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Business accountsand servicesStandard feesand charges

ContentsSolutions tailored to your business needs 2Documents you’ll need with you toopen a business deposit account 2Standard fees and charges 4Business bank accounts 11RBC Digital Choice Business account package 11 RBC Flex Choice Business account package 12RBC Ultimate Business account package 13RBC Business Essentials Savings Account 14RBC High Interest Notice Account 15Royal Business Premium Investment Account 16U.S. Business Current Account 17Online Foreign Currency Account 17Royal Business Community Account 18RBC AgriInvest Account 19Discontinued accounts 20Bank when and how you want 22RBC Mobile Cheque Deposit 26Cheque-Pro – Electronic chequedepositing solution 26Investments for your business 26Foreign exchange services 26Moneris payment processing 27Credit options to manage your business 27Business insurance – Protecting your investment 29Travel insurance – Protection while you travel 29Cash Management Services 29Important information 30

2 RBC Royal BankSolutions tailored to yourbusiness needsWhether you’re just starting out or alreadyrunning a successful business, having the rightbusiness banking solution can make all thedifference.This brochure provides all the information youneed to open an account, plus it outlines thestandard fees and charges that apply tobusiness deposit accounts. Information aboutadditional products and services is available atany RBC Royal Bank branch or by visitingrbc.com.After reviewing this brochure, if you have anyfurther questions, please speak to your RBC account manager or call one of our businessadvisors at 1-800-769-2520 to discuss youroptions.Documents you’ll need withyou to open a business depositaccountPlease ensure that all individuals who areowners or signing officers attend and bring:n Documents that provide their full legal name,date of birth and residence addressn One piece of unexpired, original governmentissued photo identification for each owner/signing officerExamples of acceptable identification are:– Canadian or U.S. driver’s licence– Canadian or foreign passport– Canadian Citizenship Certificate– Canadian Permanent Resident Card– Certificate of Indian Status cardIn Canada, you must also provide a fewadditional key documents. The table on the nextpage provides examples of the documents thatmay be required.

Business accounts and services 3Documents required based on business structureSole proprietorships or partnershipsnn rade name registration or master businessTlicence, if applicable Registered declaration of partnership or a copy ofyour partnership agreement (where provincial lawdoes not require registration)Corporations or incorporated not-for-profitorganizationsnnnnn rticles of IncorporationA If you are incorporated for more than 12 months,one of the following government-issueddocuments:– Certificate of Status (also referred to as aCertificate of Good Standing or Certificateof Compliance)– Annual government filing (where corporationhas been in existence for more than a year)– Business licence or vendor permits– Company’s most recent Notice of Assessment(income tax assessment)– Business number Trade name registration or master businesslicence, if applicable Charitable registration number if registered asnot-for-profit For federal not-for-profit corporations,confirmation that the corporation is governed bythe new Canada Not-for-profit Corporations Act –e.g., Certificate of Continuance attachingArticles of Continuance under the ActUnincorporated associations/community groups/not-for-profit organizationsnnn rade name registration or master businessTlicence, if applicable Articles of Association or the association’soriginal constitution and bylaws Charitable registration number if registeredas not-for-profit

4 RBC Royal BankStandard fees and chargesRBC offers many products and services tohelp manage your RBC Royal Bank businessdeposit account.The following are some of the products andservices offered at RBC Royal Bank and theapplicable standard fees and charges. In somecases, depending on the business depositaccount you have, some of these services maybe included in your account package.Automated Teller Machine (ATM)/Card ServicesBanking machine accessInterac‡ 1.50 per withdrawalPLUS System(within North America) 3.00 per withdrawalPLUS System(outside North America) 5.00 per withdrawal‡Cross-border debitsCross-border point-of-salepurchase when using abusiness client card outsideCanada (in addition to debittransaction fee) 1.00 eachThe cross-border debit fee is charged after a foreigncurrency purchase has been converted to Canadiandollars at an exchange rate 2.5% over the InterbankSpot Rate (as defined by Interac Corp.) in effect atthe time of processing. Exchange rates fluctuate, andas such, the rate applied will usually differ from theposted exchange rate at the time of the purchase.DepositsCurrency depositedNight and Day Deposit1 2.25 per 1,000ATM deposit 2.25 per 1,000In-branch deposit 2.50 per 1,000Currency suppliedCash 1.00 per 1,000Coin rolled and counted 0.16 per roll

Business accounts and services 5Cheque-Pro Cheque-Pro 35.00 per scanner,per monthCheque-Pro Plus 75.00 per scanner,per monthScanners must be purchased separately.Depository servicesNight and Day Deposit bags1From 15.00 per50 bagsFrom 30.00 per100 bagsFrom 60.00 per200 bagsFrom 135.00 per500 bagsFrom 270.00 per1,000 bagsDeposits/creditsElectronic 0.75 eachPaper 1.25 eachItems depositedCdn or U.S. dollars 0.22 eachItems deposited, returned unpaidReturned for any reason 7.00 per itemTrusteed Deposit ServiceMonthly maintenance fee –which includes 200 accounts 75.00 minimumMonthly maintenance fee foreach additional accountover the initial 200 accounts 1.50 per accountOptional fees – reports 40.00 per report,per monthU.S. float feeA U.S. float fee is charged when same-day value isgiven for U.S. cheques deposited into an account andgiven credit, but settlement is not received from thebank on which the cheques are drawn until severaldays later. The U.S. float fee may be charged as avariable fee when the average monthly credit balancein the account is less than the average monthly U.S.float-balance requirement. If the account balance isequal to or greater than the average monthlyfloat-balance requirement, the U.S. float fee may becharged.Ask your RBC account manager for details about theapplication of this fee and how it may apply to yourbusiness deposit accounts.

6 RBC Royal BankPaymentsBill payments(including acceptance of payment of accounts)Self-serve through RBCOnline Banking for businessNo chargeAssisted request via anyRBC Royal Bank branchNo chargeNon-RBC Royal Bank clientpayments 3.00 eachCheque certification(for business deposit accounts only)Presented by issuer 20.00 eachPresented by non-issuer(RBC Royal Bank client) 30.00 eachPresented by non-issuer(Non-RBC Royal Bank client) 40.00 eachCheque conversionsCheque written in a currencyother than that of the account 20.00 eachCheques/debitsElectronic 0.75 eachPaper 1.25 eachCheque testingTo test, when requested by aclient, the quality of a stockof cheques printed by anon-certified printingcompany to ensure chequequality meets processingstandards 50.00 per requestNon-Magnetic Ink Character Recognition (MICR)encoded itemsItems 5.00 eachNot sufficient funds (NSF)Item returned NSF(e.g. cheque, pre-authorizeddebit) 45.00 each

Business accounts and services 7Overdraft handling2Cheques/debits paid inaddition to regular accountfees and overdraft interest 5.00 per itemPayment itemsDrafts 8.50 eachStop paymentsSelf-serve viaRBC Online Banking 12.50 eachAssisted request bytelephone or at anyRBC Royal Bank branch 25.00 eachU.S. Par Crossed ServiceFee per account 200.00 U.S.per monthSpecially encoded cheques may be eligible for fasterclearing in the U.S. The use of this service is subject toapproval, and certain conditions apply. Please speakwith your RBC account manager to determine if yourbusiness qualifies for this service.Transferring FundsInterac e-Transfer‡Receive e-Transfer with Q&ANo chargeSend e-Transfer 1.50 eachCancel e-Transfer(initial send feenon-refundable)No chargeInterac e-Transfer reclaimfee upon expiry 5.00 when funds arerefunded to sender’saccount by RBCSend Request MoneyFulfil (respond to) a RequestMoneyAutodeposit (receivee-Transfer without Q&A)Service fees apply.Log in to RBC OnlineBanking for businessor the RBC Mobile appfor more information.

8 RBC Royal BankTransfers between business deposit accountsPre-authorized/recurring 2.00 eachTransfer mail advices(if required) 3.00 eachSpecial request/nonrecurring plus transactionfee (verbal requests must beconfirmed in writing) 5.00 eachFinancial ConfirmationsBank confirmations for audit purposesMinimum fee 40.00 eachDetailed fee 40.00 per hourCertificates of loan interest paid forincome tax purposesPre-printed form 5.00 eachPersonalized typed letter 15.00 eachCertificates regarding businessdeposit account balancesStandard form 5.00 eachPersonalized typed letter 15.00 eachBusiness Deposit Account StatementseStatement3No chargeeStatement retrieval(access eStatement whenpaper statement has notbeen turned off) 2.50 per viewPaper statement withoutcheque image pages 3.50 per statementPaper statement withcheque image pages 4.50 per statementInterim statement4 6.00 per statementRBC ATM statement update 0.75 each mini 1.50 each fullSearchesPrinted copies provided by RBC(cheques, deposit slips, pre-authorizedpayments)Up to 90 days 5.00 per itemGreater than 90 days 10.00 per itemMultiple items 40.00 per hour 20.00 minimum

Business accounts and services 9Search for accountsEach record, each name 5.00 per branch 20.00 minimumSearch for recordsEach record 40.00 per hour 20.00 minimumView transaction images for up to 90 days(excludes items made on deposit via ATM)RBC Online Banking whenenrolled in eStatementsNo chargeRBC Online Banking whenreceiving paper statements 1.50 per imageWire Payment ServicesIncoming and outgoing wire payment detailadvicesRBC Express incoming wires 2.00 eachTelephone/fax advice 5.00 eachIncoming wire paymentsIncoming wire payment froman RBC Royal Bank branchlocated in CanadaIncoming wire paymentfrom another financialinstitution locatedanywhere worldwideNo charge 50.00 Cdn/U.S. or less– No chargeOver 50.00 Cdn/U.S.– 17.00 Cdn/U.S.(in currency ofpayment)Outgoing wire payments within Canada or toother countries (most currencies)Self-serve through OnlineBanking for businessStarting at 15.00 eachIn-branch (in person)Starting at 45.00 each(ask for details)In-branch (not in person)Starting at 55.00 each(ask for details)If an International BankAccount Number (IBAN) is notprovided for a wire paymentgoing to countries that useIBANsAdd 35.00 eachAll fees are payable in Canadian dollars regardless ofthe currency of the payment, unless otherwise stated.Additional fees and charges may be deducted from thepayment amount by the receiving financial institutionand/or intermediaries. Fees and charges may vary forwire payment services through other channels such asRBC Express online banking.

10 RBC Royal BankTracing/inquiries (applies to wire payments only)Outgoing wire payments notdelivered as instructed byclientNo chargeOutgoing paymentsdelivered as instructed byclientStarting at 25.00 each(ask for details)Cancellation or amendmentas instructed by clientStarting at 25.00 each(ask for details)Inquiries/traces may be subject to fees and chargesin addition to those collected by RBC and thosedisclosed above.Other Services and FeesAccount closed within 90 days of openingTransfer to another RBCbranch/accountNo chargeTransfer to anotherfinancial institution 20.00Any other reason 10.00Domestic collections (incoming or outgoing) –this service is no longer offered as of June 1, 2017International collections0.5% of each item is subject to a minimum of 50.00and a maximum of 200.00 per item. Each item musthave a minimum value of 100.00 Cdn/U.S.Handling of unclaimed balances in inactivebusiness deposit accountsInactive account fee aftertwo years 20.00 each yearFee is charged after two years of inactivity and up toeight years of inactivity. Notice is sent at two and fiveyears of inactivity. Fee will be waived if notice isacknowledged within 30 days of the mailing date orif the account is reactivated within the specifiedtime period.Dormant account fee 40.00 per accountFee is charged after nine years of inactivity. Accountwill be automatically closed and the remainingbalance will be transferred to the Bank of Canada.Safe deposit boxesRental feeStarting at 60.00 per yearReplacement of 1 lost key 25.00Replacement of 2 lost keysand the drilling of the lock 200.00

Business accounts and services 11Business bank accountsHaving the right business deposit account canmake your day-to-day banking easier and morecost-effective. Choose from a selection ofbusiness account packages, each designed tosupport your full range of banking needs.RBC Digital Choice Business account packageThis account package offers convenience andcost savings to clients who prefer to bankthrough self-serve channels such as RBC RoyalBank ATMs or RBC Online or RBC Mobile Banking.n ow monthly fee, no minimum balanceLrequiredn ervice and support, 24/7, from dedicated RBCSbusiness advisorsn Unlimited electronic debits and credits5n Unlimited RBC Mobile Cheque DepositsRBC Digital Choice Business Account PackageMonthly package fee 5.00Included account transactions per monthElectronic debits or creditsUnlimited5Items depositedUnlimited6Moneris depositsUnlimitedSend money via Interace-Transfer7Up to 10e-Transfers‡Standard fees and charges apply for services andtransactions exceeding included accounttransactions, except as followsPaper debits or cheques 2.50 eachPaper credits or deposits 2.50 eachCash deposited (in-branch) 5.00 per 1,000

12 RBC Royal BankRBC Flex Choice Business account packageThis low fee account package is designed toadapt to the needs of clients with low to mediumtransaction volumes who value the flexibility tobank in multiple channels including RBC OnlineBanking, RBC Royal Bank ATMs, RBC MobileBanking and RBC branches.n Save 40% with our preferred pricing ofelectronic transactions5 in RBC Online Banking,RBC Royal Bank ATMs or RBC Mobile Bankingn No minimum balance requiredRBC Flex Choice Business Account PackageMonthly package fee 6.00Included account transactions per month Items depositedUnlimited6Moneris depositsUnlimitedStandard fees and charges apply for services andtransactions exceeding included accounttransactions

Business accounts and services 13RBC Ultimate Business account packageThis account package provides a comprehensivesolution to clients who have higher transactionvolumes, prefer fee certainty and need to bankthrough multiple channels including RBC OnlineBanking, RBC Royal Bank ATMs, RBC MobileBanking and RBC branchesn Multiple unlimited features included in fixedmonthly feen Annual savings of up to 1,200 in monthly feeswhen required minimum daily balance is heldn Fee waiver of 50.00 set-up fees when enrolledin RBC Express Core Servicesn Additional 10,000 RBC Rewards points7 withthe new RBC Avion Visa Infinite Business‡8 orthe RBC Commercial Avion Visa‡ cardRBC Ultimate Business Account PackageMonthly package fee 100.00Included account transactions per monthPaper debits/cheques or credits/depositsUp to 100Electronic debits or credits5UnlimitedItems deposited6UnlimitedSend money via Interace-Transfer9UnlimitedMoneris depositsUnlimitedCash depositedUp to 25,000Monthly fee waiver10 75,000 (minimumdaily balance)Standard fees and charges apply for services andtransactions exceeding included accounttransactions

14 RBC Royal BankRBC Business Essentials Savings AccountEarn interest on your surplus cash with theRBC Business Essentials Savings Account – theperfect complement to your business depositaccount used for day-to-day operations.RBC Business Essentials Savings AccountMonthly package feeNoneInterestYes – For informationabout interest rates,please call 1-800-769-2520or visit an RBC Royal Bankbranch.Included account transactions per monthDebits or cheques2Credits or depositsUp to 999Standard fees and charges apply for services andtransactions exceeding included accounttransactions, except as followsDebits or cheques 3.50 eachCredits or deposits 1.00 eachItems deposited 1.00 eachCash deposited 10.00 per 1,000

Business accounts and services 15RBC High Interest Notice AccountKeep surplus funds productive with the RBC HighInterest Notice Account.Earn premium interest on your Canadian orU.S. dollar deposits in excess of 1 million.You can transfer-in funds as often as you want,and they will remain available for withdrawalwith 31 days’ prior notice.For your convenience, the account can be set upin RBC Express online banking for effectiveaccount management.RBC High Interest Notice AccountMonthly package feeNoneInterestYes – For informationabout interest rates, pleasecall 1-800-769-2520 or visitan RBC Royal Bank branch.Included account transactions per monthElectronic debits orcredits for transfersbetween otherRBC Royal Bankaccounts and incomingwire paymentsUnlimitedImportant: Transaction capabilities are limited withthe exception of electronic transfers between otherRBC Royal Bank accounts and incoming wirepayments.Standard fees and charges apply for services andtransactions exceeding included accounttransactions.

16 RBC Royal BankRoyal Business Premium Investment Account Earn competitive interest rates on surplusbusiness funds over 100,000, while keeping themliquid with the Royal Business Premium InvestmentAccount.For your convenience, the account can be set upin RBC Express online banking or RBC Royal BankOnline Banking for effective accountmanagement.Royal Business Premium Investment AccountMonthly package feeNoneInterestYes – For information aboutinterest rates, please call1-800-769-2520 or visit anRBC Royal Bank branch.Included account transactions per monthDebits or cheques2Electronic creditsor depositsUnlimitedStandard fees and charges apply for services andtransactions exceeding included accounttransactions, except as followsDebits or cheques 5.00 eachPaper creditsor deposits 2.50 eachItems deposited 1.00 eachCash deposited 10.00 per 1,000Simplify your U.S. dollar bankingIf you have a U.S. Business Current Account,banking online can help simplify the process ofworking with two currencies.

Business accounts and services 17U.S. Business Current AccountBenefit from the many convenient and flexibleday-to-day banking features with this account.This account is the right choice if you need to:n Make payments in U.S. dollarsn Maintain U.S. dollars when you deposit them –it gives you the convenience of not having toconvert currency for each transactionU.S. Business Current AccountMonthly minimum fee 9.0011Included account transactions per month1 for each 2,500minimum dailybalance on depositDebits or creditsStandard fees and charges apply for services andtransactions exceeding included accounttransactions, except as followsDebits or cheques 1.25 eachCredits or deposits 1.25 eachU.S. Business Current Account fees are chargedand payable in U.S. dollars.Online Foreign Currency AccountThe Online Foreign Currency Account can helpyou minimize foreign currency risk and gainbusiness efficiency. It is a web-based self-serveapplication for businesses that regularly deal incurrencies other than Canadian or U.S. dollars.Eligibility criteria apply. Contact your RBCaccount manager for details.Online Foreign Currency AccountMonthly package fee 25.00Included account transactions per monthElectronic debits1Standard fees and charges apply for services andtransactions exceeding included accounttransactions, except as followsOutgoing accounttransfer fee 10.00 eachIncoming transfer fromRBC Royal BankCdn/U.S. account 10.00 each

18 RBC Royal BankReporting of balancesand

help manage your RBC Royal Bank business deposit account. The following are some of the products and services offered at RBC Royal Bank and the applicable standard fees and charges. In some cases, depending on the business deposit account you have, some of these services may be included in your account package.

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