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ROYAL CREDIT LINE* FOR STUDENTS

| [Financing that makes the grade.

We control our finances with a Royal Credit Line for Students! It’s not a loan, it’s a line of credit. We can withdraw the money we need, when we need it, up to our credit limit, using Royal Bank's extensive ABM network.

* Pay interest only at Prime +1% on the portion you use for up to 6 months after completing your full or part-time studies.

* Connect to your accounts through Royal Direct® internet or Telephone banking.

* Customize your re-payment schedule.

To find out more about Royal Credit Line for Students...

* Visit our Web site at www.royalbank.com/student

= Call toll-free 1-800 ROYAL® 9-9 (1 800 769-2599) * Visit any Royal Bank branch

Personalized Royal Credit Line

for Students, Customized

™

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ROYAL BANK

MEMBER OF ROYAL BANK FINANCIAL GROUP®