Common use of Dishonoured Payment Fee Clause in Contracts

Dishonoured Payment Fee. If a payment is not processed because a bank returns a cheque or refuses a pre-authorized debit, a $45 fee will be charged to your Account on the date the payment reversal is posted. This fee is in addition to any fee charged for insufficient funds in the bank account. Additional Monthly Statement Copy Fee: If you order an additional copy of your monthly statement, a $5 fee will be charged to your Account within 3 business days from when the copy was requested. A fee of $1.50 will be charged to your Account within 3 business days from each monthly statement update obtained from one of our branches in Canada or obtained at an ATM that provides monthly statement updates. Transaction Receipt Copy Fee: If you request a copy of any transaction receipt, no fee will be charged if it relates to a transaction on your current monthly statement. Otherwise, a $2 fee for each copy will be charged to your Account each time the situation occurs. Receipt copies are not always available for purchases made using your Credit Card with your PIN. For US Dollar Visa Gold, these fees are stated in US Dollars. Fees may change. If they do, we will tell you in advance. If we use a collection agency or a law firm to collect or attempt to collect amounts owed by you to us, you must pay all of our expenses, including legal fees. RBC Rewards Program Many of our Credit Cards allow you to earn RBC Rewards points, which can be redeemed for merchandise, travel and other rewards. If you have this type of Credit Card, the RBC Rewards Terms and Conditions set out the terms of your participation in RBC Rewards program. They are available for your review at xxx.xxxxxxxxxx.xxx and are subject to change without notice to you. If you would like a paper copy, please let us know. RBC Cash Back Program Some of our Credit Cards allow you to earn back a certain percentage of the total amount of eligible net purchases charged to your Account annually, as a credit to your Account. If you have this type of Credit Card, the RBC Cash Back Terms and Conditions set out the terms of your participation in the RBC Cash Back program, including the manner in which the cash back credit is calculated and credited. They are available for your review at xxx.xxx/xxxxxxxxxxxxx and are subject to change without notice to you. If you would like a paper copy, please let us know. Co-Branded Credit Cards Some of our Credit Cards allow you to participate in the loyalty programs of other selected companies. These companies do not act on our behalf. They are solely responsible to you for the services and benefits offered through their loyalty programs as well as the administration of such programs, including how you can earn and redeem partner rewards (such as points, miles or reward dollars).

Dishonoured Payment Fee. If a payment is not processed because a bank returns a cheque or refuses a pre-authorized debit, a $45 fee will be charged to your Account on the date the payment reversal is posted. This fee is in addition to any fee charged for insufficient funds in the bank account. Additional Monthly Statement Copy Fee: If you order an additional copy of your monthly statement, a $5 fee will be charged to your Account within 3 business days from when the copy was requested. A fee of $1.50 will be charged to your Account within 3 business days from each monthly statement update obtained from one of our branches in Canada or obtained at an ATM that provides monthly statement updates. Transaction Receipt Copy Fee: If you request a copy of any transaction receipt, no fee will be charged if it relates to a transaction on your current monthly statement. Otherwise, a $2 fee for each copy will be charged to your Account each time the situation occurs. Receipt copies are not always available for purchases made using your Credit Card with your PIN. For US Dollar Visa Gold, these fees are stated in US Dollars. Fees may change. If they do, we will tell you in advance. If we use a collection agency or a law firm to collect or attempt to collect amounts owed by you to us, you must pay all of our expenses, including legal fees. RBC Rewards Program Many of our Credit Cards allow Special Offers (Introductory and Promotional Interest Rates) We may make special offers to you from time to earn RBC Rewards pointstime, which can be redeemed for merchandise, travel including Introductory Interest Rate and other rewardsPromotional Interest Rate offers that temporarily lower the interest rate applicable to portions of your balance, such as when you make certain types of Cash Advances. We sometimes make Introductory Interest Rate offers which apply to new Accounts only. For example, we could offer a low Introductory Interest Rate applicable to certain transactions for a limited period of time, such as a 3.9% Introductory Interest Rate on all Cash Advances for the first 9 months. A Promotional Interest Rate offer is an offer we may periodically make to you and that applies to your Credit Card after your Account has been opened. For example, we could offer you a low Promotional Interest Rate applicable to certain transactions for a limited period of time, such as a 1.99% Promotional Interest Rate on Balance Transfers for 12 months. If we make you a special offer, we will explain its scope and duration and any additional terms that apply to it. If you have accept the special offer by making a balance transfer or otherwise taking advantage of the special offer, you will be bound by this type of Credit CardAgreement and any additional terms we set out in the offer. When the promotion expires, the RBC Rewards Terms special offer terms will end and Conditions the terms and conditions of this Agreement will continue to apply, including those related to interest and payments. Your monthly statement will set out any Introductory Interest Rate(s) or Promotional Interest Rate(s) that applies to your New Balance, any remaining balances associated with those rates, and when those rates expire. If any expiry date falls on a date for which we do not process statements (for example, weekends and certain holidays), we will continue to provide you with the terms benefit of your participation in RBC Rewards program. They are available for your review at xxx.xxxxxxxxxx.xxx and are subject to change without notice to youthat Introductory Interest Rate or Promotional Interest Rate until our next statement processing day. If you would like a paper copydo not make your Minimum Payment by the Payment Due Date and you have not paid it by your New Statement Date, please let us knowyou will lose the benefit of any Introductory Interest Rate or Promotional Interest Rate offer in which you are participating and your standard interest rates will apply (subject to any further increase as described in the section titled “Minimum Payments”). RBC Cash Back Program Some of our Credit Cards allow you This increase will take effect in the third statement period after your missed payment. This means that your increased rate will apply to earn back a certain percentage of the total amount of eligible net purchases charged all new transactions posted to your Account annuallyand to all remaining balances, as a beginning on the first day of that third statement period. We may choose not to take away the benefit of any special offer. Our decision to do so will depend upon our assessment of you and your Account in accordance with our credit to your Account. If you have this type of Credit Card, the RBC Cash Back Terms and Conditions set out the terms of your participation in the RBC Cash Back program, including the manner in which the cash back credit is calculated and credited. They are available for your review at xxx.xxx/xxxxxxxxxxxxx and are subject to change without notice to you. If you would like a paper copy, please let us know. Co-Branded Credit Cards Some of our Credit Cards allow you to participate in the loyalty programs of other selected companies. These companies do not act on our behalf. They are solely responsible to you for the services and benefits offered through their loyalty programs as well as the administration of such programs, including how you can earn and redeem partner rewards (such as points, miles or reward dollars)risk policies.

Dishonoured Payment Fee. If a payment is not processed because a bank returns a cheque or refuses a pre-authorized debit, a $45 fee will be charged to your Account on the date the payment reversal is posted. This fee is in addition to any fee charged for insufficient funds in the bank account. Additional Monthly Statement Copy Fee: If you order an additional copy of your monthly statement, a $5 fee will be charged to your Account within 3 business days from when the copy was requested. A fee of $1.50 will be charged to your Account within 3 business days from each monthly statement update obtained from one of our branches in Canada or obtained at an ATM that provides monthly statement updates. Transaction Receipt Copy Fee: If you request a copy of any transaction receipt, no fee will be charged if it relates to a transaction on your current monthly statement. Otherwise, a $2 fee for each copy will be charged to your Account each time the situation occurs. Receipt copies are not always available for purchases made using your Credit Card with your PIN. Installment Plan Fee: A fee may be charged when you take advantage of an Installment Plan. If charged, it will be disclosed to you at the time you set up your plan, and will be either a (i) one-time fee of up to 3% of the total purchase amount converted to an Installment Plan, charged within 3 business days from the date of conversion, or (ii) monthly fee of up to 1.15% of the total purchase amount converted to an Installment Plan, charged on the last day of each statement period, so long as any portion of the purchase amount remains in the Installment Plan. Where your Installment Plan has a monthly fee, the monthly fees for the first and second statement periods are charged on your second monthly statement. The Installment Plan Fee does not apply if any of you reside in Quebec. For US U.S. Dollar Visa Gold, these fees are stated in US U.S. Dollars. Fees may change. If they do, we will tell you in advance. If we use a collection agency or a law firm to collect or attempt to collect amounts owed by you to us, you must pay all of our expenses, including legal fees. RBC Rewards Program Many of our Credit Cards allow you to earn RBC Rewards points, which can be redeemed for merchandise, travel and other rewards. If you have this type of Credit Card, the RBC Rewards Terms and Conditions set out the terms of your participation in RBC Rewards program. They are available for your review at xxx.xxxxxxxxxx.xxx and are subject to change without notice to you. If you would like a paper copy, please let us know. RBC Cash Back Program Some of our Credit Cards allow you to earn back a certain percentage of the total amount of eligible net purchases charged to your Account annually, as a credit to your Account. If you have this type of Credit Card, the RBC Cash Back Terms and Conditions set out the terms of your participation in the RBC Cash Back program, including the manner in which the cash back credit is calculated and credited. They are available for your review at xxx.xxx/xxxxxxxxxxxxx and are subject to change without notice to you. If you would like a paper copy, please let us know. Co-Branded Credit Cards Some of our Credit Cards allow you to participate in the loyalty programs of other selected companies. These companies do not act on our behalf. They are solely responsible to you for the services and benefits offered through their loyalty programs as well as the administration of such programs, including how you can earn and redeem partner rewards (such as points, miles or reward dollars).

Dishonoured Payment Fee. If a payment is not processed because a bank returns a cheque or refuses a pre-authorized debit, a $45 fee will be charged to your Account on the date the payment reversal is posted. This fee is in addition to any fee charged for insufficient funds in the bank account. Additional Monthly Statement Copy Fee: If you order an additional copy of your monthly statement, a $5 fee will be charged to your Account within 3 business days from when the copy was requested. A fee of $1.50 will be charged to your Account within 3 business days from each monthly statement update obtained from one of our branches in Canada or obtained at an ATM that provides monthly statement updates. Transaction Receipt Copy Fee: If you request a copy of any transaction receipt, no fee will be charged if it relates to a transaction on your current monthly statement. Otherwise, a $2 fee for each copy will be charged to your Account each time the situation occurs. Receipt copies are not always available for purchases made using your Credit Card with your PIN. Installment Plan Fee: A fee may be charged when you take advantage of an Installment Plan offer. If charged, it will be disclosed to you at the time of offer, and will be either a (i) one-time fee of up to 3% of the total purchase amount converted to an Installment Plan, charged within 3 business days from the date of conversion, or (ii) monthly fee of up to 1.15% of the total purchase amount converted to an Installment Plan, charged on the last day of each statement period, so long as any portion of the purchase amount remains in the Installment Plan. Where your Installment Plan has a monthly fee, the monthly fees for the first and second statement periods are charged on your second monthly statement. The Installment Plan Fee does not apply if any of you reside in Quebec. For US U.S. Dollar Visa Gold, these fees are stated in US U.S. Dollars. Fees may change. If they do, we will tell you in advance. If we use a collection agency or a law firm to collect or attempt to collect amounts owed by you to us, you must pay all of our expenses, including legal fees. RBC Rewards Program Many of our Credit Cards allow you to earn RBC Rewards points, which can be redeemed for merchandise, travel and other rewards. If you have this type of Credit Card, the RBC Rewards Terms and Conditions set out the terms of your participation in RBC Rewards program. They are available for your review at xxx.xxxxxxxxxx.xxx and are subject to change without notice to you. If you would like a paper copy, please let us know. RBC Cash Back Program Some of our Credit Cards allow you to earn back a certain percentage of the total amount of eligible net purchases charged to your Account annually, as a credit to your Account. If you have this type of Credit Card, the RBC Cash Back Terms and Conditions set out the terms of your participation in the RBC Cash Back program, including the manner in which the cash back credit is calculated and credited. They are available for your review at xxx.xxx/xxxxxxxxxxxxx and are subject to change without notice to you. If you would like a paper copy, please let us know. Co-Branded Credit Cards Some of our Credit Cards allow you to participate in the loyalty programs of other selected companies. These companies do not act on our behalf. They are solely responsible to you for the services and benefits offered through their loyalty programs as well as the administration of such programs, including how you can earn and redeem partner rewards (such as points, miles or reward dollars).