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* We will pay the basic title insurance fee (not including migration fee), appraisals/property valuation fee and one discharge/switch out fee at another fi nancial institution (up to $300 maximum). Offer excludes mortgage prepayment charges that you may have to pay. Minimum advance $50,000. ? Savings based on $100,000 secured line of credit with interest being paid over 10 years comparing a 3.5% annual interest rate to a 4.0% annual interest rate. The interest rate will fl uctuate with the Prime rate and is subject to change at any time without notice. Rate is effective as of September 20, 2011. Personal lending products and residential mortgages are provided by Royal Bank of Canada and are subject to its standard lending criteria. ® / T Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada. 39106 (09/2011)Get instant results with our Rate Loss Program.Switch to an RBC Homeline Plan® credit lineand pay only prime + ½% vs. prime + 1% at your bank.TMIntroducing the RBC Rate Loss Program: a fast and easy way to go from paying 4% (prime + 1%) at your bank to 3.5% (prime + ½%)by switching to an RBC Homeline Plan® credit line. You could save as much as $5,000 in interest payments? and worry less, sleep more and feel better. And we'll even cover your switching costs*. So get with the program - and lose the rate you've been carrying today. Join the thousands who have lost rate and saved thousands of dollars.

82"I am the greatestcollector of Picassos in the world."- Pablo PicassoPablo Picasso (Spanish, 1881-1973). Portrait of Dora Maar (Portrait of DoraMaar), 1937. Oil on canvas. 92 x 65 cm. Musée National Picasso, Paris. PabloPicasso gift-in-lieu, 1979, MP158. © Picasso Estate / SODRAC (2012)