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 JUN 20 TO JUL 21, 2025 PREVIOUS ACCOUNT BALANCE 1 OF 7 $7,113.25 AVION POINTS BILL SYRROS 4646 92** **** 6846 - PRIMARY TRANSACTION POSTING DATE DATE IMPORTANT INFORMATION ACTIVITY DESCRIPTION AMOUNT ($) Previous Points balance Points earned this statement Points adjusted this statement New points balance JUN 19 JUN 23 NAYAX CANADA INC MASTER FREDERICTON NB $52.84 JUN 20 JUN 23 TESLA TORONTO ON $132.22 JUN 20 JUN 20 AMZN MKTP CA*NO95I9792 WWW.AMAZON.CAON $341.96 JUN 21 JUN 23 TESLA TORONTO ON $16.09 JUN 21 JUN 23 SP RETRO PELOTON WIRRAL $114.00 JUN 21 JUN 23 CHELSEA & CO CHELSEA QC $36.86 JUN 22 JUN 23 TIDAL MALMO $14.49 JUN 23 JUN 24 BELL MOBILITY VERDUN QC $446.58 JUN 24 JUN 25 D J*WSJ 800-568-7625 NJ $14.91 JUN 24 JUN 25 OMNI HOTELS TORONTO ON $904.84 JUN 25 JUN 26 OMNI HOTELS TORONTO ON $415.63 JUN 25 JUN 25 AMAZON CHANNELS AMAZON.CA BC $12.64 Previous Account Balance Payments & credits Purchases & debits Cash advances Interest Fees Total Account Balance JUN 26 JUN 27 GOOGLE *YOUTUBEPREMIUM G.CO/HELPPAY#NS $149.46 NEW BALANCE JUN 27 JUN 30 G-STAR CANADA INC. MONTREAL QC $367.92 JUN 30 JUL 02 BRAVE.COM BRAVE.COM CA $14.09 JUL 01 JUL 02 ADOBE INC 800-8336687 CA $179.22 74729245171040819111613 74099865171001100399033 74537885171100740741857 74099865172000400384066 74208475173100001429644 74116775173820614108152 74987505173000200965086 74064495174820138611596 24456755175104464192233 74872715176731768773922 74872715177161777771510 74537885176105049260470 482,279 21,222 24 503,525 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 $635.00 AUG 15, 2025 $25,000.00 $10,872.30 20.99% 21.99% CALCULATING YOUR BALANCE -$10,608.18 $17,265.19 $100.00 $252.44 $5.00 $7,113.25 $14,127.70 $14,127.70 74537885177106381186900 74099865178000026711068 24064665182100002775485 Foreign Currency - USD 9.99 Exchange rate - 1.410410 24793385182000309752034 RBC ROYAL BANK CREDIT CARD PAYMENT CENTRE P.O. BOX 4016, STATION “A” TORONTO, ONTARIO M5W 2E6 NEW BALANCE $14,127.70 MINIMUM PAYMENT $635.00 PAYMENT DUE DATE AUG 15, 2025 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 JUN 20 TO JUL 21, 2025 2 OF 7 BILL SYRROS 4646 92** **** 6846 - PRIMARY (continued) TRANSACTION POSTING DATE DATE ACTIVITY DESCRIPTION AMOUNT ($) JUL 03 JUL 04 PRIMEAU VELO GATINEAU GATINEAU QC $454.28 JUL 03 JUL 04 GOOGLE *TUNEIN G.CO/HELPPAY#NS $14.21 JUL 04 JUL 07 PLAYLISTAI PLAYLISTAI.APAZ $5.57 JUL 06 JUL 07 PAYPAL *TIDAL 4029357733 NY $16.99 JUL 08 JUL 09 PAYPAL *SPOTIFY*P38651C 35314369001 $24.13 JUL 08 JUL 09 BET 365 BET365.COM $100.00 JUL 09 JUL 11 ELECTRIFY CANADA AJAX ON $7.00 JUL 09 JUL 09 CASH ADVANCE FEE $5.00 JUL 09 JUL 09 DISNEY PLUS BURBANK CA $18.39 JUL 10 JUL 12 JUL 10 JUL 14 AUTOMATIC PAYMENT -THANK YOU OPENAI *CHATGPT SUBSCR OPENAI.COM CA -$320.00 $323.68 JUL 15 JUL 16 OPENAI *CHATGPT SUBSCR OPENAI.COM CA $32.32 JUL 15 JUL 16 AD FREE FOR PRIMEVIDEO PRIME VIDEO BC $3.44 JUL 15 JUL 16 PAYMENT - THANK YOU / PAIEMENT - MERCI JUL 16 JUL 18 GOOGLE*GOOGLE ONE G.CO/HELPPAY#NS $31.03 JUL 17 JUL 18 SP BLACKTOE RUNNING TORONTO ON $123.02 JUL 17 JUL 18 WEB*REGISTERWEBSITE 800-8999723 FL $486.23 JUL 18 JUL 18 TUNEIN INC TUNEIN.COM CA $131.89 JUL 21 JUL 21 TESLA TORONTO ON $16.09 JUL 21 JUL 21 JUL 21 JUL 21 CASH ADVANCE INTEREST 21.99% PURCHASE INTEREST 20.99% SUBTOTAL OF MONTHLY ACTIVITY 74064495184820148284861 74537885184102967271605 24000775186100010192525 Foreign Currency - USD 3.99 Exchange rate - 1.395989 24036035187526559919223 74998865189526423609538 74043635190920009016912 74500015191656604938593 74043635190920009016912 24793385190000101851067 24492165193100009794422 Foreign Currency - USD 229.95 Exchange rate - 1.407610 24492165196100043462264 Foreign Currency - USD 23.00 Exchange rate - 1.405217 74537885196103970456890 74510105197619989582106 74040735199920003013388 74083425199100002692005 24906415198234035429507 Foreign Currency - USD 344.80 Exchange rate - 1.410179 24011345199100033970927 74099865202001300255061 -$10,000.00 $0.75 $251.69 -$5,060.54 SHELLEY FRASER SYRROS 4646 92** **** 2725 - CO-APPLICANT TRANSACTION POSTING DATE DATE ACTIVITY DESCRIPTION AMOUNT ($) JUN 18 JUN 20 BILY KUN MONTREAL QC $53.82 JUN 19 JUN 23 MAIFENG9X7U 15889749072 $6.99 JUN 19 JUN 23 AIR CAN* 0142303162564AIRCANADA.COMMB $633.77 JUN 19 JUN 20 SP LECLUB.CC MONTREAL QC $300.89 JUN 19 JUN 20 CAFE MYRIADE - LE PLATEAUMONTREAL QC $17.50 74116775170163487631981 74423425171524371771705 74537885172101922097844 74083425171100000728415 74514205170004004204082 RBC® Avion® Visa Infinite Privilege‡ for Private Banking BILL SYRROS 4646 92** **** 6846 SHELLEY FRASER SYRROS 4646 92** **** 2725 STATEMENT FROM JUN 20 TO JUL 21, 2025 3 OF 7 SHELLEY FRASER SYRROS 4646 92** **** 2725 - CO-APPLICANT (continued) TRANSACTION POSTING DATE DATE ACTIVITY DESCRIPTION AMOUNT ($) JUN 20 JUN 20 SQ *MR POKE VANIER ON $60.17 JUN 23 JUN 24 ISTOCK.COM INTERNET $45.99 JUN 23 JUN 24 PAYBYPHONE CITY OF OTT VANCOUVER BC $4.45 JUN 23 JUN 25 GOOGLE*GOOGLE ONE G.CO/HELPPAY#NS $4.59 JUN 25 JUN 26 LA CIGALE CHELSEA QC $11.96 JUN 25 JUN 26 BERKLEE ONLINE 6177472141 MA JUN 25 JUN 27 STARBUCKS 04788 OTTAWA ON $7.72 JUN 25 JUN 26 CANADIAN TIRE #174 OTTAWA ON $121.99 JUN 25 JUN 26 CANADIAN TIRE #174 OTTAWA ON $204.36 JUN 26 JUN 30 BOUTIQUE JAMBOREE WAKEFILED QC $206.96 JUN 26 JUN 30 MAIFENG9X7U 15889749072 JUN 26 JUN 27 PITOU MINOU ET COMPAGNONSCHELSEA QC $333.58 JUN 26 JUN 27 APPLE.COM/BILL 866-712-7753 ON $14.94 JUN 26 JUN 27 APPLE.COM/BILL 866-712-7753 ON $12.64 JUN 26 JUN 27 AMAZON.CA PRIME MEMBER AMAZON.CA/PRIBC $11.49 JUN 26 JUN 27 KHEWA WAKEFIELD QC $25.29 JUN 26 JUN 27 KHEWA WAKEFIELD QC $78.06 JUN 26 JUN 26 PETRO-CANADA 10613 CHELSEA QC $31.74 JUN 29 JUL 02 FAMILLE CHARLES IGA CHELSEA QC $14.11 JUN 29 JUL 02 OMNI #8463 BLUE SEA QC $32.60 JUN 29 JUL 02 OMNI #8463 BLUE SEA QC $103.47 JUL 01 JUL 02 GENEVIEVE MUNRO YOGA CHELSEA QC $67.60 JUL 01 JUL 02 GOOGLE*GSUITE SEIWIND. CC GOOGLE.COMCA $38.87 JUL 01 JUL 02 DYMON STORAGE (BARRHAV NEPEAN ON $969.54 JUL 01 JUL 02 DYMON STORAGE (TRAINYA OTTAWA ON $251.54 JUL 01 JUL 02 SQ *MCGOEY'S MARKET AND BFARRELLTON QC $40.00 JUL 01 JUL 02 SQ *MCGOEY'S MARKET AND BFARRELLTON QC $90.07 JUL 02 JUL 07 AIR CAN* 0144290806238AIRCANADA.COMMB $36.75 JUL 02 JUL 04 BURRITO GRINGO (BRONSON) OTTAWA ON $39.22 74293475171000724389562 24871155174098842954721 74500015174656621762621 74040735176920002040207 74064375176004007577798 24493985176119335164903 Foreign Currency - USD 1,545.00 Exchange rate - 1.408446 74703415177106190839792 74064495177820105650277 74064495177820105652281 74529005177920287531406 74284505178525272361728 74064495177820191213667 74537885177106239239398 74537885177106246367273 $2,176.05 $6.99 74537885177106629778948 74872715177261779315397 74872715177261779315405 74064495177820133444321 74529005180920338562702 74529005180920376604408 74529005180920376604507 74083425182100004598605 24803945183920005296465 74500015182656640656275 74500015182656640026594 74293475182000626374552 74293475182000626315910 74537885185103823257951 74529005183920155111309 RBC® Avion® Visa Infinite Privilege‡ for Private Banking BILL SYRROS 4646 92** **** 6846 SHELLEY FRASER SYRROS 4646 92** **** 2725 STATEMENT FROM JUN 20 TO JUL 21, 2025 4 OF 7 SHELLEY FRASER SYRROS 4646 92** **** 2725 - CO-APPLICANT (continued) TRANSACTION POSTING DATE DATE ACTIVITY DESCRIPTION AMOUNT ($) JUL 02 JUL 03 AMZN MKTP CA*N34OD4A01 WWW.AMAZON.CAON $30.42 JUL 02 JUL 03 AMAZON.CA*N353R3AL0 AMAZON.CA ON $80.52 JUL 02 JUL 03 BRAINTAP PROF SUBSCRIP BRAINTAP.COM NC $70.04 JUL 02 JUL 02 AMZN MKTP CA*N30K583M0 WWW.AMAZON.CAON $60.89 JUL 02 JUL 02 AMAZON.CA*N37U84JJ1 AMAZON.CA ON $44.63 JUL 02 JUL 02 AMZN MKTP CA*N33653KZ2 WWW.AMAZON.CAON $38.41 JUL 03 JUL 07 MAIFENG9X7U 15889749072 $6.99 JUL 03 JUL 07 LCBO/RAO #0041 OTTAWA ON $54.20 JUL 03 JUL 07 FARM BOY #35 OTTAWA ON $103.82 JUL 03 JUL 07 L.L. BEAN OTTAWA OTTAWA ON $253.40 JUL 03 JUL 04 AMZN MKTP CA*N33VI0WX2 WWW.AMAZON.CAON $29.67 JUL 03 JUL 04 AMZN MKTP CA*N32K38GQ0 WWW.AMAZON.CAON $170.09 JUL 03 JUL 04 TERRA 20 TRAIN YARDS OTTAWA ON $256.42 JUL 03 JUL 04 IL NEGOZIO NICASTRO OTTAWA ON $166.40 JUL 03 JUL 04 IL NEGOZIO NICASTRO OTTAWA ON $96.97 JUL 03 JUL 04 IL NEGOZIO NICASTRO OTTAWA ON $34.61 JUL 03 JUL 04 WINNERS 532 OTTAWA ON $241.68 JUL 04 JUL 07 CHELSEA SMOKEHOUSE CHELSEA QC $48.88 JUL 04 JUL 07 MAGASIN LES FOUGERES CHELSEA QC $65.23 JUL 04 JUL 07 CANADIAN TIRE STORE #176 HULL QUEBEC QC -$73.49 JUL 04 JUL 07 CANADIAN TIRE STORE #176 HULL QUEBEC QC $119.51 JUL 04 JUL 07 CANADIAN TIRE STORE #176 HULL QUEBEC QC $213.41 JUL 04 JUL 07 IGA FAMILLE PLAMONDON GATINEAU QC $218.04 JUL 05 JUL 07 BUSBUD MONTREAL QC $56.66 JUL 05 JUL 07 FLOSPORTS SUBSCRIPTION FLOSPORTS.TV TX $45.98 JUL 05 JUL 07 CANADIAN TIRE #174 OTTAWA ON $102.02 JUL 05 JUL 07 INNERSCIENCE RESEARCH INNERSCIENCERWA $37.42 74537885183101999974229 74537885183102001418569 24011345184100017957764 Foreign Currency - USD 49.99 Exchange rate - 1.401080 74537885183101525071888 74537885183101567318544 74537885183101568445007 74284505185526388098734 74529005184920214057005 74529005184920550575305 74514205185004048486011 74537885184102632954296 74537885184102782486586 74729245184041455718518 74514205184004019264828 74514205184004019264802 74514205184004019264794 74703415185103479983722 74064495185820166996429 74703415185104295218756 74064495186820107566082 74064495186820107567254 74064495186820107569847 74529005185920507357400 74099865186000016824053 24011345186100059321935 74064495187820105586602 24011345187100059166685 Foreign Currency - USD 26.80 Exchange rate - 1.396268 RBC® Avion® Visa Infinite Privilege‡ for Private Banking BILL SYRROS 4646 92** **** 6846 SHELLEY FRASER SYRROS 4646 92** **** 2725 STATEMENT FROM JUN 20 TO JUL 21, 2025 5 OF 7 SHELLEY FRASER SYRROS 4646 92** **** 2725 - CO-APPLICANT (continued) TRANSACTION POSTING DATE DATE ACTIVITY DESCRIPTION AMOUNT ($) JUL 05 JUL 14 CHELSEA & CO MICROBRAS CHELSEA QC $25.27 JUL 06 JUL 07 APPLE.COM/BILL 866-712-7753 ON $14.94 JUL 06 JUL 07 LS BLUEBARN COFFEE ROA WAKEFIELD QC $15.87 JUL 06 JUL 07 EUROSTAR INTERNATIONAL LILONDON $301.61 JUL 06 JUL 07 CANADIAN TIRE STORE #176 HULL QUEBEC QC $163.71 JUL 07 JUL 08 MAYA MOBILE OIANZKBKSU 866-2769470 DE $34.99 JUL 07 JUL 08 CTR JARDIN CLOUTIER BO CHELSEA QC $98.67 JUL 08 JUL 09 AMZN MKTP CA*NL3K87DJ2 WWW.AMAZON.CAON $188.38 JUL 09 JUL 11 BUSHTUKAH INC. OTTAWA ON -$214.69 JUL 09 JUL 11 FARM BOY #35 OTTAWA ON $312.17 JUL 09 JUL 10 BELL CANADA (OB) MONTREAL QC $113.83 JUL 09 JUL 10 OURARING OULU $8.95 JUL 09 JUL 10 WINNERS 377 GATINEAU QC $92.88 JUL 09 JUL 09 PETRO-CANADA 13887 GATINEAU QC $65.25 JUL 10 JUL 14 MAIFENG9X7U 15889749072 $6.99 JUL 10 JUL 11 BELL CANADA (OB) MONTREAL QC $151.77 JUL 10 JUL 11 JOM* JEWELIA ORLICK ME CHELSEA QC $55.00 JUL 10 JUL 10 SP MINDBODYGREEN SHOP.MINDBODYNY $337.31 JUL 11 JUL 14 MARCHE CHELSEA 21315 CHELSEA QC $17.97 JUL 12 JUL 14 OPENAI *CHATGPT SUBSCR OPENAI.COM CA $32.37 JUL 13 JUL 14 SQ *OTTAWA BLUESFEST . OTTAWA ON $50.61 JUL 13 JUL 14 SQ *OTTAWA BLUESFEST . OTTAWA ON $290.00 JUL 13 JUL 14 AGI*BESTBUY.CA/PRO 866-237-8289 ON $19.54 JUL 14 JUL 15 PITOU MINOU ET COMPAGNONSCHELSEA QC $239.28 JUL 16 JUL 17 LS GREG CHRISTIES SKI CHELSEA QC $104.23 JUL 16 JUL 18 THE HOME DEPOT #7025 GLOUCESTER ON $112.62 JUL 16 JUL 16 DECORTOR'S CHOICE PAINT GLOUCESTER ON $189.78 JUL 17 JUL 21 MAIFENG9X7U 15889749072 74500015192838486358145 74537885187105506986846 74099865187000061485072 74875305187000903629066 Foreign Currency - USD 216.00 Exchange rate - 1.396342 74064495188820106602431 24793385188003401323096 74500015188380637292317 74537885189107349078581 74529005190920134826705 74529005190920496053906 74064495190820138451332 74143615191000142850426 74703415191108953720740 74064495190820130239164 74284505192527487532384 74064495191820139612691 74083425191100019790162 24000775191100011079740 Foreign Currency - USD 240.00 Exchange rate - 1.405458 74500015192380645168685 24492165193100006898606 Foreign Currency - USD 23.00 Exchange rate - 1.407391 74293475194000783228910 74293475194000783602965 74537885194102561359291 74064495195820182819371 74083425197100015247708 74522815198004047223358 74064495197820132871819 74284505199528584327721 $6.99 RBC® Avion® Visa Infinite Privilege‡ for Private Banking BILL SYRROS 4646 92** **** 6846 SHELLEY FRASER SYRROS 4646 92** **** 2725 STATEMENT FROM JUN 20 TO JUL 21, 2025 6 OF 7 SHELLEY FRASER SYRROS 4646 92** **** 2725 - CO-APPLICANT (continued) TRANSACTION POSTING DATE DATE ACTIVITY DESCRIPTION AMOUNT ($) JUL 17 JUL 18 APPLE.COM/BILL 866-712-7753 ON $4.59 JUL 18 JUL 21 APPLE.COM/BILL 866-712-7753 ON $114.96 JUL 18 JUL 21 MAYA MOBILE OIANZKBKSU 866-2769470 DE $34.99 JUL 18 JUL 21 LS MOTEL CHELSEA AND O CHELSEA QC $10.35 74537885198105710396144 74537885199106629390045 24793385199001304376093 74099865199002606446052 SUBTOTAL OF MONTHLY ACTIVITY $11,629.71 JACKSON SYRROS 4646 92** **** 0131 - AUTHORIZED USER MONTHLY CARD LIMIT - $2,500.00 TRANSACTION POSTING DATE DATE ACTIVITY DESCRIPTION AMOUNT ($) JUN 20 JUN 23 VIDEOTRON LTEE #150 PPACCMONTREAL QC $86.23 JUN 27 JUN 27 UBER* TRIP UBER.COM/CA/EON $35.94 JUL 01 JUL 03 FAMILLE CHARLES IGA CHELSEA QC $70.85 JUL 01 JUL 02 NAUTILUS PLUS - SS SAINT-HUBERT QC $27.31 JUL 04 JUL 07 STM MT ROYAL DIN101/13 MONTREAL QC $7.00 JUL 05 JUL 07 STM BONAVENTURE DIS101 MONTREAL QC $7.00 JUL 05 JUL 07 STM LOGE MONT ROYAL N102 MONTREAL QC $7.00 JUL 09 JUL 09 AMZN MKTP CA*NL5HH4UH2 WWW.AMAZON.CAON $33.33 JUL 10 JUL 11 UBER CANADA/UBERTRIP TORONTO ON $14.59 JUL 11 JUL 14 UBER CANADA/UBERONEMEM TORONTO ON $11.49 JUL 12 JUL 14 ADOBE INC 800-8336687 CA $22.98 JUL 15 JUL 16 NAUTILUS PLUS - SS SAINT-HUBERT QC $27.31 JUL 20 JUL 21 PRIMEVIDEO.C*HY0RD1HF3 WWW.AMAZON.CABC $4.01 JUL 20 JUL 21 PRIMEVIDEO.C*1892U17O3 WWW.AMAZON.CABC $4.01 JUL 20 JUL 21 VIDEOTRON LTEE #150 PPACCMONTREAL QC $86.23 74064495172820130500468 74083425178100003918735 74529005182920237053207 74064495182820138690939 74064495186820119794805 74064495187820116674900 74064495187820116744620 74537885190107982796488 74064495191820156775769 74064495192820172282500 24793385193000106989059 74064495196820158035233 74537885201108267734035 74537885201108317390507 74064495202820124636983 SUBTOTAL OF MONTHLY ACTIVITY TOTAL ACCOUNT BALANCE $445.28 $14,127.70 RBC® Avion® Visa Infinite Privilege‡ for Private Banking BILL SYRROS 4646 92** **** 6846 SHELLEY FRASER SYRROS 4646 92** **** 2725 STATEMENT FROM JUN 20 TO JUL 21, 2025 7 OF 7 Time to Pay If you make only the Minimum Payment each month, we estimate it will take 15 year(s) and 2 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** Cash Advance 21.99 $78.03 Purchases & Fees 20.99 $13,797.23 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). ®/™