AMENDMENT TO SECOND AMENDED AND RESTATED EXPENSE LIMITATION AGREEMENT

AMENDMENT TO

SECOND AMENDED AND RESTATED EXPENSE LIMITATION AGREEMENT

This Amendment to Second Amended and Restated Expense Limitation Agreement (the “Amendment”) is made and entered into as of October 1, 2025 between RBC Funds Trust, a Delaware statutory trust (the “Trust”), on behalf of each of its series listed on Schedule A hereto (each, a “Fund” and collectively, the “Funds”), and RBC Global Asset Management (U.S.) Inc., a Minnesota corporation (“RBC GAM US”).

WHEREAS, the Trust and RBC GAM US previously entered into that certain Second Amended and Restated Expense Limitation Agreement, dated as of October 1, 2019 (as further amended, restated, modified or supplemented from time to time, the “Agreement”); and

WHEREAS, the Trust and RBC GAM US wish to amend the Agreement to reflect a modification to the expense limitation arrangement in connection with the addition of (a) Class R6 shares of RBC BlueBay High Yield Bond Fund, and (b) Class A shares of RBC BlueBay U.S. Government Money Market Fund which was previously covered under a separate expense limitation arrangement with RBC Capital Markets, LLC.

NOW THEREFORE, in consideration of the mutual premises and covenants herein set forth, the parties agree as follows:

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IN WITNESS WHEREOF, the parties hereto have caused this Amendment to be executed and delivered by their respective authorized officers or representatives as of the date first above written.

Schedule A

* Note that after the initial term, this Agreement shall continue in effect from year to year thereafter for each Fund, unless and until revised or terminated, all as described in Section 3 of the Agreement.