the Qualify By Date.

h. If you received the Bonus Amount and then downgraded, changed or closed your Eligible Personal Banking Account or removed or otherwise undid any of the Qualifying Criteria you performed to qualify for the Promotional offer and to receive the Bonus Amount (e.g., cancelled any payroll/pension deposit or pre-authorized payment), at any time prior to 365 days from the Qualify By Date, we reserve the right to debit your Eligible Personal Banking Account or any of your accounts with us for the Bonus Amount, even if this places your Eligible Personal Banking Account or any other account into overdraft. If your Eligible Personal Banking Account is closed and you do not have any other account with us at that time, we reserve the right to send you an invoice in the amount of the Bonus Amount that was paid to you, which you agree to pay within 30 days of its postmark date.

i. You have until April 8, 2026 to notify us if you believe you have qualified for the Promotional Offer and completed the Qualifying Criteria, but have not received your Bonus Amount. Any notice received after this date will not be accepted and you will be deemed not to have qualified for this Promotional Offer.

j. If you are not satisfied with your Eligible Personal Banking Account and switch to another account, our Right Account GuaranteeTM may apply, provided you satisfy its underlying terms and conditions. If you benefit from the Right Account Guarantee, we still reserve the right to reverse the Bonus Amount credited to your Eligible Personal Banking Account, as more fully described in sub-section h. above. For the terms and conditions of the Right Account Guarantee, visit http:www.rbcroyalbank.com/products/deposits/right-account-guarantee.html

4. Additional Conditions that apply to all Promotional Offers

a. The Promotional Offer and these Terms do not, in any way, affect any of the service fees or other fees related to the operation of any of our Personal Banking Accounts, credit card accounts or business banking accounts, which continue to apply.

b. The Promotional Offer shall not be combined with any other of our Personal Banking Accounts offers or promotions, except as may be permitted in accordance with the terms and conditions of offers or promotions by RBC that are applicable to Newcomers (which term shall have the meaning given to it under the terms and conditions of the applicable offer). For more information, visit https://www.rbc.com/newcomers/what-we-offer.html

c. We reserve the right to change the Promotional Offer and these Terms at any time. The posting of the current Terms at www.rbc.com/offerterms400 shall be deemed sufficient notice to you of such Terms and any changes, if required.

5. Limitations that apply to all Promotional Offers

a. We reserve the right to cancel the Promotional Offer at any time and for any reason, at our sole and complete discretion without notice.

b. In the event of a conflict between these Terms and the content of any document, brochure or promotional material advertising the Promotional Offer, these Terms shall prevail. You may always view the most current Terms by visiting www.rbc.com/offerterms400 or you may call 1-800-769-2511 to request a current copy.

c. We reserve the right, in our sole discretion, to suspend, disqualify, limit or revoke this Promotional Offer for any person or account holder we determine or believe to be manipulating or otherwise abusing the process, fairness, integrity or operation of the Promotional Offer, including any person whose overall client relationship with us is, in our sole opinion, not in good standing. Marketing Bullets Legal Copy: 1) To take advantage of this offer, you must be a resident of Canada and age of majority by November 3, 2025 and you must not have an existing Personal Banking Account with Royal Bank of Canada or any of its deposit taking subsidiaries at the beginning of the “Promotional Period” on July 3, 2025, or in the prior five year period, and otherwise comply with the terms of the offer. You will be eligible to receive a complimentary Apple iPad (Apple 11-inch iPad Wi-Fi 128GB, Model # MD3Y4CL/A (Silver); MD4A4CL/A (Blue); MD4D4CL/A (Yellow); MD4E4CL/A (Pink) Terms and Conditions, when you open your first new Eligible Personal Banking Account of either an RBC Signature No Limit Banking® account (monthly fee of $16.95) or RBC VIP Banking® account (monthly fee of $30) by 9PM EST November 3, 2025 and complete two of the following ”Personal Banking Qualifying Criteria” by 9PM EST time by the 90th day after opening the Eligible Personal Banking Account:

Set up two pre-authorized payments from the Eligible Personal Banking Account; and/or one automated and recurring payroll or pension direct deposit to the Eligible Personal Banking Account, and/or two eligible bill payments to a service provider from the Eligible Personal Banking Account. RBC has the right to determine what is considered payroll.

Provided you fulfill the “Personal Banking Qualifying Criteria” and the “Investments Qualifying Criteria” below ” by 9PM EST time by the 90th day after opening the Eligible Personal Banking Account, you may elect to receive one of the following (Apple 13-inch MacBook Air: M4 chip with 10-core CPU and 8-core GPU, 16GB, 256GB SSD, Model # MC6T4C/A (Bleu ciel, Français); MC6T4LL/A (Sky Blue); MW0W3C/A (Argent, Français); MW0W3LL/A (Silver); MW0Y3C/A (Comète, Français); MW0Y3LL/A (Starlight); MW123C/A (Minuit, Français); MW123LL/A (Midnight) Or; (Apple 11-inch iPad Pro Wi-Fi 256GB with Standard Glass, Model # MVV83CL/A (Space Black); MVV93CL/A (Silver):

a. Be the primary account holder of an Eligible Investments Account after opening the Eligible Personal Banking Account;

b. Transfer-in or deposit Qualifying Net Contributions of at least C$50,000 into any Eligible Investments Account, or collectively into any combination of Eligible Investments Accounts

c. Maintain the minimum Qualifying Net Contributions required under the Investments Promotional Offer until 365 days after completing the Investments Qualifying Criteria

This offer may not be combined or used in conjunction with any other Personal Banking Account offers unless otherwise indicated. Royal Bank of Canada reserves the right to withdraw this offer at any time without notice, even after acceptance by you. Other conditions apply. For full details including defined terms visit www.rbc.com/ipadoffer. 2) The Monthly Fee is charged on the last day of the Month of your Account’s monthly cycle. If the last day is a non-Business Day, the fee is charged the previous Business Day. However, if the last day of your Account’s Monthly Cycle is a non-Business Day and falls at the beginning of the calendar month, then the Monthly Fee is collected the next Business Day. 3) The standard Monthly Fee for the RBC Signature No Limit Banking account is $16.95; however, you may be eligible to receive a partial rebate on your account's standard Monthly Fee if you meet the criteria applicable to rebates or discounts we offer, as described herein, and in the document entitled Personal Deposit Accounts Disclosures and Agreements. 4) There is a limit of 999 free Interac e-Transfer Transactions per Month per Account; for every Interac e-Transfer Transaction over the limit, you will be charged $1. 5) Interac‡ e-Transfer Transactions expire 30 days after they are sent and cannot be claimed by the recipient after this time. You have 15 days after the Interac‡ e-Transfer Transaction is sent to cancel without charge. A $5 Interac‡ e-Transfer Transaction Reclaim Fee is charged when a recipient does not accept it before it expires and the sender does not cancel the transaction before the 15-day cancellation period. 6) To participate in this offer, you must have an RBC debit or credit card which is issued by Royal Bank of Canada (excluding RBC commercial credit cards) (“RBC Card”). RBC business clients will only be able to link up to two (2) business credit cards and one business debit card to a Petro-Points card. You must be enrolled in RBC Online Banking or the RBC Mobile app in order to link your RBC Card to your Petro-Points card. Card linking may take up to 2 business days to process before savings and bonus points can be applied to purchases. A linked RBC Card means an RBC Card linked to a Petro-Points Account. Your linked RBC Card acts as your Petro-Points card. You will automatically earn Petro-Points when you pay for qualifying purchases with your linked RBC Card at Petro-Canada locations and you do not need to swipe your Petro-Points card before you pay. You can redeem your Petro-Points at Petro-Canada using your linked RBC Card. Each time you use your linked RBC Card to purchase any grade of gasoline, or diesel, at a Petro-Canada location, you will save three cents ($0.03) per litre at the time of the transaction. 7) An ATM operator surcharge (also called a convenience fee) may be charged by other ATM operators. The convenience fee is not a Royal Bank fee. It is added directly to the amount of your cash withdrawal. All clients who use non-RBC ATMs may be charged a convenience fee regardless of the type of account they hold. 9) As a sole or joint owner of an RBC Signature No Limit Banking (SNL) account and the primary cardholder of one of the eligible credit cards listed below, the annual fee of that eligible credit card will be fully or partially rebated (depending on the credit card you choose), every year, as long as your eligible card remains in good standing and you remain an SNL account owner. Additional cardholders (co-applicants and authorized users) do not qualify for the annual fee rebate, even if they are also owners of an SNL account. Only one credit card annual fee rebate per SNL account is allowed, which means that if you own a joint SNL account and each co-owner is also the primary cardholder of an eligible credit card, only the primary owner of the SNL account will be entitled to the credit card annual fee rebate. Other conditions and restrictions apply. Rebates that apply to eligible credit cards are: 1) $48 rebate ($4 applied monthly) (annual fee fully rebated) for: RBC ION+ Visa card, 2) $39 rebate (annual fee fully rebated) for: Signature® RBC Rewards Visa and WestJet RBC Mastercard cards, or 3) $35 rebate (annual fee partially rebated) for: RBC Avion Visa Infinite, RBC Avion Visa Infinite Privilege, RBC Avion Visa Platinum, RBC Rewards Visa Preferred, RBC US Dollar Visa Gold, RBC British Airways Visa Infinite and WestJet RBC World Elite Mastercard cards. If you already have an SNL account, the rebate will be applied at the time you open your eligible credit card account. If you open your SNL account after you have opened your eligible credit card account, the rebate will be applied at your next annual renewal and won't be applied retroactively. Other conditions and restrictions may apply. Royal Bank of Canada reserves the right to withdraw this offer at any time, even after acceptance by you. 14) When you enrol your eligible RBC personal bank account into the RBC Value Program, you will be eligible to earn Avion points within the Avion Rewards Program as an Eligible Personal Banking Client, and any such points earned will be deposited into the Avion Rewards account tied to your enrolled account. Purchases from your account refers to using your RBC Client Card to pay for items at a merchant or service provider with the amount electronically debited directly from your enrolled account or using your RBC Virtual Visa Debit for purchases online. Avion points are governed by the Avion Rewards Terms and Conditions available on our website, or a copy may be provided to you by contacting us. For complete details on the Value Program, please see the Value Program Terms & Conditions. 41) If you are an owner of an Account that allows Companion Accounts, participation in the RBC’s Value Program, a discount on the annual fee for an RBC credit card or a discount on the annual rental fee of a safe deposit box, your holdings will be automatically linked if their owner(s) is (are) the same. However, in some instances your product holdings may need to be manually linked, and you will need to contact us to do so. Without limitation, this includes if your product holdings are held in different ownership, in different processing centers, or there are greater than two account owner(s) on your Account. If any one of your associated or linked RBC products is in joint ownership and the ownership of any of the linked products differ from one another, you acknowledge that the ownership of the other products may be disclosed to the other joint owners or co-owners.

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