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 MAY 21 TO JUN 19, 2025

PREVIOUS ACCOUNT BALANCE

1 OF 7

$9,486.37

AVION POINTS

BILL SYRROS
4646 92** **** 6846 - PRIMARY
TRANSACTION POSTING
DATE
DATE

IMPORTANT INFORMATION

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

453,192
29,021
66
482,279

ACTIVITY DESCRIPTION

AMOUNT ($)

MAY 21

MAY 22 MCGRAW HILL 800-338-3987 ON

$102.33

MAY 21

MAY 23 FS *EX NIHILO VINEYARDS LAKE COUNTRY BC

$302.22

MAY 21

MAY 21 TESLA TORONTO ON

$16.09

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

MAY 23

MAY 26 BELL MOBILITY VERDUN QC

$446.58

PAYMENTS & INTEREST RATES

MAY 23

MAY 23 TIDAL MALMO

$14.49

MAY 24

MAY 26 D J*WSJ 800-568-7625 NJ

$14.91

MAY 24

MAY 26 PAYPAL *BANDCAMP 4152132160 CA

$20.63

MAY 24

MAY 26 PAYPAL *BANDCAMP 4152132160 CA

$13.17

MAY 25

MAY 26 AMAZON CHANNELS AMAZON.CA BC

$12.64

MAY 25

MAY 27 PAYPAL *BANDCAMP 4152132160 CA

$16.61

MAY 25

MAY 27 PAYPAL *BANDCAMP 4152132160 CA

$18.01

MAY 26

MAY 27 CITY OF OTTAWA PARKING OTTAWA ON

$1.75

MAY 26

MAY 27 CITY OF OTTAWA PARKING OTTAWA ON

$3.00

MAY 27

MAY 28 TESLA TORONTO ON

$13.76

MAY 28

MAY 30 ELEMENT VAUGHAN SOUTHW VAUGHAN ON

$327.88

MAY 28

MAY 28 TESLA TORONTO ON

$26.28

MAY 30

JUN 02

$110.00

74064495141820141730847

24038705142510000862265

74099865141000600283066

74064495143820138938922

74987505143000801084086
24456755144109457409682

24036035145520462397545

24036035145520462397412

74537885145100002369788

24198805146520453754760

24198805146520453757086

74064495146820134964101

74064495146820134969878

74099865147000001327086

74703415149103891151978

74099865148000400188088

IMPARK00090129A TORONTO ON
74703415151105562970938

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

NEW BALANCE

$7,113.25

CONTACT US

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

$320.00
JUL 10, 2025
$25,000.00
$17,886.75
20.99%
21.99%

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

-$26,018.96
$23,645.84
$0.00
$0.00
$0.00

NEW BALANCE

MINIMUM PAYMENT

$320.00

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

PAYMENT DUE DATE

JUL 10, 2025

$9,486.37

$7,113.25

$7,113.25

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 MAY 21 TO JUN 19, 2025

2 OF 7

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

ACTIVITY DESCRIPTION

AMOUNT ($)

MAY 30

JUN 02

BRAVE.COM BRAVE.COM CA

MAY 30

JUN 02

HYATT REGENCY TORONTO ON TORONTO ON

MAY 31

JUN 02

TESLA TORONTO ON

$14.90

MAY 31

JUN 02

MID-EAST FOOD CENTRE OTTAWA ON

$28.82

JUN 02

JUN 02

PRIMEVIDEO.C*N66C29Z31
WWW.AMAZON.CABC

$5.74

JUN 02

JUN 02

PRIMEVIDEO.C*NN11L2YW0
WWW.AMAZON.CABC

$8.04

JUN 02

JUN 04

DAIRY QUEEN GATINEAU QC

$31.20

JUN 03

JUN 04

GOOGLE*TUNEIN G.CO/HELPPAY#NS

$14.21

JUN 03

JUN 04

MAD RADISH SLATER OTTAWA ON

$18.46

JUN 04

JUN 05

PLAYLISTAI PLAYLISTAI.APAZ

$5.61

JUN 05

JUN 06

GOOGLE*STRAVA RUN BIK G.CO/HELPPAY#NS

JUN 06

JUN 09

PAYPAL *PAYBYPHONET 4029357733 ON

$8.30

JUN 07

JUN 09

PAYPAL *RETRPELOTON 07595838482

$114.00

JUN 07

JUN 09 PAYMENT - THANK YOU / PAIEMENT - MERCI

JUN 08

JUN 09

PAYPAL *SPOTIFY*P378160 35314369001

$24.13

JUN 09

JUN 09

DISNEY PLUS BURBANK CA

$18.39

JUN 09

JUN 11

ELECTRIFY CANADA AJAX ON

$7.00

JUN 12

JUN 12

OPENAI *CHATGPT SUBSCR OPENAI.COM CA

$322.74

JUN 12

JUN 13

TESLA TORONTO ON

$11.71

JUN 12

JUN 12 PAYMENT - THANK YOU / PAIEMENT - MERCI

JUN 13

JUN 16

PAYPAL *PAYBYPHONET 4029357733 ON

$4.30

JUN 14

JUN 16

PAYPAL *TIDAL 4029357733 NY

$10.99

JUN 14

JUN 16 PAYMENT - THANK YOU / PAIEMENT - MERCI

JUN 15

JUN 16

AD FREE FOR PRIMEVIDEO PRIME VIDEO BC

$3.44

JUN 15

JUN 16

OPENAI *CHATGPT SUBSCR OPENAI.COM CA

$32.19

JUN 16

JUN 16

PRIMEVIDEO.C*NA20L5VK1
WWW.AMAZON.CABC

$7.63

JUN 16

JUN 18

PAYPAL *PAYBYPHONET 4029357733 ON

$2.30

24064665151100004694285
Foreign Currency - USD 9.99 Exchange rate - 1.420420
74450775151004028065023

74099865151000500108089

74529005151920478431507

$14.19
$1,623.06

74537885153107206625740

74537885153107209722924

74514205154004043899439

74040735155920004000238

74064495154820181155800

24000775156100007343400
Foreign Currency - USD 3.99 Exchange rate - 1.406015
74040735157920001021243

74897265159522695509804

74998765159522834543836

74510105160619984063105
74998765159522839633640

24793385160000602627061

74500015161656698123728

24492165163100012861859
Foreign Currency - USD 229.95 Exchange rate - 1.403522
74099865163000801083086

74510105163619984354105
74897265166523063528286

24036035166523507468044

74510105167619980040100
74537885166109384332045

24492165166100031716834
Foreign Currency - USD 23.00 Exchange rate - 1.399565

$114.96

-$10,000.00

-$5,000.00

-$10,000.00

74537885167109983793307

74897265168523221761975

RBC® Avion® Visa Infinite Privilege‡
for Private Banking

BILL SYRROS 4646 92** **** 6846
SHELLEY FRASER SYRROS 4646 92** **** 2725
STATEMENT FROM MAY 21 TO JUN 19, 2025

3 OF 7

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

ACTIVITY DESCRIPTION

AMOUNT ($)

JUN 17

JUN 18

GOOGLE *GOOGLE ONE G.CO/HELPPAY#NS

$31.03

JUN 18

JUN 19

AMAZON.CA*NA6IT5R21 AMAZON.CA ON

$18.34

74537885168101465139793

74537885169102051051797

SUBTOTAL OF MONTHLY ACTIVITY

-$21,043.97

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

ACTIVITY DESCRIPTION

AMOUNT ($)

MAY 19

MAY 22 PAYPAL *OUTDOORSYIN 4029357733 TX

$1,000.00

MAY 21

MAY 22 DYMON STORAGE-WALKLEY OTTAWA ON

$49.17

MAY 21

MAY 23 FARM BOY #35 OTTAWA ON

$528.97

MAY 21

MAY 22 KETTLEMAN'S BAGEL TRAINYAOTTAWA ON

$35.57

MAY 22

MAY 26 MAIFENG9X7U 15889749072

$6.99

MAY 23

MAY 26 ISTOCK.COM INTERNET

$45.99

MAY 23

MAY 26 SP VORDA BYVORDA.COM CA

$72.95

MAY 23

MAY 26 LS LOLE BRANDS MIRABEL QC

$339.18

MAY 23

MAY 26 ORANGE JULEP MONTREAL QC

$72.09

MAY 23

MAY 26 GOOGLE*GOOGLE ONE G.CO/HELPPAY#NS

$4.59

MAY 23

MAY 26 NAYAX CANADA INC MASTER FREDERICTON NB

$41.73

MAY 24

MAY 26 TIM HORTONS #3957 SAINT-LAZARE QC

$17.15

MAY 25

MAY 26 CHELSEA CHAWARMA ET PIZZACHELSEA QC

$48.24

MAY 26

MAY 27 APPLE.COM/BILL 866-712-7753 ON

$12.64

MAY 26

MAY 27 AMAZON.CA PRIME MEMBER
AMAZON.CA/PRIBC

$11.49

MAY 26

MAY 27 APPLE.COM/BILL TORONTO ON

$14.94

MAY 26

MAY 27 JEAN COUTU 286 GATINEAU QC

$16.07

MAY 26

MAY 26 PETRO-CANADA 13015 GATINEAU QC

$50.00

MAY 26

MAY 26 PETRO-CANADA 13015 GATINEAU QC

$25.00

MAY 26

MAY 26 PETRO-CANADA 13015 GATINEAU QC

$100.00

MAY 26

MAY 26 PETRO-CANADA 13015 GATINEAU QC

$6.08

MAY 28

MAY 29 AIRBNB * HMKAQ48ERM AIRBNB.COM

$1,070.41

MAY 28

MAY 30 1:1 SALON CHELSEA QC

$348.94

MAY 28

MAY 28 PETRO-CANADA 13015 GATINEAU QC

$78.36

24036035141520454621278

74500015141656646783990

74529005141920486853703

74064495142820114901572

74284505143520370727559

24871155143092828977358

24492165143100028589622

74083425143100017902024

74064495144820118768249

74040735145920002016742

74729245145039458419413

74703415144109901702762

74064495145820174710779

74537885146101304294129

74537885146101640835478

74038715146520184541262

74500015146838451282459

74064495146820126837018

74064495146820126837026

74064495146820126837034

74064495146820126837042

74657375149000462714428

74529005148920421469600

74064495148820130290715

RBC® Avion® Visa Infinite Privilege‡
for Private Banking

BILL SYRROS 4646 92** **** 6846
SHELLEY FRASER SYRROS 4646 92** **** 2725
STATEMENT FROM MAY 21 TO JUN 19, 2025

4 OF 7

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

ACTIVITY DESCRIPTION

AMOUNT ($)

MAY 29

JUN 02

MAIFENG9X7U 15889749072

$6.99

MAY 29

JUN 02

CANADIAN TIRE STORE #176 HULL QUEBEC QC

$83.55

MAY 29

MAY 30 SHOWPASS* MOTELCHEL-KN CALGARY AB

$87.42

MAY 29

MAY 30 LAMPTWIST CORBAIS

$419.12

MAY 30

JUN 02

CTR JARDIN CLOUTIER BO CHELSEA QC

$134.93

MAY 30

JUN 02

IMPARK00110160U OTTAWA ON

$10.00

MAY 31

JUN 02

LS MOTEL CHELSEA AND O CHELSEA QC

$176.86

MAY 31

JUN 02

LIFE OF PIE INC OTTAWA ON

$56.09

MAY 31

JUN 02

BUSHTUKAH INC. OTTAWA ON

$842.50

MAY 31

JUN 05

ARTIC SPAS OTTAWA NEPEAN ON

$309.35

JUN 01

JUN 02

GENEVIEVE MUNRO YOGA CHELSEA QC

$69.93

JUN 01

JUN 02

GOOGLE *GSUITE_SEIWIND 855-222-8603 ON

$38.87

JUN 01

JUN 02

DYMON STORAGE (BARRHAV NEPEAN ON

$969.54

JUN 02

JUN 04

BUSHTUKAH INC. OTTAWA ON

$186.45

JUN 02

JUN 04

BUSHTUKAH INC. OTTAWA ON

-$429.34

JUN 02

JUN 03

BRAINTAP PROF SUBSCRIP BRAINTAP.COM NC

$70.87

JUN 04

JUN 05

DYMON STORAGE-WALKLEY OTTAWA ON

$105.71

JUN 04

JUN 05

HOMESENSE 020 OTTAWA ON

$119.72

JUN 04

JUN 05

SQ *MR POKE VANIER ON

$49.25

JUN 04

JUN 06

BUSHTUKAH ORLEANS ON

$350.28

JUN 04

JUN 04

RITCHIE FEED & SEED INC GLOUCESTER ON

$466.49

JUN 05

JUN 09

MAIFENG9X7U 15889749072

JUN 05

JUN 06

PITOU MINOU ET COMPAGNONSCHELSEA QC

$137.88

JUN 05

JUN 06

INNERSCIENCE RESEARCH INNERSCIENCERWA

$37.59

JUN 05

JUN 06

GENEVIEVE PARENT NOTAI WAKEFIELD QC

JUN 06

JUN 09

JOHN THOMPSON OTTAWA ON

$91.53

JUN 06

JUN 09

RITCHIE FEED & SEED INC GLOUCESTER ON

$391.77

JUN 06

JUN 09

APPLE.COM/BILL 866-712-7753 ON

$14.94

JUN 06

JUN 09

LS HINTONBURG KIDS OTTAWA ON

$108.45

74423425150521247329812

74064495150820107027228

74083425149100013437250

74987505149003108956067

74500015150380688926817

74703415151105564389798

74099865151000011106051

74064495151820184592358

74529005151920178270007

74872715155261559313741

74083425152100005358716

74537885152106602907620

74500015152656640523661

74529005153920133209106

74529005153920133209205

24011345154100017287739
Foreign Currency - USD 49.99 Exchange rate - 1.417683
74500015155656690993522

74703415156100116311163

74293475155000960122388

74529005155920395474206

74064495155820132988803

74423425157522637311983

74064495156820190326986

24011345157100027743942
Foreign Currency - USD 26.80 Exchange rate - 1.402611
74500015156380660803939

74064495157820185874395

74064495157820194769016

74537885157101158849222

74083425157100016105143

$6.99

$2,356.99

RBC® Avion® Visa Infinite Privilege‡
for Private Banking

BILL SYRROS 4646 92** **** 6846
SHELLEY FRASER SYRROS 4646 92** **** 2725
STATEMENT FROM MAY 21 TO JUN 19, 2025

5 OF 7

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

ACTIVITY DESCRIPTION

AMOUNT ($)

JUN 06

JUN 09

LS COPPER ALLEY GIFT B OTTAWA ON

$255.38

JUN 06

JUN 09

SUSHI-RO OTTAWA ON

$83.82

JUN 06

JUN 09

TERRA 20 TRAIN YARDS OTTAWA ON

$242.80

JUN 06

JUN 09

CANADIAN TIRE #174 OTTAWA ON

$77.63

JUN 06

JUN 09

BULK BARN STORE #712 OTTAWA ON

$16.58

JUN 06

JUN 09

FAMILLE CHARLES IGA CHELSEA QC

$21.79

JUN 06

JUN 09

FARM BOY #35 OTTAWA ON

$381.76

JUN 06

JUN 06 PAYMENT - THANK YOU / PAIEMENT - MERCI

-$295.00

JUN 06

JUN 06 PAYMENT - THANK YOU / PAIEMENT - MERCI

-$294.62

JUN 08

JUN 11

AIR CAN* 0142302444395AIRCANADA.COMMB

$85.67

JUN 09

JUN 10

BELL CANADA (OB) MONTREAL QC

$113.83

JUN 10

JUN 11

DOLLARAMA #1261 MONTREAL QC

$6.90

JUN 10

JUN 11

OURARING OULU

$8.95

JUN 10

JUN 11

AIRBNB * HMKAQ48ERM AIRBNB.COM

$35.91

JUN 10

JUN 11

EPICERIE LOCO PLATEAU MONTREAL QC

$245.77

JUN 10

JUN 11

DYMON STORAGE (TRAINYA OTTAWA ON

$130.05

JUN 11

JUN 12

LS ROTISSERIE LA LUNE MONTREAL QC

$503.98

JUN 11

JUN 12

SQ *CONVOCATION FLOWERS IMONTREAL QC

$64.37

JUN 11

JUN 13

CP - HA MCGILL MONTREAL QC

$340.42

JUN 11

JUN 11

SP MAAP CO. PTY. LTD. NORTH MELBOUR

$472.46

JUN 12

JUN 16

IGA EXTRA #8548 BOISBRIAND QC

$15.61

JUN 12

JUN 16

MAIFENG9X7U 15889749072

$6.99

JUN 12

JUN 12

OPENAI *CHATGPT SUBSCR OPENAI.COM CA

$32.27

JUN 12

JUN 13

BELL CANADA (OB) MONTREAL QC

$151.77

JUN 12

JUN 13

PATISSERIE AFRODITI 1971 MONTREAL QC

$157.10

JUN 12

JUN 13

CAFE MYRIADE - LE PLATEAUMONTREAL QC

$8.48

JUN 13

JUN 16

AGI*BESTBUY.CA/PRO 866-237-8289 ON

$19.54

JUN 14

JUN 16

MARCHE HINTONBURG MARK OTTAWA ON

$234.78

JUN 14

JUN 16

NUTTY GREEK BAKE SHOP INCOTTAWA ON

$128.23

74083425157100014091154

74450775157004001212059

74729245157040147583713

74064495158820105987755

74529005157920273015608

74529005157920429008804

74529005157920600983502

74510105157619981938106

74510105157619981939104
74537885161104925196566

74064495160820137319700

74064495161820179467085

74143615162000133181125
74657375162000464013540

74514205161004004222960

74500015161656698041151

74099865162000111049042

74293475162000538000125

74116775163605590210961

74201335162100003364043
Foreign Currency - AUD 515.00 Exchange rate - .917398
74529005163920339138206

74423425164523015524107

24492165163100009744464
Foreign Currency - USD 23.00 Exchange rate - 1.403043
74064495163820154954352

74514205163004002649600

74514205163004004153197

74537885164107996628422

74703415165108940827139

74064495165820185570506

RBC® Avion® Visa Infinite Privilege‡
for Private Banking

BILL SYRROS 4646 92** **** 6846
SHELLEY FRASER SYRROS 4646 92** **** 2725
STATEMENT FROM MAY 21 TO JUN 19, 2025

6 OF 7

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

ACTIVITY DESCRIPTION

AMOUNT ($)

JUN 14

JUN 16

PALMIER CHELSEA QC

$111.37

JUN 14

JUN 16

PALMIER CHELSEA QC

$14.95

JUN 14

JUN 16

HOME OF FRESH PASTA OTTAWA ON

$27.45

JUN 15

JUN 16

LS BLUEBARN COFFEE ROA WAKEFIELD QC

$46.94

JUN 16

JUN 16

SP MAAP CO. PTY. LTD. NORTH MELBOUR

$492.38

JUN 17

JUN 18

APPLE.COM/BILL TORONTO ON

JUN 17

JUN 18

AIRBNB * HMNMHSP5KD AIRBNB.COM

$476.54

JUN 17

JUN 18

MARCHE CHELSEA 21315 CHELSEA QC

$72.98

JUN 17

JUN 18

CHELSEA SMOKEHOUSE CHELSEA QC

$83.37

JUN 18

JUN 19

BERKLEE ONLINE 6177472141 MA

$2,169.08

SUBTOTAL OF MONTHLY ACTIVITY

$18,020.14

74514205166004013065595

74514205166004013065785

74514205166004013147187

74099865166000047863074

74201335167100003948329
Foreign Currency - AUD 540.00 Exchange rate - .911814
74038715168523718066742

74657375169000450054477

74500015168380663893347

74064495168820182927276

24493985169116933252816
Foreign Currency - USD 1,545.00 Exchange rate - 1.403935

$4.59

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

ACTIVITY DESCRIPTION

AMOUNT ($)

MAY 20

MAY 21 NAUTILUS PLUS - SS SAINT-HUBERT QC

$27.31

MAY 20

MAY 21 AMAZON.CA*NW0H71I30 AMAZON.CA ON

$22.00

MAY 20

MAY 21 VIDEOTRON LTEE #150 PPACCMONTREAL QC

$86.23

MAY 21

MAY 22 UBER CANADA/UBERTRIP TORONTO ON

$10.68

MAY 24

MAY 26 UBER* TRIP UBER.COM/CA/EON

$35.66

MAY 24

MAY 26 UBER CANADA/UBERTRIP TORONTO ON

$22.88

JUN 03

JUN 04

NAUTILUS PLUS - SS SAINT-HUBERT QC

$27.31

JUN 03

JUN 04

STM BERRI UQAM DIN102/ MONTREAL QC

$7.00

JUN 04

JUN 05

SHOWCARE EVENT SOLUTIONS MONTREAL QC

$28.74

JUN 06

JUN 09

STM MT ROYAL DIN101/16 MONTREAL QC

$7.00

JUN 06

JUN 09

CLUB ESPAGNOL DE QUEBEC MONTREAL QC

$10.16

JUN 08

JUN 09

UBER* TRIP UBER.COM/CA/EON

$30.50

JUN 08

JUN 09

UBER CANADA/UBERTRIP TORONTO ON

$10.31

JUN 11

JUN 12

UBER CANADA/UBERTRIP TORONTO ON

$13.04

JUN 11

JUN 12

UBER CANADA/UBERTRIP TORONTO ON

$12.17

74064495140820153026119

74537885140105756380993

74064495141820124424657

74064495141820167171629

74083425144100014558786

74064495144820154895526

74064495154820157103560

74064495155820116149000

74064495155820149054730

74064495158820120299954

74450775159004046902316

74083425159100013810958

74064495159820149037962

74064495162820165671343

74064495162820168963267

RBC® Avion® Visa Infinite Privilege‡
for Private Banking

BILL SYRROS 4646 92** **** 6846
SHELLEY FRASER SYRROS 4646 92** **** 2725
STATEMENT FROM MAY 21 TO JUN 19, 2025

7 OF 7

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

ACTIVITY DESCRIPTION

AMOUNT ($)

JUN 11

JUN 12

UBER CANADA/UBERONEMEM TORONTO ON

$11.49

JUN 12

JUN 13

ADOBE INC 800-8336687 CA

$22.98

JUN 12

JUN 13

UBER CANADA/UBERTRIP TORONTO ON

$24.54

JUN 13

JUN 16

BUSBUD MONTREAL QC

$169.98

JUN 14

JUN 16

UBER CANADA/UBERTRIP TORONTO ON

$31.81

JUN 14

JUN 16

UBER CANADA/UBERTRIP TORONTO ON

$11.61

JUN 17

JUN 18

NAUTILUS PLUS - SS SAINT-HUBERT QC

$27.31

SUBTOTAL OF MONTHLY ACTIVITY

$650.71

74064495162820171911741

24793385163000806397021

74064495163820166876940

74099865164000073008059

74064495165820154639415

74064495165820161465838

74064495168820156295403

TOTAL ACCOUNT BALANCE

$7,113.25

Time to Pay
If you make only the Minimum Payment each month, we estimate it will
take 12 year(s) and 11 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

$7,113.25

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.
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Canada. ‡ All other trademarks are the property of their respective owner(s).
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