Accessing your money is
Learn
easy with RBC
We know how important it is to have easy access
to your money, especially in the early days of
settling in. With an RBC Royal Bank Client Card
and cheques, you have plenty of options. You
can access your money:
n  t any of the 1,200 RBC branches or
A
4,200 automated teller machines (ATMs)
in Canada displaying the INTERAC† logo
With RBC Online Banking and Telephone
n
Banking services — you can access account
information 24/7 where there is an internet
or telephone connection
n Through INTERAC Direct Payment at more
than 230,000 retailers in Canada — payment
is made directly from your account
n At ATMs outside of Canada that display the
PLUS‡ System symbol
n At more than one million merchants in the
U.S. that use the NYCE‡ Network.
Starting a business
RBC can help you start your business with a
specialized business banking offer and advice.
This package will help keep your start-up costs
down and ensure you have what you need to
get your business up and running.
n  5 fully personalized single cheques
1 visit www.rbcrewards.com or call 1-800 ROYAL® 1-2 (1-800-769-2512).
n Five triplicate deposit slips
n 0.1% bonus on the posted rate on a
one-year cashable GIC
We also have the “Starting a Business” and
“Managing Risk for a Business” guidebooks.
Speak to an RBC business banking specialist
to learn more.
Sending money overseas
With RBC International Remittance®, you can send
money to over 120 countries worldwide without
having to leave home15. Using RBC Online Banking16,
the funds are sent directly from your RBC personal
banking account to the recipient’s account or bank
from any computer that has internet access17.
more online at rbcroyalbank.com/internationalre-
mittance. RBC Welcome to
Strength you can trust Canada package 1
Founded in 1864, RBC is Canada’s largest bank18
We have:
n The largest branch and ATM network in the We’re here to help
country
n Service by phone in more than 180 languages Feel confident in your banking decisions,
n A strong international presence with today and in the future. To learn more about
Advice, financial solutions and special offers
operations in over 50 countries and banking at RBC, contact us:
for newcomers
clients in more than 150 countries n  all us at 1-800-769-2511 — we speak
C
n A ranking in the top 10 of the
your language and provide telephone
“World’s Safest Banks”19 service in more than 180 languages.
n F or dedicated service in Mandarin or
Cantonese, call 1-888-769-2598.
n Visit any RBC branch.
®
 Registered trademarks of Royal Bank of Canada. RBC and Royal Bank are registered
trademarks of Royal Bank of Canada.
‡
All other trademarks are the property of their respective owners and are used under n  isit our comprehensive website for
V
licence where applicable.
†
Registered trademark of Interac Inc. Used under licence. newcomers to Canada at rbc.com/canada.
* Coverage underwritten by RBC General Insurance Company in the Province of Quebec and
by RBC Travel insurance Company in the rest of Canada. This site is also available in French at
1
Some conditions apply. See branch for details. Newcomers to Canada must have arrived
rbc.com/francais/canada and in Simplified
in Canada within the last year and must show proof of immigration. Also available to
Newcomers to Canada that have arrived between 1 – 3 years when clients switch their
account from another financial institution using CustomSwitch®. This offer may be withdrawn Chinese at rbc.com/chinese/canada.
at any time and is subject to change without notice.
2
 Some ATM operators apply a surcharge (also known as a convenience fee) for use of their
banking machine. This fee will not be waived as part of this package.
3
Must be used during the monthly cycle in which the transactions or transfers were made.
4
Totals are not cumulative, and if not used, they cannot be carried over into the next
applicable month or year.
5
Subject to credit approval.
6
RBC Rewards points are earned on purchases only; they are not earned on cash advances
(including RBC Royal Bank credit card cheques, balance transfers, cash-like transactions
and certain bill payments), interest charges or fees, and credits for returns and adjustments
will reduce or cancel the points earned by the amounts originally charged.
7
For terms, conditions and restrictions that apply to the RBC Rewards program,
8
Cityfone Telecommunications Inc. (“Cityfone”), operated by Rogers Communications
Partnership, is the reseller, biller and wireless service provider for the Talk & Save wireless
program and provides all customer support and enrolment.
9
Wireless usage is charged on a per minute basis and is rounded off to the next minute.
Additional local wireless usage is $0.35/minute. Additional charges for 911 emergency
services as requested by the provincial governments: QC $0.40/mth, SK $0.38/mth,
NS $0.43/mth, PEI $0.50/mth, NB $0.53/mth. 411 calls ($2/call plus airtime), roaming,
optional services, data use ($0.05/KB plus any specified download fee) and taxes are extra.
Evening minutes: Mon – Thu 9 p.m. – 7 a.m. Weekend minutes: Fri 9 p.m. – Mon 7 a.m.
10
Airtime rate of $0.35/min applies. Wireless long distance (LD) rate of $0.35/min applies to
calls made within Canada, from Canada to the continental United States and to LD minutes
used above the 55 minutes/month allotted to the $25/month plan.
11
30-day money back guarantee: Phone must be returned in its original condition at subscriber’s
cost within 30 days from delivery and have been used for 30 minutes of airtime and 150 KB
of data. A restocking fee will be charged for phones returned without all components or if
any are damaged. You are still responsible for the prorated plan fees and usage charges.
After 30 days, an early cancellation fee of $20 times the number of months remaining in
the contract term to a maximum of $300 applies or if a cancellation fee is prescribed by ap-
plicable provincial laws, the maximum amount as may be prescribed or determined by such
applicable provincial laws.
12
Offered exclusively to RBC Royal Bank credit cardholders and conveniently charged to your
RBC Royal Bank credit card account. Offer not available in RBC branches.
13
Where available.
14
This offer may be withdrawn at any time without notice; interest rates are subject to change
without notice.
15
Not available in the U.S., Puerto Rico, Canada and restricted countries. Maximum of $1,000
Canadian or Canadian equivalent dollars per client per 24-hour period.
16
RBC Online Banking is provided by Royal Bank of Canada.
17
You cannot remit funds from a U.S. dollar account or the RBC High Interest eSavings® account.
18
As measured by market capitalization and assets.
19
Rated by Global Finance magazine in Feb 2009. 30048 (09/2010)
Everything you need
to get settled quickly
and easily
Moving to another country is exciting. Let us help
you make the transition as easy as possible.
When you’re looking to become established in a new
country, one of the first things you need is a banking
partner you can rely on to help you with all of your
financial questions. In Canada, there’s no better
place to begin than right here at RBC Royal Bank®.
We’ve put together a tailored package of banking
products and services to help you get settled in
Canada easier. It provides you with everything you
need to manage your finances effectively — and
could help you create the life you’ve been dreaming of.
A free guidebook to help
you get settled
As you settle into your new life, you may find that
you have a lot of questions. That’s why we’ve included
as part of the Welcome to Canada package an RBC®
advice guidebook that provides useful information
and advice covering the topics newcomers ask about
most often. The “Understanding Banking in Canada”
guide is full of useful information to help you become
financially established so you can create the future
you want for yourself and your family. Simply come
into any RBC branch to take advantage of the RBC
Welcome to Canada package, and this exclusive
advice guide is yours free!
RBC Welcome to Canada package
The RBC Welcome to Canada package includes a suite of products and services that will address your immediate needs and provide you with
valuable savings you can take advantage of now:
An all-inclusive banking account with unlimited
transactions and free personalized cheques
The RBC Signature No Limit Banking account offers great
® your credit history right away.
value, savings and convenience. Take advantage of our
offer on this all-inclusive banking account — open an
RBC Signature No Limit Banking account and we’ll waive the
fees1 for the first six months. Over this period you will get a
sense of how many transactions and services you require
on a monthly basis. This will help you decide whether the
RBC Signature No Limit Banking account is right for you.
The RBC Signature No Limit Banking account offers:
n Unlimited debit transactions
n Free personalized cheques
n Three non-RBC ATM transaction fees refunded per month
2 3
n Two free Interac Email Money Transfers per month ,
3
which you can use to email payments to other
people at any Canadian financial institution
n 12 drafts per year at no fee
4
n Free online banking with a bill payment facility
and much more
You can also choose from a range of banking accounts
in the RBC portfolio.
No Annual Fee credit card to help you build your
Canadian credit history
With the Welcome to Canada package, you can also apply
for the RBC Rewards® Visa‡ Gold card5. This is a no annual
fee credit card that helps you get your first credit card in
Canada quickly and easily so that you can start building
The RBC Rewards Visa Gold card is a convenient
payment method that is safer than carrying cash. It is a
budgeting tool that helps keep track of your spending
on your monthly statement and can be essential for
certain services such as setting up a mobile phone
contract, renting a DVD, booking travel or making
online purchases. And you will earn one RBC Rewards
point for every $2 charged to the card6.
You can redeem your RBC Rewards points for merchandise,
gift certificates/cards, travel and more7. The RBC Rewards
Visa Gold card also offers Zero Liability, which means
you are not liable for fraudulent card transactions,
provided you take reasonable precautions to protect your
PIN and your card. You are also protected with Purchase
Security and Extended Warranty* for purchases made
on your RBC Rewards Visa Gold card.
You can also choose from a range of other credit cards
in the RBC Royal Bank portfolio.
Special offer on cell phone service
With your RBC Royal Bank credit card, you will also
be eligible for a cell phone package through the
Talk & Save® wireless program8:
n No cost phone without a contract obligation
n Plans starting as low as $15 per month9
n $25 per month plan with 100 weekday minutes,
1,000 evening and weekend minutes and
55 long distance minutes10
n No system access fees
n Easy ordering and free delivery
n 30-day money-back guarantee11
n Global coverage
And it’s conveniently charged to your RBC Royal
Bank credit card12! For details, visit www.talkand-
save.ca/wireless or call 1-888-499-9618.
Safe deposit box to store your valuables —
FREE for one year1
Keep your important documents, jewelry and other
family valuables safe from harm. We’ll give you
one year’s free rental of a small safe deposit box13
at an RBC branch when you open an RBC Signature
No Limit Banking account. You’ll save $40.
Investment account to earn extra interest on
your savings
Enjoy a preferred14 interest rate when you invest
in a non-redeemable RBC Royal Bank guaranteed
investment certificate (GIC)1 with a term of
one year or more.