Travel with confidence
Enjoy the security of premium travel protection
with your RBC® Avion® Visa Infinite Privilege‡ for
Private Banking card. Rest easy knowing you are
covered with premium travel insurances
including Trip Cancellation, Trip Interruption
and Lost or Stolen Baggage coverage.

RBC® Avion® Visa Infinite Privilege‡
for Private Banking

BILL SYRROS 4646 92** **** 6846
SHELLEY FRASER SYRROS 4646 92** **** 2725
STATEMENT FROM FEB 20 TO MAR 19, 2025

PREVIOUS ACCOUNT BALANCE

1 OF 8

$15,869.08

IMPORTANT INFORMATION

AVION POINTS

BILL SYRROS
4646 92** **** 6846 - PRIMARY

Previous Points balance
Points earned this statement
Points adjusted this statement
New points balance

376,436
33,707
31
410,174

TRANSACTION
DATE

POSTING
DATE

FEB 21

FEB 24

BELL MOBILITY VERDUN QC

$505.96

FEB 21

FEB 21

TESLA TORONTO ON

$16.09

FEB 22

FEB 24

AMAZON.CA*BQ6F68I73 AMAZON.CA ON

$16.51

Customer Service / Lost & Stolen
Collect Outside North America
Rewards Website

FEB 22

FEB 24

TIDAL MALMO

$14.49

PAYMENTS & INTEREST RATES

FEB 24

FEB 24

D J*WSJ 800-568-7625 NJ

$14.91

FEB 25

FEB 26

EX NIHILO - WINE DIREC 250-766-5522 BC

$330.11

FEB 25

FEB 25

AMAZON CHANNELS AMAZON.CA BC

$12.64

FEB 26

FEB 28

LAKE PLACID LAKE PLACID NY

$7.33

ACTIVITY DESCRIPTION
74064495052820144784913
74099865052000017620063
74537885053103646514553
74987505053000034662086
24456755055105342009106
74703415056106896791608
74537885056106098194276

24049555058900011932488
Foreign Currency - USD 5.00 Exchange rate - 1.466000

AMOUNT ($)

MAR 03 BRAVE.COM BRAVE.COM CA

MAR 01

MAR 03 PAYMENT - THANK YOU / PAIEMENT - MERCI

-$8,000.00

MAR 02

MAR 03 PAYMENT - THANK YOU / PAIEMENT - MERCI

-$6,000.00

MAR 03

MAR 04 GOOGLE *TUNEIN G.CO/HELPPAY#NS

$14.21

MAR 04

MAR 05 PLAYLISTAI PLAYLISTAI.APAZ

$5.94

MAR 05

MAR 05 COMPASS VENDING BURNAB BURNABY BC

$8.20

MAR 05

MAR 06 WIFIONBOARD AIR CANADA 877-350-0038 BC

$11.58

MAR 05

MAR 06 MARIO'S COFFEE EXP QFF VANCOUVER BC

$18.87

74510105062619989743106
74510105062619989744104
74537885062102221764350

24000775064500007252546
Foreign Currency - USD 3.99 Exchange rate - 1.488721
74703415064103792993966
74537885064104378212942
74064495064820183346620

RBC ROYAL BANK
CREDIT CARD PAYMENT CENTRE
P.O. BOX 4016, STATION “A”
TORONTO, ONTARIO M5W 2E6

NEW BALANCE

$8,477.00

1-888-769-2585
(416) 974-5944
avionrewards.com

Minimum payment
Payment due date
Credit limit
Available credit
Annual interest rates:
Purchases
Cash advances

$381.00
APR 9, 2025
$25,000.00
$16,523.00
20.99%
21.99%

CALCULATING YOUR BALANCE

FEB 28

24064665059500017071376
Foreign Currency - USD 9.99 Exchange rate - 1.481481

CONTACT US

$14.80

Previous Account Balance
Payments & credits
Purchases & debits
Cash advances
Interest
Fees
Total Account Balance

NEW BALANCE

MINIMUM PAYMENT

$381.00

-$34,638.42
$27,246.34
$0.00
$0.00
$0.00

PAYMENT DUE DATE

APR 9, 2025

$15,869.08

$8,477.00

$8,477.00

AMOUNT PAID

$

RBC® Avion® Visa Infinite Privilege‡
for Private Banking
4646 92** **** 6846 / 4646 92** **** 2725
BILL SYRROS
SHELLEY FRASER SYRROS
25 CHEMIN SUMAC
CHELSEA QC J9B 1V4

Quick, convenient and secure ways to pay your credit card bill:
· RBC Online Banking at www.rbcroyalbank.com/online
· RBC Mobile app – text “RBC” to 722722 to download
Other payment options include:
· RBC Royal Bank ATM
· Telephone Banking 1-800-769-2511
· Visit an RBC Royal Bank branch

RBC® Avion® Visa Infinite Privilege‡
for Private Banking

BILL SYRROS 4646 92** **** 6846
SHELLEY FRASER SYRROS 4646 92** **** 2725
STATEMENT FROM FEB 20 TO MAR 19, 2025

2 OF 8

BILL SYRROS
4646 92** **** 6846 - PRIMARY (continued)
TRANSACTION
DATE

POSTING
DATE

MAR 07

MAR 10 COMPASS ACCOUNT BURNAB BURNABY BC

MAR 07

MAR 10 HYATT REGENCY VANCOUVER VANCOUVER BC

MAR 08

MAR 10 SQ *FLAMINGO CANTINA AUSTIN TX

$14.19

MAR 09

MAR 10 DISNEY PLUS 1 800727-1800CA

$18.39

MAR 09

MAR 11 ELECTRIFY CANADA AJAX ON

$7.00

MAR 12

MAR 12 OPENAI *CHATGPT SUBSCR OPENAI.COM CA

$342.32

MAR 12

MAR 13 TST*THE METEOR CAFE - AU AUSTIN TX

$64.90

MAR 14

MAR 17 TST*THE DEAD RABBIT - AU AUSTIN TX

$84.88

MAR 14

MAR 17 TST*THE DEAD RABBIT - AU AUSTIN TX

$153.40

MAR 15

MAR 17 AD FREE FOR PRIMEVIDEO PRIME VIDEO BC

$3.44

MAR 15

MAR 17 OPENAI *CHATGPT SUBSCR OPENAI.COM CA

$34.07

MAR 16

MAR 18 GOOGLE*GOOGLE ONE G.CO/HELPPAY#NS

$31.03

MAR 18

MAR 18 PAYMENT - THANK YOU / PAIEMENT - MERCI

-$7,000.00

SUBTOTAL OF MONTHLY ACTIVITY

-$18,094.05

ACTIVITY DESCRIPTION
74703415067106756650479
74450775068004028001657

24692165068107318858293
Foreign Currency - USD 9.60 Exchange rate - 1.478125
24803945069920003066638
74500015069656606829039

24492165071500011960522
Foreign Currency - USD 229.95 Exchange rate - 1.488671
24692165072100699329582
Foreign Currency - USD 43.60 Exchange rate - 1.488532
24692165074102803177798
Foreign Currency - USD 57.29 Exchange rate - 1.481584
24692165074102803178267
Foreign Currency - USD 103.54 Exchange rate - 1.481553
74537885074102687396248

24492165074500035132865
Foreign Currency - USD 23.00 Exchange rate - 1.481304
74040735077920006041102
74510105077619982432106

AMOUNT ($)

$6.35
$1,154.34

SHELLEY FRASER SYRROS
4646 92** **** 2725 - CO-APPLICANT
TRANSACTION
DATE

POSTING
DATE

FEB 19

FEB 20

CLINIQUE VETERINAIRE WAKEWAKEFIELD QC

$163.53

FEB 19

FEB 20

PITOU MINOU ET COMPAGNONSCHELSEA QC

$238.97

FEB 19

FEB 20

CAMP FORTUNE RESORT CHELSEA QC

$142.68

FEB 19

FEB 20

LS TRAILHEAD PADDLE SH OTTAWA ON

$40.67

FEB 19

FEB 20

RESTO CAMP FORTUNE CHELSEA QC

$16.28

FEB 19

FEB 20

FRESH AIR EXPERIENCE OTTAWA ON

$598.87

FEB 20

FEB 24

FARM BOY #35 OTTAWA ON

$222.05

FEB 20

FEB 21

UPGRADE EVENTS BIOHACKINGCONWA

$246.80

FEB 20

FEB 21

CANADIAN TIRE #174 OTTAWA ON

$97.13

FEB 20

FEB 21

CANADIAN TIRE #174 OTTAWA ON

$30.98

ACTIVITY DESCRIPTION
74064495050820181279233
74064495050820181940891
74064495050820182311787
74083425050500009872351
74116775050741969147587
74064495051920104442386
74529005051920471457401

24492165052500002024695
Foreign Currency - USD 169.00 Exchange rate - 1.460355
74064495052820107260497
74064495052820107260513

AMOUNT ($)

RBC® Avion® Visa Infinite Privilege‡
for Private Banking

BILL SYRROS 4646 92** **** 6846
SHELLEY FRASER SYRROS 4646 92** **** 2725
STATEMENT FROM FEB 20 TO MAR 19, 2025

3 OF 8

SHELLEY FRASER SYRROS
4646 92** **** 2725 - CO-APPLICANT (continued)
TRANSACTION
DATE

POSTING
DATE

FEB 20

FEB 21

CANADIAN TIRE #174 OTTAWA ON

-$22.58

FEB 21

FEB 24

AIR CAN*
0142115842277AIRCANADA.COMMB

$2,337.13

FEB 22

FEB 24

AMZN MKTP CA*WE48N2893
WWW.AMAZON.CAON

FEB 22

FEB 24

PAYMENT - THANK YOU / PAIEMENT - MERCI

FEB 23

FEB 24

ISTOCK.COM INTERNET

$45.99

FEB 23

FEB 25

GOOGLE*GOOGLE ONE G.CO/HELPPAY#NS

$4.59

FEB 24

FEB 24

AMZN MKTP CA*034ZX1GE3
WWW.AMAZON.CAON

$25.65

FEB 24

FEB 25

TIBURONLOCKERS.COM TIBURONLOCKERNJ

$62.78

FEB 24

FEB 25

NORI'S VILLAGE MARK SARANAC LAKE NY

$196.15

FEB 24

FEB 25

LAKE PLACID WHITEFACE FOOLAKE PLACID NY

$12.61

FEB 26

FEB 26

AMZN MKTP CA*1P9P35EE3
WWW.AMAZON.CAON

$50.79

FEB 26

FEB 27

AMAZON.CA PRIME MEMBER
AMAZON.CA/PRIBC

$11.49

FEB 26

FEB 27

APPLE.COM/BILL 866-712-7753 ON

$14.94

FEB 26

FEB 27

LS MAN AND BEAST 518-5230157 NY

$71.32

FEB 26

FEB 27

LS HIGH PEAKS CYCLERY 186-69321801 NY

$63.41

FEB 26

FEB 27

APPLE.COM/BILL 866-712-7753 ON

$12.64

FEB 26

FEB 27

SQ *ORIGIN COFFEE CO LAKELAKE PLACID NY

$9.39

FEB 26

FEB 27

ENUF CHOCOLATES LAKE PLACID NY

$79.31

FEB 26

FEB 27

THE BOOKSTORE PLUS LAKE PLACID NY

$78.36

FEB 26

FEB 27

NORI'S VILLAGE MARK SARANAC LAKE NY

$180.32

FEB 26

FEB 27

BERKLEE ONLINE 6177472141 MA

$145.32

FEB 27

FEB 28

SHELL C04456 OTTAWA ON

$41.43

FEB 27

FEB 27

PETRO-CANADA 12802 MONTREAL QC

$125.99

ACTIVITY DESCRIPTION
74064495052820107263574

AMOUNT ($)

74537885053103904184479

$24.19

74537885053104232105418
74510105055619980946103
24871155054074918034057
74040735056920000004382

-$6,500.00

74537885055105349171902

24064665056500000216171
Foreign Currency - USD 43.00 Exchange rate - 1.460000

24427335055720224639189
Foreign Currency - USD 134.35 Exchange rate - 1.459992
24769335056730560870335
Foreign Currency - USD 8.64 Exchange rate - 1.459490

74537885057106943496214

74537885057107559673518
74537885057107190172029

24011345057500077860408
Foreign Currency - USD 48.59 Exchange rate - 1.467791
24492165057500024140284
Foreign Currency - USD 43.20 Exchange rate - 1.467824
74537885057107196878520

24692165057107631735049
Foreign Currency - USD 6.40 Exchange rate - 1.467187

24707805057027019313249
Foreign Currency - USD 54.03 Exchange rate - 1.467888
24193045058006668515489
Foreign Currency - USD 53.38 Exchange rate - 1.467965
24427335057720226536605
Foreign Currency - USD 122.85 Exchange rate - 1.467806
24493985057079797267590
Foreign Currency - USD 99.00 Exchange rate - 1.467878
74064495059820111170248
74064495058820127528810

RBC® Avion® Visa Infinite Privilege‡
for Private Banking

BILL SYRROS 4646 92** **** 6846
SHELLEY FRASER SYRROS 4646 92** **** 2725
STATEMENT FROM FEB 20 TO MAR 19, 2025

4 OF 8

SHELLEY FRASER SYRROS
4646 92** **** 2725 - CO-APPLICANT (continued)
TRANSACTION
DATE

POSTING
DATE

ACTIVITY DESCRIPTION

AMOUNT ($)

FEB 28

MAR 03 CPC / SCP 277207 WAKEFIELD QC

$26.88

FEB 28

MAR 03 MAGASIN LES FOUGERES CHELSEA QC

$52.36

FEB 28

MAR 03 FORET ALIMENTS NATUREL WAKEFIELD QC

$170.50

FEB 28

MAR 03 AVIS RENT A CAR ETOBICOKE ON

$1,030.46

FEB 28

MAR 03 FAMILLE CHARLES IGA CHELSEA QC

$80.92

FEB 28

MAR 03 WAKEFIELD MILL WAKEFIELD QC

$91.98

FEB 28

FEB 28

AMZN MKTP CA*B74PW5R73
WWW.AMAZON.CAON

$72.57

MAR 01

MAR 03 SP LOG FURNITURE AND OAKVILLE ON

$6,757.15

MAR 01

MAR 03 BOYD MOVING & STORAGE LTDOTTAWA ON

$186.45

MAR 01

MAR 03 DYMON STORAGE (TRAINYA OTTAWA ON

$359.10

MAR 01

MAR 03 DYMON -DBOX OTTAWA ON

MAR 02

MAR 03 BRAINTAP PROF SUBSCRIP BRAINTAP.COM NC

$74.16

MAR 03

MAR 03 PAYMENT - THANK YOU / PAIEMENT - MERCI

-$6,757.15

MAR 03

MAR 03 GENEVIEVE MUNRO YOGA CHELSEA QC

$69.93

MAR 03

MAR 04 OTTAWA GOODTIME CENTRE 613-7319071 ON

$79.10

MAR 03

MAR 04 OTTAWA GOODTIME CENTRE 613-7319071 ON

$84.75

MAR 04

MAR 05 PITOU MINOU ET COMPAGNONSCHELSEA QC

$244.37

MAR 04

MAR 05 LS BLUEBARN COFFEE ROA WAKEFIELD QC

$7.59

MAR 04

MAR 05 MARSHALLS MEGA 762/114 OTTAWA ON

$237.39

MAR 05

MAR 06 MONDOU - HULL GATINEAU QC

$74.09

MAR 05

MAR 06 SPOTIFY AB STOCKHOLM

$15.51

MAR 05

MAR 06 SPOTIFY AB STOCKHOLM

$15.51

MAR 05

MAR 06 SPOTIFY AB STOCKHOLM

$21.26

MAR 05

MAR 06 SPOTIFY AB STOCKHOLM

$41.28

MAR 05

MAR 06 BOITE A GRAINS GATINEAU QC

$183.02

MAR 05

MAR 07 1:1 SALON CHELSEA QC

$292.95

MAR 06

MAR 10 MELLOW JOHNNY'S, LLC AUSTIN TX

$83.36

MAR 06

MAR 06 INNERSCIENCE RESEARCH INNERSCIENCERWA

$39.69

74064495059820175530949
74703415059109603975487
74500015059380691587129
74522815060004024092102
74529005059920395962207
74514205061004047493686

74537885059108777948045
74083425060500007126469
74064495060820178942650
74500015060656675895589
74500015061624402563648

24011345062500018391649
Foreign Currency - USD 49.99 Exchange rate - 1.483496
74510105062619980334103
74083425062500005134141
74872715062260628435990
74872715062260628436048
74064495063820180438785
74099865063000069904065
74703415064103796853372
74064495064820176810640
74987505064004538171021
74987505064003032815042
74987505064003040410042
74987505064003749737067
74500015064380636612225
74529005064920359457205

24692165066105666426095
Foreign Currency - USD 56.27 Exchange rate - 1.481428
24011345065500032584069
Foreign Currency - USD 26.80 Exchange rate - 1.480970

$1,578.78

RBC® Avion® Visa Infinite Privilege‡
for Private Banking

BILL SYRROS 4646 92** **** 6846
SHELLEY FRASER SYRROS 4646 92** **** 2725
STATEMENT FROM FEB 20 TO MAR 19, 2025

5 OF 8

SHELLEY FRASER SYRROS
4646 92** **** 2725 - CO-APPLICANT (continued)
TRANSACTION
DATE

POSTING
DATE

MAR 06

MAR 07 APPLE.COM/BILL 866-712-7753 ON

$14.94

MAR 06

MAR 07 YOW THELOCKS/MAISON_ OTTAWA ON

$62.13

MAR 06

MAR 07 WHOLEFDS LMR 10145 AUSTIN TX

$235.06

MAR 07

MAR 10 JW MARRIOTT AUSTIN F&B AUSTIN TX

$12.76

MAR 07

MAR 07 UBER *TRIP HELP.UBER.COMCA

$50.40

MAR 08

MAR 10 SXSW, LLC 512-467-7979 TX

$1,865.14

MAR 08

MAR 10 SQ *POP UP GROCER, INC. AUSTIN TX

$86.48

MAR 08

MAR 10 BOOKPEOPLE AUSTIN TX

$95.98

MAR 09

MAR 10 THE PARLOR ROOM AUSTIN TX

$41.90

MAR 09

MAR 10 SP OMY LABORATOIRES QUEBEC QC

$270.16

MAR 09

MAR 10 OURARING OULU

$8.95

MAR 10

MAR 12 BOOKPEOPLE AUSTIN TX

$44.81

MAR 10

MAR 11 SQ *MEDSENSE MASSAGERS ANAUSTIN TX

$241.73

MAR 10

MAR 11 SQ *U BAR NUTS AUSTIN TX

$23.07

MAR 10

MAR 11 7-ELEVEN 22245 AUSTIN TX

$7.98

MAR 10

MAR 11 HAL LEONARD CORPORATION OWINONA MN

$46.64

MAR 12

MAR 12 OPENAI *CHATGPT SUBSCR OPENAI.COM CA

$34.24

MAR 12

MAR 13 CLIPMX*AGREGADOR CIUDAD DE MEX

$47.34

MAR 13

MAR 14 TST* AMY'S ICE CREAMS - SAUSTIN TX

$9.79

MAR 13

MAR 14 AGI*BESTBUY.CA/BILLING 866-237-8289 ON

$19.54

MAR 14

MAR 17 UBER *LIME HELP.UBER.COMCA

$15.07

MAR 14

MAR 17 UBER *LIME HELP.UBER.COMCA

$8.53

ACTIVITY DESCRIPTION
74537885065104740020485
74099865065000014070051

24137465066001666960547
Foreign Currency - USD 158.67 Exchange rate - 1.481439
24692165067106873900491
Foreign Currency - USD 8.66 Exchange rate - 1.473441
24036295066744246854572
Foreign Currency - USD 34.03 Exchange rate - 1.481046
24692165068107154554006
Foreign Currency - USD 1,261.11 Exchange rate - 1.478966
24692165068107281594784
Foreign Currency - USD 58.48 Exchange rate - 1.478796
24801975068267687720829
Foreign Currency - USD 64.90 Exchange rate - 1.478890
24798655068116434006870
Foreign Currency - USD 28.33 Exchange rate - 1.478997
74083425069500001151746
74657365069000134780739
24801975070269688375567
Foreign Currency - USD 30.30 Exchange rate - 1.478877
24692165069108696660714
Foreign Currency - USD 163.45 Exchange rate - 1.478923
24692165069108706822726
Foreign Currency - USD 15.60 Exchange rate - 1.478846
24034545069001996956025
Foreign Currency - USD 5.40 Exchange rate - 1.477777
24013395069002137037928
Foreign Currency - USD 31.49 Exchange rate - 1.481105
24492165071500009029504
Foreign Currency - USD 23.00 Exchange rate - 1.488695
74512985071000689546663

24137465072501026714973
Foreign Currency - USD 6.58 Exchange rate - 1.487841
74537885072101258597269

24036295073714485031845
Foreign Currency - USD 10.18 Exchange rate - 1.480353
24036295073716443882524
Foreign Currency - USD 5.76 Exchange rate - 1.480902

AMOUNT ($)

RBC® Avion® Visa Infinite Privilege‡
for Private Banking

BILL SYRROS 4646 92** **** 6846
SHELLEY FRASER SYRROS 4646 92** **** 2725
STATEMENT FROM FEB 20 TO MAR 19, 2025

6 OF 8

SHELLEY FRASER SYRROS
4646 92** **** 2725 - CO-APPLICANT (continued)
TRANSACTION
DATE

POSTING
DATE

MAR 14

MAR 17 TST*THE DEAD RABBIT - AU AUSTIN TX

$20.46

MAR 14

MAR 17 ALLENS BOOTS - AUSTIN AUSTIN TX

$1,154.60

MAR 15

MAR 17 TST*THE DEAD RABBIT - AU AUSTIN TX

$58.32

MAR 15

MAR 17 TST*ELIZABETH ST. CAFE AUSTIN TX

$238.09

MAR 16

MAR 17 UBER *LIME HELP.UBER.COMCA

$10.90

MAR 16

MAR 17 UBER *LIME HELP.UBER.COMCA

$8.11

MAR 16

MAR 17 TST* MOHAWK AUSTIN TX

$84.24

MAR 16

MAR 17 TST* MOHAWK AUSTIN TX

$21.88

MAR 16

MAR 17 SP PET RODEO 151-26997007 TX

$40.09

MAR 16

MAR 17 PATAGONIA-AUSTIN AUSTIN TX

$319.13

MAR 16

MAR 18 TST*LOUS AUSTIN TX

$27.55

MAR 17

MAR 17 UBER *LIME HELP.UBER.COMCA

$9.05

MAR 17

MAR 19 AUSTIN AIRPORT-RETAIL AUSTIN TX

$83.39

MAR 17

MAR 18 APPLE.COM/BILL 866-712-7753 ON

$4.59

MAR 18

MAR 19 EVENTBRITE/PEDALEZPOUR SAINT JOHN NB

$35.00

MAR 18

MAR 19 RBC GRANFONDO WHISTLER LONDON ON

$501.01

ACTIVITY DESCRIPTION
24692165074102803177889
Foreign Currency - USD 13.82 Exchange rate - 1.480463
24207855074175500386536
Foreign Currency - USD 779.38 Exchange rate - 1.481433
24692165074102803180305
Foreign Currency - USD 39.37 Exchange rate - 1.481330
24692165075100636623987
Foreign Currency - USD 160.72 Exchange rate - 1.481396
24036295075744717048703
Foreign Currency - USD 7.36 Exchange rate - 1.480978
24036295075744718273110
Foreign Currency - USD 5.48 Exchange rate - 1.479927
24137465075100615259859
Foreign Currency - USD 56.87 Exchange rate - 1.481273
24137465075100615259933
Foreign Currency - USD 14.77 Exchange rate - 1.481381
24000775075500019049176
Foreign Currency - USD 27.07 Exchange rate - 1.480975
24204295075001366839072
Foreign Currency - USD 215.42 Exchange rate - 1.481431
24692165076101563081487
Foreign Currency - USD 18.60 Exchange rate - 1.481182
24036295076742836094482
Foreign Currency - USD 6.11 Exchange rate - 1.481178
24431065077169666072296
Foreign Currency - USD 56.29 Exchange rate - 1.481435
74537885076101445031111
74064495077820140433318
74083425077500014259924

SUBTOTAL OF MONTHLY ACTIVITY

AMOUNT ($)

$9,942.19

JACKSON SYRROS
4646 92** **** 0131 - AUTHORIZED USER
MONTHLY CARD LIMIT - $2,500.00
TRANSACTION
DATE

POSTING
DATE

FEB 20

FEB 24

MR250 BAR SALON MONTREAL QC

$10.58

FEB 20

FEB 21

UBER CANADA/UBERTRIP TORONTO ON

$16.57

FEB 20

FEB 21

VIDEOTRON LTEE #150 PPACCMONTREAL QC

$86.23

FEB 22

FEB 24

LE STUDIO ARGENTIQUE MONTREAL QC

$28.72

ACTIVITY DESCRIPTION
74450775052004041150844
74064495051820159835809
74064495052820125090264
74872715053280530939302

AMOUNT ($)

RBC® Avion® Visa Infinite Privilege‡
for Private Banking

BILL SYRROS 4646 92** **** 6846
SHELLEY FRASER SYRROS 4646 92** **** 2725
STATEMENT FROM FEB 20 TO MAR 19, 2025

7 OF 8

JACKSON SYRROS
4646 92** **** 0131 - AUTHORIZED USER (continued)
MONTHLY CARD LIMIT - $2,500.00
TRANSACTION
DATE

POSTING
DATE

FEB 26

FEB 27

ENUF CHOCOLATES LAKE PLACID NY

$36.52

FEB 27

FEB 28

UNIVERSAL MEAT MARKET MONTREAL QC

$12.08

FEB 28

MAR 03 PAYMENT - THANK YOU / PAIEMENT - MERCI

FEB 28

MAR 03 LS BOULANGERIE LE TOLE MONTREAL QC

$6.50

FEB 28

MAR 03 JARDIN VALMONT 7 MONTREAL QC

$22.16

MAR 02

MAR 03 STM LOGE PL D ARMES E101 MONTREAL QC

$60.00

MAR 02

MAR 03 UNIVERSAL MEAT MARKET MONTREAL QC

$18.98

MAR 02

MAR 03 MAXI MONTREAL MONT-ROY MONTREAL QC

$44.63

MAR 03

MAR 04 SP KOTN TORONTO ON

$258.69

MAR 03

MAR 04 BOULANGERIE GUILLAUME MONTREAL QC

$11.82

MAR 03

MAR 04 UNIVERSAL MEAT MARKET MONTREAL QC

$20.85

MAR 04

MAR 05 JARDIN VALMONT 7 MONTREAL QC

$26.75

MAR 04

MAR 05 UNIVERSAL MEAT MARKET MONTREAL QC

$16.26

MAR 05

MAR 06 UNIVERSAL MEAT MARKET MONTREAL QC

$8.28

MAR 05

MAR 06 UNIVERSAL MEAT MARKET MONTREAL QC

$14.45

MAR 06

MAR 10 SP KOTN TORONTO ON

-$258.69

MAR 06

MAR 07 SP KOTN TORONTO ON

$258.69

MAR 06

MAR 07 SP MAGUIRE SHOES INC MONTREAL QC

$32.08

MAR 07

MAR 10 OHANA SUSHI VEGAN MONTREAL QC

$58.18

MAR 09

MAR 10 YIFANG FRUIT THE MONTREAL QC

$28.01

MAR 11

MAR 12 UBER CANADA/UBERONE TORONTO ON

$11.49

MAR 12

MAR 13 ADOBE INC 800-8336687 CA

$14.94

MAR 18

MAR 19 JARDIN VALMONT 7 MONTREAL QC

$15.01

SUBTOTAL OF MONTHLY ACTIVITY

$759.78

ACTIVITY DESCRIPTION
24707805057027019313256
Foreign Currency - USD 24.88 Exchange rate - 1.467845
74500015058380641932608
74510105062619989084105
74099865059000062358034
74500015059380689624959
74064495062820117958435
74500015061380698552049
74500015061882608690884
74083425063500003598734
74500015062461650691758
74500015062380647141679
74500015063380690543457
74500015063380692352378
74500015064380637608941
74500015064380637612232
74083425066500014246270
74083425066500004317891
74083425066500004430058
74116775066427137669536
74514205068004010528560
74064495070820150012017
24793385071001680039037
74500015077380661845059

TOTAL ACCOUNT BALANCE

AMOUNT ($)

-$100.00

$8,477.00

Time to Pay
If you make only the Minimum Payment each month, we estimate it will
take 13 year(s) and 6 month(s) to fully repay the outstanding balance. Our
estimate is based on the Total Account Balance shown on this statement
and your current credit card account terms. This estimate is intended solely

RBC® Avion® Visa Infinite Privilege‡
for Private Banking

BILL SYRROS 4646 92** **** 6846
SHELLEY FRASER SYRROS 4646 92** **** 2725
STATEMENT FROM FEB 20 TO MAR 19, 2025

8 OF 8

to illustrate how making only the Minimum Payment will increase the time
it takes to pay your balance and is not a recommended long term
repayment plan.

Your account is currently set up on an Auto Pay plan
Based on the option you previously selected, the Minimum Payment
amount as shown on this statement will be posted to your account on the
Payment Due Date. If you have made any additional payments prior to the
Auto Pay, we will reduce the Auto Pay amount by those additional
payments posted. Please contact us if you have any questions at
1-888 ROYAL® 8-5.

INTEREST RATE CHART
Description

Rate (%)

Remaining Balance**

Purchases & Fees

20.99

$8,477.00

Expiry Date

** The "Determination of Interest" section on the back of your statement explains how interest is
charged and how you may avoid interest charges on purchases and fees and the "Applying your
payments" section explains how payments are applied to the Remaining Balances shown above.

IMPORTANT INFORMATION ABOUT YOUR RBC ROYAL BANK CREDIT CARD STATEMENT

The following is a summary of certain terms and conditions of your credit card account and details about some of
the information shown on your statement. Please refer to your credit card agreement for complete terms and
conditions for your account. For more tips on reading your statement, go to rbc.com/cardstatement.
New Balance. The Total Account Balance as of your Statement Date minus the total amount of Installments Not Yet
Due as shown on your statement. This is the amount you must pay to avoid interest on your regular purchases and
fees shown on this statement.
Statement Period. Your statement covers activity in your account from the day after your previous statement was
prepared to the last day of this statement period (your Statement Date). If the date we would ordinarily prepare
your statement falls on a date on which we do not process statements (such as weekends) we will prepare it on our
next statement processing date. Your Payment Due Date will be adjusted accordingly.
Total Account Balance. The total amount of your previous account balance, plus all new purchases and debits, cash
advances, interest, and fees shown on your statement, minus the amount of any payments and credits which have
been posted to your account on or before your Statement Date. The Total Account Balance includes the total
amount of Installments Not Yet Due as shown on your statement, and is the same as your New Balance if you do
not have any installment plans.

YOUR RESPONSIBILITIES

Review your statement carefully. If you think there is an error, omission or irregularity, you must contact us no later
than 30 days following your Statement Date at 1-800-769-2512. After 30 days, our records will be considered
correct except for credits improperly applied to your account.
Report lost or stolen cards. If your card is lost or stolen, or if you have your card but suspect that it or your account
number is being used by someone else, log in to RBC Online Banking or the RBC Mobile app and select the “Report
Lost or Stolen Card” option, or call 1-800-769-2512, immediately. This obligation applies to Primary cardholders,
Co-applicant cardholders and Authorized Users.
Making your payment. You may pay the New Balance (or if you have installment plans, the Total Account Balance)
in full or in part at any time. However, you must pay at least the Minimum Payment by the Payment Due Date
shown on the statement each month. If the Payment Due Date falls on a weekend or holiday, we will extend it to
the next business day. Remember to allow sufficient time for payments to reach us by the Payment Due Date.
Payments made by mail or through another financial institution may take several days to reach us and are not
credited to your account until we have processed them. Branch payments will be credited to your account on the
same day if made before the earlier of 6:00 p.m. local time or the branch closing time.
Missed payments. Missing payments (which means not making at least the Minimum Payment by the next
Statement Date) will affect your interest rates as follows:

• If you miss making any Minimum Payment, you will lose the benefit of any introductory or promotional
interest rate offer in which you are participating, and your standard cash advance and purchase interest
rates will apply to any remaining balance(s) which were subject to that offer (subject to any further
increases set out below) as of the first day of the third Statement Period following the missed payment (or
the expiry date if it is earlier).

• Where you have installment plans and you miss making any Minimum Payment (including the one due in
the same Statement Period in which an installment plan is created), all your installment plans will be
cancelled. Any Monthly Principal amount(s) that you missed paying and your Installments Not Yet Due
(“Unpaid Plan Principal”) will be subject to the interest rate applicable to regular purchases set out on this
statement in the “Payments & Interest Rates” section under “Annual interest rates” for “Purchases”,
subject to any further increase as described immediately below. This will also be the case for the Unpaid
Plan Principal if you choose to cancel your installment plan(s). See your Installment Plan Terms and
Conditions for further details.

READING YOUR STATEMENT

Activity Description. Each transaction and amount credited or charged to your account during the Statement Period
is described in this section, including the transaction and posting dates. If the transaction date is not available for
any transaction, its posting date is used as the transaction date. Transactions converted to installment plans are
marked by a ^ symbol in the activity description. Interest is always calculated from the transaction date. If there is
more than one credit card on the account, transactions will be grouped by cardholder name, card number and
relationship to the account. Primary and Co-applicant cardholders (but not Authorized Users) are responsible for all
amounts charged to the account.
Payments & Interest Rates. This section displays the Minimum Payment and its Payment Due Date, your current
credit limit, and available credit as of the Statement Date. Your available credit does not reflect transactions or
payments made but not received by us by the Statement Date. Your current interest rates for cash advances and
purchases are also shown, as well as the expiry date if any of those rates are temporary. Any promotional or
installment plan rates are shown in the Interest Rate Chart.

Interest Rate Chart. This chart sets out the interest rate(s) that apply to the Total Account Balance, any remaining
balances associated with those rates, and expiry dates for any promotional and installment plan rates. Offers that
we may have made to you but which you are not using are not shown as they will not have any associated
balances. If you lose a promotional rate due to a missed payment, the Interest Rate Chart will continue to display
that promotional rate until the loss takes effect. The expiry date for an installment plan rate reflects the due date of
the final installment plan payment for that plan. If you lose an installment plan rate before its expiry date due to a
missed payment, your Interest Rate Chart will be updated in your next statement to reflect this, and any Unpaid
Plan Principal will be moved to your Purchases & Fees category. If an expiry date falls on a date on which we do
not process statements, we will continue to provide you with the benefit of the promotional or installment plan rate
until our next statement processing date.
Installment Plan Summary. If you have any installment plans, this chart sets out the details of such plans.

INTEREST AND OTHER CALCULATIONS

Determination of interest. You have a minimum 21 day interest-free grace period for new purchases. You can avoid
interest on these new purchases by (i) for new purchases (except those converted to installment plans) and fees,
paying your New Balance in full by your Payment Due Date, and (ii) for new purchases converted to installment
plans, paying your Total Account Balance in full by your Payment Due Date. If you do not pay your New Balance in
full by your Payment Due Date, you must pay interest on each new purchase retroactively from the transaction date
until the date we process your payment in full for those purchases. The accrued interest will appear on your next
statement. We continue to charge interest on the unpaid portion of those purchases until you pay the New Balance
in full on or before its Payment Due Date. Interest related to your purchases could appear on the first statement you
receive after we process that payment. This is interest that was not included in the New Balance you paid in full
because it accrued between the date the monthly statement which showed that New Balance was prepared and
the date you made your payment. For installment plans, interest is not included on your first statement after you
install a purchase to allow you to benefit from the interest-free grace period if you pay the Total Account Balance in
full by the Payment Due Date for that statement. If you do not pay this balance in full by the Payment Due Date, the
accrued interest on the installment plan will appear on your next statement. Fees are treated in the same manner
as purchases for the purpose of charging interest. Interest is always charged on cash advances from the day the
cash advance is made until the date we process the payment in full for those cash advances. Balance transfers,
cash-like transactions and bill payments made using your credit card at our branch, an ATM or our digital banking
service are treated as cash advances.
We do not charge interest on interest.
To calculate your interest shown in the Calculating Your Balance section of your statement, where there is only one
applicable interest rate in a Statement Period, we add the amount you owe each day, and divide the total by the
number of days in the Statement Period. This is your average daily balance. Where you have an installment plan,
we use the total principal amount of your installment plan still outstanding (including Installments Not Yet Due) as
the amount that you owe each day to calculate your average daily balance. Where you have more than one
applicable interest rate in a Statement Period, we determine your average daily balance for each rate. We then
multiply the average daily balance for each rate by the applicable daily interest rate (obtained by taking the annual
interest rate and dividing it by the number of days in the year). We then multiply this value by the total number of
days in the Statement Period to determine the interest we charge you.
Applying your payments. We apply payments to your Minimum Payment first, then to the remainder of your New
Balance. If the different amounts that make up your New Balance are subject to different interest rates, we will
allocate any payment in excess of your Minimum Payment in the same proportion as each amount bears to your
New Balance. If you have paid more than your New Balance, we will apply any excess payment to amounts that
have not yet appeared on your monthly statement in the same manner as set out above, and then to Installments
Not Yet Due.
Foreign currency conversion. The exchange rate shown on your statement, to six decimal places, is calculated by
dividing the converted Canadian dollar (CAD) amount, rounded to the nearest cent, by the transaction currency
amount. It may differ from the original benchmark rate because of this rounding. The CAD amount charged to your
account is 2.5% over the benchmark rate. Some foreign currency transactions are converted directly to CAD, while
others may be converted first to U.S. dollars (USD), then to CAD. In either case, the benchmark rate will be the
actual exchange rate applied at the time of the conversion, and is generally set daily. The original benchmark rate
at the time a transaction was converted may be obtained at visa.com/exchange, if set by Visa, or
mastercard.ca/currency-converter, if set by Mastercard. You can also call us at 1-800-769-2512. For U.S. Dollar Visa
Gold Cardholders, transactions are shown in USD and the same principles will apply if an amount is charged in a
currency other than USD.
Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of
Canada. ‡ All other trademarks are the property of their respective owner(s).
®/™