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 APR 22 TO MAY 20, 2025 PREVIOUS ACCOUNT BALANCE 1 OF 5 $18,765.83 AVION POINTS BILL SYRROS 4646 92** **** 6846 - PRIMARY TRANSACTION POSTING DATE DATE ACTIVITY DESCRIPTION AMOUNT ($) APR 23 APR 24 KINDLE SVCS WWW.AMAZON.CAON $1.14 APR 23 APR 23 TIDAL MALMO $14.49 APR 24 APR 24 D J*WSJ 800-568-7625 NJ $14.91 APR 24 APR 25 BELL MOBILITY VERDUN QC $475.89 APR 25 APR 25 AMAZON CHANNELS AMAZON.CA BC $12.64 APR 30 MAY 01 BRAVE.COM BRAVE.COM CA MAY 01 MAY 01 PAYMENT - THANK YOU / PAIEMENT - MERCI -$5,000.00 MAY 02 MAY 02 PAYMENT - THANK YOU / PAIEMENT - MERCI -$10,000.00 MAY 03 MAY 05 GOOGLE *TUNEIN G.CO/HELPPAY#NS $14.21 MAY 03 MAY 05 SP DU/ER VANCOUVER BC $545.79 MAY 04 MAY 05 PLAYLISTAI PLAYLISTAI.APAZ $5.66 MAY 08 MAY 12 UBER CANADA/UBERTRIP TORONTO ON $18.17 MAY 09 MAY 12 OMNI HOTELS TORONTO ON $15.56 MAY 09 MAY 12 ELECTRIFY CANADA AJAX ON $7.00 MAY 09 MAY 09 DISNEY PLUS BURBANK CA $18.39 MAY 12 MAY 12 OPENAI *CHATGPT SUBSCR OPENAI.COM CA $328.85 74537885113104304697357 74987505113000801699087 24456755114104904280956 74064495114820137264317 74537885115105657458782 24064665120100018787933 Foreign Currency - USD 9.99 Exchange rate - 1.421421 74510105121619989417106 74510105122619980092105 74537885123100339140767 74083425124100003224188 24000775125100006336338 Foreign Currency - USD 3.99 Exchange rate - 1.418546 74064495129820170349457 74872715130171306125316 74500015130656677413270 24793385129000002371062 24492165132100011301053 Foreign Currency - USD 229.95 Exchange rate - 1.430093 RBC ROYAL BANK CREDIT CARD PAYMENT CENTRE P.O. BOX 4016, STATION “A” TORONTO, ONTARIO M5W 2E6 NEW BALANCE $9,486.37 IMPORTANT INFORMATION $14.20 Previous Points balance Points earned this statement New points balance CONTACT US Customer Service / Lost & Stolen Collect Outside North America Rewards Website 1-888-769-2585 (416) 974-5944 avionrewards.com PAYMENTS & INTEREST RATES Minimum payment Payment due date Credit limit Available credit Annual interest rates: Purchases Cash advances $426.00 JUN 10, 2025 $25,000.00 $15,513.63 20.99% 21.99% CALCULATING YOUR BALANCE Previous Account Balance Payments & credits Purchases & debits Cash advances Interest Fees Total Account Balance -$19,257.84 $9,978.38 $0.00 $0.00 $0.00 NEW BALANCE MINIMUM PAYMENT $426.00 440,728 12,464 453,192 PAYMENT DUE DATE JUN 10, 2025 $18,765.83 $9,486.37 $9,486.37 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 APR 22 TO MAY 20, 2025 2 OF 5 BILL SYRROS 4646 92** **** 6846 - PRIMARY (continued) TRANSACTION POSTING DATE DATE ACTIVITY DESCRIPTION AMOUNT ($) MAY 14 MAY 20 PAYPAL *OURARING 35314369001 $103.47 MAY 15 MAY 20 PAYPAL *TIDAL 4029357733 NY $19.99 MAY 15 MAY 20 THE FORT GARRY HOTEL WINNIPEG MB $565.48 MAY 15 MAY 16 OPENAI *CHATGPT SUBSCR OPENAI.COM CA $32.97 MAY 15 MAY 16 AD FREE FOR PRIMEVIDEO PRIME VIDEO BC $3.44 MAY 16 MAY 20 PAYPAL *P36D930401 35314369001 $24.13 MAY 16 MAY 20 PAYPAL *TUNEMYMUSIC 4029357733 $35.02 MAY 16 MAY 16 PAYMENT - THANK YOU / PAIEMENT - MERCI MAY 17 MAY 20 GOOGLE *GOOGLE ONE G.CO/HELPPAY#NS 74198815136519175767098 24036035136519444855670 74500015136538699546804 24492165135100036383299 Foreign Currency - USD 23.00 Exchange rate - 1.433478 74537885135101346093243 74998765138519204634712 74198815138519229735982 74510105136619988895107 74537885137103317367802 SUBTOTAL OF MONTHLY ACTIVITY -$4,000.00 $31.03 -$16,697.57 SHELLEY FRASER SYRROS 4646 92** **** 2725 - CO-APPLICANT TRANSACTION POSTING DATE DATE ACTIVITY DESCRIPTION AMOUNT ($) APR 23 APR 24 ISTOCK.COM INTERNET $45.99 APR 23 APR 25 GOOGLE*GOOGLE ONE G.CO/HELPPAY#NS $4.59 APR 23 APR 24 OTTAWA INTERNATIONAL AIRPOTTAWA ON $15.00 APR 23 APR 24 YOW TIM HORTONS PRE SECUROTTAWA ON $9.38 APR 24 APR 28 MAIFENG9X7U 15889749072 $6.99 APR 24 APR 25 SAGE FISH MARKET OTTAWA ON $67.90 APR 24 APR 25 SQ *U-ROCK CAFE OTTAWA ON $9.63 APR 25 APR 28 FUNDING INNOVATION ART AU905-639-6333 ON $465.59 APR 26 APR 28 APPLE.COM/BILL 866-712-7753 ON $14.94 APR 26 APR 28 APPLE.COM/BILL 866-712-7753 ON $12.64 APR 26 APR 28 AMAZON.CA PRIME MEMBER AMAZON.CA/PRIBC $11.49 APR 27 APR 28 SQ *MR POKE VANIER ON $101.67 APR 28 APR 29 GASCON SERVICES SEPTIQ 819-827-2772 QC $574.88 APR 28 APR 29 WF/CA4387152145 VANCOUVER BC $567.95 APR 29 MAY 01 FARM BOY #35 OTTAWA ON $241.77 MAY 01 MAY 05 DYMON -COV OTTAWA ON $359.10 24871155113087507619988 74040735115920008038605 74064495114820113648673 74064495114820114169281 74284505117516561347985 74064375114004007211443 74293475114000504277508 74514205115004012071265 74537885116106877341989 74537885116106881707290 74537885116107216099684 74293475117000550125251 74703415118109212562147 74064495118820140208620 74529005119920475019900 74500015122624414948479 RBC® Avion® Visa Infinite Privilege‡ for Private Banking BILL SYRROS 4646 92** **** 6846 SHELLEY FRASER SYRROS 4646 92** **** 2725 STATEMENT FROM APR 22 TO MAY 20, 2025 3 OF 5 SHELLEY FRASER SYRROS 4646 92** **** 2725 - CO-APPLICANT (continued) TRANSACTION POSTING DATE DATE ACTIVITY DESCRIPTION AMOUNT ($) MAY 01 MAY 05 MAIFENG9X7U 15889749072 $6.99 MAY 01 MAY 02 GOOGLE*GSUITE SEIWIND. CC GOOGLE.COMCA $25.91 MAY 01 MAY 02 DYMON STORAGE (BARRHAV NEPEAN ON $969.54 MAY 02 MAY 05 BRAINTAP PROF SUBSCRIP BRAINTAP.COM NC $71.05 MAY 02 MAY 02 GENEVIEVE MUNRO YOGA CHELSEA QC $69.93 MAY 03 MAY 05 OTTAWA GOODTIME CENTRE 613-7319071 ON $84.75 MAY 03 MAY 05 OTTAWA GOODTIME CENTRE 613-7319071 ON $79.10 MAY 05 MAY 06 INNERSCIENCE RESEARCH INNERSCIENCERWA $37.98 MAY 06 MAY 07 APPLE.COM/BILL 866-712-7753 ON $14.94 MAY 07 MAY 08 CPC / SCP 270903 CHELSEA QC $21.83 MAY 07 MAY 08 PITOU MINOU ET COMPAGNONSCHELSEA QC $511.07 MAY 07 MAY 08 CHELSEA SMOKEHOUSE CHELSEA QC $63.05 MAY 07 MAY 08 MARCHE CHELSEA 21315 CHELSEA QC $45.60 MAY 07 MAY 08 SQ *BRONSON MUSIC THEATREOTTAWA ON $10.62 MAY 08 MAY 12 MAIFENG9X7U 15889749072 $6.99 MAY 08 MAY 08 SQ *TANNIS ROOT MERCH OTTAWA ON $100.00 MAY 08 MAY 09 BELL CANADA (OB) MONTREAL QC $113.83 MAY 08 MAY 09 MUNICIPALITY OF CHELSEA CHELSEA QC $85.00 MAY 08 MAY 09 CTR JARDIN CLOUTIER BO CHELSEA QC $532.75 MAY 08 MAY 09 MARCHE CHELSEA 21315 CHELSEA QC $69.76 MAY 09 MAY 12 OURARING OULU $8.95 MAY 09 MAY 12 SQ *MR POKE VANIER ON $61.47 MAY 12 MAY 12 OPENAI *CHATGPT SUBSCR OPENAI.COM CA $32.89 MAY 12 MAY 13 BELL CANADA (OB) MONTREAL QC $151.77 MAY 13 MAY 14 AGI*BESTBUY.CA/PRO 866-237-8289 ON $19.54 MAY 14 MAY 16 IGA FAMILLE PLAMONDON GATINEAU QC $177.44 MAY 14 MAY 16 PHARMAPRIX #1909 GATINEAU QC $71.27 MAY 14 MAY 15 CANADIAN TIRE STORE #176 HULL QUEBEC QC $166.60 74284505124517780875906 24803945122920006307273 74500015121656692794176 24011345123100049724236 Foreign Currency - USD 49.99 Exchange rate - 1.421284 74083425122100005113308 74872715123291234959641 74872715123291234959674 24011345126100028189606 Foreign Currency - USD 26.80 Exchange rate - 1.417164 74537885126103253158705 74064495127820179504161 74064495127820183896553 74064495127820184004157 74500015127380681058154 74293475127000659614021 74284505129518966571785 74293475128000659788899 74064495128820136537477 74064495128820179880719 74500015128380628196595 74500015128380629680886 74143615130000147320197 74293475129000679284449 24492165132100008501665 Foreign Currency - USD 23.00 Exchange rate - 1.430000 74064495132820136299932 74537885133100015883373 74529005134920410277002 74500015135882633079428 74064495135820106866154 RBC® Avion® Visa Infinite Privilege‡ for Private Banking BILL SYRROS 4646 92** **** 6846 SHELLEY FRASER SYRROS 4646 92** **** 2725 STATEMENT FROM APR 22 TO MAY 20, 2025 4 OF 5 SHELLEY FRASER SYRROS 4646 92** **** 2725 - CO-APPLICANT (continued) TRANSACTION POSTING DATE DATE ACTIVITY DESCRIPTION AMOUNT ($) MAY 15 MAY 20 OTTAWA GOODTIME CENTRE NEPEAN ON -$7.84 MAY 15 MAY 20 MAIFENG9X7U 15889749072 $6.99 MAY 15 MAY 16 CLINIQUE VETERINAIRE WAKEWAKEFIELD QC $74.89 MAY 15 MAY 16 CHELSEA SMOKEHOUSE CHELSEA QC $28.95 MAY 15 MAY 16 LS MOTEL CHELSEA AND O CHELSEA QC $147.18 MAY 17 MAY 20 RITCHIE FEED & SEED INC GLOUCESTER ON $637.04 MAY 17 MAY 20 CHELSEA CHAWARMA ET PIZZACHELSEA QC $37.89 MAY 17 MAY 20 APPLE.COM/BILL 866-712-7753 ON $4.59 MAY 17 MAY 20 THE 27 CLUB OTTAWA ON $19.50 MAY 19 MAY 20 CANADIAN TIRE #174 OTTAWA ON $45.18 74456725136510000901786 74423425136519507364940 74064495135820188989189 74064495135820190019389 74099865135000245417085 74064495137820136388086 74064495137820183684932 74537885137103080031296 74064495138820116299922 74064495140820104597994 SUBTOTAL OF MONTHLY ACTIVITY $7,114.50 JACKSON SYRROS 4646 92** **** 0131 - AUTHORIZED USER MONTHLY CARD LIMIT - $2,500.00 TRANSACTION POSTING DATE DATE ACTIVITY DESCRIPTION AMOUNT ($) APR 22 APR 23 NAUTILUS PLUS - SS SAINT-HUBERT QC $27.31 APR 29 APR 30 VIA RAIL/VKFFDR MONTREAL QC $138.49 APR 30 MAY 01 UBER CANADA/UBERTRIP TORONTO ON $19.31 MAY 03 MAY 05 AMZN MKTP CA*NB3PS5L01 WWW.AMAZON.CAON $57.48 MAY 03 MAY 05 AMZN MKTP CA*NB1982FJ0 WWW.AMAZON.CAON $49.43 MAY 06 MAY 07 NAUTILUS PLUS - SS SAINT-HUBERT QC $27.31 MAY 08 MAY 09 AMZN MKTP CA*NI5QK6LL0 WWW.AMAZON.CAON $137.96 MAY 08 MAY 09 ALCHIMISTE EN HERBE MONTREAL QC $16.99 MAY 08 MAY 09 JEAN COUTU 061 MONTREAL QC $7.68 MAY 10 MAY 12 UBER CANADA/UBERTRIP TORONTO ON $20.86 MAY 11 MAY 12 UBER CANADA/UBERONE TORONTO ON $11.49 MAY 11 MAY 12 PAYMENT - THANK YOU / PAIEMENT - MERCI MAY 12 MAY 13 ADOBE INC 800-8336687 CA $22.98 MAY 15 MAY 15 UBER* TRIP UBER.COM/CA/EON $16.32 74064495112820138062852 74064495119820155425381 74064495120820148767862 74537885123100007293369 74537885123100008176555 74064495126820153258199 74537885128105535063148 74703415128105542075436 74500015128838409627328 74064495130820158256325 74064495131820149843396 74510105132619988257104 24793385132002101373051 74083425135100005133541 SUBTOTAL OF MONTHLY ACTIVITY -$250.00 $303.61 RBC® Avion® Visa Infinite Privilege‡ for Private Banking BILL SYRROS 4646 92** **** 6846 SHELLEY FRASER SYRROS 4646 92** **** 2725 STATEMENT FROM APR 22 TO MAY 20, 2025 5 OF 5 TOTAL ACCOUNT BALANCE $9,486.37 Time to Pay If you make only the Minimum Payment each month, we estimate it will take 13 year(s) and 10 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 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 $9,486.37 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). ®/™