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RBC REFERRAL AWARDS

Get rewarded for mortgage referrals and grow your business with RBC®

Sign up now!


IT PAYS TO TEAM UP WITH RBC

As an eligible professional* in our client’s home buying journey, sign up for
the RBC Referral Awards program and you could receive Avion® points on your
Avion Rewards credit card or your RBC bank account* for every eligible mortgage
referral* plus access to our team of mobile mortgage specialists who can help
you build your business and provide differentiated advice and experience.

 * How It Works
 * Build Your Business
 * Alternate Mortgage Solutions
 * Events
 * FAQs


EARNING YOUR REWARDS IS EASY!

Register. Go to referralawards.rbc.com to enroll using your email address or
through RBC Online Banking if you have an RBC Client Card. You will receive a
Personal ID code that can be used for your referrals.

Refer. Connect your clients with your preferred RBC mortgage specialist.

Rewards. Get rewarded with Avion points credited to the Rewards Account tied to
your Avion Rewards credit card or to your RBC bank account for every qualified
mortgage referral.

Not a points collector? No problem. You can sign up as a non-points participant
and be rewarded with access to exclusive virtual and in person events and
experiences throughout the year.

Don't forget: Every time you refer a client to RBC, you must disclose that you
are a member of the RBC Referral Awards program and that both of you will
benefit from a successful referral.


HOW TO EARN POINTS

Once enrolled in the program you are tracked on every qualified mortgage
referral as either a point member or non-point member participant.

Your rewards will GROW with your referrals!

Partner Level Number of Fully Advanced Qualified Mortgage Referrals Points
Earned per Fully Advanced Qualified Mortgage Referral Elite Partner 11+ 20,000
points VIP Partner 5 – 10 16,000 points Key Partner 1 - 4 10,000 points

Your Partnership level in the program will be based on the number of Fully
Advanced Qualified Mortgage Referrals in the previous twelve (12) months period
and is re-evaluated each month, as follows:

 * As soon as you enroll in the Program, the initial twelve (12) months period
   starts. If you enrolled in the Program in September 2022, the initial Period
   applicable to the COI will be from September 2022 to August 2023


HOW WILL YOU USE YOUR POINTS?

Are you the type to browse the catalogue regularly to spend those well-deserved
points that are burning a hole in your virtual pocket? Or do you save them up
for that one big ticket item or trip you’ve always wanted? Either way, it’s your
choice.

REDEEM YOUR AVION POINTS FOR*:

Brand name merchandise

Apple‡ or Best Buy‡ products through our online catalogue

Gift cards from your favourite retailers

Travel experiences

YOU CAN EVEN:

Use your points to pay down a credit card balance

Use your points to contribute to investments

Make a difference by donating your points to a charity

Your Avion points will also let you shop the latest brand-name products,
electronics, kitchen gadgets, and fashion. Plus, the total points you redeem
cover the taxes and shipping.

Visit https://www.avionrewards.com/index.html to learn more.


WE WANT TO SEE YOUR BUSINESS GROW.

You work hard to help your clients get into their perfect home and your
reputation is important, so you need to be confident that you have a mortgage
specialist that will exceed your expectations with every referral – not just at
the purchase phase, but throughout their entire home ownership journey.

Whether you’re looking for advice on reliable financing solutions, or new
marketing opportunities, your RBC mortgage specialist can help you build your
business.

With RBC you’ll get:

 * High quality referrals
 * Access to resources and training webinars
 * Firm, fast approvals
 * Co-branded marketing opportunities
 * Innovative tools and programs
 * A dedicated AMS (Alternate Mortgage Solutions) program for your clients who
   may not meet the standard lending criteria.


THE RBC ROYAL BANK ALTERNATE MORTGAGE SOLUTIONS (AMS) PROGRAM

Finding more ways to say “Yes” and close the deal.

The AMS team is a group of professionals within RBC Royal Bank committed to
helping clients who don’t currently meet standard lending criteria.  Over the
years, we have helped thousands of clients finance their home through the AMS
program.

 * The AMS program is a unique program offered by RBC Royal Bank and is an
   extension to our home equity financing solutions.
 * The program strengthens our Real Estate Agent collaborations by creating a
   one-stop-funding source for Real Estate Agents.
 * The program provides Real Estate Agents’ clients with access to a strong and
   diverse portfolio of reputable alternate lenders across Canada.
 * Many customers later return to RBC Royal Bank for home equity financing.

KEY BENEFITS

 * No RBC fees paid by client
 * Reputation you can trust
 * One-stop shop at RBC

THESE ARE SOME OF THE SITUATIONS WHERE THE AMS TEAM CAN HELP:

 * Bruised or challenged credit
 * Consumer proposal/bankruptcy
 * Construction financing
 * CRA arrears
 * Expanded debt service ratio

 * Insured mortgages
 * Refinancing
 * Second mortgages
 * Self-employed/stated income
 * Separation and divorce

CONTACT YOUR RBC® MORTGAGE SPECIALIST FOR DETAILS.


RBC® REAL ESTATE PARTNER APPRECIATION WEEK IS BACK!
MARCH 27TH – 31ST

RBC Real Estate Partner Appreciation Week is all about you! We recognize the
important role you play in our mutual clients’ home buying journey, so we are
taking this opportunity to give a heartfelt thank you for your ongoing
partnership and support. We look forward to continuing to work together to help
our clients find a house they will call home.

As a valued member of the RBC Referral Awards program, you are invited to join
us for any or all of the following exclusive virtual events:

  Details Date / Time Link RBC Global Asset Management: Global Economic Update
with David Richardson
(English Event) View DetailsHide Details

Event Details:
This presentation will provide a review of global economic conditions that will
impact the Canadian economy, interest rates and housing.

Speaker Details:
David Richardson has been with RBC for more than 30 years. Over the past 26
years, he has worked at Canada’s largest investment manager, RBC Global Asset
Management, where he is currently Vice President & Head, Enterprise Distribution
Strategy. David and his team support

RBC’s nearly 10,000 licensed investment advisors, helping them guide their
investment customers to reach their financial goals.

Host:
Mike Linehan - National Head - Mortgage Specialists, RBC

Speaker:
Dave Richardson - VP & Head, Enterprise Distribution Strategy, RBC

March 27th
2:00pm – 3:30pm EST

Virtual or In-Person Event

Link Lorsque le marché immobilier ralentit au Canada, tournez-vous vers le sud.

 

When the real estate market slows in Canada, look south
(French Event)

View DetailsHide Details

Event Details:
Join us as our panel of experts speak to the benefits of helping your Canadian
clients buy U.S. real estate. With speakers from RBC Bank (U.S.), CREA Global,
Tax & Legal and more, we’ll share valuable insights on how realtors can expand
their business south of the border. This virtual event will cover the process
for Canadians to purchase and refinance U.S. real estate, and with Canadian real
estate prices still sky high, you don’t want to miss this session.

Host:
Giovanna Francavilla - Regional Vice President, Mortgage Specialists – Quebec

Speaker:
Featuring Expert Speakers from RBC Bank (U.S.), CREA Global, Tax & Legal and
more

March 28th
11:00am – 12:00pm EST

Link When the real estate market slows in Canada, look south
(English Event) View DetailsHide Details

Event Details:
Join us as our panel of experts speak to the benefits of helping your Canadian
clients buy U.S. real estate. With speakers from RBC Bank (U.S.), CREA Global,
Tax & Legal and more, we’ll share valuable insights on how realtors can expand
their business south of the border. This virtual event will cover the process
for Canadians to purchase and refinance U.S. real estate, and with Canadian real
estate prices still sky high, you don’t want to miss this session.

Host:
Sabrina Ismail - Regional Vice President, Mortgage Specialists - BC West

Speaker Details:
Featuring Expert Speakers from RBC Bank (U.S.), CREA Global, Tax & Legal and
more

March 28th

2:00pm – 3:00pm EST

Link Alternate Lending National Panel
(English Event) View DetailsHide Details

Event Details:
Join us and our expert panel for an interactive conversation that will cover
what the alternate lending market is, what the challenges and opportunities are,
and how realtors can leverage alternate lending resources to help their clients.

Host:
Carol Parise, National Director Alternate Mortgage Solutions, RBC

Speaker:
Featuring Expert Speakers from Alternate Mortgage Solutions, RBC Senior Mortgage
Specialist, Real Estate Professional from Buying Homes in London – Sutton Group
Preferred Realty, Home Trust, and Equitable Bank.

March 29th
11:00am – 12:00pm EST

Link Comité national de solutions de financement de remplacement

Alternate Lending National Panel
(French Event) View DetailsHide Details

Event Details:
Join us and our expert panel for an interactive conversation that will cover
what the alternate lending market is, what the challenges and opportunities are,
and how realtors can leverage alternate lending resources to help their clients.

Host:
Giovanna Francavilla, RVP of Mortgage Specialists, Québec, RBC – Moderator

Speaker:
Featuring Expert Speakers from Alternate Mortgage Solutions, RBC Senior Mortgage
Specialist, Real Estate Professionals from The Mylie Group, Home Trust, and
Equitable Bank.

March 30th
11:00am – 12:00pm EST

Link Fireside Chat with Kevin Lee, CEO – Canadian Home Builders Association
(English Event) View DetailsHide Details

Event Details:
Join us for a fire side chat on how RBC is partnering with the Canadian Home
Builders Association to support Canadian’s purchasing New Homes in Canada

Host:
Lenette Birdsell - Senior Director, National Builder Markets, RBC

Speaker:
Kevin Lee, CEO – Canadian Home Builders Association

March 31
2:00pm – 3:00pm EST

Link

FOR A LIMITED TIME, YOU COULD EARN AN ADDITIONAL 30,000 OR 60,000 AVION POINTS1

As a thank you for your continued business, you could earn an additional 30,000
Avion points for 4 referrals that are determined by RBC to be Qualified Mortgage
Referrals or an additional 60,000 Avion points for 6 referrals that are
determined by RBC to be Qualified Mortgage Referrals made between February 27
and May 26, 2023.1

As always, your RBC Mortgage Specialist is here to help – don’t hesitate to get
in touch to learn more about how we can help you build your real estate
business.

Legal Disclaimers

Personal lending products and residential mortgages are offered by Royal Bank of
Canada and are subject to its standard lending criteria.

1 This offer is only open to Eligible Participants under the RBC Referral Awards
Program and is only valid for mortgage referrals that Royal Bank of Canada has
determined to be Qualified Mortgage Referrals and that fulfill all conditions
and requirements for the award of Recognition under the RBC REFERRAL AWARDS
PROGRAM – TERMS AND CONDITIONS – Non-Quebec (for Eligible Participants outside
of Quebec) or the RBC REFERRAL AWARDS PROGRAM – TERMS AND CONDITIONS – Quebec
(for Eligible Participants inside Quebec), as applicable, during the campaign
period of February 27 to May 26, 2023. To qualify for this offer, an Eligible
Participant must have an RBC Referral Awards account in good standing, and
enrolled as a Points Member. Maximum bonus Avion points payout is 60,000 points
when a total of 6 or more referrals are reached. This Offer is in addition to
any Recognition earned by you under the Referral Awards Program for the
referrals. Offer may be changed, withdrawn or extended at any time, without
notice. Offer not available to Alberta members.

All defined terms not otherwise defined in this document are as defined in the
RBC REFERRAL AWARDS PROGRAM – TERMS AND CONDITIONS – Non-Quebec, or RBC REFERRAL
AWARDS PROGRAM – TERMS AND CONDITIONS – Quebec, as applicable.


FREQUENTLY ASKED QUESTIONS

ELIGIBILITY

Who can participate in the program?

Canadian residents that work as a duly licensed real estate agent in Canada; or
are an employee of a builder, an Insurance Broker, Independent Financial
Planner/Advisor, a Lawyers, or Accountant, except in Quebec, where you must be a
Canadian resident and who is working as a duly licensed real estate agent in
Quebec in accordance with the provincial legislation in place.

Please see Terms and Conditions for full details. Or contact an RBC Mortgage
Specialist for clarification.

What products are eligible to earn Avion® points in the Program?

You can earn points on qualified mortgages. A Qualified Mortgage includes a
mortgage in respect of a purchase or a switch/transfer of a mortgage from
another financial institution to Royal Bank. See the RBC Referral Awards Terms
and Conditions for details.

My client did not meet RBC lending criteria. However, RBC was able to help my
client through the Alternate Mortgage Specialist program. Would I get points for
this referral?

Yes, mortgages that are processed through an RBC alternate mortgage specialist
are also eligible for our Referral Awards program. You will receive points or
non-points recognition, depending on your type of membership in the program, for
these referrals.

YOUR ACCOUNT

How do I access my Personal Referral Awards Account? What is my User Name?

You can access your Personal Referral Awards Account by logging into the program
portal using Online Banking Authentication (if you have an RBC client card) or
using the email address you used to sign into the program.

Are there different type of members in the program?

Yes, there are two type of members in the program:

 * Points member – is an eligible participant who earns Avion® points
   recognition for every qualified mortgage referral.
 * Non-points member – is an eligible participant who may receive recognition,
   other than Avion® points, under the Program such as invitations to
   participate in various activities and exclusive events.

AVION REWARDS

How can I apply for an Avion Rewards credit card?

Click here to apply for an Avion Rewards credit card and start earning Avoin®
points for every qualified mortgage referral.

Please note that eligible cards for the Program are those Avion Rewards credit
cards that are eligible to earn Avion points. Co-brand credit cards, such as
WestJet, British Airways and Cathay Pacific credit cards, cashback credit cards
and commercial credit cards are not eligible for the Referral Awards Program.

Which Avion Rewards credit cards are eligible?

Eligible Avion Rewards credit card accounts include any business or personal
credit card that allows you to earn Avion® points as follows:

 * RBC® Avion® Visa Infinite Privilege‡
 * RBC Avion Visa Infinite Privilege for Private Banking
 * RBC Avion Visa Infinite
 * RBC Avion Visa Platinum
 * RBC Rewards Visa Preferred
 * Signature® RBC Rewards Visa
 * RBC Rewards+™ Visa
 * RBC U.S. Dollar Visa Gold
 * RBC Avion visa Business
 * RBC Avion Visa Infinite Business‡
 * RBC Royal Bank Visa‡ CreditLine for Small Business ("CLSB")
 * RBC ION Visa
 * RBC ION+ Visa

Note: Commercial credit cards, Cashback and Co-Brand credit cards are not
eligible.

How can I open an RBC bank account?

If you’re already enrolled in Online Banking, just select “Open New Account”,
located next to the Bank Accounts heading in the centre of the page.

If you aren’t enrolled in Online Banking, please visit Find the Right Account.
You’ll be able to see all the accounts available to you and/or open a new
account from the same screen.

You can also visit a branch or contact our Advice Centre at 1-800-769-2511 to
get assistance to open a banking account.

Which RBC bank accounts are eligible?

The following RBC bank accounts are eligible to be enrolled in the Referral
Awards program:

 * RBC Day to Day Banking
 * RBC Advantage Banking (includes RBC Advantage Banking for students)
 * RBC Signature No Limit Banking
 * RBC VIP Banking
 * RBC No Limit Banking (discontinued)
 * RBC Student Banking (discontinued)
 * RBC No Limit Banking for Students (discontinued)
 * RBC Day to Day Savings
 * RBC Enhanced Savings
 * RBC High Interest eSavings

How do I redeem my Avion® points?

If you are a Points Member, you can redeem Avion points online at
https://www.avionrewards.com

TAX QUESTIONS

Why is my SIN number mandatory on the Enrolment Form?

Your SIN number is a mandatory field if you are a Points Members to ensure
accuracy in annual tax reporting for applicable taxation years during which
Points are awarded.

Are the Points awarded under the Program considered taxable income?

Yes, any Points awarded under the Program for qualified mortgage referrals are
considered taxable income. Participants will be issued a tax slip (T4A) that
reports the value of such taxable income for applicable taxation years during
which Avion® points are awarded.

All participants must consult with their personal tax advisor(s) regarding tax
implications and are responsible for reporting this information for tax
purposes. Any personal federal and/or provincial tax liability arising from the
award of Avion® points is the participant’s responsibility.

MISCELLANEOUS

What do I do if I have forgotten my Email Address password?

If you have forgotten your password, simply click the “Forgot Password” link in
the login screen.

The system will request your email address. Enter your email address and click
“Request a Validation Code”. Enter the validation code that is sent by email and
press Submit.

The system will allow you to enter and confirm your new password on the screen.

What do I do if I have forgotten my Online Banking password?

If you forgot your RBC Online Banking password or need to change your password,
please go to your Online Banking sign in page  and reset your password online by
selecting “Reset Your Password” on the Sign In page

Can I receive Avion® points for mortgage referrals prior to my enrolment?

No, Avion® points will not be awarded for referrals made prior to enrolment.

If you have any further questions or are experiencing technical difficulties,
please contact us at referralawards@rbc.com

SIGN UP TODAY TO START EARNING AVION POINTS ON YOUR ELIGIBLE MORTGAGE REFERRALS.

Sign up now!

Have questions about the program? Email us or connect with an RBC Mortgage
Specialist

View Legal DisclaimersHide Legal Disclaimers

Eligible realtors in the Province of Alberta may only enroll in the RBC Referral
Awards Program as Non-Points Members.
®/™
Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered
trademarks of Royal Bank of Canada.
‡
All other trademarks are the property of their respective owner(s).
*
To be eligible to enroll in the RBC Referral Awards Program (“Program”) you must
be a Canadian resident and is either (i) working as a duly licensed real estate
agent anywhere in Canada (ii) builder, builder’s agent, representative or
employee who has enrolled in the Program and meets all the Program’s eligibility
requirements in accordance with applicable laws, or (iii) an insurance broker,
independent financial planner/advisor, lawyer or accountant, except in Quebec,
where you must be a Canadian resident and who is working as a duly licensed real
estate agent in Quebec in accordance with the provincial legislation in place,
and who meets all the Program’s eligibility requirements, as well as any other
Eligible Participant as determined solely by Royal Bank from time to time, who
has enrolled in the Program and meets all the Program’s eligibility requirements
in accordance with applicable laws and/or the Eligible Participant’s respective
industry, professional and regulatory requirements and obligations

Eligible Participants can elect to enroll as either a “Points Member” or a
“Non-Points Member” (except in Alberta where Participants may only enroll in the
Program as Non-Points Members). To enroll as a Points Member, an Eligible
Participant must either: (i) be a Primary Applicant or a Co-Applicant on a
Personal Credit Card Account, (ii) be a Primary Account Owner or a Joint Account
Owner of a Personal Deposit Account, or (iii) have a Card on a Business Credit
Card Account and have redemption rights over the Points in the Rewards Account
tied to their Card, as per the “Points Ownership” section of the Avion Rewards
Terms and Conditions. Authorized Users are not eligible to be a Points Member in
the Program. As a Points Member, the Avion Rewards Terms and Conditions also
apply and can be found at avionrewards.com/terms-and-conditions. Other
conditions apply. Program may be amended at any time or terminated upon notice.
Complete terms and conditions, including defined terms, are available upon
enrollment in the Program. Employees of Royal Bank, its subsidiaries or its
affiliates are not eligible to enroll in the Program.
1
To qualify for this offer, an Eligible Participant must have an RBC Referral
Awards account in good standing, and enrolled as a Points Member. This Offer is
in addition to any Recognition earned by you under the Referral Awards Program
for the referrals. Offer may be changed, withdrawn or extended at any time,
without notice. Offer not available to Alberta members.
All defined terms not otherwise defined in this document are as defined in the
RBC REFERRAL AWARDS PROGRAM – TERMS AND CONDITIONS – Non-Quebec, or RBC REFERRAL
AWARDS PROGRAM – TERMS AND CONDITIONS – Quebec, as applicable.
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