Register Your RBC Royal Bank ® Card

Earn 500 Bonus Points Just for Registering

Step 1 - Enter Card Information

Please enter your billing address as is appears on your RBC Rewards™ Visa Platinum Credit Card statement.

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Please enter your RBC Rewards™ Visa Platinum Credit Card number and expiration date:

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(Please enter the same identification number used when filling out your RBC Rewards Visa Platinum card application)

 

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Email Address

Please provide your email address so we may communicate with you regarding redemptions and important information about your account.

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Member Communications

To update your billing address, please contact a Customer Service Representative.

RBC Rewards Programme - Terms and Conditions

1. What the Words Mean:

"Account" means the RBC Rewards™ Visa Platinum† account in the name of the Primary Cardholder (and includes a joint account applied for by more than one person) or RBC Rewards™ Visa Platinum† Business account opened in the name of the Business Customer maintained by the Bank in relation to the Card Transactions or Business Card Transactions.

"Account in Good Standing" means an Account that is not more than two (2) Account Statement periods past due; is not closed; charged off or in credit revoked status, according to RBC Royal Bank's credit risk policies in effect from time to time;

"Account Statement" means your written statement of the Account prepared each month unless there has been no Account activity or no Debit is owing.

"Additional Cardholder" means any Cardholder on an Account other than the Primary Cardholder of a personal account and the Business Customer of a business account. This can be an authorised user or co-applicant.

"Air Travel Reward" means airline travel booked in exchange for Points;

"Application" means the request made to RBC Royal Bank for the Account and a Card;

"Authorised Cardholder" means a person to whom the Bank has issued an additional Card on the Account at the Primary Cardholder's or Co- Applicant's request or any persons for whose use a business card is issued by the Bank at the request of the Customer and who also has access the RBC Rewards™ Account in order to view the Points Balance, as well as to redeem, pool or purchase Points.

"Business Customer" means an individual and any body corporate or non-corporate in whose name an Account is maintained, and where the Customer consists of two or more persons, then that definition shall throughout mean all or any of them and the liability of such persons shall be joint and several.

"Bank" means the RBC legal entity which maintains the Account.

"Card" means a RBC Royal Bank Credit Card or RBC Royal Bank Business Credit Card and all renewals of and replacements issued by the Bank in the name of the Cardholder or Customer for that credit card;

"Cardholder" means an individual to whom the Bank has issued a RBC Rewards™ Visa Platinum or RBC Rewards™ Visa Business Platinum;

"Cash Advance" means an advance of cash obtained by use of the Credit Card and is charged to the Account and includes the use of a balance transfer, where applicable.

"Cash Back Credit Reward" means a credit applied to an Account in exchange for Points;

"Cash-Like Transaction" means a transaction that involves the purchase of items that are similar to or easily converted to cash and that you designate for treatments as a Cash Advance;

"Co-Applicant" means a joint account holder under the Account.

"My Way Travel Credit Reward" means a credit applied to an Account in order to cover for the purchase of a Travel Reward, in full or on part, in exchange for Points;

"Net Purchases" means purchases of goods and services that you or an Additional Cardholder charges to your Account, less any credits;

"Point(s)" means RBC Rewards™ points earned on purchases made on your RBC Rewards Visa Platinum and RBC Rewards Visa Business Platinum;

"Points Balance" means the points reflected on your Account Statement showing the total number of Points earned to date as well as the points reflected on your online profile at RBCrewardscaribbean.com showing complete details of the individual transactions which earned Points, Points redemptions as well as pooled or purchased Points;

"Primary Cardholder" means the person who has been nominated as such and in whose name the Bank has opened an Account and to whom Account Statements are provided.

"Programme" means the RBC Rewards™ Programme that allows you to earn and redeem Points for Rewards;

"RBC Rewards™ Account" means the nominal account RBC Royal Bank opens and maintains in the name of the Primary Cardholder or Business Customer and Additional Cardholders for the crediting and debiting of Points earned, redeemed, pooled or purchased in connection with the Programme;

"RBC Rewards™ Redemption Chart" means the chart that is used for each Reward in order to indicate, amongst other information, the dollar value of the Reward, the number of Points required to redeem for the Reward as well as the fees applicable to the redemption. The RBC Rewards™ Redemption Charts are subject to change without notice and when applicable, will be updated on the Programme Website at RBCrewardscaribbean.com.

"RBC Royal Bank", "we", "us","our" means, Royal Bank of Canada, RBC Royal Bank N.V., RBC Royal Bank (Aruba) N.V., RBC Royal Bank (Bahamas) Limited or RBC Royal Bank (Barbados) Limited, RBC Royal Bank (Cayman) Limited, or RBC Royal Bank (Trinidad & Tobago) Limited depending on the country in which your Card was issued; and "you" and "your" mean the Primary Cardholder for a personal account and the Business Customer for a business account. In certain circumstances, it can also mean an Additional Cardholder or Cardholder;

"Reward" means Travel Rewards, gift certificates/cards redeemable for merchandise or services at select merchants, Travel Gift Certificates and Statement Credit Rewards which is a Cash Back Credit Reward or My Way Travel Credit Reward;

"Statement Date" means the date indicated as such on an Account Statement, which is the date on which an Account Statement is generated;

"Terms" means these RBC Rewards™ Terms and Conditions;

"Transfer" means the ability for an Authorised Cardholder to transfer Points from their RBC Rewards™ Account to another RBC Rewards™ Account.

"Travel Gift Certificate" means a certificate redeemed in exchange for Points that can be used to pay for future Travel Rewards with Montrose Travel, in full or in part;

"Travel Reward" means Air Travel Rewards, hotel stays, car rentals, cruises, and vacation packages.

You agree with RBC Royal Bank as follows:

2. General

These Terms apply to the Programme. The Programme is a marketing programme that is offered in designated countries in the Caribbean as a benefit for Primary Cardholder, Business Customer and Additional Cardholders on an Account. This Programme is sponsored by RBC Royal Bank and is administered by Kobie Marketing Inc., an independent contractor not affiliated with RBC Royal Bank. These Terms are separate and distinct from your Cardholder Agreement. The Programme (or as applicable, any feature thereof) is not available and is void where prohibited by any law or regulation. The Programme is offered at our sole discretion.

3. Acceptance of Terms

If you activate, sign or use your Card, it will mean that you have received and read these Terms and that you have understood and agreed with us to everything written here. Notwithstanding any other section of these Terms, the posting of the current version of the Terms at RBCrewardscaribbean.com shall be deemed notice to you of such Terms, where notice is required or permitted to be given to you here under.

4. Eligibility

Cardholders are automatically enrolled in the Programme. There are no additional fees to participate in this Programme. However, Points can only be redeemed by creating an account on rbcrewardscaribbean.com or by calling RBC rewards.

The Programme, including earning and redeeming Points, is available to you if you have a Card and an Account in Good Standing. Accounts not in Good Standing will not earn Points. For a personal account, Points in the RBC Rewards™ Account are solely for the benefit of the Primary Cardholder, subject to the rights of an Authorised Cardholder to redeem Points as set out in section 10. For a business account, Points in the RBC Rewards™ Account are solely for the benefit of the Business Customer, subject to the rights of an Authorised Cardholder to redeem Points as set out in section 10. Different rules apply when multiple Accounts are combined or "pooled", as set out in sections 11 through 14 below.

Notwithstanding the foregoing, RBC Royal Bank reserves the right to approve, deny or revoke membership or the right to participate in the Programme with respect to any person for any reason whatsoever, at RBC Royal Bank's sole discretion.

5. Points

The Programme is based on Points. Points cannot be earned until an Account has been established and a Card number has been assigned to you. No retroactive Points will be given. Points have no cash or monetary value, are non-negotiable, and cannot be redeemed either in whole or in part for cash or any other remuneration, except for Rewards and Rewards-related services offered through the Programme described herein. Points do not constitute property of any Cardholder or other person and may not be brokered, bartered, attached, pledged, sold, split or transferred upon disability or death of a Cardholder, operation of law, or in connection with any domestic relations dispute, separation, divorce and/or other legal proceeding.

Bonus Points for website registration, email communication opt-in and first purchase is restricted to one bonus per Account.

6. Earning Points

With your Card, you will earn Points for Net Purchases in USD or local currency charged to your Account during the operation of the Programme. Transactions will be converted from local currency/non-USD transactions to the equivalent USD for the purpose of earning Points, at the pre-set earn ratios listed below:

 

Country

Card Currency

Earn Ratio

1 point

Aruba

Aruban Florins

US Dollar

$1.80 AWG

$1.00 USD

1 point

Cayman Islands

Cayman Islands Dollar

US Dollar

$0.83 KYD

$1.00 USD

1 point

Bahamas

Bahamian Dollar

US Dollar

$1.00 BSD

$1.00 USD

1 point

Barbados

Barbadian Dollar

US Dollar

$0.50 BBD

$1.00 USD

1 point

Bonaire

US Dollar

$1.00 USD

1 point

Curacao

Netherlands Antillean Guilder

US Dollar

$1.82 ANG

$1.00 USD

1 point

Eastern Caribbean

Eastern Caribbean Dollars

$2.7 XCD

1 point

Saba

US Dollar

$1.00 USD

1 point

St. Maarten

Netherlands Antillean Guilder

US Dollar

$1.82 ANG

$1.00 USD

1 point

Trinidad and Tobago

Trinidad and Tobago Dollars

$6.8 TTD


The earn ratios above are subject to change without notice and when applicable, will be updated on the Programme website at RBCrewardscaribbean.com.

Credits for returns, adjustments or disputed charges reflected on your Account Statements during the operation of the Programme will reduce or cancel the Points earned by the amounts originally charged.

No Points shall be earned in respect of Cash Advances, interest charges, fees of any kind, unauthorised charges, redemption or purchase of Points, credit card cheques, lottery tickets, travellers' cheques (those would be Cash-Like Transactions), foreign currency, fraudulent transactions and bail bonds.

Points earned between Tuesday and Saturday, except holidays, will post to your RBC Rewards™ Account two (2) business days after receiving transaction data. Points earned on all other days will post within 72 to 96 hours. Earned Points are calculated on transactions/actual dollars spent rounded (up or down) to the nearest Point. No fractional Points will be awarded.

7. Additional Points

RBC Royal Bank may, but is not obligated to, make arrangements with selected merchants or service establishments from time to time that allow you to earn additional Points for purchases charged to an Account. You will refer to RBCrewardscaribbean.com for full details of these programmes and other opportunities that we may make available to you to earn additional Points from time to time.

Welcome bonus points may be issued to new cardholders who apply for a new card as a Primary Cardholder. The welcome bonus points are only awarded once per customer. Existing RBC Visa Platinum cardholders will be ineligible for any new welcome bonus offers. The bonus offer may be changed, extended or withdrawn at any time without notice. Bonus points will not be issued to Co-applicants, Authorized users or for Card replacements.

8. Points Verification

You will examine promptly your Points Balance each month. You must notify RBC Royal Bank in writing within 60 days from your statement date of any errors in, or objections to, a Points Balance, or an entry recorded in it. You will not obtain any credit for erroneous or omitted Points transactions if you do not notify RBC Royal Bank of the error or omission within sixty (60) days of the date of the erroneous or omitted transaction.

If you have a dispute concerning accrual or redemption of Points and/or other Programme activities, please notify RBC Royal Bank by sending a letter to the address indicated on your Account Statement or by placing a telephone call to the RBC Rewards™ Customer Service Centre. RBC Royal Bank will investigate the matter. If following such investigation RBC Royal Bank determines it appropriate, RBC Royal Bank will re-credit your Points for the amount in dispute, or determine that a different adjustment or no adjustment is necessary. You can view when your Points are scheduled to expire online at RBCrewardscaribbean.com.

9. Records of Points and Rewards

Our records of your Points and/or Rewards shall be final, conclusive and binding on you. We may use a microfilm, electronic or other reproduction method of any Points Balance or other document to establish your Points transactions and balance and/or your Rewards.

10. "Rolling-up" Points

Within an RBC Rewards™ Account

(i) Your personal accounts

Primary Cardholders who have Additional Cardholder(s) on the Account will automatically have their Additional Cardholder(s)' Points "rolled-up" into the Primary Cardholder RBC Rewards™ Account. The Primary Cardholder will have access to view the Points Balance, as well as earn, pool, redeem and purchase Points. Additional Cardholder(s) on the Account will also earn Points but will not have the right to view the Points Balance, nor will they have the right to pool, redeem or purchase Points unless they are an Authorised Cardholder. The Primary Cardholder can assign Authorised Cardholder(s) at RBCrewardscaribbean.com.

(ii) Your business accounts

Business Customers who have Additional Cardholder(s) on the Account will automatically have their Additional Cardholder(s)' Points "rolled-up" into the Business Customer's RBC Rewards™ Account. The Business Customer will have permission to view the Points Balance, as well as earn, redeem and purchase Points. Additional Cardholder(s) on the Account will also earn Points but will not have the right to view the Points Balance, nor will they have the right to redeem or purchase Points unless they are an Authorised Cardholder. The Business Customer must contact their account manager or RBC Royal Bank branch to assign Authorised Cardholder(s).

11. Combining RBC Rewards™ Accounts - personal accounts

Primary Cardholders or Authorised Cardholders may also "pool" the Points earned with their personal account(s) with those earned with any family member's personal account(s). This pooling functionality is available on all personal accounts and there is no limit to the number of RBC Rewards™ Accounts that can be combined. No existing relationship constraints (same last name, street number, etc.) are required to combine RBC Rewards™ Accounts. All requests for combining RBC Rewards™ Accounts and pooling Points must be completed online by the Primary Cardholder or any Authorized Cardholder through the Programme Website at RBCrewardscaribbean.com. You must send an electronic invitation to at least one of the Primary Cardholder or Authorised Cardholder(s) of other RBC Rewards™ Accounts that you would like to join a pool. These Cardholders must accept your invitation before RBC Rewards™ Accounts are combined. These Cardholders must acknowledge the terms for combining RBC Rewards™ Accounts and pooling Points, and fully understand that there is an inherent risk for Cardholders when choosing to pool all of the Points they have earned with their personal account(s) with other Cardholder(s) in the pool.

Additionally, Cardholders in the pool cannot control specifically which other Cardholder(s) in the pool chooses to invite other Cardholder(s) to join the pool. All Cardholders in an existing pool will be alerted by email (provided they have registered a valid email address) when a Cardholder in the pool invites a new Cardholder to join the pool. All accepted invitations must be validated for security purposes i) against the username and password, for Cardholders that have registered on the Programme Website, and ii) against the actual personal account information, for Cardholders not previously registered on the Programme Website.

All Cardholders in the pool will have access to view detailed information on their own RBC Rewards™ Account(s) via the Programme Website by entering their Card login information. Cardholders in the Pool can only see their own personal detailed transaction history attached to their RBC Rewards™ Account, and will have access to view the number of available pooled Points in aggregate. All Cardholders in the pool may redeem any Points available within the pool, regardless of the personal account with which the Points were originally earned. It is critical to understand that when participating in a pool, Points may be redeemed by any Cardholder in the pool without further authorisation or notification from any other Cardholder(s) in the pool. It does not matter who earned the Points when redeeming from the pool, so by accepting to be part of a pool, you agree to relinquish any control over who in the pool redeems Points from the aggregate pool.

All Points accrued, redeemed and expired will be determined based on a first-in, first-out (FIFO) principle, regardless of who earned or redeemed the Points. All Points are time-stamped according to when they are earned by the aggregate Cardholders in the pool. When redeeming, the oldest Points in the aggregate pool (first-in) are the first to be redeemed (first-out), regardless of which Cardholder that has requested the actual redemption, or earned the original Points.

12. Leaving the Pool - personal accounts

All Cardholders who choose to leave a pool must request to be "unlinked" via the Programme Website. Any Cardholder in the pool can remove their RBC Rewards™ Account from the pool at any time and without notice. If a Cardholder in the pool voluntarily or involuntarily closes their personal account, there will not be a proactive reminder to redeem Points in their own RBC Rewards™ Account. Once the personal account is closed, the Points in this Cardholder's RBC Rewards™ Account are automatically surrendered and deducted from the pool. If not closing a personal account, but simply unlinking an RBC Rewards™ Account from the pool, the Points in the departing Cardholder's RBC Rewards™ Account will be retained by that Cardholder, and deducted from the pool. For example, if three (3) Cardholders combine their RBC Rewards™ Account(s) and one (1) Cardholder decides to leave the pool and keep their individual RBC Rewards™ Account segregated, the departing Cardholder's RBC Rewards™ Account is unlinked and the Points earned that have not yet been redeemed are retained on that Cardholder's RBC Rewards™ Account. Also, each Cardholder can only participate in one pool at any time. If a Cardholder that is participating in one pool accepts an invitation to join another pool, the Cardholder will automatically be unlinked from the original pool and all remaining available Points that the Cardholder had accrued in their own RBC Rewards™ Account, but not yet redeemed, will be transferred to the new pool that he/she agreed to participate in. There is no loss or forfeiture of Points in these scenarios.

13. Combining RBC Rewards™ Accounts - business accounts

Business Customers with multiple business accounts in the same operating business name may combine RBC Rewards™ Accounts and "pool" Points earned with their business account(s). Business Customers may also pool their personal account with their business account. This pooling functionality is available on all business accounts and there is no limit to the number of RBC Rewards Accounts that can be combined so long as they are RBC Rewards™ Accounts of the same Business Customer. All requests for combining RBC Rewards™ Accounts and pooling Points must come from a Business Customer and must be completed by an account manager. Business Customers and Authorised Cardholders will have access to view detailed information on each Business Customer's RBC Rewards™ Account(s) via the Programme Website, by entering their Card login information. Business Customers and Authorised Cardholders may redeem any Points available within the pool, regardless of the business account with which the Points were originally earned. It is critical to understand that when participating in a pool, Points may be redeemed by any Business Customer or Authorised Cardholder in the pool without further authorisation or notification to any other Cardholders in the pool. It does not matter who earned the Points when redeeming from the pool, so by accepting to be part of a pool, you agree to relinquish any control over who in your pool redeems Points from the aggregate pool. Only the Business Customer(s) and Authorised Cardholders can access, view, redeem or purchase Points. Only the Business Customer(s) has authorisation to modify, add or delete business and personal accounts within the pool. These changes must be completed through your account manager or local branch.

All Points accrued, redeemed and expired will be determined based on a first-in first-out (FIFO) principle, regardless of who earned or redeemed the Points. All Points are time-stamped according to when they are earned by the aggregate. When redeeming, the oldest Points in the aggregate pool, (first-in) are the first to be redeemed (first-out) regardless of which Cardholder that has requested the actual redemption, or earned the original Points.

14. Leaving the Pool- business accounts

Business Customer(s) who choose to leave a pool must request to be "unlinked" via their account manager. Any Business Customer in the pool can remove their RBC Rewards™ Account from the pool at any time and without notice, by contacting their account manager or local branch. If a Business Customer in the pool voluntary or involuntarily closes their business account, the Business Customer will not receive a proactive reminder to redeem the Points. Once a business account is closed, the Points in the Business Customer's RBC Rewards™ Account are automatically surrendered and deducted from the pool. If not closing a business account, but simply unlinking an RBC Rewards™ Account from the pool, the Points in the departing RBC Rewards™ Account will be retained by the Business Customer, and deducted from the pool. For example, if three (3) RBC Rewards™ Accounts are combined together by a Business Customer and at a later date, one (1) RBC Rewards™ Account is unlinked, then that RBC Rewards™ Account is unlinked and the Points earned that have not yet been redeemed are retained on that Business Customer's RBC Rewards™ Account. Also, each RBC Rewards™ Account can only participate in one pool at any time.

15. Purchasing Points

Authorized Cardholders may purchase additional Points on rbcrewardscaribbean.com to be allocated to their RBC Rewards™ Account, in USD or local currency charged to their Account during the operation of the Programme. Points are sold in 1,000 Points increments at a cost of:

- $35 USD

- $35 BSD

- $30 KYD

- $70 BBD

- $95 XCD

- $235.00 TTD

- $63.70 ANG

- $63.00 AWG

The purchase ratios above are subject to change without notice and when applicable, will be updated on the Programme Website at RBCrewardscaribbean.com.

Authorization from RBC Royal Bank for the transaction may be necessary to ensure the credit limit allows for such transaction. Points can be purchased online through the Programme Website at RBCrewardscaribbean.com or by calling an RBC Rewards™ Customer Service Centre.

All Points must be purchased using your Account. All purchased Points will be posted and available immediately, unless authorisation is required and in that instance, the transaction will be authorised within one (1) business day. Once purchased, the transaction is considered final and Points cannot be refunded or exchanged. All of these Terms apply to Points that are purchased.

16. Transferring Points

Primary or Authorised Cardholders may Transfer some or all of the Points in the RBC Rewards™ Account to a second RBC Rewards™ Account. Personal RBC Rewards™ Accounts may transfer Points to another RBC Rewards™ Account in your own name or transfer some or all of the Points in your RBC Rewards™ account/pool to any other Personal RBC Rewards™ Account at RBC. Business RBC Rewards™ Accounts may transfer Points to a second RBC Rewards™ Account in your business name with the same ownership. All Point transfers must be completed online through the Programme Website at RBCrewardscaribbean.com.

Your transfers are remitted immediately when processed. You must be registered with an online RBC Rewards™ profile and password to complete a transfer to another RBC Rewards™ Account and accept the terms associated with this transfer. Any Cardholder with the authority to redeem on the RBC Rewards™ Account may transfer Points which includes Primary Cardholder and Business Customer Authorised Cardholders. You will be able to transfer your Points on the RBC Rewards™ redemption website using the Transfer Points feature. The account/pool being debited with Points as well as the account receiving the transferred Points must be with RBC and must be open and in Good Standing. You may not transfer Points to a closed account or to an account outside RBC Rewards™.

You may transfer Points by selecting the "Transfer/Gift Points" link and providing the required information to complete the transfer. You must know the full name and 16-digit card number of the recipient account to complete this redemption request. Follow the online steps to complete the recipient's name, RBC Rewards™ card number and from the drop down menu select the Point value of the Transfer you would like remitted from your RBC Rewards™ account/pool to another RBC Rewards™ account. The minimum number of Points you can transfer is 2,500. The transfer may be to your own account or the account of another RBC Rewards™ member. You must be registered on the website and will need to log in to your RBC Rewards™ Account to view your earned Points and conduct the transfer. Points cannot be transferred using the Rewards Customer Service Call Centre. However, you may contact our agents for assistance in completing the Point transfer online.

Transferred Points will be determined based on a first-in, first-out (FIFO) accounting convention. All Points are time-stamped according to when they are earned. When transferring, the oldest Points (first-in) are the first to be transferred (first-out). All transferred Points will retain their original expiration date.

17. Points Expiration

Points have a maximum four (4) years term, and expire at the end of four (4) years, based on first-in first-out (FIFO) principles. Base and bonus Points will have the same four (4) years expiration term. Points expiring during the year will be cleared from your RBC Rewards™ Account on the last day of the month in which the Points expire. For example, Points earned on November 5, 2012 will expire on November 30, 2016.

If your Account becomes more than sixty (60) days past due, you will forfeit all accumulated Points. For any Account in hold or in voluntarily or involuntary closed status, outstanding Points may not be redeemed or pooled with a new or active RBC Rewards™ Account and all Points will be forfeited without further notice or obligation from RBC Royal Bank.

Upon the death of a Primary Cardholder who has earned Points through the Programme, that Primary Cardholder's membership will terminate, the personal account will be closed and the Points in the RBC Rewards™ Account will be available for redemption by that Primary Cardholder's estate. Points that have not been redeemed as of ninety (90) days after the deceased Primary Cardholder's personal account is closed will automatically be cancelled and may not subsequently be redeemed or pooled. For a business account, the same principles apply upon the death of a Business Customer.

18. Redeeming your Points for Gift Cards/eCertificates/Certificates

(i) General

a. You must accumulate the required number of Points for the gift card/eCertificate/certificate(s) of your choice at the time of your request. The number of Points required to redeem for a gift card/eCertificate/certificate is based on the equivalent dollar value listed in the RBC Rewards™ Redemption Chart;

b. Any taxes and basic shipping charges (by prepaid delivery service) are included in the value of the Points redeemed for each item that you order. You understand that you may request an alternate expedited shipping arrangement, as set out in section 18(ii);

c. All additional costs for an alternate expedited shipping arrangement are the responsibility of the Cardholder and must be charged to an Account. In some instances, Cardholders will have an opportunity to redeem Points to pay for these additional costs;

d. On the date you request your gift card/eCertificate/certificate, your RBC Rewards™ Account will be debited the number of Points you are required to redeem for that gift card/eCertificate/ certificate;

e. Gift cards/eCertificates and gift certificates are valid at a variety of international and regional merchants and the use of gift certificates/cards may be subject to certain terms and conditions set by the party issuing the gift certificate/card from time to time;

f. Any expiration dates will be printed on the gift card/eCertificate/certificate and cannot be extended beyond the expiration date;

g. Gift cards/eCertificates/certificates are not replaceable if lost, stolen, destroyed, or expired;

h. Gift cards/eCertificates/certificates may not be resold, are not redeemable for cash and are void if sold for cash or other consideration;

i. Gift cards/eCertificates/certificates must be surrendered to the merchant once the full value has been redeemed;

j. Gift cards/eCertificates/certificates are considered void if altered, photocopied, or reproduced;

k. RBC Royal Bank is not responsible for the failure of any party to honour the gift certificate/card for any reason, including the insolvency or bankruptcy of that party;

l. Complete terms and conditions for individual gift cards/eCertificates/certificates can be found on the Programme Website at RBCrewardscaribbean.com.

(ii) Delivery of Gift Cards/eCertificates/Certificates

a. Gift cards/certificates will be sent by ordinary mail and you assume full responsibility if they are lost or stolen in the mail, unless you request that they be delivered by prepaid expedited delivery service during normal business hours, whenever possible;

b. While we cannot guarantee any delivery times, average delivery by ordinary mail could take up to five (5) weeks from the time your order is received;

c. You may also request prepaid expedited delivery service by courier that could take up to five (5) business days and in which case you will be charged a minimum of $60 USD;

d. Gift card/certificate will only be shipped to the Cardholder's address on file. Prepaid expedited delivery services are not able to ship to a P.O. Box due to signature required;

e. eCertificates will be sent to the email on record for your RBC Rewards™ online profile and you assume full responsibility for the email provided to us. eCertificates should be delivered to your email within 72 hours of redemption.

f. If you do not receive your gift card/eCertificate/certificate within the indicated time frames above, you must contact us within thirty (30) days from the date of your request for the gift card/eCertificate/certificate. After thirty (30) days, if we have not heard from you and our records indicate that your order was fulfilled, you will be deemed to have received your gift card/eCertificate/certificate and it will not be replaced even if it is reported missing;

g. RBC Royal Bank is not responsible for delayed or lost communications or redemptions sent by mail or any other form of delivery, including email;

h. From time to time, some gift cards/eCertificates/certificates may be subject to certain restrictions or delays due to such factors as time constraints, blackout dates or availability of qualifying gift card/eCertificate/certificate. You will not hold RBC Royal Bank responsible for this.

19. Redeeming your Points for Cash Back Credit Rewards

You may redeem your Points for a Cash Back Credit Reward. Credit(s) are normally applied to your Account within 72 hours.

The Cash Back Credit Reward is based on the number of Points available to redeem in your RBC Rewards™ Account and will follow the posted RBC Rewards™ Redemption Chart available at RBCrewardscaribbean.com.

As an example, if you have 26,500 Points in your RBC Rewards™ Account, you may request a Cash Back Credit Reward of $250 to be applied to your Account. All Points will be immediately deducted from your available Points Balance.

Cash back credit reward does not replace the minimum payment on your account

20. Redeeming your Points for Travel Rewards Regardless of Booking Channel

(i) General Rules applicable to all Travel Rewards

a. Travel Rewards may be booked without using Points, however, additional fees apply;

b. The number of Points required to redeem for a Travel Reward is based on the actual cost of the Travel Reward, the type of Travel Reward and the equivalent dollar value listed in the RBC Rewards™ Redemption Chart. All commissions and transaction fees are included in the cost of the trip, with the exception of trips booked using a Travel Gift Certificate;

c. All additional costs not covered by the redemption of the Travel Reward are the responsibility of the Cardholder and must be charged to an Account. In some instances, Cardholders will have an opportunity to redeem Points to pay for these additional costs;

d. All Travel Rewards are subject to availability;

e. All Travel Rewards are subject to the rules and restrictions imposed by the individual travel companies, airlines, hotels, car rental companies, cruise lines and tour companies. Compliance with these rules is the responsibility of the traveller;

f. RBC Royal Bank is not responsible for the performance of the travel providers associated with the Programme. All reservations are made subject to the conditions of carriage, supply or business of the party providing the service, which include exclusions and limitations of liability;

g. RBC Royal Bank will not be liable for delays or cancellations caused by strikes, labour disputes, government actions, weather or any other causes beyond RBC Royal Bank's control;

h. RBC Royal Bank is not responsible for lost, stolen, damaged or destroyed baggage or contents of baggage;

i. Once redeemed, Points for cancelled or refunded Travel Rewards may not be reinstated to your RBC Rewards™ Account;

j. Certain restrictions may apply to Travel Gift Certificates, airline tickets and cruise documents. Travel Gift Certificates, airline tickets and cruise documents are not exchangeable, refundable, transferable or redeemable for cash;

k. Travel Gift Certificates, airline tickets and cruise documents that are mailed will be sent by first class mail and will not be replaceable in the event of loss, destruction or theft.

(ii) General Rules applicable to Air Travel Rewards

a. The number of Points required to redeem for an Air Travel Reward is based on the equivalent dollar value listed in the RBC Rewards™ Redemption Chart;

b. All Air Travel Rewards issued in exchange for Points are non-refundable and non-transferable after airline ticket issuance;

c. For Air Travel Rewards not paid exclusively with Points, changes, exchanges or refunds to/of Air Travel Rewards are subject to airline rules in effect at the time of original airline ticket issuance and pricing in effect at the time changes are made. Fees that apply due to permitted changes by the airline are the responsibility of the traveller;

d. Air Travel Rewards must be issued in the name of the Primary Cardholder, Business Customer or Authorised Cardholder or a member of their family;

e. Lost, stolen or otherwise destroyed Air Travel Rewards will not be replaced;

f. Accrual of frequent flyer mileage and airline mileage upgrade is subject to airline terms and conditions at the time of airline ticket issuance;

g. All airline tickets will be issued electronically when available. Issuance of a paper airline ticket is subject to airline rules and fees. A delivery charge will apply to all airline tickets or documents sent via "express" or "traceable" type mail or by overnight carrier and you agree to pay the associated additional delivery fees with your Card. RBC Royal Bank does not recommend using regular mail and maintains no responsibility for lost or stolen airline tickets or document;

h. Taxes not related to tickets, such as airport departure taxes specific to certain destinations, that cannot be calculated nor paid in advance nor assessed at the time of airline ticketing, are the responsibility of the traveller and must be paid at the airport;

i. No Air Travel Reward will be issued for destinations under travel embargo by the U.S. government. However, Cardholders can use the My Way Travel Credit Reward redemption option to book travel to any countries sanctioned by the United States;

j. RBC Royal Bank reserves the right to pass on to the Cardholder any special, unique or ad-hoc airline imposed taxes, fees or surcharges;

k. All other rules of the respective airline apply. Classes of service are subject to change at any time, with or without notice.

21. Three (3) Distinct Options for Redeeming Points for Travel Rewards

Primary Cardholders, Business Customers and Authorised Cardholders have three (3) distinct options for redeeming Points for Travel Rewards:

(i) "My Way Travel Credit Reward"

Cardholders may book any Travel Reward through any certified travel agency of their choosing, including online travel agencies, such as but not limited to: Travelocity†, Expedia†, Montrose Travel†, Hotwire†, or Priceline.com†, by simply charging the purchase to their RBC Rewards™ Visa Platinum† Account. Once the transaction posts to their Account, the Cardholder must either visit the RBC Rewards™ Website or contact the RBC Rewards™ Customer Service Centre to request a My Way Travel Credit Reward.

If the Cardholder requests a My Way Travel Credit Reward for part of the transaction cost, the unredeemed charge will remain on their Account. The amount of Points redeemed and the corresponding My Way Travel Credit Reward cannot exceed the available Points Balance in the Cardholder's RBC Rewards™ Account.

Points may be used to cover travel taxes and airline fees. Some other taxes including, but not limited to, APT taxes and stamp taxes are charged to the account separately and may not be included in the Reward credit.

As an example, the Cardholder books an airline ticket with an online travel agency at a cost of $475.00 which includes travel taxes and fees required by the airline. The Cardholder charges the entire cost of the airline ticket to an Account. Once the transaction posts to the Account, the Cardholder contacts the RBC Rewards™ Customer Service Centre to request a My Way Travel Credit Reward for the entire $475.00 by redeeming 36,500 Points. All Points will be immediately deducted from their RBC Rewards™ Account.

(ii) "Full Service Travel Anywhere"

Cardholders may redeem Points in a one-step process for Travel Rewards through our full service travel partner, Montrose Travel. Cruises, hotel stays, car rentals and vacation packages redemptions are available exclusively through Montrose Travel.

Air Travel Rewards may also be ordered through Montrose Travel. Airline tickets may not be combined with certain special or promotional fare offer or any other discount, certificate, coupon, senior citizen discount, off-tariff, non-published or other privately negotiated discount fares, group or block discounts, meeting fares, military or other government fares.

Additionally, Cardholders can also redeem Points for a $100 to $2,500 "travel discount" which can be applied instantly against any flight of their choice.

Some previously purchased airline tickets may be exchanged subject to a per-ticket airline change fee plus any difference in fare. Some previously purchased tickets may not be reissued once travel has commenced. Any changes will incur a $30 USD fee payable at the time the change is made, in addition to the change fee charged by the airline.

RBC Royal Bank and Montrose Travel act solely as the sales agent for travel suppliers and neither is liable for actions or inactions of such suppliers.

Additional tickets purchased through Montrose Travel will incur a $30 USD per ticket processing fee charged to your Account.

RBC Royal Bank reserves the right to pass on to the Cardholder special, unique or ad-hoc airline imposed taxes, fees or surcharges.

(iii) "Travel Gift Certificate"

Cardholders may redeem Points for a Travel Gift Certificate with Montrose Travel in $100, $300, $500 or $1,000 USD denominations. The number of Points required to redeem for a Travel Gift Certificate is based on the equivalent dollar value listed in the RBC Rewards™ Redemption Chart.

Travel Gift Certificates must be issued in the name of the Cardholder or their designated recipient.

Travel agency fees of $30 USD may apply to a booking made with Montrose Travel using a Travel Gift Certificate.

Travel Gift Certificates can be redeemed for any travel product excluding car and hotel rentals offered through Montrose Travel. Issuance of a Travel Gift Certificate does not constitute a reservation. In such cases, the certificate holder is responsible for making all reservations with the company that issues the Travel Gift Certificate.

22. How to Place an Order and Redeem Your Points for a Reward

To order a Reward, you will contact the RBC Rewards™ Customer Service Centre by calling the number serving your region.


RBC Rewards Customer Service Centre:

Dutch Caribbean

Aruba Tel: (297) 588-0101

Curacao Tel: (599) 763-8438

Bonaire Tel: (599) 717-4500

St. Maarten Tel: +1(721) 546-7288

Saba Tel: (599) 416-2454


Bahamas and Turks & Caicos Islands Customers

Nassau Tel: 242-326-CARD (2273)

Family Islands Tel: 242-300-8472

Toll-free (from Canada) Tel: 1-800-796-0021

Toll-free (from USA) Tel: 1-800-292-7791


Barbados, Cayman and Eastern Caribbean Islands Customers

Barbados Tel: 246-431-6777

Toll-free (from Cayman, EC or outside Barbados) Tel: 1-888-847-5803


Trinidad and Tobago Customers

Tel: 1-868-672-1VIP (1-868-672-1847)

Toll-free (from Trinidad and Tobago) Tel: 800-ABMS (2267)

Redemptions are provided and serviced by the RBC Rewards™ Customer Service Centre. Hours of operations for telephone redemptions are:

For general Programme information/action, or to redeem Points for a gift certificate/card, a Travel Gift Certificate or a Statement Credit Reward:

- 8:00 am to 8:00 pm Eastern Standard Time (EST), Monday through Friday; and 8:00 am to 6:00 pm Eastern Standard Time (EST), Saturday.

To redeem Points for a Travel Reward and speak with an agent:

- 9:00 am to 9:30 pm EST, Monday through Friday; 9:00 am to 6:00 pm EST, Saturday

The RBC Rewards Customer Service Centre is closed on January 1 and December 25.

You may also redeem your Points for any Reward directly online, via the Programme Website at RBCrewardscaribbean.com, however, some items may be fulfilled via online submission with a booking being completed by an agent (ie. cruises, hotels, vacation packages). When using the Programme Website redemption option, you must first create an account user I.D. and password. There are no exceptions. Whether ordering by telephone or online, you must ensure that you provide all order information accurately to avoid unnecessary delays.

Additional information and Frequently Asked Questions can also be obtained on the Programme Website at RBCrewardscaribbean.com.

When we receive your redemption request, we will review your Account to verify that you have sufficient Points to redeem for the Reward you are requesting. If a credit or other adjustment results in insufficient Points for a Reward, we will not fulfill the redemption request. If the redemption request is fulfilled and a subsequent adjustment is made or we later discover that you did not have sufficient Points for that Reward, you may forfeit future Point earnings until you accrue sufficient Points. You also agree that you owe RBC Royal Bank the value of the redemption in the event you did not have sufficient Points to redeem.

23. Insurance Coverage

(i) Visa Insurance Coverage

When you book a Travel Reward through the Programme, either by using Points, Points plus a charge to your Account, or a Travel Gift Certificate, you are covered by Visa Insurance Benefits. Should you have to make a claim, you may be required to submit a letter to Visa from RBC Royal Bank confirming that the Travel Reward was purchased using Points, and that no additional claim will be made by you to another insurance provider, even if the entire cost of your Travel Reward was purchased using Points. Copies of this form/letter as well as Visa insurance documents are available on the Card product website at:

RBC Rewards™ Visa Platinum†: www.rbcroyalbank.com/caribbean/platinum

RBC Rewards™ Visa Business Platinum†: www.rbcroyalbank.com/caribbean/platinumbusiness

The above websites also provide complete insurance details, including the Certificates of Insurance for your Card and how to make a claim.

(ii) Automatic Flight Insurance

With every Air Travel Reward redeemed through Montrose Travel, each traveller will automatically receive $100,000 USD flight insurance ("Flight Insurance") free of charge. This Flight Insurance is in addition to any insurance available with your Card.

The Flight Insurance described below is provided to you at no additional cost by Montrose Travel when we issue your airline ticket. As the ticket holder, you are covered for accidental loss of life, limbs or sight during the flight for which your ticket was issued.

a. Description of Coverage applies 1) while you are riding, boarding or alighting as a ticketed passenger in a scheduled aircraft provided by a regularly scheduled airline, 2) while you are on airport premises or traveling in any licensed public conveyance to and from the airport in connection with your ticketed flight, or 3) while you are riding in any land or water conveyance provided by the airline as a substitute for an aircraft.

b. Benefits: Full benefit is paid to you for accidental loss of life, two limbs, both eyes or one limb and one eye; one-half the amount is paid for loss of limb or one eye. Benefits are payable up to one year from the date of the accident.

c. Limits: Under this policy, the aggregate limit of benefit for all covered losses for any one air travel accident is $10,000,000 USD.

d. Exclusions: Coverage does not apply for loss caused by self-inflicted injury, suicide, war, illness or travel for aerial navigation except as expressly provided.

e. Beneficiary: The death benefit will be paid to the Estate of the insured person. All other benefits will be paid to the insured.

f. Cost: The premium for this Flight Insurance is paid for by Montrose Travel.

g. Notice of Claim: Written notice of claim should be mailed to Cook & Company, P.O. Box 150266, Nashville, TN 37215-0266. This outline is not a complete description of the coverage. The group master policy contains the legal provisions of the plan. CST#1018299-10. Underwritten by National Union Fire Insurance Company of Pittsburgh, PA A Member of the American International Group of Companies

24. Travel Documentation

· Upon receipt of travel documents or confirming itinerary, please verify the travel dates, origination and destination cities and traveller's names to ensure they are the same as shown on the valid proof of identification that will be displayed at the time of check-in.

· For domestic travel, it is your responsibility to obtain and have possession of government-issued photo identification for all passengers 16 years of age or older or as required by law.

· For international travel, it is your responsibility to obtain and have possession of valid proof of citizenship or naturalisation, vaccination certificates and/or visas before boarding an aircraft or entering another country. Other restrictions may apply.

25. Flight Reconfirmation, Airport Check-in, Baggage and Airline Overbooking

· Flight times change frequently and without notice. Reconfirm your first flight, return or continuing flights directly with the airlines. Domestic flights should be reconfirmed 24 hours in advance and international flights should be reconfirmed 72 hours in advance. Times shown on the itinerary are from the current schedules and subject to change without notice.

· Allow a minimum check-in time of 2 hours for domestic flights and 3 hours for international flights.

· Airline flights may be overbooked and there is a chance that a seat assignment will not be available on a flight for which a person has a confirmed reservation. If the flight is overbooked, no one will be denied a seat until airline personnel first ask for volunteers willing to give up their reservation in exchange for a payment of the airline's choosing. If there are not enough volunteers, the airline will deny boarding to other persons in accordance with their particular boarding priority. With few exceptions, persons denied boarding involuntarily are entitled to compensation.

· Industry regulations require passenger names on all checked baggage and strongly recommend names on all carry-on baggage.

· Each airline has their own rules, fees, and weight and size limitations for checked and carry-on luggage. Contact the airline for their regulations prior to your scheduled flight.

26. Car Rental - General Rules and Conditions

· All car rental redemptions are subject to the terms and conditions below.

· The renter must have a valid driver's license. Minimum rental age is 25, however age differentials and certain restrictions may apply per the rental company.

· The Points values cover the base rental rate only. All taxes, fees, surcharges, extra days, extra hours, upgrades to higher car classes, optional services or equipment (if applicable), are the responsibility of the renter and are payable at the rental counter.

· Any taxes and fees levied on extra days, extra hours, upgrades to higher car classes, and optional services (if applicable), are the responsibility of the renter.

· A valid credit card in the driver's name must be presented at the rental counter for additional charges.

· No refund or credit will be given for unused portions of the rental.

· Rentals are subject to standard rental and rate conditions, as well as car availability at the time and place of rental.

· Cars must be returned to the original renting location.

· Rentals are not combinable with each other, with frequency/loyalty program miles/Points or with any pre-pay rate, tour or group rate, coupon or promotion.

· Rentals are non-transferable and must be used for consecutive rental days and will be deemed fully used once a rental has begun.

27. Hotel Stays - General Rules and Conditions

· All gift card/certificate redemptions for hotel stays are subject to the terms and conditions below, and other conditions specified herein.

· Lost, stolen or otherwise destroyed gift card/certificate redemptions for hotel stays cannot be replaced.

· Gift card/certificate redemptions for hotel stays represent cash but are not redeemable for cash. Gift card/certificates are void if altered, photocopied or reproduced, sold for cash or other consideration.

· Gift card/certificate redemptions for hotel stays are not combinable with upgrade certificates, other promotional certificates, group travel, tour packages, conventions or special rate programmes.

· All reservations are subject to availability. Specific rules may change with or without notice. Bed types can be requested but cannot be guaranteed.

· Participating properties are subject to change.

28. Cruises Booked Through Montrose Travel - General Rules and Conditions

· All Points values are per person based on double occupancy - two people occupying one cabin. Additional single supplement fees will be applied if only one person will be occupying the cabin. Third or fourth passengers in a cabin are priced at the applicable rate for the specific sailing; space is subject to availability.

· Rates include cruise fare, all meals, entertainment, and port charges. The passenger is responsible for any government taxes and fees, and on-board gratuities.

· Air travel to/from the point of embarkation or debarkation is not included in the redemption.

· You may upgrade your cabin category or length of cruise by paying the difference in the cruise price.

· Cruise packages may not be combined with frequent traveller promotions or other reward programmes, promotional or discount certificates.

29. Cruises Booked Through Montrose Travel - Cruise Travel Documentation

· Upon receipt of confirming itinerary and travel documents, please verify the travel dates, sailing date, ship name, destination cities and travellers' names to ensure they are the same as shown on the valid proof of identification that will be displayed at the time of check-in.

· Cruise documents are issued approximately two (2) weeks prior to check-in/embarkation.

· It is your responsibility to obtain and have possession of valid proof of citizenship or naturalization, vaccination certificates and/or visas at the time of boarding, embarkation or entering another country. Other restrictions may apply.

30. Vacation Packages Booked Through Montrose Travel - General Rules and Conditions

· All Point values are per person based on double occupancy - two people traveling together and occupying one room. Additional single supplement fees will be added if only one person will be occupying a room.

· All rates shown are "land only" including local room taxes and other amenities, such as transfers, rental cars, etc., as indicated in the package description.

· Air transportation is not included in the package price. Such travel may be purchased at the prevailing rates plus taxes and fees.

· The passenger is responsible for any government taxes, surcharges, rental car insurance, additional driver fees, under-age driver fees, airport taxes, and gratuities to transfer driver, housekeeper, baggage handler, escort or other individuals.

31. Tax

You are responsible for any federal, state or local tax liability for any taxes (including but not limited to personal income tax) and reporting related to your participation/membership in the Programme including any liability relating to any Rewards you redeem under the Programme.

You understand that RBC Royal Bank will not issue tax receipts.

32. Changing the Programme and These Terms

RBC Royal Bank may change the Programme and these Terms at any time without giving you notice. Programme changes may include, but are not limited to, changes to:

(a) any Reward(s);

(b) the Points required to be redeemed for any Reward;

(c) the bonus Points offers;

(d) the redemption levels or criteria;

(e) the fees; or

(f) the Point accrual criteria.

The changes may be prospective and they may be retroactive. When such a change is made, RBC Royal Bank will post a revised version of the Terms on the Programme Website at RBCrewardscaribbean.com. Changes will be effective on the date noted when they are posted online. It is your responsibility to review the Terms from time to time to be aware of any such change(s).

33. Termination

a. RBC Royal Bank may suspend or terminate the Programme at any time upon thirty (30) days notice to you;

b. Should events beyond our control, such as strikes, acts of God, terrorism, civil disturbance, war or changes in economic or business conditions, materially affect our willingness to continue the Programme as it is then constituted, the Programme may be suspended or terminated, in whole or in part, and your Points may be cancelled without notice to you and may not subsequently be redeemed, or pooled;

c. RBC Royal Bank may, without notice, suspend or terminate your membership in the Programme, cancel your RBC Rewards™ Account and your Points upon (i) fraud or abuse by you relating to the Programme, (ii) misrepresentation of information to us, (iii) failure by you to follow these Terms, (iv) your personal bankruptcy, or (v) failure by you to earn any Points in any three (3) consecutive years;

d. If your Account is closed by RBC Royal Bank for any reason other than a voluntary request from you that we do so, then your participation/membership in the Programme and your Points shall be automatically cancelled without notice to you and your Points may not subsequently be redeemed or pooled.

34. Communications

In order to not miss any communication from us about the Programme, you must immediately notify us of any changes to your mailing address and other contact information that you may have provided to us in connection with the Account. RBC Royal Bank shall have no liability for any misdirected, lost or delayed mail resulting from your failure to provide us with such notice. We may also communicate with you electronically and any notice or electronic statement of the Account we provide to you, or agreement you make electronically, will be considered to be "in writing", signed and delivered for all purposes. RBC Royal Bank is not responsible for delayed or lost communications sent by mail or any other form of delivery, including email.

35. Interpretation

All questions or disputes regarding the Programme and the interpretation of these Terms will be resolved by us in our sole discretion.

36. Limit on our Responsibility

If RBC Royal Bank improperly denies you a Reward you select, our liability will be limited to the cash equivalent of that Reward. In no event will we be liable or responsible for, and you release us from, all claims in respect of any loss or damage suffered by you or others that is caused by:

a. failure by us to provide you with one or more Account Statement(s);

b. any errors or omissions in the Programme Website and other sources;

c. redemption of your Points or any problem that you or others have in connection with your Reward. By redeeming your Points for a Reward, you release us from any and all liability and claims regarding the redemption or use of such Reward;

d. redemption of your Points by an Authorised Cardholder;

e. loss or theft of a Reward;

f. suspension or termination of the Programme for any reason;

g. suspension or termination of your membership in the Programme, the closing of your Account or the cancellation or invalidation of any or all of your Points;

h. cancellation of any Travel Reward;

i. failure by the RBC Rewards Customer Service Centre or Montrose Travel to provide you with information which results in travel arrangements that have a higher cost or differ in any way from arrangements which may be available through other sources;

j. performance or action of a travel supplier in any way, including the failure of any travel supplier to perform as described. Should circumstances beyond our control result in a supplier's failure to provide a Travel Reward, we may attempt, but are under no obligation, to provide a suitable replacement Travel Reward. In the alternative, we may, but are under no obligation to, credit the Points back to your RBC Rewards Account, and if applicable, money to your Account as well, but will not assume any costs you may incur relating to that Reward;

k. neither RBC Royal Bank, Kobie Marketing, Inc., Montrose Travel, Programme partners, nor any of their respective officers, directors, employees, agents, successors or affiliates, assumes any responsibility or liability for, or makes any warranty regarding, any error, omission, interruption, deletion, defect, delay in operation or transmission, theft or destruction or unauthorised access to, or alteration of, Points account balances, credits received and redeemed or other Programme activities.

l. neither RBC Royal Bank, Kobie Marketing, Inc., Montrose Travel, Programme partners, nor any of their respective officers, directors, employees, agents, successors or affiliates, is responsible or liable for any problem or technical malfunction relating to or arising from any telephone network or lines, computer online systems, servers or providers, computer equipment, software, failure of any email or enrolment to be received on account of technical problems or traffic congestion on the Internet or at any website, or any combination thereof, including any injury or damage to your or any other person's computer related to or resulting from participation in or downloading any materials related to the Programme.

m. if for any reason the Internet portion of the Programme is not capable of functioning as planned, including due to infection by computer virus, bugs, tampering, unauthorised intervention, fraud, technical failures, or any other causes which corrupt or affect the administration, security, fairness, integrity, or proper conduct of this Programme, RBC Royal Bank reserves the right, in its sole discretion, to disqualify any individual who it determines may have caused or contributed to the onset of such occurrence, and/or who tampers with the entry process, and to cancel, terminate, modify or suspend the Programme.

n. neither RBC Royal Bank, Kobie Marketing, Inc., Montrose Travel or Programme partners are liable for errors or omissions by its employees, contractors or agents in the printing or other dissemination of Programme communications, Programme mailings, other related materials or the Programme Website, or any other form of communication, and/or in interpreting or carrying out the terms of the Programme.

37. Indemnification

By accepting Points or Rewards, or by accepting or using an Account, you agree to indemnify each of RBC Royal Bank, Kobie Marketing, Inc., Montrose Travel, Programme partners, and each of their respective officers, directors, employees, agents, affiliates and successors for any and all claims, damages, expenses, losses and causes of action (including attorney fees and court costs) incurred or suffered by any of the foregoing persons or entities and arising out of or relating to your breach of any provision of these Terms, or any materials (regardless of form) that are provided by you. You agree to cooperate as fully and reasonably required in our defence and/or settlement of any such claim. RBC Royal Bank reserves the right to assume exclusive control over the defence and settlement of any matter subject to indemnification by you.

38. Waiver

Any waiver by us of the strict observance, performance or compliance by you of any portion of these Terms and any extension of time or other indulgence granted by us, either expressly or by course of conduct, shall not alter, affect or prejudice any of our other rights or remedies and shall be effective only in the specific instance and for the purpose for which it was given and shall be deemed not to be a waiver of any of our rights and remedies arising in respect of any other breach of these Terms. No delay or omission by us in exercising any right or remedy hereunder shall operate as a waiver of that or any other right or remedy.

39. Damages

Any attempt to deliberately damage any Website or undermine the legitimate operation of the Programme is a violation of criminal and civil laws. RBC Royal Bank reserves the right to seek damages for any such attempt to the fullest extent permitted by law.

40. Privacy

In addition to section 41 herein below, RBC Royal Bank may exchange Programme and Account related information about you with other parties, such as participating partners, merchants or service providers, as required to administer the Programme or to fulfill your redemption requests under the Programme.

Each Cardholder who earns and/or redeems Points and/or receives Rewards consents to, and authorises RBC Royal Bank, any of their respective subsidiaries and affiliates, and any non-affiliated third parties; whether inside or outside your country of residence with whom any of the foregoing contract in order to manage and administer the Programme, to share information about the Cardholder and the Account (including the Programme component) as necessary or appropriate to effect, administer, enforce, service, or fulfill the Terms of the Programme. In addition, if the Cardholder redeems Points at the Programme Website, then the Cardholder thereby consents to and authorises each of the foregoing parties to communicate with the Cardholder through electronic mail in order to accomplish the foregoing purposes. The Cardholder's consents and authorisations shall be effective while the Account is open and shall not be superseded by any future privacy statement.

41. Using your information

(a) Collecting your information:

We may from time to time collect financial and other information about you such as:

· information establishing your identity (for example, name, address, phone number, date of birth, etc.) and your personal background;

· information to establish and maintain the banking relationship with you;

· information related to transactions arising from your relationship with and through us, and from other financial institutions;

· information you provide on an application for any of our products and services;

· information for the provision of products and services; and

· information about financial behaviour such as your payment history and credit worthiness.

We may collect and confirm this information during the course of our relationship. We may obtain this information from a variety of sources, including from you, from service arrangements you make with or through us, from credit reporting agencies and financial institutions, from registries, from references you provide to us and from other sources, as is necessary for the provision of our products and services. You acknowledge receipt of notice that from time to time reports about you may be obtained by us from credit reporting agencies.

(b) Using your information:

This information may be used from time to time for the following purposes:

· to verify your identity and investigate your personal background;

· to open and operate your account(s) and provide you with products and services you may request;

· to better understand your financial situation;

· to determine your eligibility for products and services we offer;

· to help us better understand the current and future needs of our clients;

· to communicate to you any benefit, feature and other information about products and services you have with us;

· to help us better manage our business and your relationship with us;

· to maintain the accuracy and integrity of information held by a credit reporting agency; and

· as required or permitted by law.

For these purposes, we may:

· make this information available to our employees, our agents and service providers (including those persons and entities providing services under and in connection with the Programme described herein), whether inside or outside your country of residence, who are required to maintain the confidentiality of this information;

· share this information with other financial institutions; and

· give credit, financial and other related information to credit reporting agencies who may share it with others.

The service provider is bound by, and the information may be disclosed in accordance with, the laws of the jurisdiction in which the service provider is located.

Upon your request, we may give this information to other persons.

We may also use this information and share it with RBC companies (i) to manage our risks and operations and those of RBC companies, (ii) to comply with valid requests for information about you from regulators, government agencies, public bodies or other entities who have a right to issue such requests, and (iii) to let RBC companies know your choices under "other uses of your information" for the sole purpose of honouring your choices.

If we have your relevant tax number, we may use it for tax-related purposes if you hold a product generating income and share it with the appropriate government agencies, and we may also share it with credit reporting agencies as an aid to identify you.

(c) Other uses of your information

· We may use this information to promote our products and services, and promote products and services of third parties we select, which may be of interest to you. We may communicate with you through various channels, including telephone, computer or mail, using the contact information you have provided.

· We may also, where not prohibited by law, share this information with RBC companies for the purpose of referring you to them or promoting to you products and services which may be of interest to you. We and RBC companies may communicate with you through various channels, including telephone, computer or mail, using the contact information you have provided. You acknowledge that as a result of such sharing they may advise us of those products or services provided.

· If you also deal with RBC companies, we may, where not prohibited by law, consolidate this information with information they have about you to allow us and any of them to manage your relationship with RBC companies and our business.

You understand that we and RBC companies are separate, affiliated corporations. RBC companies include our parent companies, our affiliates and subsidiaries which are engaged in the business of providing any one or more of the following services to the public: deposits, loans and other personal financial services; credit, charge and payment card services; trust and custodial services; securities and brokerage services; and insurance services.

(d) Your right to access your information

You may obtain access to the information we hold about you at any time and review its content and accuracy, and have it amended as appropriate; however, access may be restricted as permitted or required by law. To request access to such information or to ask questions about our privacy policies you may do so now or at any time in the future by:

  • contacting your branch; or
  • calling us RBCrewardscaribbean.com

(e) Our privacy policies

You may obtain more information about our privacy policies by calling us at the number shown above or by visiting our website at www.rbc.com/privacysecurity.

42. Restraint or Closure of Account

RBC Royal Bank reserves the right to freeze or close your Account(s) at any time with or without notice to you, as appropriate, if required by law; or if the RBC Royal Bank has reasonable grounds to believe that you did or may commit fraud, use the Account(s) for any unlawful or improper purpose or operate the Account(s) in a manner that it is not in keeping with the law; or if you violate the terms and conditions of any agreement applicable to the Account(s) or any Account(s) related services. RBC Royal Bank may also freeze or close the Account(s) if you are a victim of fraud or identity theft in order to prevent future losses.

43. Governing Law

All aspects of the Programme are governed by the laws of the country in which your Card was issued and you hereby submit to the jurisdiction of the courts of that country on any matter relating to this Programme.

44. Disclaimers

RBC Royal Bank is not affiliated with any Rewards suppliers or merchants including airlines, hotels, cruise lines, car rental agencies/companies, restaurants, or retailers/merchants referred to in the Programme. They are all independent service providers. No airlines, hotels, cruise lines, car rental agencies/companies, restaurants, or retailers/merchants referred to in the Programme or in any marketing materials, are sponsors or co-sponsors of the Programme.

*If there is any conflict between the Cardholder Agreement and this agreement regarding the RBC Rewards Programme, this agreement prevails.

Please keep these terms and conditions for your records.

®/™Trademark(s) of Royal Bank of Canada. Used under license.

‡All other trademarks are the property of their respective owner(s).

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