‡ These are the highlights of the CruisePlus Rewards program as it pertains to this credit card. Complete terms and conditions describing eligibility of the program, CruisePlus Points accrual, redemption of CruisePlus Points, and other important conditions, limitations, and restrictions will be sent with your card. Some restrictions apply. Please read the terms and conditions carefully upon receipt.

†† Cardholders of the CruisePlus Rewards MasterCard^® Credit Card will be entitled to receive 7 bonus CruisePlus Points for every net retail $1 spent on cruise fares purchased through CruisePlus. Bonus CruisePlus Points have no cash value and will be awarded at the sole discretion of CruisePlus. Please allow 4-6 weeks from the applicable transaction date for the bonus CruisePlus Points to be posted to your CruisePlus Points account. The foregoing promotion is offered exclusively by, and at the sole discretion of CruisePlus and maybe amended or cancelled at any time without further notice

*This future cruise credit can be used on any 7 day or longer sailings on the following cruise lines: Holland America, Princess, Celebrity, Carnival, Royal Caribbean, NCL, Costa, MSC, Disney, Crystal, Oceania, Regent, Cunard, Paul Gauguin, Silversea, Seabourn, Windstar, Azamara Club, SeaDream, Star Clippers, Avalon Waterways, Scenic, Uniworld, Viking River, AMA and select others. To activate your card, you must use it within 60 days of you receiving it for any purchase. In order to receive your future cruise credit, you must notify us as soon as you have activated your card, as we do not receive this information (due to privacy issues) from MBNA (the bank).

**Valid for new bookings only, for the cruise lines listed above and for sailing departures that depart within 12 months from booking. Voyage and World sailings are not applicable. Should you cancel your reservation, you would lose your future cruise credit as a penalty. The deposit program cannot be combined with the “7 points per dollar” and “bonus point” benefits, but can be combined with Platinum CruisePlus Rewards booking incentives. Sailings that are booked within the cruise lines penalty period are not applicable and regular deposits or final payments are required. Special CruisePlus exclusive packages may have different final payment and deposit terms than cruise only bookings.

***Platinum is our highest loyalty reward level and benefits. You cannot combine this should you choose to take the “7 points per dollar” option.

****Valid for new insurance policies only and based on travel insurance options offered by RBC as of November 15, 2010 and subject to change.