Buying your first home? RBC Royal Bank can help you save thousands!

Special first-time home buyer offer provided by your realtor. Limited time offer (March 1, 2012 May 31, 2012).

3 Your first mortgage payment is on us

Well pay your first months mortgage payment (principal and interest) when you finance your mortgage with RBC Royal Bank. Plus, all RBC mortgages come with flexible payment features, including Double-Up and Skip-A-Payment options and up to a 30-year amortization.

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

Choose between RBC VIP Banking or RBC Signature No limit Banking and start saving today. See reverse for details.

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

Enter the RBC $25,000 DownpaymentTM Giveaway Contest for your chance to win $25,000 or 1 of 20 $1,000 secondary prizes. Visit www.rbc.com/downpayment for details.

Contact an RBC mortgage specialist today!

Choose between two all-inclusive RBC banking packages

RBC VIP Banking 3 MONTHS with no monthly fee* Monthly debit Non-RBC ATM withdrawals with Interac access fees refunded1 Overdraft protection2,6 Personalized cheques RBC credit card annual fee rebate3,6 Interac e-Transfer Drafts Cross-border debits2 Additional banking accounts Mortgage processing fee

RBC Signature No Limit Banking 6 MONTHS with no monthly fee* Unlimited 3 Interac access fees refunded per monthly cycle Included Included (standard style) Up to $39 rebate on an eligible credit card for applicant only Up to 2 free per monthly cycle4 6 per calendar year4 Up to 2 free per monthly cycle4 n/a n/a Save up to $4007 per year

Unlimited Unlimited Included Included (VIP style) Fully rebated for both applicant and co-applicant on one eligible RBC premium credit card (up to $240 value) Up to 2 free per monthly cycle4 12 per calendar year4 Unlimited Includes two additional Canadian-dollar accounts5 plus one U.S.-dollar account Included ($250 value) Save up to $1,0007 per year

/ TM Registered trademark(s) 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 owner(s).

Offer only available to first-time homebuyers who obtain a 5 or 7 year fixed interest rate closed mortgage or an RBC Homeline Plan that has a mortgage segment with a 5 or 7 year fixed interest rate closed. Not available for construction/builder mortgages. To be eligible the mortgage application must be received between March 1, 2012 and May 31, 2012 and mortgage must be funded within 120 days from application and commitment start date. An amount equal to your first monthly payment (principal and interest) will be credited to your RBC Royal Bank account within five business days of the mortgage being funded. You will pay all applicable insurance fees and taxes associated with this first monthly payment. The eligible payment will be calculated based on a 25-year amortization. The amount to be credited to your RBC Royal Bank account is a cash back amount and if you renew early, convert early or pay out the mortgage prior to maturity, you will be required to pay the prorated amount of cash back owing to RBC. Customer may change/elect any payment option (i.e. bi-weekly, monthly etc.). Not available in combination with any other offer or rate discount. Other terms and conditions may apply. Offer may be withdrawn or amended without notice at any time. Personal lending products and residential mortgages are offered by Royal Bank of Canada and are subject to its standard lending criteria.
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No purchase necessary. Visit www.rbc.com/downpayment for details.

* Other transaction fees may apply. Existing RBC VIP Banking, RBC Signature No Limit Banking, RBC No Limit Banking or RBC Day to Day Banking account holders are not eligible for this offer. Eligibility requirements for this offer include that the RBC mortgage payments must come from the new RBC bank account, and where applicable, the client must enrol in direct deposit of their payroll or pension to the new RBC account. The fee waiver will begin within one month of account opening depending on statement cycle. Once the offer is completed, the regular monthly fee will apply and will appear on the monthly statement. Offer may be changed or withdrawn at any time. ATM operators apply a surcharge (also known as a convenience fee) for use of their banking machine. Each account cash withdrawal at an ATM outside Canada displaying the PLUS System symbol and any fees that may be imposed by any third party for using the ATM are converted to Canadian dollars at an exchange rate that is 2.5% above the bench mark rate set by the payment card company when the transaction is posted. Exchange rates fluctuate and, as such, the rate applied will usually differ from a posted exchange rate at the time of the transaction. This fee will not be waived as part of this package. 2. Monthly fee waived. Overdraft interest charges will apply when an account is overdrawn. Clients are required to make a deposit of interest due at least once a month. 3 The amount of the annual fee rebate depends on which banking package and eligible credit card you hold. The annual fee rebate applies every year as long as you remain an eligible account owner. Other conditions and restrictions apply. For full offer details and list of eligible credit cards, go to www.rbcroyalbank.com/products/deposits. 4 Totals are not cumulative, and if not used, they cannot be carried over into the next applicable month or year. 5 Eligible Canadian accounts include any two of the following: RBC Day to Day Banking, RBC Enhanced Savings and RBC Day to Day Savings. The eligible US Account is the U.S. Personal Account. All accounts must be in the same geographic location or region. 6 Credit card and overdraft protection subject to credit approval. 7 Savings are based on a comparison of the cost of banking service fees for a typical account holder with an RBC Day to Day Banking account versus an RBC Signature No Limit Banking account or VIP Banking account. Please visit www.rbc.com/accountselector for full details on how these savings have been calculated.
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VPS67462

23100 (02/2012)