Overview of the WestJet RBC®World Elite Mastercard for Business‡

• Minimum income $80K/yr
• Household income $150K/yr
• Recommended credit score 300+
• You are a permanent Canadian resident and have reached the age of majority in the province in which you live.
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1.Earn 3 WestJet points per $1 spent on eligible WestJet flights, WestJet Vacations and Sunwing Vacations, and 1.5 WestJet points per $1 spent on all other purchases when you pay with your WestJet RBC World Elite Mastercard for Business. The additional 1.5 WestJet points per $1 spent on eligible WestJet flights, WestJet Vacations and Sunwing Vacations (i) are in addition to the 1.5 WestJet points per $1 you earn on all other purchases and are calculated separately, and (ii) will only be awarded if WestJet, WestJet Vacations or Sunwing Vacations appears as the merchant on your monthly credit card statement. This means that if you purchase WestJet flights, WestJet Vacations or Sunwing Vacations from a travel agency or a third-party booking site, you may not be eligible for the additional 1.5 WestJet points per $1. WestJet points are earned on net purchases only; they are not earned on cash advances (including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges or fees, and credits for returns and adjustments will reduce or cancel the WestJet points earned by the amounts originally charged. If you are a Silver Member, you will earn 3 additional WestJet points per $1 spent on eligible WestJet flights (including base fares and surcharges, seat selection, checked bags and cabin upgrades purchases, but excluding taxes), which totals 6 WestJet points per $1 spent, when you pay with your WestJet RBC World Elite Mastercard for Business. The 3 additional WestJet points per $1 spent on eligible WestJet flights (i) are in addition to the 3 WestJet points per $1 you earn on eligible WestJet flights and are calculated separately, and (ii) will only be awarded (a) if WestJet appears as the merchant on your monthly credit card statement, (b) as long as you remain a Silver status member, and (c) within 30 days of completion of travel.

2. Earn 3 WestJet points per $1 spent on Telecommunications, Electronics and Shipping services purchased from merchants classified by the following eligible Mastercard’s Merchant Category Codes (“Eligible MCCs”) and 1.5 WestJet points per $1 spent on all other purchases when you pay with your WestJet RBC World Elite Mastercard for Business.
Eligible MCCs are:
Telecommunications MCCs:
• 4812 Telecommunication Equipment Including Telephone Sales
• 4814 Telecommunication Services including, but not limited to, prepaid phone services and recurring phone services
Electronics MCCs:
• 5045 Computers, Computer Peripheral Equipment, Software
• 5732 Electronic Sales
• 5734 Computer Software Stores
Shipping MCC:
• 4215 Courier Services: Air and Ground, Freight Forwarders
The additional 1.5 WestJet points per $1 spent on Telecommunications, Electronics and Shipping services (i) are in addition to the 1.5 WestJet points per $1 you earn on all other purchases and are calculated separately, and (ii) will only be awarded on purchases made at merchants classified by an Eligible MCC.
Even though some merchants may sell Telecommunications, Electronics or Shipping services, purchases made at these merchants may not necessarily qualify for the additional 1.5 WestJet points per $1 if the merchant is not classified by an Eligible MCC. Also, merchants that are not classified by an Eligible MCC may be located on the premises of other vendors that are classified by an Eligible MCC, and purchases made at these merchants may not qualify for the additional 1.5 WestJet points per $1.
Royal Bank of Canada (“Royal Bank”) cannot guarantee that a merchant selling Telecommunications, Electronics or Shipping services is classified by an Eligible MCC and in no event will Royal Bank be liable or responsible for any claims with respect to purchases made at a merchant that is not classified by an Eligible MCC. WestJet points are earned on net purchases only; they are not earned on cash advances (including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges or fees, and credits for returns and adjustments will reduce or cancel the WestJet points earned by the amounts originally charged. Royal Bank and WestJet reserve the right to cancel, modify or withdraw this benefit at any time.

3. The primary cardholder on a WestJet RBC World Elite Mastercard for Business account (“Primary Business Cardholder”) will enjoy all the benefits of WestJet Silver status (“Silver Benefits”), starting within ten (10) days from their WestJet RBC World Elite Mastercard for Business account (“WestJet RBC Business Account”) approval date, until December 31st of the following calendar year (“First Year Silver Benefit”).

Once the First Year Silver Benefit expires, the Primary Business Cardholder will continue to enjoy the Silver Benefits for the next Qualifying Year (as defined below) if a total of at least $30,000 in Eligible Purchases (as defined below) was charged to their Eligible WestJet RBC Business Account in the preceding Qualifying Year (“Subsequent Silver Benefit”), and so on thereafter.

“Eligible Purchases” means the total of net purchase transactions, made by all cardholders on the WestJet RBC Business Account, that appear on the Eligible WestJet RBC Business Account monthly statements prepared during a Qualifying Year (as defined below), minus returns, other credits, fees, interest charges, and cash advances (such as balance transfers, cash-like transactions and bill payments that are not pre-authorized charges set up with a merchant).

“Qualifying Year” means January 1 to December 31 of each calendar year. For new Eligible WestJet RBC Business Accounts, it means the period between the first WestJet RBC Business Account’s monthly statement date, and December 31.

If, while enjoying the First Year Silver Benefit or a Subsequent Silver Benefit, a total of less than $30,000 in Eligible Purchases is charged to their Eligible WestJet RBC Business Account during that Qualifying Year, the Primary Business Cardholder will lose the Silver Benefits starting on the following January 1st. Thereafter, each time at least $30,000 in Eligible Purchases is charged to their Eligible WestJet RBC Business Account at any time during a Qualifying Year, the Primary Business Cardholder will re-gain access to Silver Benefits starting on the first day of the following account statement period, and will enjoy the Silver Benefits until December 31st of the following Qualifying

To establish if a minimum of $30,000 in Eligible Purchases was charged to a Eligible WestJet RBC Business Account in a Qualifying Year, we will look at the Eligible Purchases posted to the Eligible WestJet RBC Business Account until the December monthly statement date (that is the date the statement is prepared). This means that some purchases made in December may not count towards the $30,000 in Eligible Purchases for that Qualifying Year. For example, if monthly statements are prepared on the 27th day of each month and a purchase is made on December 28, the transaction will be posted to the January monthly statement and will not count towards the $30,000 in Eligible Purchases for the current
Qualifying Year. Eligible Purchases will reset to zero (0) at the beginning of each Qualifying Year.

First Year Silver Benefit and Subsequent Silver Benefit (i) are solely for the benefit of the Primary Business Cardholder whose Eligible WestJet RBC Business Account is open and in good standing, whether the Primary Business Cardholder is a business owner, a signing authority or a simple employee, (ii) are not transferrable, (iii) do not provide the Primary Business Cardholder with the 4,000 CAD in tier qualifying spend normally required to achieve Silver status, (iv) do not replace nor override any higher WestJet tier status the Primary Business Cardholder may otherwise be enjoying in accordance with the WestJet Rewards Program, and (v) are not available to existing or former WestJet RBC World Elite Mastercard for Business primary business cardholders, applying for or transferring to a WestJet RBC World Elite Mastercard for Business.

WestJet, not Royal Bank of Canada, is solely responsible for the WestJet Rewards Program (“Program”), the terms of the Program (including earning, redemption and administration
of WestJet points), Program changes and providing Silver Benefits to eligible Primary Business Cardholders. For full Program terms and conditions, visit www.westjet.com.

4. All WestJet points earned by all cardholders on a WestJet RBC® World Elite Mastercard for Business‡ account will be awarded to the primary business cardholder only, whether or not the primary business cardholder is a business owner, a signing authority or an employee.

5. WestJet points can be used towards payment of: (1) WestJet-marketed base fares; (2) certain WestJet ancillaries, such as checked baggage, cabin upgrades and pre-reserved seats; (3) all taxes, fees and other ATC (Air Transportation Charges) on WestJet-marketed flights; (4) WestJet Vacations packages, eligible Sunwing Vacations packages or WestJet Vacations Quebec packages; (5) purchases from participating designated partners; and (6) purchases through the WestJet eStore. No retroactive redemption of WestJet points will be permitted. Minimum redemption of 2,500 WestJet points applies when purchasing UltraBasic, Economy, Premium and Business fares; the entire base fare and other Air Transportation Charges (Other ATC) must be paid with WestJet points when purchasing a Member Exclusive fare. A minimum redemption amount of 5,000 WestJet points per booking applies for WestJet Vacations package bookings, Sunwing Vacations package bookings or WestJet Vacations Quebec package bookings. Other restrictions may apply and are subject to change at any time. Full details available at westjet.com/redeem.

6. To participate in this offer, you must have an RBC debit or credit card which is issued by Royal Bank of Canada (excluding RBC commercial credit cards) (“Eligible RBC Card”). When you participate in the Linked Loyalty Offers as a Business RBC Client, you will only be able to link up to two (2) Eligible Business RBC Credit Cards and one (1) RBC Client Card to a Petro-Points Account. You must be enrolled in RBC Online Banking for business in order to link your Eligible RBC Card to your Petro-Points card. Card linking may take up to two (2) business days to process before savings and bonus points can be applied to purchases. Each time you use your linked Eligible RBC Card to purchase any grade of gasoline, including diesel, at a retail Petro-Canada location, you will save three cents ($0.03) per liter at the time of the transaction. For more information, visit rbc.com/linkbusiness.

Each time you use your Linked RBC Card to pay for qualifying purchases at a Petro-Canada Location, you will earn a bonus of twenty percent (20%) more Petro-Points than you
normally earn, in accordance with the Petro-Points terms and conditions available at http://www.petro-points.com/terms.

7. To participate in this offer, you must have an eligible RBC Debit Card, Personal Credit Card or Business Credit Card which is issued by Royal Bank of Canada (excluding RBC commercial credit cards) (“RBC Card”). An “Eligible RBC Credit Card” is any RBC personal credit card, excluding RBC Avion Visa Infinite Business‡, RBC Visa CreditLine for Small Business™, RBC Visa Business, RBC Business Cash Back Mastercard‡ and RBC Avion Visa Business. RBC Business Owners will only be able to link up to two (2) Business Credit Cards and one (1) RBC Debit Card to a Be Well Card. For complete details, including the definition of the capitalized terms used in the disclosures below, please see full Terms and Conditions at rbc.com/rexallterms. You must be enrolled in RBC Online Banking in order to link your RBC Card to your Be Well Card. Card linking may take up to two (2) business days to process before Be Well points can be applied to purchases. Each time you scan your Be Well Card and pay with your Linked RBC Card, you will earn 50 Be Well points for every $1 spent on eligible purchases at Rexall Locations. For full details and defined terms, visit Be Well Terms and Conditions available at letsbewell.ca/terms-conditions. Be Well points are not awarded on taxes, tobacco products, products containing codeine, lottery tickets, alcohol, bottle deposits, gift cards, prepaid cards and wireless or long distance phone cards, event tickets, transit tickets and passes, post office transactions, stamps, passport photos, cash back, gifts with purchases, delivery charges, environmental levies, Home Health Care services/rentals and any other products or services that we may specify from time to time or where prohibited by law.

8. To receive a complimentary DashPass subscription for $0 delivery fees on orders of $15 or more at eligible restaurants when you pay with your WestJet RBC World Elite Mastercard for Business‡, you must subscribe to DashPass by adding your WestJet RBC World Elite Mastercard for Business‡, accept the DoorDash terms and conditions, and activate your benefit by clicking “Activate Free DashPass”. For full program details visit rbc.com/doordashterms. If you are an existing DashPass subscriber and have already added your WestJet RBC World Elite Mastercard for Business‡ to your account, you must activate your benefit by clicking “Activate Free DashPass”. For full program details visit rbc.com/doordashterms. If you have been charged for DashPass, you will receive a refund to the method of original payment, in the amount of the monthly subscription fee for the month you activate your complimentary subscription. For all clients, by clicking on “Activate Free DashPass”, you agree to the DoorDash terms and conditions, which can be found at rbc.com/doordashterms. Eligible RBC Credit cardholders include primary cardholders, co-applicants, authorized users, primary business cardholders and
secondary business cardholders on your WestJet RBC World Elite Mastercard for Business‡ account. The DashPass monthly subscription fee will be waived (“Complimentary DashPass Subscription”) and you will receive a 12 month Complimentary DashPass Subscription. DashPass subscriptions purchased through third parties, including third-party payment accounts, or online or mobile digital wallets (like Apply Pay and Google Pay) are not eligible for the Complimentary DashPass Subscription. Your WestJet RBC World Elite Mastercard for Business‡ may only be used with one DoorDash account to receive a Complimentary DashPass Subscription. Once you have received a Complimentary DashPass Subscription, you cannot use the same WestJet RBC World Elite Mastercard for Business‡ to obtain a Complimentary DashPass Subscription with another DoorDash account. You are only eligible for one 12 month Complimentary DashPass Subscription during the Offer Period. The Complimentary DashPass Subscription commences on the date you subscribe to receive the Complimentary DashPass Subscription. In order to validate your credit card as an Eligible RBC Credit Card, Royal Bank may need to administer a $0.50 charge to validate your card enrollment. This charge will be reversed in 3 to 5 days once your account has been validated. You will be auto-enrolled in the full-price membership at the then-current rate after the end of the 12 month Complimentary DashPass Subscription. Your WestJet RBC World Elite Mastercard for Business‡ account must be open and not in default to maintain the benefits of DashPass. DoorDash not Royal Bank of Canada, is responsible for (i) services and products provided through DoorDash; (ii) DashPass, including the DashPass Benefits, the administration of DashPass; and (iii) the DoorDash terms and conditions. The Complimentary DashPass Subscription offer may be amended or withdrawn at any time. To learn more about DashPass, visit doordash.com/dashpass. For full DashPass for RBC Program Terms and Conditions, visit rbc.com/doordashterms.

9. DashPass is a DoorDash subscription service that offers unlimited deliveries for $0 delivery fee on eligible restaurant purchases (minimum order amount of $15.00 CAD before taxes and fees) at a monthly subscription fee of $9.99 CAD plus tax. To learn more about DashPass visit www.doordash.com/dashpass (opens to external site).

10. Mastercard Travel Pass, provided by DragonPass, is being provided as a benefit to cardholders with eligible and valid WestJet RBC World Elite Mastercard for Business. Each eligible WestJet RBC World Elite Mastercard for Business is entitled to a complimentary membership to DragonPass Airport Lounges Program (as long as they remain a WestJet RBC World Elite Mastercard for Business cardholder). Cardholders must enroll for this benefit through downloading the Mastercard Travel Pass app and register at https://mastercardtravelpass.dragonpass.com/ using their eligible Credit Card. Enrollment for the Program must be completed using the Cardholder’s First and Last Name as set out on their respective Passport (or other government issued ID used for travel within Canada), as it will be required for verification when the Cardholder is attempting to access a participating lounge. All lounge visits, for the Cardholder and their accompanying guests, are subject to a fee of $32 USD (subject to change) per person, per visit. Applicable lounge access charges will be billed to the Eligible Credit Card connected to the Cardholders’ Program membership. Membership includes access to any airport lounge participating in the Program. Once the Cardholder has enrolled in the Program, the Cardholder may use one of three (3) ways to access their lounge benefits: (i) present their valid Eligible Credit Card; (ii) show their digital membership card and QR Code within the Program App or Website; (iii) present their printed or emailed e-Certificate containing the membership card and QR Code. The Program membership will be suspended if the Eligible Credit Card is cancelled or inactive, is no longer linked to the Program membership, or if the Eligible Credit Card is no longer a product participating in the Program. It is the responsibility of the Cardholder to ensure their Eligible Credit Card details are updated within the Program if there are any changes. If the Cardholder is using a printed or emailed e-Certificate as their method of lounge access, they will need to obtain a new e-Certificate if there are any changes to their Eligible Credit Card details. Unless suspended or cancelled, the Program membership will automatically renew annually on the anniversary date (i.e. when the Cardholder enrolled in the Program). The Program membership may be suspended if your Eligible Credit Card is no longer in good standing. To view a full list of participating airport lounges, their facilities, opening times and restrictions, Cardholders can visit the Program App and Website for more information. Enrolled Cardholders are subject to Terms and Conditions for the Global Airport Lounge Access Program and the individual lounge operators’ terms of use for the participating lounges visited, available through the Program App and Website. The Program Terms and Conditions will also be sent to the Cardholder via email once enrollment is complete. In addition to lounge access, enrollment in the Program will also allow cardholders to access additional benefits and offers. To view a full list of benefits and offers available for the Cardholders’ Eligible Credit Card, Cardholders can visit the Program App and Website for more information. Cardholders who participate in or use any of the benefits or offers presented through the Program are subject to the relevant Terms and Conditions for the applicable benefit or offer, as outlined in the Program App and Website. Cardholders who participate in the Program are subject to the DragonPass Terms of Use, Terms of Service and Privacy Policy and Mastercard’s Privacy Notice. By enrolling in the Program and using the benefits and offers presented through the Program, the Cardholder acknowledges that DragonPass may share Cardholders’ Program data with Mastercard and/or Royal Bank of Canada (“RBC”) in order to facilitate the Program, subject to Mastercard and RBC’s own privacy policies. The Program services and benefits are provided by DragonPass and applicable third party offer providers, and neither Mastercard nor RBC is responsible for any claims or damages arising from participation in the Program. Mastercard reserves the right to modify or cancel this Program at any time and without prior notice. For full terms and conditions, visit https://mastercardtravelpass.dragonpass.com/terms-and-conditions

11. Trip Cancellation insurance is subject to a limit of $1,500 for each Covered Person (to an overall maximum of $5,000 for all Covered Persons) per trip, and it protects eligible cardholders against the cost of non-refundable prepaid travel arrangements that were purchased with your WestJet RBC World Elite Mastercard for Business card if the trip is cancelled prior to your departure due to an unexpected or unforeseen covered risk. Trip Interruption insurance is subject to a maximum limit of $5,000 for each Covered Person, per trip, for a total maximum of $25,000. This coverage provides reimbursement for the non-refundable unused portion of your prepaid travel arrangements purchased with your WestJet RBC World Elite Mastercard for Business card and interrupted, due to a covered risk, including the extra costs of economy class transportation to your departure point. Please refer to the Insurance Certificate for complete details regarding these coverages. Coverage underwritten by RBC Insurance Company of Canada.

12. Under 65 years of age, 15 days of coverage. For age 65 and over, 3 days of coverage. Coverage underwritten by RBC Insurance Company of Canada.

13. Coverage underwritten by Aviva General Insurance Company.

14. Coverages are underwritten by RBC Insurance Company of Canada and by Aviva General Insurance Company