�
                      RBC BANK   CREDIT CARD DISCLOSURES
                          AND CARDHOLDER AGREEMENT
                                                                       27258 (05/2020)
                                Summary of Credit Terms
                                   �
    Interest Rates and          Visa  Signature Rewards Visa Signature Rewards Plus
    Interest Charges            Visa Platinum Rewards   Visa Platinum Rewards Plus
                                         1
    Annual Percentage        If applicable, 0.00%  introductory APR for 6 months when you open your  
    Rate (APR) for Purchases account. See disclosures accompanying card(s) for applicability of ?xed  
                             introductory APR.  
    and Balance Transfers
                             After that, your APR will be 9.99% to 19.99% for Visa Platinum accounts and for 
                             Visa Signature accounts, based on your credit worthiness. This APR will vary with 
                                                  2
                             the market based on the Prime Rate.
    APR for Cash Advances    19.99%
                                                               3
                             This APR will vary with the market based on the Prime Rate.
    Paying Interest          Your due date is at least 21 days after your account statement is mailed or otherwise
                             delivered to you. We will not charge you any interest on purchases if you pay your
                             entire balance by the due date each month. There is no grace period for balance
                             transfers or cash advances.
    Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00. 
    For Credit Card Tips from the   To learn more about factors to consider when applying for or using a  
                             credit card, visit the website of the Consumer Financial Protection Bureau at  
    Consumer Financial Protection 
                             consumer?nance.gov/learnmore.
    Bureau
    FEES                      Visa Signature  Visa Platinum  Visa Signature  Visa Platinum 
                                Rewards     Rewards    Rewards Plus Rewards Plus
                                                            4            4
    Annual Fee                   $0           $0          $75         $55
                                                      NOTICE: This fee may be assessed before 
                                                      you begin using your card and will reduce 
                                                      the amount of credit you initially have 
                                                      available. For example, if you have a Visa 
                                                      Platinum account and are assigned the 
                                                      minimum credit limit of $500, your initial 
                                                      available credit will be only $445.
    Transaction Fees         �   Either $10 or 3% of each balance transfer, whichever is greater (after the end of 
                                                           5
    � Balance Transfer        the introductory period, the maximum fee is $99).
                             � Either $5 or 3.5% of the amount of each cash advance, whichever is greater.  
    � Cash Advance
                             �  Signature: 1.5% of the U.S. dollar amount of the transaction if the  
    � Foreign Transaction
                              transaction is conducted in a foreign currency.
                             �  Platinum: 3% of the U.S. dollar amount of the transaction if the  
                              transaction is conducted in a foreign currency.
    Penalty Fees
    � Late Payment           �  Up to $35. 
    � Returned Payment       � Up to $35.
   How We Will Calculate Your Balance: We use a method called �average daily balance (including new purchases)�. See your Cardholder  
   Agreement for more details.
   Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Cardholder Agreement.
                                Joanne Durham             100% of Final Size APPROVALS
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   1  Introductory APR: If applicable, the ?xed introductory APR applies to purchases and balance transfers for the ?rst 6 monthly billing cycles 
   following the date your account is established. Thereafter, the APR for all outstanding indebtedness and new balances relating to purchase and 
   balance transfer transactions will be the then-applicable variable APR.
   2  Prime Rate: As published in the Wall Street Journal, current rate is 3.25% as of April 1, 2020.
   3  The APR for cash advances will be the Prime Rate plus 16.74%.
   4  The Annual Fee is  waived for Private Banking customers and RBC Bank employees.
   5  The balance transfer fee has no maximum during the introductory period (?rst 6 monthly billing cycles); thereafter, this fee will be a maximum 
   of $99 per balance transfer.
   You understand that this offer to establish a credit card account is on behalf of RBC Bank, Three Alliance Center, 3550 Lenox Road NE, Suite 
   1950, Atlanta, GA 30326. If an account is opened, the lender on the account will be RBC Bank (Georgia), N.A. (hereafter, �we,� �us,� or �RBC 
   Bank�). You understand that the use of any card issued in connection with this offer will constitute your acceptance of and will be subject to 
   the terms and conditions of the Cardholder Agreement that will be sent with the card. If your credit line is less than $5,000, you will receive a 
   Platinum account. The bene?ts for Platinum accounts differ from Visa Signature accounts. You agree to be responsible for all charges incurred 
   according to the Cardholder Agreement. You understand that the terms of your account are subject to change as provided in the Cardholder 
   Agreement.
   We may communicate information about our experiences and transactions with you to consumer reporting agencies and third parties, to the 
   extent permitted by law. At certain income and credit line levels, proof of employment or income veri?cation may be required.
   This information was printed in April 2020 and was accurate as of that date and is subject to change after that date. Call RBC Bank at
   1-888-257-6837 to ?nd out what may have changed.
   LOSS OR THEFT OF CARD:
   You must notify us promptly in the event of the loss or theft of your card. You may be liable for the unauthorized use of your credit card. 
   However, you will not be liable for unauthorized use that occurs after you notify us orally or in writing of the loss, theft, or possible 
   unauthorized use. In any case, your liability will not exceed $50 for each occurrence of loss or theft.
   To report a lost/stolen card, call 1-888-257-6837. State that you are reporting a lost/stolen card. Please have your account number ready. 
   Or write to us at:
                             RBC Bank Cardholder Services, P.O. Box 869
                                  Buffalo, NY 14240-0869
   QUESTIONS OR FURTHER INFORMATION:
   To have your questions answered or for further information, please contact RBC Bank Card Customer Service toll free at:
                                    1-888-257-6837
    
      Equal Housing Lender. Member FDIC.
   � / � Trademark(s) of Royal Bank of Canada. Used under license.
   RBC Bank means RBC Bank (Georgia), N.A., a subsidiary of Royal Bank of Canada.
   �  All other trademarks are the property of their respective owner(s).
   � RBC Bank (Georgia), N.A. 2020.
                                                                Joanne Durham
                                                                RBC Bank Cardholder Agreement
                                                         107006_27258_Disclosure_0520_E.indd
                                         1. Your Account and Agreement. This RBC Bank credit card account 
                                         (�Account�) is provided by RBC Bank (Georgia), N.A., subject to the 
                                         terms of this Cardholder Agreement (�Agreement�). Your application 
                                         for the Account, or your response to a solicitation for the Account, 
                                         is part of the Agreement. Please read this Agreement and keep it for 
                                         your records. You agree to the terms and conditions of this Agreement 
                                         when you accept, sign or use your Card or the Account. Please sign 
   RBC BANK CARDHOLDER AGREEMENT
                                         the back of your Card when you receive it. You will be bound by this 
                                         Agreement even if you do not sign your Card. If we have issued a 
   TABLE OF CONTENTS:                    Card to you, provided you with a renewal or replacement Card, or 
                                         provided you with Convenience Checks, and you keep or use the Card 
   1.   Your Account and Agreement .................................................. 1
                                         or Convenience Checks or otherwise access your Account, it means 
   2.   Using Your Account ................................................................. 1 that you understand and agree to be bound by the terms of this 
                                         Agreement. In this Agreement the words �you,� �your� and �yours� 
   3.   Loss, Theft or Unauthorized Users .......................................... 2
                                         mean the Cardholder(s). The words �we,� �us,� �our,� �Bank� and 
   4.   Authorized Users .................................................................... 2 �RBC Bank� mean RBC Bank (Georgia), N.A. Please also refer to the 
                                         Disclosure Statement which accompanies this Agreement and to all 
   5.   Credit Limit............................................................................. 2
                                         other disclosure documents which we provide to you from time to 
   6.   Impermissible Transactions .................................................... 2 time. Capitalized terms not otherwise de?ned herein are de?ned in 
   7.   Account Statement ................................................................. 2 the Glossary of Terms at the back of this Agreement.
                                         2. Using Your Account. Provided that your Account is in good standing, 
   8.   Payments ............................................................................... 2
                                         you may draw on it by using your Card wherever the Card is accepted 
   9.   Application of Payments ......................................................... 2 and up to the maximum amount we have set as your Credit Limit. You 
   10.   Grace Period ........................................................................... 2 may use your Account for personal, family, or household purposes. You 
                                         may not use your Account for business or commercial purposes. You 
   11.   Calculation of Interest ............................................................ 3
                                         promise to use your Account only for valid and lawful transactions. It is 
   12.   Transaction Fees ..................................................................... 3 not our responsibility to make sure that you use your Account only for 
                                         permissible transactions, and you will remain responsible for paying 
   13.   Other Fees and Charges .......................................................... 4
                                         for a transaction even if it is not permissible. You authorize us to pay 
   14.   Special Promotional Offers ..................................................... 4 for and charge your Account for all transactions made on your Account. 
                                         You will pay us for the amounts you charge on your Account plus any 
   15.   RBC Rewards ..........................................................................4
                                         Finance Charges imposed on these amounts and any other charges. 
   16.   Account Review  ..................................................................... 4 These amounts will be payable in United States Dollars. You agree not 
                                         to intentionally make payments in excess of the amount owed on your 
   17.   Default ................................................................................... 4
                                         Account (�overpayments�). In addition, you agree that we may limit the 
   18.   Termination ............................................................................ 4 amount of or refuse to accept overpayments, and we may terminate 
                                         your Account for excessive overpayment activity. You are liable for all 
   19.   Ownership of Card .................................................................. 5
                                         credit obtained under your Account, whether obtained by you or by 
   20.   Military Credit Disclosures ..................................................... 5 another user of your Account.
   21.   Assignment and Amendment .................................................. 5 You can use your Card for the following types of transactions:
   22.   Personal Data and Credit Inquiries .......................................... 5 � Purchases: You may use your Card to pay for goods or services.
   23.   Other Products and Services ................................................... 5 � Balance Transfers: You may transfer balances from other accounts 
                                           or loans with other credit card issuers or other lenders to your 
   24.   Applicable Law ....................................................................... 5
                                           Card, or other Balance Transfers we allow. But you may not transfer 
   25.   Waiver .................................................................................... 5 balances to your Card from other accounts with us or any of our 
   26.   Severability ............................................................................ 5 related companies. If a portion of a requested Balance Transfer will 
                                           exceed your available Credit Limit, we may process a partial Balance 
   27.   Entire Agreement.................................................................... 5 Transfer up to your available Credit Limit.
   28.   Glossary of Terms ................................................................... 5 � Cash Advances: By using the Card together with a Personal 
   29.   Billing Rights ......................................................................... 6 Identi?cation Number (�PIN�), you may obtain Cash Advances 
                                           at any automated teller machine (�ATM�) that allows you to use 
                                           the Card. You may also obtain Cash Advances from ?nancial 
                                           institutions, businesses or merchants that accept the Card. If your 
                                           Card is used to obtain a Cash Advance, you are deemed to have 
                                           authorized the transaction. If you use your Card for tax payments, 
                                           use Convenience Checks, or make other similar cash-like charges, 
                                           these will be treated as Cash Advances.
                                           � Convenience Checks: Either we may provide you or you may 
                                           request Convenience Checks as a way to use your Account. Except  
                                           as otherwise provided in the disclosure documents with such  
                                           Convenience Checks, all transactions using Convenience Checks  
                                           will be treated as Cash Advances and will be subject to the terms  
                                           of this Agreement that apply to Cash Advances.
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   Without further notice and as allowed by applicable law, we may  increase your Credit Limit. A change to your Credit Limit will not affect 
   place limits on or stop your ability to make Balance Transfers or Cash  your obligation to pay us. We reserve the right to refuse to honor 
   Advances on your Account. You may charge an amount to your Account  any use of the Card or Convenience Checks which would cause you 
   without presenting the Card (such as for mail order, internet, or  to exceed your Credit Limit. We may establish limits on the amount 
   telephone Purchases or Cash Advances), and such transactions will  you may borrow or types of transactions we will permit, such as Cash 
   be treated the same as if you had presented the Card and signed a  Advance limits. We will tell you about some of the limits such as your 
   Purchase or Cash Advance draft receipt. Credit Limit; however, for security and other reasons we will not tell 
                                         you about all the limits we set.
   3. Loss, Theft or Unauthorized Users. You will tell us immediately by 
   telephone or in writing about any actual or suspected loss, theft or   6. Impermissible Transactions. You agree not to make or permit to 
   Unauthorized use of your Card, Account, PIN, or a Convenience Check.   be made any illegal or unlawful transactions on your Account through 
   We will consider all transactions charged to your Account as having  the use of a Card, a Convenience Check or any other manner. You 
   been authorized by you until you advise us otherwise. To report such a  also agree not to use your Account for Purchases or Cash Advances 
   loss, theft, or Unauthorized use, you may call us toll-free or write us at: in any country that is subject to economic sanctions imposed by the 
                                         United States, and you understand that any attempted use of your 
                 1-888-257-6837
                                         Account in such countries will be blocked. You also agree that a Card, 
          RBC Bank Cardholder Services, P.O. Box 869
                                         Convenience Check or your Account may not be used in connection 
               Buffalo, NY 14240-0869
                                         with online (e.g., internet) gambling or to fund any account that is set 
                                         up to facilitate online gambling by you or any other person.
   If your Card is lost or stolen, you may be liable for the Unauthorized 
   use of your Card that occurs before you notify us; however, your liability  7. Account Statement. We will send you a monthly Account statement 
   will not exceed $50 for each loss or theft. If your Card and PIN are  if there has been a transaction on your Account during the Billing 
   used together to complete a transaction before you notify us that  Cycle, you have a debit or a credit New Balance of more than $1.00, 
   your Card is lost or stolen, you will be liable for the full amount of  or a Finance Charge is imposed during the Billing Cycle. The number 
   the transaction plus any Finance Charge. Once you notify us that  of days in the Billing Cycle shown on each Account statement may 
   your Card is lost or stolen, you will not be liable for any subsequent  vary as a result of the different number of days in each month, but 
   Unauthorized transactions using your Card. You will be required to  the payment due date will be a ?xed day each month. We will send 
   identify the Unauthorized charges on your Account. We may ask you  Account statements only to the primary Cardholder.
   to help with our investigation by providing us information in writing 
                                         8. Payments. You have the option of paying in full the New Balance 
   regarding the loss, theft or Unauthorized use.
                                         shown on each monthly statement or paying it in installments that 
   Keep Your PIN Con?dential: You agree to keep your PIN con?dential  will be at least the amount of the minimum payment (�Minimum 
   and separate from your Card at all times. If you fail to do this, or if you  Payment�). If your New Balance is $15 or less, your minimum 
   select a PIN which can be easily discovered, or if you keep your Card  payment will be the New Balance. Otherwise, your minimum payment 
   and your PIN in a way that would enable an Unauthorized person to  will be the sum of any past due amounts plus the greater of the 
   use them together, you will be liable for all debt, including Finance  following amounts: (a) $15 or (b) the sum of (i) new daily Periodic 
   Charges and other charges, arising from their Unauthorized use. Rate interest charges plus new Balance Transfer transaction fees, new 
                                         Cash Advance transaction fees, and any other new fees and charges;  
   4. Authorized Users. If you allow someone to use your Account, that 
                                         plus (ii) 1.5% of your New Balance (excluding any new daily Periodic 
   person will be an Authorized User. You should think carefully before 
                                         Rate interest charges and any new Balance Transfer transaction fees, 
   allowing anyone to become an Authorized User because you are 
                                         new Cash Advance transaction fees, and other new fees or charges). 
   allowing that person to use the Account as you can. Each Authorized 
                                         If you pay more than the minimum payment shown on your monthly 
   User must adhere to the terms and conditions of this Agreement.  
                                         statement, you still must make the minimum payment each month 
   You will remain responsible for the use of your Account and each  
                                         until you have fully paid what you owe. Payments may be made via 
   Card issued on your Account according to the terms of this Agreement. 
                                         the following methods:
   This includes your responsibility for paying all charges on your Account 
   made by an Authorized User. You may request an additional Card for  Available Payment Methods:
   use by an Authorized User on your Account. If you do so, this Account    (a)  Through RBC Bank Online Banking � Fund Transfer or Bill Pay;
   may appear on the credit report of that Authorized User. If you have    (b) Over the telephone at 1-888-257-6837;
   previously authorized someone to use your Card or Convenience    (c) By United States mail addressed as follows:
   Checks, and have subsequently withdrawn your authorization, you 
                                                    RBC Bank Cardholder Services
   will continue to be liable for all debts incurred by that person�s 
                                                       P.O. Box 981350
   Unauthorized use of your Card. You must notify us to terminate an 
                                                     Boston, MA 02298-1350
   Authorized User�s permission to use your Account. If you notify us,  
   we may close the Account and/or issue a new Card or Cards with a 
                                         9. Application of Payments. We may allocate the amount of any 
   different Account number. You should also recover and destroy any 
                                         minimum payment you make on your Account in the manner we, 
   Cards, Convenience Checks or any other means of access to your  
                                         in our sole discretion, deem appropriate, unless applicable laws 
   Account from that Authorized User.
                                         mandate a speci?c order for the application of such payments. We 
   5. Credit Limit. You agree that the outstanding balance on your  will allocate any payments you make on your Account in excess 
   Account will not exceed your Credit Limit. The Credit Limit will be  of the minimum payment to balances with the highest ANNUAL 
   indicated in a separate disclosure document and/or on your monthly  PERCENTAGE RATE and then to each successive balance bearing the 
   statement. You may request a Credit Limit increase by calling us toll- next highest ANNUAL PERCENTAGE RATE.
   free at 1-888-257-6837. We may, but are not required to, authorize 
                                         10. Grace Period. The due date for your payment will be at least 21 
   charges that go over your Credit Limit. You must pay any amount over 
                                         days after your Account statement is mailed or otherwise delivered 
   your Credit Limit immediately upon our request. Subject to applicable 
                                         to you. You will be entitled to a grace period free from interest for 
   law and at our discretion, we may increase, reduce or cancel your 
                                         Purchases ?rst appearing on your most recent Account statement if 
   Credit Limit or allow you to exceed your Credit Limit without giving 
                                         you paid the amount of the New Balance on your previous Account 
   notice to you. However, if you have asked us not to do so, we will not 
                                         statement by the due date and you pay the amount of the New Balance 
                                        2
                                                                Joanne Durham
                                                                RBC Bank Cardholder Agreement
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   on your most recent Account statement by the due date. There is no  daily balance for Balance Transfers included in the New Balance on 
   grace period for Balance Transfers or Cash Advances. your Account statement. The average daily balance is calculated at 
                                         the end of the Billing Cycle of your most recent Account statement 
   11. Calculation of Interest. The ANNUAL PERCENTAGE RATES 
                                         by adding together the daily balance of Balance Transfers at the end 
   applicable to your Account are shown on the Disclosure Statement 
                                         of each day during the Billing Cycle and then dividing the sum by the 
   and other disclosure documents which accompany this Agreement 
                                         number of days in the Billing Cycle. The daily balance of Balance 
   and your Card(s). The same ANNUAL PERCENTAGE RATE will apply 
                                         Transfers is calculated by taking the beginning Balance Transfer balance 
   to both Purchases and Balance Transfers, while a different ANNUAL 
                                         each day; adding all new Balance Transfers, promotional transactions 
   PERCENTAGE RATE will apply to Cash Advances. Each ANNUAL 
                                         treated like Balance Transfers, interest on Balance Transfers, and any 
   PERCENTAGE RATE is determined by adding a margin to the Prime 
                                         Balance Transfer transaction fees; and subtracting any payments or 
   Rate. The �Prime Rate� is the highest prime rate as published in 
                                         credits. To calculate the interest charged for the month, you multiply 
   the Money Rates column of the Wall Street Journal, Eastern Edition, 
                                         the average daily balance by the daily interest rate (obtained by 
   on the twentieth day of each month, or the next business day if 
                                         taking the applicable ANNUAL PERCENTAGE RATE and dividing it by 
   the twentieth day is not a business day. The Prime Rate is used to 
                                         the number of days in a year (365)), and then multiply the result by 
   determine the applicable ANNUAL PERCENTAGE RATE for the Billing 
                                         the number of days in the Billing Cycle.
   Cycle beginning in each immediately following calendar month. For 
   example, for a Billing Cycle with a beginning date in November, the  For Cash Advances: The ANNUAL PERCENTAGE RATE applicable to 
   ANNUAL PERCENTAGE RATE applicable during that Billing Cycle will  Cash Advances on your Account will be the Prime Rate plus 16.74%. 
   be determined by the Prime Rate on October 20 of the preceding  There is no grace period for Cash Advances, and we will charge a 
   month. The ANNUAL PERCENTAGE RATE may change from time to time  Finance Charge for your Cash Advances from the date each Cash 
   based on movements up or down of the Prime Rate. Any change in  Advance is made. A Finance Charge consisting of interest will be 
   the ANNUAL PERCENTAGE RATE will equal the up or down movement  imposed at the daily Periodic Rate on the average daily balance 
   in the Prime Rate; it will be effective as of the beginning date of the  for Cash Advances included in the New Balance on your Account 
   Billing Cycle following the change as provided in this paragraph;  statement. The average daily balance is calculated at the end of 
   and it will apply to all Purchases, Balance Transfers, and Cash  the Billing Cycle of your most recent Account statement by adding 
   Advances that are subject to a Finance Charge and other balances  together the daily balance of Cash Advances at the end of each day 
   and transactions subject to a Finance Charge. Any increase in the  during the Billing Cycle and then dividing the sum by the number 
   Prime Rate may result in an increase in (a) the interest charges for  of days in the Billing Cycle. The daily balance of Cash Advances is 
   Purchases, Balance Transfers, and Cash Advances; (b) your minimum  calculated by taking the beginning Cash Advance balance each day; 
   payment; and (c) the outstanding balance on your Account. We  adding all new Cash Advances, promotional transactions treated like 
   reserve the right to choose a comparable new index if the Prime Rate  Cash Advances, interest on Cash Advances, and any Cash Advance 
   is no longer available for our use.   transaction fees; and subtracting any payments or credits. To 
                                         calculate the interest charged for the month, you multiply the average 
   Interest on each balance in your Account is calculated using the 
                                         daily balance by the daily interest rate (obtained by taking the 
   average daily balance method. The minimum interest charge, if any, 
                                         applicable ANNUAL PERCENTAGE RATE and dividing it by the number 
   imposed on your Account will be at least $1.00.
                                         of days in a year (365)), and then multiply the result by the number of 
   For Purchases: If you paid the amount of the New Balance on your  days in the Billing Cycle.
   previous Account statement by the due date and you pay the amount 
                                         12. Transaction Fees. The following transactions are subject to the 
   of the New Balance on your most recent Account Statement by the 
                                         transaction fees described:
   due date, you are entitled to a grace period, and no Finance Charge 
   will be imposed on Purchases made during the current Billing Cycle.  Balance Transfers: For each Balance Transfer and any promotional 
   Otherwise, a Finance Charge consisting of interest will be imposed  transaction treated like a Balance Transfer, we will assess a Balance 
   at the daily Periodic Rate on the average daily balance for Purchases  Transfer transaction fee equal to the greater of $10 or 3% of the 
   included in the New Balance on your Account statement. If you are  amount of the Balance Transfer, but not more than $99 except during 
   entitled to a grace period for Purchases ?rst appearing on your most  an introductory period when there is no maximum limit. Balance 
   recent Account statement but you pay less than the amount of the  Transfer transaction fees will be added to the Balance Transfer 
   New Balance shown on your most recent Account statement, we will  balance on your Account. 
   charge interest on the remaining unpaid Purchase balance from the 
                                         Cash Advances: For each Cash Advance (including the use of an ATM 
   beginning of the current Billing Cycle. If you are not entitled to a grace 
                                         or a Convenience Check) and any promotional transaction treated like 
   period for Purchases, we will charge interest on Purchases from the 
                                         a Cash Advance, we will assess a Cash Advance transaction fee equal 
   date each Purchase is made. The average daily balance is calculated 
                                         to 3.5% of the amount of the Cash Advance, but not less than $5. 
   at the end of the Billing Cycle of your most recent Account statement 
                                         Cash Advance transaction fees will be added to the Cash Advance 
   by adding together the daily balance of Purchases at the end of 
                                         balance on your Account.
   each day during the Billing Cycle and then dividing the sum by the 
   number of days in the Billing Cycle. The daily balance of Purchases  Foreign Currency and Out of Country Transactions: Outside the 50 
   is calculated by taking the beginning Purchase balance each day;  states of the United States, the District of Columbia, Puerto Rico and 
   adding all new Purchases, promotional transactions treated like  the U.S. Virgin Islands, you may use your Card for Purchases from 
   Purchases, and fees; and subtracting any payments or credits. To  merchants or to receive a Cash Advance (other than a Convenience 
   calculate the interest charged for the month, you multiply the average  Check) in either a foreign currency or U.S. dollars. Visa International 
   daily balance by the daily interest rate (obtained by taking the  will convert to U.S. dollars any charge or credit made to your Account 
   applicable ANNUAL PERCENTAGE RATE and dividing it by the number  in a currency other than U.S. dollars. The conversion will be pursuant 
   of days in a year (365)), and then multiply the result by the number of  to the applicable Visa regulations in effect from time to time.
   days in the Billing Cycle.            Currently, the exchange rate for converting the transaction currency 
   For Balance Transfers: There is no grace period for Balance Transfers,  to the billing currency used for processing international transactions 
   and we will charge a Finance Charge for your Balance Transfers from  is (i) a rate selected by Visa from the range of rates available in 
   the date each Balance Transfer is made. A Finance Charge consisting  wholesale currency markets for the applicable central processing 
   of interest will be imposed at the daily Periodic Rate on the average  date, which may vary from the rate Visa itself receives, or (ii) the 
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   government-mandated rate in effect for the applicable central  information. The RBC Rewards Terms and Conditions are available 
   processing date. We will charge a transaction fee of 1.5% of the  for your review at rbcbankrewards.com and are subject to change 
   amount of each Signature card Purchase or Cash Advance, or 3.0%  without notice to you. To request a printed copy, please call  
   of the amount of each Platinum card Purchase or Cash Advance, if  1-877-521-2035.
   the transaction is conducted in a foreign currency. We will post to 
                                         16. Account Review.  At Account opening, your Account is placed in 
   your Account the total amount of the transaction in U.S. dollars. The 
                                         one of several tiers based on your creditworthiness, and your ANNUAL 
   exchange rate may differ from the rate in effect on the date of the 
                                         PERCENTAGE RATE for Purchases and Balance Transfers will be the 
   transaction. These processing and transaction fees will be added to 
                                         margin established for your tier added to the Prime Rate. Periodically, 
   the Purchase balance on your Account.
                                         but at least once every six (6) months, we will review your Account 
   13. Other Fees and Charges. To the extent permitted by applicable  history and creditworthiness and determine whether your Account 
   law, the following fees and charges may be added to your Account  should be moved into a higher or lower tier, thereby increasing or 
   as appropriate:                       reducing, respectively, your ANNUAL PERCENTAGE RATE for Purchases 
                                         and Balance Transfers. To lessen rate volatility, this determination 
   Late Payment Fee: If we do not receive a required minimum payment 
                                         will not result in your Account being moved into a higher or lower 
   by its due date as shown on your Account statement, we will add a 
                                         tier unless the review indicates that your Account should be moved 
   Late Payment fee of $25 to the Purchase balance of your Account on 
                                         more than one (1) tier higher or lower. Correspondingly, your ANNUAL 
   the ?rst business day following such due date. A Late Payment fee of 
                                         PERCENTAGE RATE for Purchases and Balance Transfers will not be 
   $35 will be charged for any further minimum payments not paid by 
                                         increased or reduced until your Account has been moved more than 
   the due date during the next six Billing Cycles. The Late Payment fee 
                                         one (1) tier higher or lower. The foregoing notwithstanding, if your 
   may be reduced or waived in accordance with applicable law.
                                         Account is in the second highest or second lowest tier and an Account 
   Returned Payment Fee: We will add a $25 Returned Payment fee to  review determines your Account should be moved to the highest or 
   the Purchase balance of your Account if a ?nancial institution returns  lowest tier, then your Account will be moved to the highest or lowest 
   your personal or other nonof?cial payment to us unpaid. This fee will  tier and your ANNUAL PERCENTAGE RATE for Purchases and Balance 
   be imposed, even if your payment is later presented and paid by your  Transfers will be increased or reduced accordingly. We will provide you 
   ?nancial institution. A Returned Payment fee of $35 will be charged  with notice of any increases or reductions in the ANNUAL PERCENTAGE 
   for any further payments returned as unpaid during the next six  RATES applicable to your Account as required by law.
   Billing Cycles. The Returned Payment fee may be reduced or waived 
                                         Increases to your ANNUAL PERCENTAGE RATE following an Account 
   in accordance with applicable law.
                                         review will apply only to transactions occurring on and after the date 
   Stop Payment Fee: We will add a $29 Stop Payment fee to the  provided in the notice to you of such increase. Reductions to your 
   Purchase balance of your Account if you ask us to stop payment on  ANNUAL PERCENTAGE RATE will apply both to current and future 
   any Convenience Check drawn on your Account. transactions and to existing balances that are currently at a higher rate.
   Documentation Fee: We will provide copies of billing statements, sales  Except upon the expiration of any introductory or promotional 
   drafts, and payment instruments (�Items�) to you upon request. If you  ANNUAL PERCENTAGE RATES, we will not increase any of the ANNUAL 
   request copies of more than two Items during a Billing Cycle, we will  PERCENTAGE RATES applicable to your Account during the ?rst 12 
   impose a fee of up to $5 for each additional copy of an Item unless  months after Account opening.
   prohibited by applicable law. This fee will be added to the Purchase 
                                         17. Default. You will be in default under the terms of this Agreement if:
   balance of your Account. We will not impose any fee if your request is 
   made in connection with written notice of a billing error.   (a)   You do not make at least the minimum payment on or before 
                                             the payment due date;
   Annual Fee: We may require an annual fee for certain cards that 
                                           (b)   You exceed or try to exceed your Credit Limit without our  
   provide accelerated rewards. See the Disclosure Statement 
                                             permission;
   accompanying this Agreement for details. 
                                           (c)   We reasonably believe that your ability to pay us is materially 
   14. Special Promotional Offers.  From time to time, we may  impaired (for example, if you become subject to bankruptcy 
   offer special rates (such as lower interest rates or fee waivers)  or insolvency proceedings or if an attachment or garnishment 
   through Balance Transfer or other promotional programs. If  proceeding is instituted against you or your property);
   you take advantage of one of these promotional programs, the    (d)  You provide us with false information or a false signature;
   resulting balance will be subject to the terms made in that speci?c    (e)  You die; or
   promotional offer. Promotional offers may be treated as either    (f)   You fail to comply with any provision of this Agreement.
   Balance Transfer or Cash Advance transactions. Each offer will 
                                         If you are in default, we can require that the total outstanding 
   provide details about the terms of the promotion, including the 
                                         balance on your Account be paid in full. Where required by state law, 
   ANNUAL PERCENTAGE RATE and the corresponding daily Periodic 
                                         we will provide you with Notice and a Right to Cure in accordance 
   Rate used in determining your interest charge, any transaction 
                                         with that law. Our acceptance of a payment after the payment due 
   fees, the effective dates, and any grace period. These promotional 
                                         date or after you have exceeded your Credit Limit does not waive 
   programs or introductory rates will be in effect for at least six (6) 
                                         the default. We may report information about your Account to credit 
   Billing Cycles. Convenience Checks, Balance Transfer checks, and 
                                         bureaus. Late payments, missed payments, or other defaults on your 
   other promotional programs may not be used to pay all or any 
                                         Account may be re?ected in your credit report. Interest charges are 
   portion of any outstanding balance or other obligation you owe us or 
                                         payable both before and after you default or we obtain a judgment 
   our af?liates. We reserve the right to decline any standard ANNUAL 
                                         for any amount that you owe us.
   PERCENTAGE RATE Balance Transfer transactions (including Balance 
   Transfer checks) on your Account.     18. Termination. You may terminate this Agreement at any time. We 
                                         may terminate this Agreement, suspend your credit privileges under 
   15. RBC Rewards. Your credit card allows you to earn RBC Rewards �  
                                         this Agreement, or not renew your Account beyond the expiration 
   points, which can be redeemed for merchandise, travel and other 
                                         date printed on your Card upon sending written notice to you. You 
   rewards. The RBC Rewards Terms and Conditions set out the terms 
                                         will not make or try to make any Purchases or Balance Transfers or 
   of your participation in the RBC Rewards program including points 
                                         obtain or try to obtain any Cash Advances from your Account after 
   expiration, pooling points, transferring points and other important 
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                                                                RBC Bank Cardholder Agreement
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   your credit privileges have been terminated or suspended. In any  us harmless from any claims, actions, or damages resulting from 
   event, this Agreement shall otherwise remain in full force and effect  your use of any of these features, services, or enhancements, when 
   until you pay all sums due to us.     permitted by applicable law. We reserve the right to adjust, add, or 
                                         delete bene?ts and services at any time.
   19. Ownership of Card. Your Card and any Convenience Checks or  
   any other credit instrument or device that we supply to you is our  24. Applicable Law. This Agreement will be governed by the laws of 
   property and must be returned to us or our agent immediately upon  the United States of America and the State of Georgia. If there is any 
   demand. At our request, you will destroy your Card, Convenience  con?ict between any of the terms and conditions of this Agreement 
   Checks and/or other credit instruments or devices by cutting it in  and applicable federal or state law, this Agreement will be considered 
   half, and you will mail it to us or our agent or otherwise dispose of it  changed to the extent necessary to comply with the law.
   as we may direct.
                                         25. Waiver. Our failure to exercise, or our delay in exercising, any of 
   20. Military Credit Disclosures. (effective October 3, 2017)  our rights under this Agreement for any reason will not mean that we 
   Federal law provides important protections to members of the Armed  will be unable to exercise those rights later.
   Forces and their dependents relating to extensions of consumer 
                                         26. Severability. The invalidity of any provision of the Agreement will 
   credit. In general, the cost of consumer credit to a member of the 
                                         not affect the validity of any other provision.
   Armed Forces and his or her dependent may not exceed an annual 
   percentage rate of 36 percent. This rate must include, as applicable  27. Entire Agreement. This Agreement, the Disclosure Statement, and 
   to the credit transaction or account, the costs associated with credit  accompanying disclosure documents, as modi?ed by any change in 
   insurance premiums; fees for ancillary products sold in connection  terms we may deliver from time to time in accordance with applicable 
   with the credit transaction; any application fee charged (other than  law, constitute the entire agreement between you and us, and 
   certain application fees for speci?ed credit transactions or accounts);  supersede any prior negotiation or understanding between you and 
   and any participation fee charged (other than certain participation  us concerning the subject matter of this Agreement. Section headings 
   fees for a credit card account).      are for convenience only and are to be disregarded when interpreting 
                                         this Agreement.
   Applicants who are on active military duty or are a dependent of a 
   person currently on active military duty may call 1-855-724-0468  28. Glossary of Terms. The following de?nitions apply to words used 
   to hear about this transaction�s Military APR and account-opening  in this Agreement and on your Account statement:
   disclosure.                            Account � The credit card account(s) approved by us for your use 
   21. Assignment and Amendment.  We have the right to assign  which is subject to the terms and conditions of this Agreement.
   or transfer our rights under this Agreement and any amount you  Annual Percentage Rate � The cost of your credit as a yearly rate.
   owe to us. In that case, the terms �we,� �us,� �our,� �Bank� and 
                                          Authorized User � The natural person and/or legal entity to whom 
   �RBC Bank� shall be deemed to include each and every immediate 
                                          you have authorized us to issue a Card.
   and successive assignee. You do not have the right to assign or 
   transfer your rights under this Agreement. We may amend the  Balance Transfer � The transfer of the balance from a credit card account 
   terms and conditions of this Agreement at any time upon notice  or other credit account to this Account approved by us in your name.
   to you as required by law. The terms of such amendment(s) shall 
                                          Billing Cycle � The time interval between the dates of your regular 
   be applied to any outstanding, unpaid balance owed to us on the 
                                          monthly billing statements.
   effective date, except as otherwise provided by applicable law. If 
   you continue to use or maintain your Account after the effective date  Card � Any credit card(s) that is subject to this Agreement which is 
   of such amendment(s), you will be deemed to have accepted the  issued to you or to another user to whom you authorize us to issue 
   amendment(s) and you will be bound by the new terms. the Card. You agree that you will be deemed to be using the Card 
                                          when you obtain credit by using only your Account number.
   22. Personal Data and Credit Inquiries. Subject to applicable law, we 
   will disclose information to third parties about you and your Account  Cardholder � The natural person and/or legal entity to whom a Card 
   or the Balance Transfers you make:     is issued upon the request or application of that natural person 
                                          and/or legal entity, or a natural person and/or legal entity who has 
     (a)  Where it is necessary for completing Balance Transfers; 
                                          agreed with us to pay obligations arising from the issuance of a 
     (b)   To verify the existence and condition of your Account for third 
                                          Card to another person.
      parties, such as credit bureaus or merchants;
     (c)  To comply with government agency or court orders; Cash Advance � Credit extended to you by us in the form of loans. 
     (d)   As otherwise required or permitted by law or government   Cash Advances are made when you (1) present the Card to us or to 
      regulation;                         any ?nancial institution honoring the Card, (2) sign a check for the 
     (e)   To provide you emergency cash or card replacement services  purpose of obtaining a Cash Advance, or (3) use any other credit 
      through Visa U.S.A. Inc. and its members and contractors; instrument, device or automated teller machine that we have made 
     (f)   If you give us permission; and available to you for the purpose of obtaining a Cash Advance. Cash-
     (g)   As stated in the RBC Privacy Notice. like transactions, which are transactions similar to cash, are also 
                                          treated as Cash Advances. Cash-like transactions include, without 
   You authorize us to make or have made any credit, employment, and 
                                          limitation, money orders, wire transfers, travelers� checks, and 
   investigative inquiries we deem appropriate related to the extension 
                                          gaming transactions (including betting, off-track betting, race track 
   or collection of credit under your Account. If you dispute any credit 
                                          wagers, casino gaming chips, and lottery tickets).
   information we report about you, you may notify us at RBC Bank 
   Cardholder Services, P.O. Box 869, Buffalo, NY 14240-0869 or call us  Convenience Check � A draft that looks like other checks but is 
   at 1-888-257-6837.                     drawn on the credit available in your Account.
   23. Other Products and Services. From time to time, new products,  Credit Limit � The maximum amount of credit available to you from 
   optional services, or enhancements (for example, insurance or  the Account as established by us.
   credit card registration) may be offered on your Account. We are not 
                                          Disclosure Statement � The Summary of Credit Terms in tabular 
   liable for these features, services and enhancements, as they are 
                                          format on the front of this Agreement containing certain information 
   the sole responsibility of the third party provider. You agree to hold 
                                          required to be disclosed upon the opening of your Account.
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    Finance Charge � The cost of credit extended to you from the Account    2.  Within 90 days of receiving your letter, we must either correct  
    as a dollar amount. The Finance Charge is derived by applying a daily  the error or explain to you why we believe the bill is correct.
    Periodic Rate to the average daily balance of your Cash Advances, 
                                         While we investigate whether or not there has been an error: 
    Balance Transfers, and Purchases and from certain transaction fees 
                                           �  We cannot try to collect the amount in question, or report you as 
    and minimum Finance Charges set forth in this Agreement.
                                            delinquent regarding that amount.
    New Balance � The balance outstanding on your Account on the last    �  The charge in question may remain on your statement, and we 
    day of a Billing Cycle.                may continue to charge you interest on that amount.
                                           �  While you do not have to pay the amount in question, you are 
    Overdraft Protection � A link between your Account and your  
                                            responsible for the remainder of your balance.
    RBC Bank checking account that covers any shortage of funds in 
                                           � We can apply any unpaid amount against your Credit Limit.
    the checking account when checks are presented for payment. Any 
    funds used for Overdraft Protection are treated as Cash Advances in  After we ?nish our investigation, one of two things will happen:
    terms of having no grace period from Finance Charges.   �  If we made a mistake: You will not have to pay the amount in 
                                            question or any interest or other fees related to that amount.
    Periodic Rate � The percentage of interest that is applied to the average 
                                           �  If we do not believe there was a mistake: You will have to pay the 
    daily balance of Cash Advances, Balance Transfers, and Purchases 
                                            amount in question, along with applicable interest and fees. We will 
    for a period. A daily Periodic Rate is used in this Agreement. The 
                                            send you a statement of the amount you owe and the date payment 
    daily Periodic Rate will be equal to 1/365th of its corresponding  
                                            is due. We may then report you as delinquent if you do not pay the 
    ANNUAL PERCENTAGE RATE and the daily Periodic Rate will vary 
                                            amount we think you owe.
    when the ANNUAL PERCENTAGE RATE varies.
                                         If you receive our explanation but still believe your bill is wrong, you 
    Previous Balance � The balance outstanding on your Account at the 
                                         must write to us within 10 days telling us that you still refuse to pay.  
    beginning of a Billing Cycle. (It is the same amount that was shown 
                                         If you do so, we cannot report you as delinquent without also 
    as �New Balance� on the statement for the preceding Billing Cycle.)
                                         reporting that you are questioning your bill. We must tell you the 
    Purchase � Credit extended by us to you when you purchase goods,  name of anyone to whom we reported you as delinquent, and we 
    labor, insurance or services through sellers and lessors that honor  must let those organizations know when the matter has been settled 
    your Card.                           between us.
    Unauthorized � A transaction is considered �unauthorized� if it is  If we do not follow all of the rules above, you do not have to pay the 
    initiated by someone other than you (the Cardholder) without your actual  ?rst $50 of the amount you question even if your bill is correct.
    or apparent authority, and you receive no bene?t from the transaction. 
   29. Billing Rights:                    Your Rights If You Are Dissatis?ed With Your Credit Card Purchases
                Your Billing Rights:     If you are dissatis?ed with the goods or services that you have 
            Keep This Document for Future Use purchased with your credit card, and you have tried in good faith to 
     This notice tells you about your rights and our responsibilities  correct the problem with the merchant, you may have the right not  
             under the Fair Credit Billing Act. to pay the remaining amount due on the Purchase.
                                         To use this right, all of the following must be true:
        What To Do If You Find A Mistake On Your Statement   1.  The Purchase must have been made in your home state or within 
                                            100 miles of your current mailing address, and the Purchase 
     If you think there is an error on your statement, write to us at: price must have been more than $50. (Note: Neither of these are 
   RBC Bank Cardholder Services, P.O. Box 869, Buffalo, NY 14240-0869  necessary if your Purchase was based on an advertisement we 
                                            mailed to you, or if we own the company that sold you the goods 
   In your letter, give us the following information: or services.)
    � Account information: Your name and Account number.   2.  You must have used your credit card for the Purchase. Purchases 
    � Dollar amount: The dollar amount of the suspected error. made with cash advances from an ATM or with a check that  
     �  Description of problem: If you think there is an error on your bill,  accesses your credit card account do not qualify.
     describe what you believe is wrong and why you believe it is     3. You must not yet have fully paid for the Purchase.
     a mistake.
                                         If all of the criteria above are met and you are still dissatis?ed with 
   You must contact us:                  the Purchase, contact us in writing at: 
     � Within 60 days after the error appeared on your statement; RBC Bank Cardholder Services, P.O. Box 869, Buffalo, NY 14240-0869
     �  At least 3 business days before an automated payment is  
     scheduled if you want to stop payment on the amount you  
                                         While we investigate, the same rules apply to the disputed amount as 
     think is wrong.
                                         discussed above. After we ?nish our investigation, we will tell you our 
   You must notify us of any potential errors in writing. You may call us,  decision. At that point, if we think you owe an amount and you do not 
   but if you do we are not required to investigate any potential errors  pay, we may report you as delinquent.
   and you may have to pay the amount in question.
                                         If you would like to learn more about factors to consider when
         What Will Happen After We Receive Your Letter shopping for or using a credit card, visit the website of the
   When we receive your letter, we must do two things:  Consumer Financial Protection Bureau at consumer?nance.gov. 
     1.  Within 30 days of receiving your letter, we must tell you that 
      we received your letter. We will also tell you if we have already 
      corrected the error.
   Equal Housing Lender. Member FDIC.
   � / � Trademark(s) of Royal Bank of Canada. Used under license.
   RBC Bank means RBC Bank (Georgia), N.A., a subsidiary of Royal Bank of Canada.
   � RBC Bank (Georgia), N.A. 2020.  VPS107006                         27258 (05/2020)
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