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 JUL 22 TO AUG 19, 2025

PREVIOUS ACCOUNT BALANCE

1 OF 7

$14,127.70

IMPORTANT INFORMATION

AVION POINTS

BILL SYRROS
4646 92** **** 6846 - PRIMARY
JUL 22

JUL 22

TIDAL MALMO

$14.49

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

JUL 23

JUL 24

BELL MOBILITY VERDUN QC

$471.43

CONTACT US

JUL 23

JUL 24

PAYPAL *1976 6502419172 CA

$14.26

JUL 24

JUL 24

D J*WSJ 800-568-7625 NJ

$14.91

JUL 24

JUL 25

PAYPAL *1976 6502419172 CA

$7.12

JUL 25

JUL 25

AMAZON CHANNELS AMAZON.CA BC

$12.64

JUL 30

JUL 31

BRAVE.COM BRAVE.COM CA

$14.12

AUG 03

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

$14.21

AUG 04

AUG 05 PLAYLISTAI PLAYLISTAI.APAZ

$5.64

TRANSACTION POSTING
DATE
DATE

ACTIVITY DESCRIPTION
74987505203000601001089
74064495204820138451609
24036035204529599319924
24456755205102165406054
24036035205529601763381
74537885206102940228932

24064665212100002686165
Foreign Currency - USD 9.99 Exchange rate - 1.413413
74537885215101803721701

24000775217100007990587
Foreign Currency - USD 3.99 Exchange rate - 1.413533

AMOUNT ($)

AUG 05

AUG 05 PAYMENT - THANK YOU / PAIEMENT - MERCI

AUG 05

AUG 06 PAYPAL *TIDAL 4029357733 NY

AUG 06

AUG 06 PAYMENT - THANK YOU / PAIEMENT - MERCI

AUG 07

AUG 08 LS GREG CHRISTIES SKI CHELSEA QC

$205.81

AUG 08

AUG 11 PAYPAL *SPOTIFY*P39577B 35314369001

$24.13

AUG 09

AUG 11 DISNEY PLUS BURBANK CA

$18.39

AUG 09

AUG 11 ELECTRIFY CANADA AJAX ON

$7.00

AUG 11

AUG 11 TESLA TORONTO ON

$21.57

74510105217619981998108

$16.99

24036035217530633331441

74510105218710001690103
74083425219100019799716
74998865220531202017649
24793385221000402851066
74500015222656683740830
74099865223000200194086

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

-$2,500.00

NEW BALANCE

$6,911.60

-$21,636.47

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

$345.00
SEP 9, 2025
$25,000.00
$18,088.40
20.99%
21.99%

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

-$25,940.33
$18,723.53
$0.00
$0.70
$0.00

NEW BALANCE

MINIMUM PAYMENT

$345.00

503,525
23,088
(503,536)
11
23,088

PAYMENT DUE DATE

SEP 9, 2025

$14,127.70

$6,911.60

$6,911.60

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 JUL 22 TO AUG 19, 2025

2 OF 7

Thank you for choosing RBC Royal Bank
BILL SYRROS
4646 92** **** 6846 - PRIMARY (continued)
TRANSACTION POSTING
DATE
DATE

ACTIVITY DESCRIPTION

AMOUNT ($)

AUG 12

AUG 12 OPENAI *CHATGPT SUBSCR OPENAI.COM CA

$325.21

AUG 12

AUG 13 TESLA TORONTO ON

$27.53

AUG 14

AUG 14 TESLA TORONTO ON

$19.66

AUG 14

AUG 14 TESLA TORONTO ON

$13.77

AUG 14

AUG 15 SQ *DR JENNIFER SCHATZ MEOTTAWA ON

$90.00

AUG 15

AUG 18 OPENAI *CHATGPT SUBSCR OPENAI.COM CA

$32.58

AUG 15

AUG 18 AD FREE FOR PRIMEVIDEO PRIME VIDEO BC

$3.44

AUG 17

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

$3.21

AUG 19

AUG 19 CASH ADVANCE INTEREST 21.99%
SUBTOTAL OF MONTHLY ACTIVITY

24492165224100012230235
Foreign Currency - USD 229.95 Exchange rate - 1.414263
74099865224001200325083
74099865225001201951084
74099865226000200337088
74293475226000635573473

24492165227100044829779
Foreign Currency - USD 23.00 Exchange rate - 1.416521
74537885227109646827326
74537885229101816895603

$0.70
-$22,757.66

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

ACTIVITY DESCRIPTION

AMOUNT ($)

JUL 21

JUL 22

FEVER VANCOUVER BC

$151.80

JUL 22

JUL 23

DECORTOR'S CHOICE PAINT GLOUCESTER ON

$77.92

JUL 22

JUL 23

LS CENTRE DU VELO LA GATINEAU QC

$300.00

JUL 22

JUL 23

APPLE.COM/BILL 866-712-7753 ON

$45.98

JUL 23

JUL 24

ISTOCK.COM INTERNET

$45.99

JUL 23

JUL 24

DYMON STORAGE (BARRHAV NEPEAN ON

-$253.86

JUL 23

JUL 24

DYMON STORAGE (BARRHAV NEPEAN ON

$244.38

JUL 23

JUL 25

1:1 SALON CHELSEA QC

$274.20

JUL 23

JUL 25

FARM BOY #35 OTTAWA ON

$439.57

JUL 23

JUL 25

GOOGLE*GOOGLE ONE G.CO/HELPPAY#NS

$4.59

JUL 24

JUL 24

FIH CONTENT SERVICES LONDON

$41.90

JUL 24

JUL 25

CPC SCP/POSTE CANADA P OTTAWA ON

$11.50

JUL 24

JUL 25

CPC SCP/POSTE CANADA P OTTAWA ON

$112.68

JUL 24

JUL 25

CPC / SCP 270903 CHELSEA QC

$59.51

JUL 24

JUL 25

LS GREG CHRISTIES SKI CHELSEA QC

$125.93

JUL 24

JUL 25

LA CIGALE CHELSEA QC

$47.96

24080445202106212432620
74064495203820174268165
74083425203100012281025
74537885203100473055006
24871155204106832551144
74500015204656613812859
74500015204656613812867
74529005204920403497000
74529005204920499115003
74040735206920006014798

74208475205100010899144
Foreign Currency - USD 29.99 Exchange rate - 1.397132
74064495205820165307657
74064495205820165308424
74064495205820183707334
74083425205100016340841
74064375205004007068405

RBC® Avion® Visa Infinite Privilege‡
for Private Banking

BILL SYRROS 4646 92** **** 6846
SHELLEY FRASER SYRROS 4646 92** **** 2725
STATEMENT FROM JUL 22 TO AUG 19, 2025

3 OF 7

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

ACTIVITY DESCRIPTION

AMOUNT ($)

JUL 24

JUL 28

MAIFENG9X7U 15889749072

$6.99

JUL 26

JUL 28

APPLE.COM/BILL 866-712-7753 ON

$14.94

JUL 26

JUL 28

AMAZON.CA PRIME MEMBER
AMAZON.CA/PRIBC

$11.49

JUL 26

JUL 28

APPLE.COM/BILL TORONTO ON

$12.64

JUL 26

JUL 28

CTR JARDIN CLOUTIER BO CHELSEA QC

$84.10

JUL 26

JUL 28

MAXI 7566 GATINEAU QC

$146.28

JUL 26

JUL 28

CANADIAN TIRE #318 GATINEAU QC

$90.74

JUL 26

JUL 28

#755 SPORTS EXPERTS GATINEAU QC

$164.38

JUL 26

JUL 28

#755 SPORTS EXPERTS GATINEAU QC

$151.88

JUL 28

JUL 29

PETRO-CANADA 13015 GATINEAU QC

$42.79

JUL 29

JUL 31

AIR CAN* 0142305932979AIRCANADA.COMMB

$663.48

JUL 29

JUL 31

AIR CAN* 0144292460741AIRCANADA.COMMB

$95.77

JUL 29

JUL 30

BOULANGERIE DES COPAINS DMONTREAL QC

$43.48

JUL 29

JUL 29

SP LE BRAQUET.CC MONTREAL QC

$666.87

JUL 30

JUL 31

CPC / SCP 100323 OTTAWA ON

$53.83

JUL 30

JUL 31

SAGE FISH MARKET OTTAWA ON

$108.64

JUL 30

JUL 31

HOME OF FRESH PASTA OTTAWA ON

$28.22

JUL 30

JUL 31

SHOPPERS DRUG MART #63 OTTAWA ON

$60.97

JUL 30

AUG 01 FARM BOY #35 OTTAWA ON

$177.63

JUL 30

AUG 01 PRESTON HARDWARE OTTAWA ON

$124.30

JUL 31

AUG 04 IGA FAMILLE PLAMONDON GATINEAU QC

$37.40

JUL 31

AUG 04 MAIFENG9X7U 15889749072

$6.99

JUL 31

JUL 31

GENEVIEVE MUNRO YOGA CHELSEA QC

$67.60

JUL 31

JUL 31

AMZN MKTP CA*TJ4PN0043
WWW.AMAZON.CAON

$29.88

JUL 31

AUG 01 RBC GRANFONDO WHISTLER VANCOUVER BC

$580.19

JUL 31

AUG 01 MAGASIN LES FOUGERES CHELSEA QC

$42.00

JUL 31

AUG 01 MAKER HOUSE CO. OTTAWA ON

$118.30

AUG 01

AUG 04 GOOGLE*GSUITE SEIWIND. CC GOOGLE.COMCA

$38.87

AUG 01

AUG 04 MARCHE CHELSEA 21315 CHELSEA QC

$19.65

74284505206529685678138
74537885207104242745976

74537885207104587829443
74038715207529666027621
74500015207380646875612
74500015207882660941931
74064495208820106763593
74064495208820109066325
74064495208820109066333
74064495210820129983059
74537885211107872369805
74537885211107872369862
74514205210004004237514
74083425210100006086746
74064495211820179675943
74064375211004006849815
74514205211004018421939
74500015211882680530916
74529005211920514046200
74514205212004044778285
74529005212920456996700
74284505213530783595456
74083425212100005463621

74537885212108430839270
74083425212100015870757
74703415212109139914673
74514205212004005666206
24803945214920001352968
74500015213380668588368

RBC® Avion® Visa Infinite Privilege‡
for Private Banking

BILL SYRROS 4646 92** **** 6846
SHELLEY FRASER SYRROS 4646 92** **** 2725
STATEMENT FROM JUL 22 TO AUG 19, 2025

4 OF 7

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

ACTIVITY DESCRIPTION

AMOUNT ($)

AUG 01

AUG 04 DYMON STORAGE (BARRHAV NEPEAN ON

$22.60

AUG 01

AUG 04 DYMON STORAGE (BARRHAV NEPEAN ON

$946.94

AUG 01

AUG 04 DYMON STORAGE (TRAINYA OTTAWA ON

$251.54

AUG 01

AUG 04 WESTJET 8382199388575CALGARY AB

$766.76

AUG 02

AUG 04 PITOU MINOU ET COMPAGNONSCHELSEA QC

$185.96

AUG 02

AUG 04 BRAINTAP PROF SUBSCRIP BRAINTAP.COM NC

$71.13

AUG 05

AUG 06 AVION*AIR/VOL 877-636-2870 BC

AUG 05

AUG 06 FLOSPORTS SUBSCRIPTION FLOSPORTS.TV TX

$45.98

AUG 05

AUG 06 APPLE.COM/BILL 866-712-7753 ON

$89.67

AUG 05

AUG 06 INNERSCIENCE RESEARCH INNERSCIENCERWA

$37.94

AUG 06

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

$14.94

AUG 07

AUG 11 MAIFENG9X7U 15889749072

$6.99

AUG 07

AUG 08 BELL CANADA (OB) MONTREAL QC

$113.83

AUG 07

AUG 08 GAUVREAU TRANSPORT CHELSEA QC

$354.00

AUG 08

AUG 11 PITOU MINOU ET COMPAGNONSCHELSEA QC

$214.97

AUG 08

AUG 11 FAMILLE CHARLES IGA CHELSEA QC

$165.71

AUG 09

AUG 11 OURARING OULU

AUG 10

AUG 11 TCKTWEB*LINEUPINFOATEL 800-965-4827 QC

$189.05

AUG 11

AUG 12 WWW COSTCO CA 888-426-7826 ON

$68.25

AUG 11

AUG 12 RAPHA RACING LONDON

$203.51

AUG 11

AUG 12 RAPHA RACING LONDON

$287.44

AUG 12

AUG 12 OPENAI *CHATGPT SUBSCR OPENAI.COM CA

$32.53

AUG 12

AUG 13 BELL CANADA (OB) MONTREAL QC

$151.77

AUG 12

AUG 13 NUTTY GREEK BAKE SHOP INCOTTAWA ON

$86.31

AUG 12

AUG 13 TROVE FASHION OTTAWA ON

$347.61

AUG 12

AUG 13 LS BLUEBARN COFFEE ROA WAKEFIELD QC

$28.42

AUG 12

AUG 13 MAKER HOUSE CO. OTTAWA ON

$44.65

AUG 13

AUG 18 AIR CAN* 0142306958810AIRCANADA.COMMB

$116.55

74500015213656685624603
74500015213656685626657
74500015213656684662174
74479325215004028020205
74064495214820189215208

24011345215100049027456
Foreign Currency - USD 49.99 Exchange rate - 1.422884
74537885217100688170263
24011345217100077000191
74537885217100426306492

24011345218100029190909
Foreign Currency - USD 26.80 Exchange rate - 1.415671
74537885218101316935696
74284505220531887353827
74064495219820139820425
74064495219820184819355
74064495220820192894553
74529005220920416401205
74143615222000131641839
74537885222104967853659
74537885223106418009053
74875305223001467355037
74875305223001467472030

24492165224100009291588
Foreign Currency - USD 23.00 Exchange rate - 1.414347
74064495224820154526090
74064495224820179324158
74064495224820182178906
74099865224001006973052
74514205224004005197448
74537885227109646076031

$2,425.78

$8.95

RBC® Avion® Visa Infinite Privilege‡
for Private Banking

BILL SYRROS 4646 92** **** 6846
SHELLEY FRASER SYRROS 4646 92** **** 2725
STATEMENT FROM JUL 22 TO AUG 19, 2025

5 OF 7

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

ACTIVITY DESCRIPTION

AMOUNT ($)

AUG 13

AUG 14 LS GREG CHRISTIES SKI CHELSEA QC

$344.83

AUG 13

AUG 14 AGI*BESTBUY.CA/PRO 866-237-8289 ON

$19.54

AUG 13

AUG 14 PALMIER CHELSEA QC

$13.97

AUG 13

AUG 14 SQ *SERRURIER FARLEY CANTLEY QC

$236.00

AUG 14

AUG 15 GOOD RIDDINS GATINEAU QC

$776.08

AUG 15

AUG 18 MAIFENG9X7U 15889749072

$6.99

AUG 16

AUG 18 ESSO CIRCLE K OTTAWA ON

$53.81

AUG 17

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

$4.59

AUG 18

AUG 19 LS BLUEBARN COFFEE ROA WAKEFIELD QC

$37.01

74083425225100016225576
74537885225108180998768
74514205225004017158254
74293475225000623242116
74872715227122272518756
74423425227532593936455
74064495230920103666443
74537885229101455323537
74099865230001951805053

SUBTOTAL OF MONTHLY ACTIVITY

$14,192.95

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

ACTIVITY DESCRIPTION

AMOUNT ($)

JUL 21

JUL 22

STM MCGILL DAO101 MONTREAL QC

$7.00

JUL 24

JUL 24

PRIMEVIDEO.C*368A25583
WWW.AMAZON.CABC

$4.01

JUL 24

JUL 25

SP LECLUB.CC MONTREAL QC

$342.52

JUL 29

JUL 31

AIR CAN* 0142305940908AIRCANADA.COMMB

$438.92

JUL 29

JUL 31

AIR CAN* 0142305940909AIRCANADA.COMMB

$438.92

JUL 29

JUL 30

NAUTILUS PLUS - SS SAINT-HUBERT QC

$27.31

JUL 29

JUL 30

RBC GRANFONDO WHISTLER VANCOUVER BC

$469.68

JUL 31

AUG 01 STM LOGE PLACE-ST-HENRI NMONTREAL QC

$7.00

AUG 02

AUG 04 AMZN MKTP CA*565OZ5RS3
WWW.AMAZON.CAON

$21.16

AUG 03

AUG 04 UBER CANADA/UBERTRIP TORONTO ON

$11.15

AUG 04

AUG 05 STM MT ROYAL DAN101/27 MONTREAL QC

$7.00

AUG 06

AUG 07 AIR TRANSAT SAINT-LAURENTQC

$10.99

AUG 06

AUG 07 LINOU SOUMPASIS ATHINA

$262.77

AUG 06

AUG 06 PAYMENT - THANK YOU / PAIEMENT - MERCI

AUG 08

AUG 11 UBER *TRIP HELP.UBER.COM

74064495203820115590941

74537885205102097089997
74083425206100003652264
74537885211107872260681
74537885211107872260749
74064495210820156015395
74083425210100016903229
74064495213820117705271

74537885214100293091758
74064495215820149267769
74064495217820116090523
74064495218820148468266

24085105218000201805028
Foreign Currency - EUR 160.60 Exchange rate - 1.636176
74510105218619981181100
74143615221000157551350

-$1,400.00
$15.26

RBC® Avion® Visa Infinite Privilege‡
for Private Banking

BILL SYRROS 4646 92** **** 6846
SHELLEY FRASER SYRROS 4646 92** **** 2725
STATEMENT FROM JUL 22 TO AUG 19, 2025

6 OF 7

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

ACTIVITY DESCRIPTION

AMOUNT ($)

AUG 08

AUG 11 UBER *TRIP HELP.UBER.COM

$11.38

AUG 09

AUG 11 HOMCORE MONOPROSOPI I. ATHINA

$187.68

AUG 10

AUG 11 UBER *TRIP HELP.UBER.COM

$7.47

AUG 10

AUG 11 UBER *TRIP HELP.UBER.COM

$8.13

AUG 10

AUG 11 UBER *TRIP HELP.UBER.COM

$11.38

AUG 10

AUG 13 OASA ETICKET POS ATHINA

$13.49

AUG 11

AUG 12 UBER CANADA/UBERONEMEM TORONTO ON

$11.49

AUG 12

AUG 13 NAUTILUS PLUS - SS SAINT-HUBERT QC

$27.31

AUG 12

AUG 13 ADOBE INC 800-8336687 CA

$22.98

AUG 12

AUG 13 UBER *TRIP HELP.UBER.COM

$9.67

AUG 12

AUG 13 UBER *TRIP HELP.UBER.COM

$14.31

AUG 13

AUG 18 CINE PARIS ATHINA

$9.07

AUG 13

AUG 14 UBER *TRIP HELP.UBER.COM

$7.32

AUG 13

AUG 14 UBER *TRIP HELP.UBER.COM

$9.66

AUG 13

AUG 14 UBER *TRIP HELP.UBER.COM

$9.82

AUG 14

AUG 15 UBER *TRIP HELP.UBER.COM

$6.55

AUG 14

AUG 14 PAYMENT - THANK YOU / PAIEMENT - MERCI

-$150.00

AUG 15

AUG 18 PRASINI TENTA ATHINA

$161.81

AUG 16

AUG 18 GETYOURGUIDE VANCOUVER BC

$222.36

AUG 16

AUG 18 UBER *TRIP HELP.UBER.COM

$15.06

AUG 16

AUG 18 UBER *TRIP HELP.UBER.COM

$9.98

AUG 16

AUG 18 UBER *TRIP HELP.UBER.COM

$12.27

AUG 17

AUG 18 UBER *TRIP HELP.UBER.COM

$6.55

AUG 17

AUG 18 UBER *TRIP HELP.UBER.COM

$39.18

74143615221000843181406

24085105221000168182242
Foreign Currency - EUR 114.00 Exchange rate - 1.646315
74143615223000191310423
74143615223000191520708
74143615223000995420303

74003125222360502783100
Foreign Currency - EUR 8.20 Exchange rate - 1.645121
74064495223820154014114
74064495224820157517567
24793385224002501854055
74143615225000142921631
74143615225000142880878

74943385230201450437005
Foreign Currency - EUR 5.50 Exchange rate - 1.649090
74143615226000139200220
74143615226000139330761
74143615226002626000097
74143615227000140531620

74510105226619987882107

24085105227000205639836
Foreign Currency - EUR 97.90 Exchange rate - 1.652808
74099865228000026983030
Foreign Currency - EUR 134.00 Exchange rate - 1.659402
74143615229000145621580
74143615229000145781343
74143615229000145611136
74143615230000186931333
74143615230000186980991

SUBTOTAL OF MONTHLY ACTIVITY

TOTAL ACCOUNT BALANCE

$1,348.61

$6,911.60

RBC® Avion® Visa Infinite Privilege‡
for Private Banking

BILL SYRROS 4646 92** **** 6846
SHELLEY FRASER SYRROS 4646 92** **** 2725
STATEMENT FROM JUL 22 TO AUG 19, 2025

7 OF 7

Time to Pay
If you make only the Minimum Payment each month, we estimate it will
take 11 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**

Purchases & Fees

20.99

$6,910.90

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).
®/™