1 www.rbcbank.com Alain Forget, VP Head of Sales & Business Development May 2014 Banking with Us Cross-border Banking.

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1 Alain Forget, VP Head of Sales & Business Development May 2014 Banking with Us Cross-border Banking

2 2 Banking with Us U.S. banking subsidiary of Royal Bank of Canada Nationwide coverage Premier provider of U.S. banking services for RBC consumer clients  Existing RBC Royal Bank ® clients  Canadian Expatriates  Retirees & seasonal visitors  RBC Wealth Management clients  Soon for Business Banking clients Integrated cross-border banking package  RBC Access USA ® 190,000+ clients Leader in the cross border banking & financing space for 10 years Dedicated, bilingual client service center 24/7 About RBC Bank

3 3 Banking with Us We Bring the Bank to You Transfer Money Get Cash Pay Bills Manage Accounts Make Deposits

4 4 Banking with Us 24/7/365 funds transfer options  Online Banking (RBC Bank ® with single sign-on access) –Between RBC Canadian and U.S. accounts –Between RBC Bank accounts and other U.S.-based financial institutions  Telephone Banking –1-800 ROYAL ® 5-3 ( )  Wire Transfer –Domestic –International –Foreign Exchange Transfer Money Banking with Us

5 5 Banking with Us Online or ‘old-school’ paying bills in the U.S. is easy  Online Banking & Bill Pay –One time or recurring payments –Scheduling up to a year in advance –Manage payments, e-billers & reminders –Use the single sign-on to access and pay Canadian bills!  Paper Checks –via U.S. Mail Pay Bills Banking with Us

6 6 Banking with Us Two countries, multiple accounts and a world of information right at your fingertips! Manage Accounts Online Banking & Bill Pay eStatements Single sign-on 12-month history (balances, transactions & check images) Cross-border & U.S. funds transfers Check orders Stop payments Financial software download Overdraft protection account links Telephone & Customer Service 24/7 live support Voice response & touch tone Bilingual Customer Service Representatives Multilingual translation services Secure correspondence Banking with Us

7 7 Banking with Us Make Deposits U.S. Remote DepositOnline BankingWire TransfersDirect DepositU.S. Mail Use your scanner to scan your deposits And transmit to the bank Use your smart phone to photograph your deposits And transmit to the bank Banking with Us

8 8 Banking with Us Wire TransfersDirect DepositU.S. Mail Make Deposits U.S. Remote Deposit Online Banking Use Online Banking to make electronic deposits using funds from your Royal Bank accounts, other RBC Bank accounts, or those held with any other U.S.-based financial institution. Banking with Us

9 9 Banking with Us U.S. Remote Deposit Make Deposits Online BankingWire TransfersDirect DepositU.S. Mail Make or accept deposits from all over the world! RBC Bank offers domestic, international and foreign exchange wire transfer options. Banking with Us

Banking with Us U.S. Remote Deposit Online BankingWire TransfersDirect DepositU.S. Mail Make Deposits Use automatic deposit for your paycheck or other regular payments issued to you. Banking with Us

Banking with Us U.S. Remote Deposit Online Banking Wire TransfersDirect Deposit U.S. Mail Make Deposits Send checks and paper-based deposits (no cash) directly to RBC Bank using pre-addressed, postage-paid envelopes. Banking with Us

Banking with Us Credit Cards Personal Lines of Credit Mortgages Obtain Financing Banking with Us RBC Bank offers three Visa Credit Cards: The no-fee RBC Bank Visa Signature earns 1 RBC Rewards point for every dollar spent on purchases. The RBC Bank Visa Signature Plus earns 1.5 RBC Rewards point for every dollar spent on purchases. The no-fee RBC Platinum Rewards Visa earns 1 RBC Rewards point for every dollar spent on purchases RBC Bank offers three Visa Credit Cards: The no-fee RBC Bank Visa Signature earns 1 RBC Rewards point for every dollar spent on purchases. The RBC Bank Visa Signature Plus earns 1.5 RBC Rewards point for every dollar spent on purchases. The no-fee RBC Platinum Rewards Visa earns 1 RBC Rewards point for every dollar spent on purchases All loans subject to credit approval. The annual fee for RBC Rewards Plus for Visa Platinum card is $55.

Banking with Us Personal Lines of Credit Credit Cards Mortgages Obtain Financing Banking with Us Protect against overdrafts or access extra cash when needed

Banking with Us Credit CardsPersonal Lines of Credit Obtain Financing Banking with Us Mortgages Purchase or refinance property anywhere in the U.S.  Adjustable rate loans  Competitive pricing  Rate & term financing  Jumbo programs  Cash out refinancing  Non-recourse loans All loans subject to credit approval.

Banking with Us Mortgage Process

Banking with Us Contact: Janine Terracciano Sr. Relationship Manager or Questions? Member FDIC. ® / TM Trademarks of Royal Bank of Canada. Used under license. RBC Bank is a trade name used by RBC Bank (Georgia), N.A. † PNC Bank, National Association, Member FDIC. © 2012 The PNC Financial Services Group, Inc. All rights reserved. For a list of PNC Bank ATM locations, please visit © RBC Bank (Georgia), N.A Thank you for attending! Banking with Us