Get $75 rebate^** + Open an eligible RBC Chequing Account and get the new iPad(1) on the RBC Signature No Limit Banking account

1) To qualify for the Personal Banking Promotional Offer, you must meet all the following criteria:

• Be a resident of Canada, and by November 2, 2026 be of the age of majority in the province or territory in which you reside;
• Not have an existing Personal Banking Account with us;
• Never had a Personal Banking Account with us, nor qualified for any of our offers related to opening a Personal Banking Account at any time during the Promotional Period or in the five year period before the start of the Promotional Period;
• Have a valid deliverable email address associated with your client profile with us by November 2, 2026;
• 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 9:00 PM Eastern Time November 2, 2026; and
• Complete two of the following criteria within 90 days of opening the Eligible Personal Banking Account and no later than by 9:00 PM Eastern Time on the 90^th day:
• • Transfer the full amount of your automated and recurring payroll direct deposit or monthly recurring pension direct deposit to your new Eligible Personal Banking Account. RBC has the right to determine what is considered payroll
  • Set up two (2) pre-authorized monthly payments (“PAPs”) from the Eligible Personal Banking Account
  • Set up two (2) eligible bill payments to a service provider from your new Eligible Personal Banking Account

Provided you fulfill the above Personal Banking Qualifying Criteria, you will be eligible to receive a complimentary Apple iPad (Apple 11-inch iPad Wi-Fi 128GB).

5. Conditions that apply to the Promotional Offers

The following conditions also apply to these Promotional Offers:

a. The Promotional Offers are available to Eligible Personal Clients only.

b. RBC Employees are not eligible to participate in the Promotional Offers. However, (subject to 5.d. below), if an RBC Employee is a co-owner on a jointly-held Eligible Personal Banking Account, the Promotional Offer may still be earned by another co-owner on the Eligible Personal Banking Account other than the RBC Employee, provided the remaining conditions are fulfilled by the other co-owner(s);

c. Only one Reward per Eligible Personal Client, no matter how many Eligible Personal Banking Accounts or Personal Investments Accounts you may open during the Promotional Period;

d. Only one Reward per Eligible Personal Banking Account, even if the Eligible Personal Banking Account is opened jointly and the Personal Banking Qualifying Criteria and Investment 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 for the Promotional Offer.

e. The Reward is only available while supplies last. While we reserve the right to substitute the Reward with an offer of equal value, we are not obligated to do so.

f. Eligible Personal Clients are not entitled to a change, upgrade or substitution of the Reward upon selection.

g. Your Eligible Personal Banking Account must remain open and in good standing, and the Personal Banking Qualifying Criteria you performed to receive the Reward (for example, setting up payroll/pension deposit or pre-authorized payments) must remain in effect until at least November 2, 2027.

h. If you received the Reward and then downgraded, changed or closed your Eligible Personal Banking Account or undid any of the Personal Banking Qualifying Criteria you performed to receive the Reward (for example, cancelled a payroll/pension deposit or pre-authorized payment) at any time prior to November 2, 2027, or fail to maintain the minimum Qualifying Net Contributions required until the end of the Holding period (i.e. you withdraw part or all of your contributions and/or close your Eligible Investments Account at any time prior to 365 days after completing the Investments Qualifying Criteria), we reserve the right to debit your Eligible Personal Banking Account or any of your accounts with us for the value of the Reward you selected, as described in the table below, plus applicable taxes, even if this places your account into overdraft or causes you to exceed your account’s credit limit, as relevant. If your Eligible Personal Banking Account is closed and you do not have any other account with us at that time, we will send you an invoice for the value of the Reward you selected, as described in the table below plus applicable taxes, which you agree to pay within 30 days from the date of receipt, which shall be deemed to be 5 business days from its postmark date.

Reward Value

(after any initial payment)

Personal Banking Promotional Offer

Apple 11-inch iPad Wi-Fi 128GB

$ 499

Investments Promotional Offer

Apple 11-inch iPad Air Wi-Fi 128GB $799

Investments Promotional Offer

Apple 13-inch MacBook Air (M5) 10-core CPU and 8-core GPU, 16GB, 512GB SSD $1,499

Investments Promotional Offer

Apple 11-inch iPad Pro Wi-Fi 256GB with Standard Glass $1,399

i. In order to select and receive the Reward, you must have a valid deliverable email address associated with your client profile with us by November 2, 2026. It is your responsibility to keep your email address with us current by updating it in RBC Online Banking, contacting the RBC Royal Bank Advice Centre, or visiting an RBC Royal Bank Branch, and we will not be responsible for any failure by you to do so or for any consequences arising from such failure;

j. Starting August 31, 2026, we will notify you – by way of an email sent to the email address you have provided to us – when you have fulfilled the Personal Banking Qualifying Criteria only or both the Personal Banking Qualifying Criteria and the Investments Qualifying Criteria for the Promotional Offer.

The email will contain a secure link that will direct you to a secure online store where you can select your Reward and confirm an address for delivery.

This message will be sent at any time up to fifteen days after we have determined that all Personal Banking Qualifying Criteria and/or Investments Qualifying Criteria have been completed by you - within 90 days of opening the Eligible Personal Banking Account. The email message will contain a secure link that will permit you to visit a secure online store where you can select your Reward and confirm an address for delivery, as well as any other shipping details;

k. If you believe you have qualified for the Promotional Offer but have not received the email described immediately above informing you of your qualification, you have until March 5, 2027 to inform us accordingly, so that we may check whether you have indeed qualified for the Promotional Offer. Any notice received after this date, will not be accepted and you will be deemed not to have qualified for this Promotional Offer;

l. You have until March 1, 2027 to use the secure link provided in the email informing you of your qualification for the Promotional Offer and to select your Reward. Any attempt to use the link after this date will not be accepted and you will be deemed to have forfeited the Promotional Offer and any entitlement to the Reward;

m. We will ship the Reward to the address you provide when you selected the Reward, as long as it is an address with a civic number and street name and is located in Canada. We will not ship to any post office box (P.O. Box);

n. We may send you an email notification informing you that your Reward has been shipped and/or providing you with a tracking number. It is your responsibility to keep your email address current. If a tracking number has been provided, it is your responsibility to track and make any arrangements necessary to receive delivery of the Reward;

o. A receipt or other record (e.g., by the carrier) of delivery at the address you provided when you selected your Reward, will be sufficient evidence of your receipt of the Reward, regardless of whether the signature on the receipt corresponds to a signature that appears in our records for the Eligible Personal Banking Account.

p. We are not responsible for any failure, malfunction or defect in the Reward itself, nor for any services related to it. Any complaint, inquiry, or communication related to any failure, malfunction or defect in the Reward, as well as any services related to it, should be addressed directly to the Reward’s manufacturer.

q. The Promotional Offer is only available to individuals who, prior to November 2, 2026 have reached the age of majority in the province or territory in which they reside, and who have met all other criteria to be considered an Eligible Personal Client. If the age of majority is reached between June 2 and, November 2, 2026 but all other Qualifying Criteria are otherwise met prior to the 90th day after opening the Eligible Personal Banking Account, the email referred to in 5.j. above will be sent following the date on which the age of majority is reached, only upon the occurrence of which will the individual be considered an Eligible Personal Client capable of qualifying for the Promotional Offer.

r. There may be tax implications associated with the Investments Promotional Offer and the Personal Banking Promotional Offer. You will be solely responsible for any tax consequences associated with the Investments Promotional Offer and the Personal Banking Promotional Offer and/or the transfer of any assets into the Eligible Investment Account(s). Please consult your personal tax advisor for more information.

s. It is your responsibility to ensure that you do not exceed your contribution limits in your Eligible Investment Accounts. Contributions in excess of your personal contribution room may be subject to a tax penalty. You acknowledge and agree that we will not be held liable for any penalties, direct or indirect losses, damages, or opportunity costs suffered or incurred by you or any third party as a result of your participation in the Promotional Offer.

6. 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 related to the operation of any of our personal deposit accounts, credit card accounts and business banking accounts, which continue to apply.

b. The Promotional Offer shall not be combined with any other of our Personal Banking Accounts or investment account offers or promotions (including but not limited to Investments Winter Investment Offer, existing client offer) 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(s)) or promotions applicable to individuals 55 years of age or older. The Promotional Offer shall also not be combined with any other offers or promotions by the Royal Bank of Canada or any affiliated entity, including without limitation, Royal Mutual Funds Inc., RBC Direct Investing Inc. and RBC InvestEase Inc. , except as may be permitted in accordance with the terms and conditions of the other offers or promotions. Contact us by visiting an RBC Royal Bank branch or calling us at 1-800-769-2511 for details.

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/ipadoffer shall be deemed sufficient notice to you of such Terms and any changes, if required.

7. Limitations that apply to all Promotional Offers

a. We reserve the right to cancel the Promotional Offer at any time for any reason at our 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 current Terms by visiting www.rbc.com/ipadoffer 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 to any person or account holder we find 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 opinion not in good standing.

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