Electronic records are equivalent to paper records: our records relating to accounts or services are final and consistent (including electronic data and records, as well as those of third parties or third parties). These recordings are permitted in all legal, administrative or other proceedings and constitute consistent evidence of the content of these recordings, as if they were original paper records. They waive any right to object to the introduction of such electronic data or records in exhibits. Access to Alerts: There are four ways to access alerts: (1) in your alert center, (2) in your inbox in apps, (3) via push notifications, and (4) via email or SMS. You can change your alert settings in the Alert Center in online banking. For more information about what we collect from you, the information we use and disclose when you visit RBC Company`s public and secure websites, RBC Company ads hosted on third-party websites, services or services accessible through online banking or through our applications, see our data protection for digital channels. Login information for RBC Account Providers and Non-RBC Account Providers: To access the aggregated accounts of RBC Account Providers and Non-RBC Account Providers, you must enter your login information for each aggregated account. This information can be encrypted and stored and used to retrieve the aggregation information presented to you. You must update your login information as soon as it changes for the aggregation service to work. We can change the accounts we offer you via the aggregation service (accounts available) at any time.

CIBC`s agreement, last updated in 2016, raised concerns about language clarity. `document(s)` means an electronic version or representation of invoices, invoices and other records, communications, declarations, confirmations or documents or information aggregated on the above. We select the documents that can be submitted via the Presentment Service Document. You request that documents on the Presentment Service Document be presented to you. Documents can also be called “e-invoices”. Your responsibilities to account providers: you confirm that you have the right to give us the permission and instructions described above. In particular, you confirm that your use of the Aggregation Services is not contrary to the terms imposed by the account providers. Non-RBC account providers may not have agreed to access their accounts as aggregated accounts and may not be aware of them. You are solely responsible for verifying the agreements you have with non-RBC account providers to determine whether you may disclose the information we need to provide you with aggregation services, what the consequences of such disclosure are, and what your responsibility is for such disclosure. Use/Login: If necessary, you will access the services with your login details…