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 SEP 20 TO OCT 20, 2025 PREVIOUS ACCOUNT BALANCE 1 OF 6 $16,677.29 AVION POINTS BILL SYRROS 4646 92** **** 6846 - PRIMARY TRANSACTION POSTING DATE DATE ACTIVITY DESCRIPTION AMOUNT ($) SEP 18 SEP 22 AIR CAN* 0144294805185AIRCANADA.COMMB $88.99 SEP 19 SEP 22 PAYMENT - THANK YOU / PAIEMENT - MERCI -$7,000.00 SEP 20 SEP 22 TIDAL MALMO $14.49 SEP 21 SEP 22 TESLA TORONTO ON $16.09 SEP 23 SEP 24 BELL MOBILITY VERDUN QC $559.58 SEP 24 SEP 24 D J*WSJ 800-568-7625 NJ $14.91 SEP 24 SEP 25 POPULAR INFORMATION POPULAR.INFO DC $70.99 SEP 25 SEP 25 AMAZON CHANNELS AMAZON.CA BC $12.64 74537885263102507580543 74510105265619980176103 74987505263000601239215 74099865264000400116061 74064495266820134332626 24456755267102788761377 24011345268100007918759 Foreign Currency - USD 50.00 Exchange rate - 1.419800 74537885268103573655909 SEP 25 SEP 26 ABACO SPA - AURONZO DI C AURONZO DI CA $20.12 SEP 26 SEP 29 DOLOMITI BUS BELLUNO $33.47 SEP 28 SEP 29 JULANG GMBH STILFS $15.07 SEP 30 OCT 01 GARDA BIKE SHOP RIVA DEL GARD $169.49 SEP 30 OCT 01 BRAVE.COM BRAVE.COM CA $14.28 OCT 03 OCT 06 GOOGLE*TUNEIN RADIO M G.CO/HELPPAY#NS $14.21 OCT 04 OCT 06 PLAYLISTAI PLAYLISTAI.APAZ $5.71 74871635268208725400998 Foreign Currency - EUR 12.00 Exchange rate - 1.676666 74463665270592708931963 Foreign Currency - EUR 20.00 Exchange rate - 1.673500 74871635271262357715996 Foreign Currency - EUR 9.00 Exchange rate - 1.674444 74297655273538938082853 Foreign Currency - EUR 101.00 Exchange rate - 1.678118 24064665274100008615486 Foreign Currency - USD 9.99 Exchange rate - 1.429429 74040735277920003033449 24000775278100027570340 Foreign Currency - USD 3.99 Exchange rate - 1.431077 RBC ROYAL BANK CREDIT CARD PAYMENT CENTRE P.O. BOX 4016, STATION “A” TORONTO, ONTARIO M5W 2E6 NEW BALANCE $12,775.56 IMPORTANT INFORMATION 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 $638.00 NOV 14, 2025 $25,000.00 $12,224.44 20.99% 21.99% CALCULATING YOUR BALANCE Previous Account Balance Payments & credits Purchases & debits Cash advances Interest Fees Total Account Balance -$16,000.00 $11,714.62 $0.00 $383.65 $0.00 NEW BALANCE MINIMUM PAYMENT $638.00 50,973 14,644 65,617 PAYMENT DUE DATE NOV 14, 2025 $16,677.29 $12,775.56 $12,775.56 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 SEP 20 TO OCT 20, 2025 2 OF 6 Thank you for choosing RBC Royal Bank BILL SYRROS 4646 92** **** 6846 - PRIMARY (continued) TRANSACTION POSTING DATE DATE ACTIVITY DESCRIPTION AMOUNT ($) OCT 06 OCT 06 PRIMEVIDEO.C*NF5MV04Y0 WWW.AMAZON.CABC $5.74 OCT 06 OCT 07 EXPEDIA 72066921342982 EXPEDIA.CA ON $223.88 OCT 07 OCT 08 AUTO BENUSSI PULA APT PULA $594.84 OCT 08 OCT 09 EXPEDIA 72066980640913 EXPEDIA.CA ON $261.58 OCT 09 OCT 09 DISNEY PLUS BURBANK CA $18.39 OCT 09 OCT 14 ELECTRIFY CANADA AJAX ON $7.00 OCT 10 OCT 10 TESLA TORONTO ON $16.90 OCT 12 OCT 14 OPENAI *CHATGPT SUBSCR OPENAI.COM CA $330.84 OCT 12 OCT 14 PRIMEVIDEO.C*NM6DS6AV0 WWW.AMAZON.CABC OCT 14 OCT 15 HILTON T4 OXBO BAR HOUNSLOW $153.61 OCT 14 OCT 15 UKVI ETAMOB00000797730 WWW.GOV.UK/BR $32.22 OCT 15 OCT 16 OPENAI *CHATGPT SUBSCR OPENAI.COM CA $33.19 OCT 15 OCT 16 AD FREE FOR PRIMEVIDEO PRIME VIDEO BC $3.44 OCT 15 OCT 16 UBER CANADA/UBERTRIP TORONTO ON $61.61 OCT 15 OCT 16 HEATHROW RAIL LINK LONDON $115.36 OCT 15 OCT 16 LHR T2B WDF SATELITE TERMINAL 2 OF $29.70 OCT 15 OCT 16 FCB PADDINGTON LOUNGE LONDON $13.84 OCT 15 OCT 16 FCB PADDINGTON LOUNGE LONDON $11.92 OCT 15 OCT 17 TFL TRAVEL CH TFL.GOV.UK/CP $11.20 OCT 16 OCT 20 GOOGLE*GOOGLE ONE G.CO/HELPPAY#NS $3.21 OCT 20 OCT 20 TIDAL MALMO $14.49 OCT 20 OCT 20 PAYMENT - THANK YOU / PAIEMENT - MERCI -$9,000.00 OCT 20 OCT 20 $383.65 -$12,617.61 74537885279104043809024 74537885279104701995602 74920065281980000125029 Foreign Currency - EUR 354.10 Exchange rate - 1.679864 74099865281000023527081 24793385282000106004067 74500015283656674414219 74099865282000103098085 24492165285100008087066 Foreign Currency - USD 229.95 Exchange rate - 1.438747 $5.74 74537885285100692237147 74875305287002211520077 Foreign Currency - GBP 79.99 Exchange rate - 1.920365 74007035288920007084227 Foreign Currency - USD 22.39 Exchange rate - 1.439035 24492165288100073960442 Foreign Currency - USD 23.00 Exchange rate - 1.443043 74537885288102945659082 74064495288820166818884 74163615289775694389760 Foreign Currency - GBP 60.00 Exchange rate - 1.922666 74463655288552895648870 Foreign Currency - GBP 15.45 Exchange rate - 1.922330 74463655288572899357237 Foreign Currency - GBP 7.20 Exchange rate - 1.922222 74463655288572899357757 Foreign Currency - GBP 6.20 Exchange rate - 1.922580 74163615289775733732939 Foreign Currency - GBP 5.80 Exchange rate - 1.931034 74040735291920007029155 74987505293000202028219 74510105293619984154102 PURCHASE INTEREST 20.99% SUBTOTAL OF MONTHLY ACTIVITY RBC® Avion® Visa Infinite Privilege‡ for Private Banking BILL SYRROS 4646 92** **** 6846 SHELLEY FRASER SYRROS 4646 92** **** 2725 STATEMENT FROM SEP 20 TO OCT 20, 2025 3 OF 6 SHELLEY FRASER SYRROS 4646 92** **** 2725 - CO-APPLICANT TRANSACTION POSTING DATE DATE ACTIVITY DESCRIPTION AMOUNT ($) SEP 17 SEP 22 PAYPAL *SAMUELBHANS 4029357733 ON SEP 18 SEP 22 MAIFENG9X7U 15889749072 SEP 22 SEP 24 1:1 SALON CHELSEA QC $348.94 SEP 22 SEP 24 FAMILLE CHARLES IGA CHELSEA QC $39.12 SEP 22 SEP 23 SP HYPERFORME.COM GATINEAU QC $120.49 SEP 22 SEP 23 BOITE A GRAINS GATINEAU QC $172.38 SEP 23 SEP 24 ISTOCK.COM TORONTO ON $45.99 SEP 23 SEP 24 3975 YOW NO BOUNDARIES OTTAWA ON $25.99 SEP 23 SEP 25 GOOGLE*GOOGLE ONE G.CO/HELPPAY#NS $4.59 SEP 24 SEP 25 ASPIT VENEZIA - BELLUNO $14.42 SEP 24 SEP 25 FARMACIA AURONZO DI CA $50.29 SEP 25 SEP 26 TOMMASINI AURONZO DI CA $167.71 SEP 26 SEP 29 APPLE.COM/BILL 866-712-7753 ON $17.23 SEP 26 SEP 29 APPLE.COM/BILL 866-712-7753 ON $12.64 SEP 26 SEP 29 AMAZON.CA PRIME MEMBER AMAZON.CA/PRIBC $11.49 SEP 27 SEP 29 BREAKOUT SPORT BADIA $376.71 SEP 27 SEP 29 BOLZANO SUD BOLZANO $1.16 SEP 28 SEP 29 THERME MERAN AG MERANO $50.25 SEP 28 SEP 29 THERME MERAN AG MERANO $20.10 SEP 29 SEP 29 GENEVIEVE MUNRO YOGA CHELSEA QC $67.60 SEP 29 OCT 01 GRIFF I SRL RIVA DEL GARD $65.66 SEP 29 OCT 01 MASO DELLO SPECK RIVA DEL GARD $21.28 SEP 29 OCT 01 LA SAPONERIA RIVA DEL GARD $24.11 SEP 30 OCT 01 HOTEL SOLE RIVA DEL GARD $10.06 74897265262537801773395 74423425262537805082564 74529005265920361196707 74529005265920308112205 74083425266100015920334 74500015265380631654757 24080445266129051241723 74099865266000018295057 74040735268920008026639 74609495268035547996913 Foreign Currency - EUR 8.60 Exchange rate - 1.676744 74344955267313914860366 Foreign Currency - EUR 30.00 Exchange rate - 1.676333 74344955268314011830889 Foreign Currency - EUR 100.00 Exchange rate - 1.677100 74537885269104832462516 74537885269104842317627 $143.61 $6.99 74537885269105171425634 74810625270018791766318 Foreign Currency - EUR 224.90 Exchange rate - 1.675011 74609495271035909245789 Foreign Currency - EUR 0.70 Exchange rate - 1.657142 74871635271261134945991 Foreign Currency - EUR 30.00 Exchange rate - 1.675000 74871635271261134940992 Foreign Currency - EUR 12.00 Exchange rate - 1.675000 74083425272100043326829 74165905273061916209446 Foreign Currency - EUR 39.20 Exchange rate - 1.675000 74871635272275423661993 Foreign Currency - EUR 12.71 Exchange rate - 1.674272 74344955272314544947691 Foreign Currency - EUR 14.40 Exchange rate - 1.674305 74696965273033585148397 Foreign Currency - EUR 6.00 Exchange rate - 1.676666 RBC® Avion® Visa Infinite Privilege‡ for Private Banking BILL SYRROS 4646 92** **** 6846 SHELLEY FRASER SYRROS 4646 92** **** 2725 STATEMENT FROM SEP 20 TO OCT 20, 2025 4 OF 6 SHELLEY FRASER SYRROS 4646 92** **** 2725 - CO-APPLICANT (continued) TRANSACTION POSTING DATE DATE ACTIVITY DESCRIPTION AMOUNT ($) OCT 01 OCT 06 AVIS RENT-A-CAR E134005196 $203.73 OCT 01 OCT 03 DYMON -COV OTTAWA ON $251.54 OCT 01 OCT 02 GOOGLE *GSUITE_SEIWIND 855-222-8603 ON $38.87 OCT 01 OCT 02 SAAA4 ROVERETO SUD - TRIESTE $41.61 OCT 01 OCT 02 VINERIA DEL PONTE LJUBLJANA $60.74 OCT 01 OCT 02 DYMON STORAGE (BARRHAV NEPEAN ON $946.94 OCT 01 OCT 02 DYMON STORAGE (BARRHAV NEPEAN ON $22.60 OCT 02 OCT 03 BRAINTAP PROF SUBSCRIP BRAINTAP.COM NC $71.53 OCT 05 OCT 06 INNERSCIENCE RESEARCH INNERSCIENCERWA $38.38 OCT 06 OCT 07 APPLE.COM/BILL 866-712-7753 ON $14.94 OCT 08 OCT 09 AUTOCESTA A1 OGULIN-SV OGULIN $12.05 OCT 08 OCT 09 AUTOCESTA A1 ROVANJSKA KNIN $5.69 OCT 08 OCT 09 NP UCKA LUPOGLAV $17.41 OCT 09 OCT 10 BELL CANADA (OB) MONTREAL QC $113.83 OCT 09 OCT 10 OURARING OULU $8.95 OCT 11 OCT 14 AUTOCESTA A1 PRGOMET-P PLOCE $12.19 OCT 11 OCT 14 HOTEL VILLA HARMONY SPLIT $95.98 OCT 12 OCT 14 OPENAI *CHATGPT SUBSCR OPENAI.COM CA $33.09 OCT 12 OCT 14 ROBERTO STUDIO DUBROVNIK $50.13 OCT 13 OCT 14 AGI*BESTBUY.CA/PRO 866-237-8289 ON $19.54 OCT 14 OCT 15 BELL CANADA (OB) MONTREAL QC $151.77 OCT 14 OCT 15 DBV DFS CILIPI $173.52 OCT 14 OCT 15 UKVI ETAMOB00000797748 WWW.GOV.UK/BR $31.93 74163625276771972458173 Foreign Currency - EUR 121.17 Exchange rate - 1.681356 74500015275624446045463 74537885274109581079968 74609495275035102928054 Foreign Currency - EUR 24.80 Exchange rate - 1.677822 74290195274033624314649 Foreign Currency - EUR 36.20 Exchange rate - 1.677900 74500015274656619063213 74500015274656619065127 24011345276100021382131 Foreign Currency - USD 49.99 Exchange rate - 1.430886 24011345279100012833305 Foreign Currency - USD 26.80 Exchange rate - 1.432089 74537885279104385557090 74644495282586277600009 Foreign Currency - EUR 7.20 Exchange rate - 1.673611 74644495282586291970008 Foreign Currency - EUR 3.40 Exchange rate - 1.673529 74644495282586875210003 Foreign Currency - EUR 10.40 Exchange rate - 1.674038 74064495282820136023843 74143615283000134362090 74644495285635822300008 Foreign Currency - EUR 7.30 Exchange rate - 1.669863 74094755285980001448505 Foreign Currency - EUR 57.44 Exchange rate - 1.670961 24492165285100005097225 Foreign Currency - USD 23.00 Exchange rate - 1.438695 74644495286653698700002 Foreign Currency - EUR 30.00 Exchange rate - 1.671000 74537885286101522817032 74064495287820131647328 74785455287127775802025 Foreign Currency - EUR 104.00 Exchange rate - 1.668461 74007035288920004088221 Foreign Currency - USD 22.19 Exchange rate - 1.438936 RBC® Avion® Visa Infinite Privilege‡ for Private Banking BILL SYRROS 4646 92** **** 6846 SHELLEY FRASER SYRROS 4646 92** **** 2725 STATEMENT FROM SEP 20 TO OCT 20, 2025 5 OF 6 SHELLEY FRASER SYRROS 4646 92** **** 2725 - CO-APPLICANT (continued) TRANSACTION POSTING DATE DATE ACTIVITY DESCRIPTION AMOUNT ($) OCT 15 OCT 17 TFL TRAVEL CH TFL.GOV.UK/CP OCT 16 OCT 20 GOUTTIERES X TREME PLUS GATINEAU QC OCT 17 OCT 20 APPLE.COM/BILL TORONTO ON $4.59 OCT 17 OCT 20 LS BLUEBARN COFFEE ROA WAKEFIELD QC $47.65 OCT 17 OCT 20 FARM BOY #35 OTTAWA ON $312.52 OCT 17 OCT 20 PETSMART INC. 0914 GLOUCESTER ON $77.95 OCT 18 OCT 20 PITOU MINOU ET COMPAGNONSCHELSEA QC $95.82 OCT 18 OCT 20 WWW.VELO-URBAIN.CA MONTREAL QC $441.16 SUBTOTAL OF MONTHLY ACTIVITY $8,298.18 74163615289775733735973 Foreign Currency - GBP 5.80 Exchange rate - 1.931034 74729245290047557030018 74038715290541903987994 74099865290000053765212 74529005290920536109303 74450775292004045164908 74064495291820187525398 74083425291100057706616 $11.20 $3,071.52 JACKSON SYRROS 4646 92** **** 0131 - AUTHORIZED USER MONTHLY CARD LIMIT - $2,500.00 TRANSACTION POSTING DATE DATE ACTIVITY DESCRIPTION AMOUNT ($) SEP 20 SEP 22 VIDEOTRON LTEE #150 PPACCMONTREAL QC $86.23 SEP 23 SEP 24 NAUTILUS PLUS - SS SAINT-HUBERT QC $27.31 OCT 07 OCT 08 NAUTILUS PLUS - SS SAINT-HUBERT QC $27.31 OCT 10 OCT 14 J.E. MONDOU LTEE MONTREAL QC $77.67 OCT 12 OCT 14 UBERDIRECTCA_PASS TORONTO ON $11.49 OCT 12 OCT 14 ADOBE INC SAN JOSE CA $22.98 OCT 16 OCT 20 UBER CANADA/UBERTRIP TORONTO ON $9.12 OCT 16 OCT 17 LEPOINTDEVENTE.COM QUEBEC CITY QC $5.29 OCT 16 OCT 17 CLUB SODA MONTREAL QC $144.56 OCT 19 OCT 20 PRIMEVIDEO.C*NU8AC7AU0 WWW.AMAZON.CABC $5.74 74064495264820127667279 74064495266820136804846 74064495280820138623105 74064495283820189182792 74099865284000086179025 24793385285000709772026 74064495290820155682818 74083425290100003794774 74500015289838455494610 74537885292106343845064 SUBTOTAL OF MONTHLY ACTIVITY TOTAL ACCOUNT BALANCE $417.70 $12,775.56 RBC® Avion® Visa Infinite Privilege‡ for Private Banking BILL SYRROS 4646 92** **** 6846 SHELLEY FRASER SYRROS 4646 92** **** 2725 STATEMENT FROM SEP 20 TO OCT 20, 2025 6 OF 6 Time to Pay If you make only the Minimum Payment each month, we estimate it will take 12 year(s) and 9 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. Stay safe from fraud & scams The first rule of cybersecurity: if something sounds too good to be true, it probably is. Remember, RBC, will NEVER ask you to: • Provide your username, login ID, PIN, password or one-time code through phone, text, email or voicemail • Make a transaction in order to ‘secure your account’ • Share a link or reference number from an Interac‡ e-Transfer transaction • Demand payment using gift cards, prepaid credit cards, cryptocurrency or wire transfer Always ensure you are contacting RBC directly through our official channels to confirm the legitimacy of any communication. If you believe you’ve been impacted by a scam or fraud, please call the number on the back of your RBC client card or credit card or visit www.rbcroyalbank.com for more ways to contact us. Learn more about staying safe from fraud & scams visit www.rbc.com/cyber. ‡ All other trademarks are the property of their respective owner(s). INTEREST RATE CHART Description Rate (%) Remaining Balance** Purchases & Fees 20.99 $12,391.91 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). ®/™