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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