Royal Bank Visa Online Banking by ipj13457

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									Benefits Guide
RBC Royal Bank® Visa* CreditLine
for Small BusinessTM


The card that
makes perfect
business sense.




B u s i n e ss
ConVenienCe
                                                   Welcome to RBC Royal Bank® Visa* CreditLine for small BusinesstM 3



                                  The best
            aCCess                of both worlds.
  ReWaRds
                                  Low interest rate and convenience.
                                  As an RBC Royal Bank Visa CreditLine for Small Business
                                  cardholder you get the functionality of a line of credit with
                                  competitive interest rates (based on Prime++ plus a premium)
                                  and the convenience of a credit card. Plus, you are automatically
                                  enrolled into the RBC Rewards® program where you can
                                  redeem points for an outstanding variety of rewards.

                                  quiCk CaRd oVeRVieW

                                    RBC Rewards       Earn 1 RBC Rewards point for every
                                                      $2 CAD you spend on your card          N




                                                      RBC Rewards points don’t expire±


                                    Insurances        Purchase Security and
                                                      Extended Warranty Insurance2

                                    Additional        Chip & PIN technology for enhanced
                                    Benefits          security
                                                      Zero Cardholder Liability

                                    Annual Fee        $0




                                  If you have any questions about your
Contents
Card overview                3
                                  card, please call us at 1-800 ROYAL® 1-2
Managing your Business       4
                                  (1-800-769-2512) or visit
earning RBC Rewards Points   8    www.rbcroyalbank.com/clsb
Redeeming for RBC Rewards    10
security features            13
assured assistance           16
insurance                    18
 4 Welcome to RBC Royal Bank® Visa* CreditLine for small BusinesstM                       Welcome to RBC Royal Bank® Visa* CreditLine for small BusinesstM 5



 Making it easy
 to manage your
 business finances.

 access to funds when you need them.                                     simple. secure. 24hr support – online Banking.
 Having easy access to business funds means more time to focus           If you’re looking for an easier, more powerful way to do
 on your business. Use your RBC Royal Bank Visa CreditLine for           your banking, then RBC Royal Bank Online Banking‡
 Small Business card to access your funds anytime, anywhere,             is ideal for you and your business. Running your own
 through numerous convenient options:                                    business can mean working at all hours of the day.
                                                                         Online Banking gives you the tools to let you manage
                                                                         your business banking needs at any time and anywhere
  A
•		 ccess	cash	advances†† of up to $1,000 CAD per day (up to your        you have access to the internet.
  available credit) at any Automated Teller Machine (ATM)
                                                                         With	Online	Banking	you	can:
  worldwide displaying the Visa logo
                                                                        •	Pay	bills	from	a	list	of	over	6,000	companies	any	time	
•	Use	your	card	to	make	purchases	at	24	million	Visa-accepting		 	
                                                                          of the day
  establishments around the world
                                                                          G
                                                                        •		 et	a	complete	picture	of	your	financial	situation	and			                       	
  W
•		 ithdraw	directly	from	your	line	of	credit	at	more	than	one	
                                                                          make payments on existing loans
  million	ATM’s	worldwide	using	the	same	4	digit	personal	
  identification number (PIN) you selected for your Client Card.          M
                                                                        •		 anage	your	business	finances	using	our	financial	tools	
  If you have not yet selected a PIN, visit any RBC® branch               and	calculators	including	an	online	cash-flow	tool	for		                     	
  for assistance                                                          business owners
•	Use	your	card	to	make	purchases	online                                •	Add	online	accounts	from	other	financial	institutions
                                                                          using My View®
  U
•		 se	Visa	cheques to access all, or a portion of your unused credit
                       ††




                                                                         To register or for more information, please
                                                                         visit www.rbcroyalbank.com/signup or
                                                                         call 1-800 ROYAL® 5-5 (1-800-769-2555).
 6 Welcome to RBC Royal Bank® Visa* CreditLine for small BusinesstM                      Welcome to RBC Royal Bank® Visa* CreditLine for small BusinesstM 7




 View your transactions anytime.                                        flexible payment options.
                                                                        Repayment	is	flexible	–	settle	your	RBC	Royal	Bank	Visa	
  A
•		 ccess	your	Visa	transaction	information	online	with	our	
                                                                        CreditLine for Small Business account in three convenient ways:
  Visa	Inquiry	service.	This	allows	you	to	view	transactions	in	
  real time so you can view your balance and confirm purchase            M
                                                                       •		 ake	the	minimum	required	monthly	payment	as	shown	on	
  dates.	Please	visit	www.rbcroyalbank.com/cards/inquiry	                your Visa statement
  for more information
                                                                         P
                                                                       •		 re-set	a	monthly	payment	amount	that	is	greater	than	the	
  M
•		 onitor	your	account	activity	and	spending	patterns	by	               minimum	required	monthly	payment
  printing out your monthly statements from an RBC ATM
                                                                       •	Pay	the	entire	balance
                                                                        Payments may be made by mail, at any RBC branch, through
                                                                        any RBC ATM, by Telephone Banking, by Online Banking, or by
                                                                        automatic	pre-authorized	payment	no	later	than	the	payment	
                                                                        due date indicated on your Visa statement. Payments made by
 Helpful advice – save on interest Costs                                mail will be credited when received at your branch. Payments
                                                                        made in person or by telephone through RBC Royal Bank will
  T
•		 ransfer	high	interest	rate	balances	to	your	low	annual	interest	
                                                                        be credited within two business days. If you make your payment
  rate CreditLine for Small Business card and reduce your cost
                                                                        at another financial institution it can take up to four days to
  of borrowing. Depending on your balances, you could save
                                                                        be credited.
  hundreds of dollars in interest costs!


                                                                        Helpful advice – Maintain Credit History
                                                                         A
                                                                       •		 lways	pay	at	least	the	minimum	payment	by	the	payment	
                                                                         due date, every time
                                                                       •	You	need	to	make	your	payment	every	month
                                                                         D
                                                                       •		 oubling	up	your	minimum	payment	one	month	doesn’t	
                                                                         mean you can miss your minimum payment the next month
 8 Welcome to RBC Royal Bank® Visa* CreditLine for small BusinesstM                    Welcome to RBC Royal Bank® Visa* CreditLine for small BusinesstM 9



 Earn RBC Rewards
 points with every
 purchase.

 As an RBC Royal Bank Visa CreditLine for Small Business               track your points balance any time:
 cardholder you will earn RBC Rewards points for all your
 purchases, such as buying office supplies or taking clients          •	Click	on	“RBC	Rewards”	from	the	Online	Banking	menu
 to	lunch.	You	can	redeem	your	points	for	a	great	variety	of	           L
                                                                      •		 og	on	at	www.rbcrewards.com
 rewards	–	from	travel	and	merchandise	including	golf	clubs	and	
 electronics to RBC Financial Rewards® and gift certificates/cards.     C
                                                                      •		 heck	your	monthly	Visa	statement	
                                                                      •	Call	1-800	ROYAL®	1-2	(1-800-769-2512)

 Your RBC Rewards points add up quickly.
•	Earn	1	RBC	Rewards	point	for	every	$2	CAD	you	spend	                 the latest news and offers,
  with your card    N
                                                                       delivered directly to your inbox.
                                                                       Sign	up	for	the	RBC	Rewards	e-newsletter	and	you	will	receive	
•	Earn	additional	RBC	Rewards	points	when	you	book	travel	             quarterly	updates	about	the	RBC	Rewards	program	–	including	
	 with	Carlson	Wagonlit	Travelp£                                       news, special offers and tips on how to get the most out of your
                                                                       RBC Rewards points.
  E
•		 nrol in the RBC Rewards Dining Program by Rewards Networkp
                                                                       Visit www.rbcrewards.com/enewsletter today.
  at no cost and earn 1 additional RBC Rewards point for every
  $1 CAD you spend with your card at participating restaurantsˆ

  E
•		 arn	additional	RBC	Rewards	points	when	you	rent	a	vehicle
  using your RBC Visa card∆ at participating Thrifty Car RentalR♦
  locations in Canadaˆˆ. Visit www.rbcrewards.com/earn for
  more information

•	Find	your	up-to-date	points	balance	clearly	shown	on	your
  statement each month or visit www.rbcrewards.com
 10 Welcome to RBC Royal Bank® Visa* CreditLine for small BusinesstM                   Welcome to RBC Royal Bank® Visa* CreditLine for small BusinesstM 11



 Redeeming your points
 couldn’t	be	easier	–	
 or more rewarding
 for your business.
 The RBC Rewards program offers an outstanding range of reward         Convenient gift certificates/cards.
 possibilities. Use your points to reward employees, purchase          With	gift	certificates/cards	starting	at	2,500	RBC	Rewards	
 supplies for the office or to pamper yourself.                        points, treat your employees to a cappuccino at Starbucks
                                                                       or movie passes to Cineplex Entertainment. Simply redeem
                                                                       your RBC Rewards points for gift certificates/cards from many
 What will you redeem your RBC Rewards points for?                     of Canada’s leading retailers.
  T
•		 ravel	rewards	
•	Merchandise	rewards	                                                 RBC financial Rewards.
•	Gift	certificates/cards	                                             RBC Financial Rewards vouchers represent a suite of RBC Royal
                                                                       Bank lending and investing vouchers. Redeem your points to
•	RBC	Financial	Rewards	vouchers	                                      pay down your Royal Credit Line®, RBC Personal Loan or your
•	Experiences	by	RBC	Rewards                                           RBC Mortgage faster. Or use it to invest in a Registered Retirement
                                                                       Savings Plan (RRSP) or Registered Education Savings Plan (RESP)
•	Charitable	donations                                                 with Royal Bank of Canada, RBC Dominion Securities Inc. or
                                                                       RBC	Direct	Investing	Inc.	Minimum	redemption	is	12,000	
                                                                       RBC Rewards points for a $100 voucher.

 travel rewards.
 With	the	RBC	Rewards	program,	you	can	redeem	your	points	for	         extraordinary experiences await you.
 flights,	cruises,	tours,	holiday	packages,	hotel	accommodations,	     Experiences by RBC Rewards offers an exciting selection of escapes,
 VIA Rail travel, car rentals and more. Every 100 RBC Rewards          indulgences and adventures for the cardholder with a taste for the
 points you redeem is worth $1 CAD towards your travel                 out-of-the-ordinary.	Reward	yourself	and	redeem	for	a	day	at	a	
 redemption	choice.	You	can	also	use	your	card	to	charge	any	          luxury spa and instead of taking clients for lunch, let your own
 remaining balances your points don’t cover, and earn points           personal chef take care of business.
 on the amount charged.
 To	redeem	for	flights,	call	the	RBC	Rewards	Travel	Redemption	
 Centre	at	1-877-636-2870.


 Brand-name merchandise rewards.
 The right reward can go a long way for your business. Choose
 from	our	section	of	over	280	merchandise	rewards	including	
 office furniture, business accessories, golf clubs and more from
 trusted names such as Future Shop, RONA and Toyota to name
 just a few.
12 Welcome to RBC Royal Bank® Visa* CreditLine for small BusinesstM                   Welcome to RBC Royal Bank® Visa* CreditLine for small BusinesstM 13



                                                                      Security and protection.



donate RBC Rewards points and make a difference.                      Lost or stolen card.
One of the most rewarding experiences you can enjoy is helping        As	soon	as	you	realize	your	card	is	missing,	call	the	Lost	or	
others. The RBC Rewards program offers you the opportunity            Stolen Cards number below. Be sure to identify yourself as an
to donate your points as a monetary contribution towards your         RBC Royal Bank Visa CreditLine for Small Business client when
choice	of	two	registered	charitable	organizations:	Hope	Air,	which	   you call. The Visa Card Centre will cancel your lost or stolen
arranges air transportation for Canadians in need of medical care     card and issue a replacement card to you by mail. Once you
and	treatment	far	from	home;	and	Own	the	Podium	2010,	which	          receive your new card, remember to advise those companies
supports	the	Canadian	Olympic	team.	Your	contribution	will	be	        with	whom	you	have	pre-authorized	payments	of	any	card	
recognized	with	an	official	receipt	for	tax	purposes.                 number or expiry date changes.
                                                                      Lost	or	Stolen	Cards	Inside	North	America:	1-800	ROYAL®	1-2	
                                                                      (1-800-769-2512)
                                                                      Collect	from	outside	North	America:	416-974-7780
                                                                      If you find your card after you have reported it missing, do not
                                                                      use it. Destroy it by cutting it in two.



To redeem your RBC Rewards points                                     Zero Cardholder Liability.
                                                                      In	these	changing	times,	protection	against	unauthorized	use	
simply call 1-800-769-2512 or visit                                   of	your	card	is	absolutely	essential	–	in	person	or	online.	With	
www.rbcrewards.com                                                    Zero Cardholder Liability, you are not liable for fraudulent charges
                                                                      provided	that,	for	PIN-initiated	transactions	such	as	ATM	
For the RBC Rewards catalogue and a complete list of terms and        withdrawals, you have taken the reasonable precautions to
conditions, please visit www.rbcrewards.com                           protect your PIN, as set out in your RBC Royal Bank Visa Agreement.
14 Welcome to RBC Royal Bank® Visa* CreditLine for small BusinesstM                        Welcome to RBC Royal Bank® Visa* CreditLine for small BusinesstM 15




Chip & Pin for the highest level of security.                              it all adds up to increased security.
Your	RBC	Royal	Bank	Visa	CreditLine	for	Small	Business	card                Chip & PIN technology makes an already safe payment system
features	state-of-the	art	chip	&	PIN	technology	which	protects	            even more secure. Chip cards have been tested, proven, and
you against counterfeiting and fraud because the chip embedded             are	now	in	wide	use	in	many	parts	of	the	world.	Your	Chip	&	
in your card is encrypted and virtually impossible to replicate.           PIN RBC Visa card will increase your peace of mind and you’ll
When	you	make	a	transaction	at	a	chip-enabled	terminal,	                   be better protected against counterfeiting and card fraud.
you’re in control.
                                                                           For more information about your PIN, please refer to the letter
You	will	insert	your	card	into	the	terminal	and	leave	it	there,	follow	    you received with your new RBC Royal Bank Visa CreditLine for
the prompts and enter your Personal Identification Number (PIN)            Small Business card or visit www.rbcroyalbank.com/cards/chip
instead of verifying the transaction with your signature.
Since it will take time for stores and restaurants to be set up with
                                                                           Helpful advice – Protect Your information.
chip-enabled	terminals,	it	will	still	be	necessary	for	you	to	sign	
your receipt when the magnetic stripe on your card is swiped.             •	Always	tear	or	shred	your	Visa	statements	into	small	pieces		
Rest assured, however, that these transactions continue to be               before discarding them
secure and you are always protected against fraud with the
                                                                          •	Never	tell	anyone	your	credit	card	number	unless	you	are		
Visa Zero Cardholder Liability policy.
                                                                          	 100%	sure	that	it	is	a	legitimate	request		
While	you	may	not	use	it	often	now,	your	PIN	has	become	a	key	
                                                                          •	Keep	a	list	of	your	credit	card	information	including	account		
security element of your card. Remember your PIN, change it often
                                                                            numbers and expiration dates in a secure place. If your card is
at any RBC Royal Bank branch, and never disclose it to anyone.
                                                                            ever lost or stolen, you’ll have the information you need handy


Changing your Pin is simple.
If you have forgotten or would like to change your PIN, please
visit any RBC branch.
16 Welcome to RBC Royal Bank® Visa* CreditLine for small BusinesstM                        Welcome to RBC Royal Bank® Visa* CreditLine for small BusinesstM 17



Feel safe and secure
with Assured Assistance.


  travel services – assured assistance.                                    • Prescription medicines
  W
	 	 hen	travelling	outside	your	province	of	residence,	Assured	              W
                                                                           	 	 hile	travelling,	you	can	call	Assured	Assistance	to	help	you	
  Assistance	Inc.	(“Assured	Assistance”)	provides	you	with	a	range	          obtain medication for which you already have a prescription.
  of valuable services to provide assistance if you are faced with           Assured Assistance will contact your doctor and make necessary
  certain unexpected situations, medical emergencies or problems             arrangements so you can pick up your prescription at a nearby
  requiring	legal	assistance.	Assured	Assistance	is	available	to	answer	     pharmacy. The cost of filling the prescription and any courier
  any	questions	or	claims	regarding	the	insurances	described	in	this	        charges will be processed as a purchase to your account.
  guide and the following emergency services.

                                                                           • Valuable documents
• Emergency cash advance and airline tickets                                 Suddenly discovered you have left your passport, driver’s
  Breathe a sigh of relief. Should your card be lost or stolen while         licence or vital business papers behind? Assured Assistance
  travelling anywhere in the world, you can promptly be provided             can have valuable documents picked up and delivered to your
  with emergency funds or have airline tickets arranged for you.             destination, provided there is someone at your home or office
  Emergency funds will be charged to your account as a cash                  to locate the documents. Courier expenses will be charged to
  advance†† and tickets will be billed as a purchase.                        your account as a purchase.


• Emergency message service                                                • Legal and bail assistance
  A tremendous benefit when cell coverage or email is unavailable.           If you find yourself in need of legal counsel while away
  When	travelling,	RBC	Royal	Bank	Visa	CreditLine	for	Small	Business	        from home, you can call Assured Assistance for names of local
  card clients are entitled to a free telephone message service to send      attorneys, embassies and consulates who may be able to help1.
  and	receive	messages	in	the	event	of	a	personal	emergency.	You,	           Assured Assistance can also arrange for funds to be transferred
  and those who need to stay in touch with you, can call Assured             directly	from	your	account	if	you	are	required	to	post	bail	
  Assistance to leave or retrieve brief messages.                            or advance funds to counsel. The final selection of any legal
                                                                             service provider is your right and responsibility.


                                                                           • Pre-trip assistance
                                                                             Call Assured Assistance before you leave for helpful
                                                                             information such as health precautions as specified by the
                                                                             World	Health	Organization,	weather	reports	for	major	cities	
                                                                             around the world, currency	exchange	rates	and	immunization	
                                                                             and	visa	requirements.
                                                                             A
                                                                           	 	 ssured	Assistance	can	be	reached	24	hours	a	day	at	1-800-533-2778.
                                                                             Outside	Canada	or	the	U.S.,	call	collect:	905-816-2584.
                                                                             K
                                                                           	 	 eep	these	numbers	along	with	your	travel	documents	for	
                                                                             immediate assistance.
18 Welcome to RBC Royal Bank® Visa* CreditLine for small BusinesstM                                Welcome to RBC Royal Bank® Visa* CreditLine for small BusinesstM 19



We’ve	got	you	covered.



Purchase security and extended Warranty insurance2.                   ® Registered trademarks of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of
                                                                        Royal Bank of Canada.
Purchases made on your RBC Royal Bank Visa CreditLine for Small       TM   Trademark of Royal Bank of Canada.
                                                                      *    Registered trademarks of Visa International Service Association. Used under license.
Business card are automatically protected against loss, theft or      R    Registered trademark of Thrifty, Inc.
damage	for	up	to	90	days	from	the	date	of	purchase.	The	card	also	        All brand names and trademarks are property of their respective owners (and are used under license
doubles the manufacturer’s original Canadian warranty for up to            if applicable).
                                                                      ++ Prime Rate means the annual rate of interest Royal Bank of Canada announces from time to time as a
one extra year. Please keep your receipts in the event you need to       reference rate for determining interest rates on Canadian dollar commercial loans in Canada. The Prime
make a claim. Subject to policy terms and conditions. Please refer       Rate may fluctuate from time to time.
                                                                      N
                                                                           RBC Rewards points are earned on purchases only; they are not earned on cash advances (including Visa
to the enclosed Certificate of Insurance for complete details              cheques) interest charges or fees, and credits for returns or adjustments will reduce or cancel the points
regarding this coverage.                                                   earned by the amounts originally charged.
                                                                      ±    Points will be cancelled if not used within 90 days after the termination of the program or after I voluntarily
                                                                           close my Visa Account. See the RBC Rewards Terms and Conditions at www.rbcrewards.com for details.
For	questions	or	claims,	contact	Assured	Assistance	toll-free	at	
                                                                      ‡    Access fees may apply. Transaction fees also apply when making bill payments or funds transfer through
1-800-533-2778.	                                                           Online Banking and Telephone Banking, and are separate from access fees.
                                                                      £    Additional RBC Rewards points are awarded on qualifying purchases made at participating Canadian
Outside	Canada	or	the	U.S.,	call	collect:	905-816-2581.                    CWT locations only, in addition to the standard RBC Rewards points you earn per dollar when you use
                                                                           your Visa card to pay for purchases. Additional points are not awarded on taxes, service fees, surcharges,
                                                                           purchases made under CWT Corporate Travel agreements or when booking non-preferred suppliers.
                                                                           The CWT program is operated and maintained by CWT. All terms, conditions and restrictions applicable
                                                                           to the program are established by CWT. Some conditions apply. For more details, visit:
                                                                           www.rbcrewards.com/cwt
                                                                      ^    Additional RBC Rewards points are awarded on purchases made at participating restaurants only, in
                                                                           addition to the standard RBC Rewards points you earn per dollar when you use your Visa card to pay for
                                                                           purchases. The RBC Rewards Dining Program (“Dining Program”) is operated and maintained by Rewards
                                                                           Network Canada LP (“Rewards Network”). All terms, conditions and restrictions applicable to the Dining
                                                                           Program, as well as all participating restaurants, are established by Rewards Network. Some conditions
                                                                           apply. For more details, visit: www.rbcrewards.rewardsnetwork.com
                                                                      ∆    Visa card must earn RBC Rewards points.
                                                                      ^^ Additional RBC Rewards points are awarded on qualifying purchases made at participating Canadian
                                                                         locations only, in addition to the standard RBC Rewards points you earn per dollar when you use your
                                                                         Visa card to pay for purchases. A qualifying purchase is a single rental of minimum one (1) day and
                                                                         maximum twenty-eight (28) days, made at a general rate, corporate rate, government rate, or travel
                                                                         agent rate. The Thrifty Car Rental program is operated and maintained by Dollar Thrifty Automotive Group
                                                                         (“DTAG”) Canada Inc. All terms, conditions and restrictions applicable to the program are established
                                                                         by DTAG. Some limitations and exclusions apply. For more details, call 1-800-THRIFTY or visit:
                                                                         www.rbcrewards.com/thrifty
                                                                      †† Cash advances including Visa cheques are subject to the annual interest rate applicable to your account as
                                                                         shown on your Visa statement from the day it is posted until the balance is paid in full. Cash advance fees
                                                                         may apply. Please refer to your RBC Royal Bank Visa Agreement for applicable fees.
                                                                      1    Assured Assistance Inc., or the Royal Bank of Canada, cannot accept responsibility for the actual
                                                                           performance of any person or company made available to assist you.
                                                                      2    Coverage underwritten by RBC General Insurance Company in the Province of Quebec and by RBC Insurance
                                                                           Company of Canada in the rest of Canada.


                                                                      Insurance benefits are available to Canadian residents only.
                                                                      All insurance is subject to limitations and exclusions. Please refer to the Certificate of Insurance included
                                                                      in this kit for complete details.
                                                                      For complete terms and conditions of the RBC Rewards program, please refer to the RBC Rewards Catalogue
                                                                      or visit www.rbcrewards.com
45120	(04/2009)




Important Information.
RBC Royal Bank Visa Customer service
Card inquiries and information
In	Canada/U.S.	1-800	ROYAL®	1-2	(1-800-769-2512)
Outside	Canada/U.S.	call	collect	416-974-7780
Lost or stolen cards, 24 hours/7 days
Canada/U.S.	1-800	ROYAL	1-2	(1-800-769-2512)
International	(Access	code)	800	ROYAL®	5-2-3
(Access	code)	(800-769-25523)
Collect	514-392-9167
If you prefer not to have telephone access to your account information,
please call 1-800 ROYAL 1-2 (1-800-769-2512) to disable this service.


Assured Assistance
For assistance with any of the travel services and insurances listed
in this guide:
In	Canada/U.S.	1-800-533-2778
Outside	Canada/U.S.	call	collect	905-816-2581.
TDD/TTY	1-800	ROYAL	1-8	(1-800-769-2518)


RBC Rewards®
To redeem your points for travel call 1-877-636-2870
Monday	–	Friday	8	a.m.	to	9	p.m.	EST
Saturday	8	a.m.	to	5	p.m.	EST
To redeem your points for merchandise, gift certificates/cards,
RBC Financial Rewards® vouchers, or donate to a charity, call
1-800	ROYAL	1-2	(1-800-769-2512)
Monday	-	Friday	7	a.m.	to	1	p.m.	EST
Saturday,	Sunday	7	a.m.	to	11	p.m.	EST
To redeem your points for merchandise, gift certificates/cards,
and RBC Financial Rewards vouchers, or donate to a charity online,
go to www.rbcrewards.com
To	increase	your	credit	limit	call	1-800	ROYAL	2-0	and	talk	to	a	
Business Advisor today.

								
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