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 OCT 21 TO NOV 19, 2025 PREVIOUS ACCOUNT BALANCE 1 OF 7 $12,775.56 IMPORTANT INFORMATION AVION POINTS BILL SYRROS 4646 92** **** 6846 - PRIMARY TRANSACTION POSTING DATE DATE ACTIVITY DESCRIPTION AMOUNT ($) Previous Points balance Points earned this statement New points balance CONTACT US 65,617 29,077 94,694 OCT 20 OCT 21 BET 365 BET365.COM $100.00 OCT 21 OCT 21 TESLA TORONTO ON $16.09 OCT 21 OCT 21 CASH ADVANCE FEE $5.00 OCT 21 OCT 23 PIZZA PIZZA #219 HULL QC $10.93 OCT 21 OCT 22 CHELSEA SMOKEHOUSE CHELSEA QC $31.71 OCT 21 OCT 22 PAYBYPHONE CITY OF OTT VANCOUVER BC $8.30 OCT 22 OCT 23 IMPARK00110193U OTTAWA ON $23.00 Minimum payment Payment due date Credit limit Available credit Annual interest rates: Purchases Cash advances OCT 23 OCT 24 BELL MOBILITY VERDUN QC $505.34 CALCULATING YOUR BALANCE OCT 23 OCT 24 PAYBYPHONE CITY OF OTT VANCOUVER BC $4.30 OCT 23 OCT 24 PAYBYPHONE CITY OF OTT VANCOUVER BC $2.30 OCT 24 OCT 27 PAYBYPHONE CITY OF OTT VANCOUVER BC $3.30 OCT 24 OCT 27 PAYBYPHONE CITY OF OTT VANCOUVER BC $1.80 OCT 24 OCT 24 D J*WSJ 800-568-7625 NJ $14.91 OCT 25 OCT 27 AMAZON CHANNELS AMAZON.CA BC $12.64 OCT 26 OCT 27 TESLA TORONTO ON $17.28 OCT 28 OCT 29 WWW.DAZN.COM DAZN.COM $287.43 OCT 28 OCT 29 UBER CANADA/UBERTRIP TORONTO ON $45.34 OCT 29 OCT 29 UBER *TRIP HELP.UBER.COM TORONTO ON $10.79 74043635294920039001897 74099865294000900444066 74043635294920039001897 74703415295109221609744 74064495294820179115544 74500015294656651447577 74064495295820182523857 74064495296820135297400 74500015296656648185965 74500015296656648193878 74500015297656601906596 74500015297656601910382 24456755297100865708570 74537885298101777568534 74099865299000401865087 74875305301000312668086 74064495301820150471255 74099865302000005983216 RBC ROYAL BANK CREDIT CARD PAYMENT CENTRE P.O. BOX 4016, STATION “A” TORONTO, ONTARIO M5W 2E6 NEW BALANCE $20,050.37 Customer Service / Lost & Stolen Collect Outside North America Rewards Website 1-888-769-2585 (416) 974-5944 avionrewards.com PAYMENTS & INTEREST RATES Previous Account Balance Payments & credits Purchases & debits Cash advances Interest Fees Total Account Balance $1,002.00 DEC 10, 2025 $25,000.00 $4,949.63 20.99% 21.99% -$16,933.61 $23,826.15 $350.00 $7.27 $25.00 NEW BALANCE MINIMUM PAYMENT $1,002.00 PAYMENT DUE DATE DEC 10, 2025 $12,775.56 $20,050.37 $20,050.37 AMOUNT PAID $ RBC® Avion® Visa Infinite Privilege‡ for Private Banking 4646 92** **** 6846 / 4646 92** **** 2725 BILL SYRROS SHELLEY FRASER SYRROS 25 CHEMIN SUMAC CHELSEA QC J9B 1V4 Quick, convenient and secure ways to pay your credit card bill: · RBC Online Banking at www.rbcroyalbank.com/online · RBC Mobile app – text “RBC” to 722722 to download Other payment options include: · RBC Royal Bank ATM · Telephone Banking 1-800-769-2511 · Visit an RBC Royal Bank branch RBC® Avion® Visa Infinite Privilege‡ for Private Banking BILL SYRROS 4646 92** **** 6846 SHELLEY FRASER SYRROS 4646 92** **** 2725 STATEMENT FROM OCT 21 TO NOV 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 ($) OCT 30 OCT 31 BRAVE.COM BRAVE.COM CA $14.29 OCT 30 OCT 31 UBER CANADA/UBERTRIP TORONTO ON $8.59 OCT 31 NOV 03 NBX*CULLIGAN WATER CAN 866-2991914 ON NOV 01 NOV 03 BET 365 BET365.COM NOV 02 NOV 03 PAYMENT - THANK YOU / PAIEMENT - MERCI NOV 03 NOV 03 CASH ADVANCE FEE $5.00 NOV 03 NOV 04 GOOGLE *TUNEIN RADIO M G.CO/HELPPAY#NS $14.21 NOV 03 NOV 04 UBER CANADA/UBERTRIP TORONTO ON $16.55 NOV 04 NOV 05 PLAYLISTAI PLAYLISTAI.APAZ $5.77 NOV 09 NOV 10 DISNEY PLUS BURBANK CA $19.54 NOV 09 NOV 10 BET 365 BET365.COM $50.00 NOV 09 NOV 12 ELECTRIFY CANADA AJAX ON $7.00 NOV 10 NOV 10 CASH ADVANCE FEE $5.00 NOV 10 NOV 13 MORGANTE MENSWEAR OTTAWA ON NOV 10 NOV 12 PAYBYPHONE CITY OF OTT VANCOUVER BC $2.30 NOV 10 NOV 12 PAYBYPHONE CITY OF OTT VANCOUVER BC $4.30 NOV 12 NOV 12 OPENAI *CHATGPT SUBSCR OPENAI.COM CA $331.01 NOV 14 NOV 17 WWW.ARTLIST.IO WILMINGTON DE $29.99 NOV 14 NOV 14 PAYMENT - THANK YOU / PAIEMENT - MERCI NOV 15 NOV 17 AD FREE FOR PRIMEVIDEO PRIME VIDEO BC $3.44 NOV 15 NOV 17 OPENAI *CHATGPT SUBSCR OPENAI.COM CA $33.11 NOV 15 NOV 17 BET 365 BET365.COM $50.00 NOV 17 NOV 17 CASH ADVANCE FEE $5.00 NOV 17 NOV 18 GOOGLE *GOOGLE ONE G.CO/HELPPAY#NS $3.21 NOV 18 NOV 18 BET 365 BET365.COM $50.00 NOV 18 NOV 18 CASH ADVANCE FEE $5.00 NOV 19 NOV 19 TIDAL MALMO $16.66 NOV 19 NOV 19 CASH ADVANCE INTEREST 21.99% $2.59 24064665304100002414492 Foreign Currency - USD 9.99 Exchange rate - 1.430430 74064495303820149007655 74769805304900011331321 74043635306920034006582 74510105307619982446108 74043635306920034006582 74537885307100804658341 74064495307820152038197 24000775309100009197891 Foreign Currency - USD 3.99 Exchange rate - 1.446115 24793385313000405639061 74043635314920009024131 74500015314656648643912 74043635314920009024131 74529005315920120390807 74500015314656667264566 74500015314656667267643 24492165316100013887503 Foreign Currency - USD 229.95 Exchange rate - 1.439486 24793385318000508923029 74510105318619984800101 74537885319108725566556 24492165319100040153207 Foreign Currency - USD 23.00 Exchange rate - 1.439565 74043635320920037009288 74043635320920037009288 74537885321100690382099 74043635322920034008968 74043635322920034008968 74987505323000801786088 $1,233.62 $100.00 -$4,000.00 $2,988.85 -$10,000.00 RBC® Avion® Visa Infinite Privilege‡ for Private Banking BILL SYRROS 4646 92** **** 6846 SHELLEY FRASER SYRROS 4646 92** **** 2725 STATEMENT FROM OCT 21 TO NOV 19, 2025 3 OF 7 BILL SYRROS 4646 92** **** 6846 - PRIMARY (continued) TRANSACTION POSTING DATE DATE NOV 19 ACTIVITY DESCRIPTION NOV 19 PURCHASE INTEREST 20.99% SUBTOTAL OF MONTHLY ACTIVITY AMOUNT ($) $4.68 -$7,889.83 SHELLEY FRASER SYRROS 4646 92** **** 2725 - CO-APPLICANT TRANSACTION POSTING DATE DATE ACTIVITY DESCRIPTION AMOUNT ($) OCT 19 OCT 21 WWW.VELO-URBAIN.CA MONTREAL QC -$441.16 OCT 20 OCT 21 GOOD RIDDINS GATINEAU QC $546.13 OCT 20 OCT 22 FAMILLE CHARLES IGA CHELSEA QC $97.55 OCT 21 OCT 22 KLIMAT 819-459-1544 QC $28.74 OCT 23 OCT 27 PAYPAL *SAMUELBHANS 4029357733 ON $145.92 OCT 23 OCT 27 GOOGLE*GOOGLE ONE G.CO/HELPPAY#NS $4.59 OCT 23 OCT 24 ISTOCK.COM TORONTO ON $45.99 OCT 23 OCT 24 MARCHE CHELSEA 21315 CHELSEA QC $35.53 OCT 24 OCT 27 DYMON STORAGE-WALKLEY OTTAWA ON $119.62 OCT 24 OCT 27 THE WOODSOURCE INC MANOTICK ON $345.50 OCT 25 OCT 27 LS BLUEBARN COFFEE ROA WAKEFIELD QC $16.44 OCT 26 OCT 27 PIPOLINKA WAKEFIELD QC $9.50 OCT 26 OCT 27 APPLE.COM/BILL 866-712-7753 ON $12.64 OCT 26 OCT 27 AMAZON.CA PRIME MEMBER AMAZON.CA/PRIBC $11.49 OCT 26 OCT 27 APPLE.COM/BILL TORONTO ON $17.23 OCT 26 OCT 27 SP LA CONFISERIE WAK WAKEFIELD QC $48.44 OCT 26 OCT 27 WAKEFIELD GENERAL STOR WAKEFIELD QC $70.48 OCT 27 OCT 29 PRESTON HARDWARE OTTAWA ON $936.37 OCT 27 OCT 29 PRESTON HARDWARE OTTAWA ON $47.41 OCT 27 OCT 28 CANADIAN TIRE #174 OTTAWA ON $10.71 OCT 28 OCT 29 CPC / SCP 100323 OTTAWA ON $150.21 OCT 28 OCT 29 FEDEX269508460 T1800 4633339ON $34.25 OCT 28 OCT 29 DYMON STORAGE-COV OTTAWA ON $4.55 OCT 28 OCT 29 CANADIAN TIRE #174 OTTAWA ON $136.68 OCT 29 OCT 30 CLINIQUE VETERINAIRE WAKEWAKEFIELD QC $643.04 74083425293100076651015 74872715294122941416893 74529005293920301454402 74514205294004016469781 74897265297542075209570 74040735298920000044451 24080445296142487531769 74500015296380613149605 74500015297656696308047 74514205299004044225085 74099865298001011323211 74064495299820172038391 74537885299103211092278 74537885299103462589337 74038715299542177245771 74083425300100001857696 74500015299380677073151 74514205301004041346567 74514205301004041346625 74064495301820104785305 74064495301820175475406 74831495301542494579963 74500015301656685687140 74064495302820104937640 74064495302820181097664 RBC® Avion® Visa Infinite Privilege‡ for Private Banking BILL SYRROS 4646 92** **** 6846 SHELLEY FRASER SYRROS 4646 92** **** 2725 STATEMENT FROM OCT 21 TO NOV 19, 2025 4 OF 7 SHELLEY FRASER SYRROS 4646 92** **** 2725 - CO-APPLICANT (continued) TRANSACTION POSTING DATE DATE ACTIVITY DESCRIPTION AMOUNT ($) OCT 29 OCT 30 PITOU MINOU ET COMPAGNONSCHELSEA QC $213.88 OCT 29 OCT 30 SEPHORA.CA SEPHORA.CA ON $151.77 OCT 29 OCT 30 UBER CANADA/UBERTRIP TORONTO ON $17.98 OCT 29 OCT 30 NBX*CHELSEA NORDIQ 819-5934083 QC $200.00 OCT 29 OCT 31 FAMILLE CHARLES IGA CHELSEA QC $183.39 OCT 29 OCT 29 GENEVIEVE MUNRO YOGA CHELSEA QC $67.60 OCT 30 NOV 03 1:1 SALON CHELSEA QC $233.96 OCT 30 OCT 31 KLIMAT WAKEFIELD QC $25.30 OCT 31 NOV 03 HAPPY GOAT COFFEE OTTAWA ON $10.38 OCT 31 NOV 03 KITCHENALIA OTTAWA ON $311.20 OCT 31 NOV 03 JREK CARLING OTTAWA ON $73.45 OCT 31 NOV 03 KLIMAT 819-459-1544 QC $40.24 OCT 31 NOV 03 UNLMTED W/DR JOE DISPENZA360-446-3152 WA $97.46 NOV 01 NOV 03 GOOGLE *GSUITE_SEIWIND 855-222-8603 ON $38.87 NOV 01 NOV 03 PIPOLINKA WAKEFIELD QC $46.40 NOV 01 NOV 03 CANADIAN TIRE STORE #176 GATINEAU QC $147.00 NOV 01 NOV 03 DYMON STORAGE (BARRHAV NEPEAN ON $22.60 NOV 01 NOV 03 DYMON STORAGE (BARRHAV NEPEAN ON $946.94 NOV 01 NOV 03 DYMON STORAGE (TRAINYA OTTAWA ON $251.54 NOV 02 NOV 03 BRAINTAP PROF SUBSCRIP BRAINTAP.COM NC $71.93 NOV 03 NOV 05 STARBUCKS 84663 OTTAWA ON $16.78 NOV 03 NOV 05 CANADIAN TIRE STORE #176 GATINEAU QC $81.60 NOV 03 NOV 04 BOYD MOVING & STORAGE LTDOTTAWA ON $197.75 NOV 03 NOV 04 JREK CARLING OTTAWA ON $293.80 NOV 03 NOV 04 GOLDWING AUTO CARE INC NEPEAN ON $500.00 NOV 03 NOV 04 CANADIAN TIRE STORE #176 GATINEAU QC -$41.35 NOV 04 NOV 05 PALMIER CHELSEA QC $27.62 NOV 05 NOV 10 AIR CAN* 0142312732969AIRCANADA.COMMB -$82.11 74064495302820181817830 74537885302106336894382 74064495302820152230708 74769805302900011728718 74529005302920329243307 74083425302100005804122 74529005303920412398801 74514205303004021213108 74064495304820192210635 74703415304108241315117 74083425305100003987744 74514205304004020243444 24829135305001719374855 Foreign Currency - USD 67.84 Exchange rate - 1.436615 74537885305108776892832 74064495305820186937861 74064495306820106355573 74500015306656634258782 74500015306656634260465 74500015306656633452238 24011345307100022694198 Foreign Currency - USD 49.99 Exchange rate - 1.438887 74872715308263081399509 74064495308820105840474 74064495307820173317760 74083425308100001194183 74872715307163078128732 74064495308820105839435 74514205308004015163983 74537885311101386432075 RBC® Avion® Visa Infinite Privilege‡ for Private Banking BILL SYRROS 4646 92** **** 6846 SHELLEY FRASER SYRROS 4646 92** **** 2725 STATEMENT FROM OCT 21 TO NOV 19, 2025 5 OF 7 SHELLEY FRASER SYRROS 4646 92** **** 2725 - CO-APPLICANT (continued) TRANSACTION POSTING DATE DATE ACTIVITY DESCRIPTION AMOUNT ($) NOV 05 NOV 06 APPLE.COM/BILL 866-712-7753 ON $123.01 NOV 05 NOV 06 MARCHE CHELSEA 21315 CHELSEA QC $99.27 NOV 05 NOV 06 CHRIS WEEKS SNOW REMOVAL 819-3343141 QC $3,219.30 NOV 05 NOV 07 AIR CAN* 0142312732969AIRCANADA.COMMB $231.93 NOV 06 NOV 10 AIR CAN* 0142312608254AIRCANADA.COMMB $427.89 NOV 06 NOV 10 BISCOTTI ET CIE CHELSEA QC $10.31 NOV 06 NOV 06 INNERSCIENCE RESEARCH INNERSCIENCERWA $38.84 NOV 06 NOV 07 APPLE.COM/BILL 866-712-7753 ON $14.94 NOV 06 NOV 07 PALMIER CHELSEA QC $12.36 NOV 07 NOV 10 BELL CANADA (OB) MONTREAL QC $113.83 NOV 09 NOV 10 PITOU MINOU ET COMPAGNONSCHELSEA QC $143.71 NOV 09 NOV 10 LINKEDINPRED *34640753 MOUNTAIN VIEWCA $689.71 NOV 09 NOV 10 SP JUST THE TEA LUSKVILLE QC $27.00 NOV 09 NOV 10 FONDATION DE SANTÉ DES COWAKEFIELD QC $20.00 NOV 09 NOV 10 SQ *WOODEN THINGS AND ME WAKEFIELD QC $25.00 NOV 09 NOV 10 SQ *MELO AMBIANCE BOTANIQWAKEFIELD QC $75.00 NOV 09 NOV 10 SQ *HORSESHOE BAY WOODTURWAKEFIELD QC $85.00 NOV 09 NOV 10 SQ *WAKEFIELD APPAREL WAKEFIELD QC $195.46 NOV 09 NOV 10 SQ *SOPHIEDUFRESNEGUINDONWAKEFIELD QC $37.94 NOV 09 NOV 10 OURARING OULU $8.95 NOV 10 NOV 12 RIVIAN CONNECT+ VANCOUVER BC $199.99 NOV 11 NOV 12 LA TRAPPE A FROMAGE CHELSEA QC $19.51 NOV 12 NOV 12 OPENAI *CHATGPT SUBSCR OPENAI.COM CA $33.10 NOV 13 NOV 17 FARM BOY #35 OTTAWA ON $276.64 NOV 13 NOV 17 STARBUCKS 04788 OTTAWA ON $12.23 NOV 13 NOV 14 AGI*BESTBUY.CA/PRO 866-237-8289 ON $19.54 NOV 13 NOV 14 CANADIAN TIRE #174 OTTAWA ON $52.76 NOV 14 NOV 17 MARCHE CHELSEA 21315 CHELSEA QC $71.53 NOV 14 NOV 17 FORET BOTANIQUE INC WAKEFIELD QC $118.25 74537885309102334295550 74500015309380682352671 74729245309048730707414 74537885310100443532738 74537885311101385717237 74116775311688942301184 24011345310100037085536 Foreign Currency - USD 26.80 Exchange rate - 1.449253 74537885310100280771217 74514205310004020304669 74064495311820135847148 74064495313820174915754 24793385313001932977222 74083425314100001936403 74064495313820167577199 74293475313000463952058 74293475313000467301732 74293475313000467822364 74293475313000469075995 74293475313000469983073 74143615314000177441408 74083425314100073712666 74514205315004003720878 24492165316100010249020 Foreign Currency - USD 23.00 Exchange rate - 1.439130 74529005317920473130204 74703415318107596450838 74537885317107202417608 74064495318820105156937 74500015318380625826806 74872715318263188522696 RBC® Avion® Visa Infinite Privilege‡ for Private Banking BILL SYRROS 4646 92** **** 6846 SHELLEY FRASER SYRROS 4646 92** **** 2725 STATEMENT FROM OCT 21 TO NOV 19, 2025 6 OF 7 SHELLEY FRASER SYRROS 4646 92** **** 2725 - CO-APPLICANT (continued) TRANSACTION POSTING DATE DATE ACTIVITY DESCRIPTION AMOUNT ($) NOV 14 NOV 17 PIPOLINKA WAKEFIELD QC $31.40 NOV 15 NOV 17 CHELSEA SMOKEHOUSE CHELSEA QC $191.02 NOV 15 NOV 17 SP COLDTURE RICHMOND HILLON $458.75 NOV 15 NOV 17 RITUAL* 6MJNC9-0001 RITUAL.COM CA $104.88 NOV 15 NOV 17 CHRIS WEEKS SNOW REMOVAL 819-3343141 QC $316.18 NOV 16 NOV 17 BRULERIE ALADDIN ROASTER GATINEAU QC $12.54 NOV 16 NOV 17 BRULERIE ALADDIN ROASTER GATINEAU QC $3.59 NOV 16 NOV 17 U-HAUL MOVING & STORAG OTTAWA ON $30.17 NOV 17 NOV 18 APPLE.COM/BILL TORONTO ON $4.59 NOV 17 NOV 18 GOLDWING AUTO CARE INC NEPEAN ON NOV 17 NOV 18 PIONEER STN #155 OTTAWA ON $20.06 NOV 17 NOV 18 U-HAUL MOVING & STORAG OTTAWA ON $100.78 NOV 19 NOV 19 SP JUST THRIVE-60068 JUSTTHRIVEHEAIL $276.00 NOV 19 NOV 19 PAYMENT - THANK YOU / PAIEMENT - MERCI -$2,368.99 SUBTOTAL OF MONTHLY ACTIVITY $14,740.69 74064495318820180393132 74064495319820188579376 74083425320100000253620 24064665319100015724781 74729245320049287026716 74450775320004001436940 74450775320004001436965 74703415321100215792370 74038715321545836215830 74872715321163218806157 74500015321461686916630 74703415322101104500071 24492165323100001846819 74510105323619989941101 $1,932.89 JACKSON SYRROS 4646 92** **** 0131 - AUTHORIZED USER MONTHLY CARD LIMIT - $2,500.00 TRANSACTION POSTING DATE DATE ACTIVITY DESCRIPTION AMOUNT ($) OCT 20 OCT 21 VIDEOTRON LTEE #150 PPACCMONTREAL QC $86.23 OCT 21 OCT 22 NAUTILUS PLUS - SS SAINT-HUBERT QC $27.31 OCT 25 OCT 27 UBER CANADA/UBERTRIP TORONTO ON $10.19 OCT 26 OCT 27 UBER CANADA/UBERTRIP TORONTO ON $15.59 NOV 01 NOV 03 UBER CANADA/UBERTRIP TORONTO ON $34.15 NOV 02 NOV 03 UBER CANADA/UBERTRIP TORONTO ON $14.95 NOV 04 NOV 05 NAUTILUS PLUS - SS SAINT-HUBERT QC $27.31 NOV 08 NOV 10 UBER CANADA/UBERTRIP TORONTO ON $12.04 NOV 10 NOV 10 PRIMEVIDEO.C*BT8CN5710 WWW.AMAZON.CABC $5.74 NOV 10 NOV 12 UBER CANADA/UBEREATS TORONTO ON $45.75 NOV 12 NOV 12 UBERDIRECTCA_PASS TORONTO ON $11.49 74064495294820114149418 74064495294820136142920 74064495298820151638816 74064495299820152303260 74064495305820164552864 74064495306820150771808 74064495308820135956456 74064495312820156573390 74537885314103758370393 74064495315820142712604 74099865315000070714020 RBC® Avion® Visa Infinite Privilege‡ for Private Banking BILL SYRROS 4646 92** **** 6846 SHELLEY FRASER SYRROS 4646 92** **** 2725 STATEMENT FROM OCT 21 TO NOV 19, 2025 7 OF 7 JACKSON SYRROS 4646 92** **** 0131 - AUTHORIZED USER (continued) MONTHLY CARD LIMIT - $2,500.00 TRANSACTION POSTING DATE DATE ACTIVITY DESCRIPTION AMOUNT ($) NOV 14 NOV 17 SQ *BRIDGEHEAD COFFEE PREOTTAWA ON $65.79 NOV 15 NOV 17 MARCHE CHELSEA 21315 CHELSEA QC $23.96 NOV 16 NOV 18 UBER CANADA/UBERTRIP TORONTO ON $16.14 NOV 18 NOV 19 NAUTILUS PLUS - SS SAINT-HUBERT QC $27.31 74293475318000882416615 74500015319380678917949 74064495321820149401559 74064495322820136334564 SUBTOTAL OF MONTHLY ACTIVITY TOTAL ACCOUNT BALANCE $423.95 $20,050.37 Time to Pay If you make only the Minimum Payment each month, we estimate it will take 13 year(s) and 10 month(s) to fully repay the outstanding balance. Our estimate is based on the Total Account Balance shown on this statement and your current credit card account terms. This estimate is intended solely to illustrate how making only the Minimum Payment will increase the time it takes to pay your balance and is not a recommended long term repayment plan. Your account is currently set up on an Auto Pay plan Based on the option you previously selected, the Minimum Payment amount as shown on this statement will be posted to your account on the Payment Due Date. If you have made any additional payments prior to the Auto Pay, we will reduce the Auto Pay amount by those additional payments posted. Please contact us if you have any questions at 1-888 ROYAL® 8-5. INTEREST RATE CHART Description Rate (%) Remaining Balance** Purchases & Fees 20.99 $20,043.10 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). ®/™