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 NOV 20 TO DEC 19, 2025

PREVIOUS ACCOUNT BALANCE

1 OF 8

$20,050.37

AVION POINTS

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

ACTIVITY DESCRIPTION

AMOUNT ($)

NOV 20

NOV 21 PAYBYPHONE CITY OF OTT VANCOUVER BC

NOV 21

NOV 24 BELL MOBILITY VERDUN QC

$503.74

NOV 21

NOV 21 TESLA TORONTO ON

$16.09

NOV 22

NOV 24 AMAZON.CA*B06HI0RA1 866-216-1072 ON

$227.64

NOV 24

NOV 24 D J*WSJ 800-568-7625 NJ

$14.91

NOV 24

NOV 25 TESLA TORONTO ON

$132.22

NOV 24

NOV 24 PAYMENT - THANK YOU / PAIEMENT - MERCI

NOV 25

NOV 26 AMAZON.CA*B20TI3652 866-216-1072 ON

$108.70

NOV 26

NOV 27 TESLA TORONTO ON

$11.06

NOV 27

NOV 28 BET 365 BET365.COM

$50.00

NOV 28

NOV 28 CASH ADVANCE FEE

$5.00

NOV 29

DEC 01

GOOGLE *GOOGLE ONE G.CO/HELPPAY#NS

-$1.92

NOV 30

DEC 01

BRAVE.COM BRAVE.COM CA

$14.39

DEC 01
DEC 01
DEC 01
DEC 03

DEC 01
DEC 01
DEC 01
DEC 04

ANNUAL FEE
ANNUAL FEE
ANNUAL FEE
GOOGLE *TUNEIN RADIO M G.CO/HELPPAY#NS

$279.00
$49.00
$99.00
$14.21

DEC 03

DEC 03

UBER *TRIP HELP.UBER.COM TORONTO ON

$32.04

74500015324656661438511
74064495325820137744198
74099865325000800226061
74537885326105168990914
24456755328106854301049
74099865328001800180032

74510105328619985343109
74537885329108594751188
74099865330000502023082
74043635332920034008917
74043635332920034008917
74537885333101963274183

24064665335100003541189
Foreign Currency - USD 9.99 Exchange rate - 1.440440

74537885337106233107481
74099865337000113030073

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

NEW BALANCE

$17,394.54

IMPORTANT INFORMATION

$3.30

-$10,000.00

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

$869.00
JAN 9, 2026
$25,000.00
$7,605.46
20.99%
21.99%

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

-$46,984.56
$43,791.37
$100.00
$0.36
$437.00

NEW BALANCE

MINIMUM PAYMENT

$869.00

94,694
54,415
149,109

PAYMENT DUE DATE

JAN 9, 2026

$20,050.37

$17,394.54

$17,394.54

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 NOV 20 TO DEC 19, 2025

2 OF 8

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

ACTIVITY DESCRIPTION

AMOUNT ($)

DEC 04

DEC 05

PLAYLISTAI PLAYLISTAI.APAZ

$5.71

DEC 05

DEC 05

TESLA TORONTO ON

$8.69

DEC 05

DEC 05

TESLA TORONTO ON

$16.29

DEC 06

DEC 08

TESLA TORONTO ON

$14.82

DEC 08

DEC 12

HAMPTON INNS TORONTO ON

$536.72

DEC 09

DEC 11

ELECTRIFY CANADA AJAX ON

$7.00

DEC 09

DEC 09

DISNEY PLUS BURBANK CA

$19.54

DEC 10

DEC 11

SQ *JOEY KING ST TORONTO ON

$228.01

DEC 12

DEC 12

OPENAI *CHATGPT SUBSCR OPENAI.COM CA

$325.87

DEC 13

DEC 15

ARTLIST 502-0165380 DE

$29.99

DEC 14

DEC 15

AMZN MKTP CA*Q24701EG3 866-216-1072 ON

$36.03

DEC 14

DEC 15

BET 365 BET365.COM

$50.00

DEC 15

DEC 15

CASH ADVANCE FEE

$5.00

DEC 15

DEC 16

OPENAI *CHATGPT SUBSCR OPENAI.COM CA

$32.52

DEC 15

DEC 16

AD FREE FOR PRIMEVIDEO PRIME VIDEO BC

$3.44

DEC 18

DEC 18

PADDLE.NET* VIDEOSOLO LONDON

$45.29

DEC 19

DEC 19

TIDAL MALMO

$16.66

DEC 19

DEC 19

CASH ADVANCE INTEREST 21.99%
SUBTOTAL OF MONTHLY ACTIVITY

24000775339100010087895
Foreign Currency - USD 3.99 Exchange rate - 1.431077
74099865338000802515086
74099865339000100285084
74099865340000500008083
74872715345263452975684
74500015344656686845720
24793385343000907018065
74293475344000609345988

24492165346100016648732
Foreign Currency - USD 229.95 Exchange rate - 1.417134
24793385347000713676029
74537885348107268769325
74043635349920003029812
74043635349920003029812

24492165349100061212241
Foreign Currency - USD 23.00 Exchange rate - 1.413913
74537885349108431158734
74208475352100002491703
74987505353000802204217

$0.36
-$7,059.68

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

ACTIVITY DESCRIPTION

AMOUNT ($)

NOV 18

NOV 20 OTTAWA GOODTIME CENTRE NEPEAN ON

$61.02

NOV 18

NOV 20 OTTAWA GOODTIME CENTRE NEPEAN ON

$61.02

NOV 19

NOV 20 NBX*CHELSEA NORDIQ 819-5934083 QC

-$100.00

NOV 20

NOV 21 RYANS GARAGE ALCOVE QC

$916.93

NOV 20

NOV 21 SQ *HOGAN PRODUCE SAINTE-CECILEQC

$229.95

NOV 20

NOV 21 SQ *HOGAN PRODUCE SAINTE-CECILEQC

$218.45

NOV 21

NOV 24 RENU MASSAGE THERAPY & SPOTTAWA ON

$257.64

24456725323510000860022
24456725323510000860105
74769805323900010648573
74872715324263245044397
74293475324000108637715
74293475324000108753835
74064495325820185392676

RBC® Avion® Visa Infinite Privilege‡
for Private Banking

BILL SYRROS 4646 92** **** 6846
SHELLEY FRASER SYRROS 4646 92** **** 2725
STATEMENT FROM NOV 20 TO DEC 19, 2025

3 OF 8

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

ACTIVITY DESCRIPTION

AMOUNT ($)

NOV 21

NOV 24 CHELSEA CHAWARMA ET PIZZACHELSEA QC

$20.00

NOV 21

NOV 24 CHELSEA CHAWARMA ET PIZZACHELSEA QC

$26.42

NOV 21

NOV 24 1:1 SALON CHELSEA QC

$222.46

NOV 22

NOV 24 SHOPPERS DRUG MART #06 OTTAWA ON

$47.98

NOV 23

NOV 24 APPLE.COM/BILL 866-712-7753 ON

$57.48

NOV 23

NOV 24 ISTOCK.COM TORONTO ON

$45.99

NOV 23

NOV 25 FARM BOY #35 OTTAWA ON

$290.73

NOV 24

NOV 26 FLAIR DIREC KKWTT9 EDMONTON INTEAB

$373.94

NOV 24

NOV 26 WESTJET 8382102937626CALGARY AB

$122.56

NOV 24

NOV 25 GOOGLE *GOOGLE ONE G.CO/HELPPAY#NS

$4.59

NOV 25

NOV 26 AMZN MKTP CA*B26R78AD0 866-216-1072 ON

$49.43

NOV 25

NOV 26 BENNY&CO. LACHUTE LACHUTE QC

$24.29

NOV 25

NOV 26 CANADIAN TIRE STORE #176 GATINEAU QC

$222.94

NOV 25

NOV 26 STM MONT ROYAL SIN101 MONTREAL QC

$21.00

NOV 26

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

$11.49

NOV 26

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

$12.64

NOV 26

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

$17.23

NOV 26

NOV 27 SP MEJURI-INC TORONTO ON

$537.16

NOV 26

NOV 27 SP MEJURI-INC TORONTO ON

$191.86

NOV 26

NOV 27 SP MEJURI-INC TORONTO ON

$164.18

NOV 26

NOV 27 MANDYS LAURIER MONTREAL QC

$18.20

NOV 26

NOV 27 SQ *ORA - WELLINGTON MONTREAL QC

$454.91

NOV 26

NOV 27 SQ *ORA - WELLINGTON MONTREAL QC

$300.00

NOV 27

NOV 28 SP BON CHARGE BONCHARGE.COMCA

$1,349.25

NOV 27

NOV 28 CHAPTERS 793 HALIFAX NS

NOV 28

NOV 28 PAYMENT - THANK YOU / PAIEMENT - MERCI

NOV 28

DEC 05

SP STEVE MADDEN CA VANCOUVER BC

$114.92

NOV 28

DEC 03

COS STOCKHOLM

$388.91

NOV 28

DEC 01

BOYD MOVING & STORAGE LTDOTTAWA ON

$197.75

74064495325820187347991
74064495325820187348007
74529005325920442237502
74500015326882668441591
74537885327106150409755
24080445327157144536830
74529005327920436535109
74872715329873293193204
74479325329004024080099
74537885328107204712086
74537885329108182910311
74116775329144885507171
74064495330820106310230
74064495330820113272043

74537885330109454683088
74537885330109080278816
74537885330109022996491
74083425331100003773902
74083425331100003815075
74083425331100004064723
74116775330963298659015
74293475330000990475598
74293475330000990572683
24011345332100010938747
74064495331820180800014

74510105332619988049103
74083425339100003088584

74987505336002257844044
Foreign Currency - USD 270.00 Exchange rate - 1.440407
74064495332820177754678

$48.38
-$10,000.00

RBC® Avion® Visa Infinite Privilege‡
for Private Banking

BILL SYRROS 4646 92** **** 6846
SHELLEY FRASER SYRROS 4646 92** **** 2725
STATEMENT FROM NOV 20 TO DEC 19, 2025

4 OF 8

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

ACTIVITY DESCRIPTION

AMOUNT ($)

NOV 28

DEC 01

SP VIOME INC BUY.VIOME.COMWA

$2,415.14

NOV 28

DEC 01

SP BOARDOMSHOP EDMONTON AB

$465.55

NOV 28

DEC 01

SP ROUGE LIGHT THERA SAINT-LAMBERTQC

$7,119.00

NOV 28

DEC 01

SP INSIDETRACKER STORE.INSIDETMA

$2,706.56

NOV 28

DEC 01

SP INSIDETRACKER STORE.INSIDETMA

$1,245.96

NOV 28

DEC 01

SQ *CRESCENT CLAY EAST DOVER NS

$78.00

NOV 29

DEC 01

PLAID PLACE BEDFORD NS

$357.42

NOV 29

DEC 01

PLAID PLACE BEDFORD NS

-$108.24

NOV 29

DEC 01

MARK'S STORE #121 HALIFAX NS

$219.68

NOV 29

DEC 01

SOBEYS #580 BEDFORD NS

$166.85

NOV 30

DEC 02

AIR CAN* 0144298282193AIRCANADA.COMMB

$40.01

NOV 30

DEC 01

JEWELIA ORLICK CHELSEA QC

$144.00

DEC 01

DEC 03

AVIS RENT A CAR ETOBICOKE ON

$600.11

DEC 01

DEC 02

BELL CANADA (OB) MONTREAL QC

$151.77

DEC 01

DEC 02

GOOGLE *WORKSPACE_KITZ 855-222-8603 ON

$9.52

DEC 01

DEC 02

GOOGLE *WORKSPACE_SEIW 855-222-8603 ON

$38.87

DEC 01

DEC 02

SILVER DART IRVING GOFFS NS

$12.31

DEC 01

DEC 02

THAI EXPRESS -2603 SAINT-LAURENTQC

$20.73

DEC 01

DEC 02

DYMON STORAGE (BARRHAV NEPEAN ON

$22.60

DEC 01

DEC 02

DYMON STORAGE (BARRHAV NEPEAN ON

$946.94

DEC 01

DEC 02

DYMON STORAGE (TRAINYA OTTAWA ON

$251.54

DEC 01

DEC 02

OTTAWA INTERNATIONAL AIRPOTTAWA ON

$26.00

DEC 02

DEC 03

CPC / SCP 270903 CHELSEA QC

$65.71

DEC 02

DEC 03

BRAINTAP PROF SUBSCRIP BRAINTAP.COM NC

$71.76

DEC 02

DEC 03

GENEVIEVE PARENT NOTAI WAKEFIELD QC

$1,909.29

DEC 02

DEC 03

GEO PRECISION GATINEAU QC

$1,509.06

DEC 03

DEC 04

FEDEX33729698 T1800 4633339ON

$26.51

DEC 03

DEC 04

UPS*5740039379 888-520-9090 NB

$87.74

24011345332100153526960
74083425333100001033323
74083425333100001891712

24011345333100052380302
Foreign Currency - USD 1,879.00 Exchange rate - 1.440425
24011345333100052565738
Foreign Currency - USD 865.00 Exchange rate - 1.440416
74293475332000512431283
74514205334004003059357
74514205334004003059381
74064495334820108983964
74529005333920304951109
74537885335103927925833
74083425335100002335261
74522815336004025668155
74064495335820136436927
74537885335103926043943
74537885335103933294885
74500015335461606366837
74064495335820180662899
74500015335656617325389
74500015335656617327104
74500015335656616396167
74064495336820116853181
74064495336820183912217

24011345337100029834452
Foreign Currency - USD 49.99 Exchange rate - 1.435487
74500015336380697005485
74500015336656668346838
74831495337548527962017
74537885337106423756451

RBC® Avion® Visa Infinite Privilege‡
for Private Banking

BILL SYRROS 4646 92** **** 6846
SHELLEY FRASER SYRROS 4646 92** **** 2725
STATEMENT FROM NOV 20 TO DEC 19, 2025

5 OF 8

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

ACTIVITY DESCRIPTION

AMOUNT ($)

DEC 03

DEC 04

GENEVIEVE MUNRO YOGA CHELSEA QC

$31.19

DEC 03

DEC 04

UBER CANADA/UBERTRIP TORONTO ON

$35.71

DEC 03

DEC 03 PAYMENT - THANK YOU / PAIEMENT - MERCI

-$1,500.00

DEC 04

DEC 04

AMZN MKTP CA*BI7KR7ZM1 866-216-1072 ON

$1,411.37

DEC 04

DEC 04 PAYMENT - THANK YOU / PAIEMENT - MERCI

-$5,000.00

DEC 05

DEC 08

WB E-STORE 800-766-0449 BC

$885.15

DEC 05

DEC 08

WB E-STORE 800-766-0449 BC

$150.15

DEC 05

DEC 05 PAYMENT - THANK YOU / PAIEMENT - MERCI

DEC 06

DEC 08

INNERSCIENCE RESEARCH INNERSCIENCERWA

$38.35

DEC 06

DEC 08

APPLE.COM/BILL 866-712-7753 ON

$14.94

DEC 06

DEC 08

AMZN MKTP CA*BI4448DY1 866-216-1072 ON

$57.48

DEC 06

DEC 09

PAYPAL *DARIOCASTAG 4029357733

$400.30

DEC 07

DEC 08

SQ *NATURAL HISTORY OTTAWA ON

$41.34

DEC 08

DEC 08

SQ *PATINAGE EN FORET 8774174551 QC

$126.87

DEC 09

DEC 11

FARM BOY #35 OTTAWA ON

$336.64

DEC 09

DEC 10

BELL CANADA (OB) MONTREAL QC

$113.83

DEC 09

DEC 11

LCBO/RAO #0041 OTTAWA ON

$170.85

DEC 09

DEC 10

TROVE FASHION OTTAWA ON

$130.46

DEC 09

DEC 10

AMZN MKTP CA 866-216-1072 ON

-$49.43

DEC 09

DEC 10

OURARING OULU

$8.95

DEC 09

DEC 10

PAYBYPHONE CITY OF OTT VANCOUVER BC

$3.45

DEC 10

DEC 11

CLINIQUE VETERINAIRE WAKEWAKEFIELD QC

$796.21

DEC 10

DEC 11

LS BLUEBARN COFFEE ROA WAKEFIELD QC

$14.22

DEC 11

DEC 15

1:1 SALON CHELSEA QC

$745.95

DEC 11

DEC 15

FARM BOY #77 OTTAWA ON

$106.86

DEC 11

DEC 15

BUSHTUKAH INC. OTTAWA ON

$711.33

DEC 11

DEC 12

BELL CANADA (OB) MONTREAL QC

$151.77

DEC 11

DEC 12

LS HINTONBURG KIDS OTTAWA ON

$66.99

DEC 11

DEC 12

MAKER HOUSE CO. OTTAWA ON

$101.24

74083425338100006445311
74064495337820151211815

74510105337619986128102
74537885338106706019410

74510105338619989578104
74769575339004029013282
74769575339004029011450

74510105339619982841102

24011345340100087559129
Foreign Currency - USD 26.80 Exchange rate - 1.430970
74537885340109102895769
74537885340109415390193

74004765342340192967103
Foreign Currency - EUR 240.00 Exchange rate - 1.667916
74293475341000050283491
74293475342000129714855
74529005343920456628503
74064495343820134816757
74529005343920175315705
74064495343820179584104
74537885343102310710380
74143615344000127440678
74500015343656657575513
74064495344820181600160
74099865344000054307218
74529005345920378101207
74529005345920472601904
74529005345920141181809
74064495345820134847743
74083425345100032413581
74514205345004004670787

-$20,050.37

RBC® Avion® Visa Infinite Privilege‡
for Private Banking

BILL SYRROS 4646 92** **** 6846
SHELLEY FRASER SYRROS 4646 92** **** 2725
STATEMENT FROM NOV 20 TO DEC 19, 2025

6 OF 8

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

ACTIVITY DESCRIPTION

AMOUNT ($)

DEC 11

DEC 12

ORESTA ORGANIC SKIN CARE OTTAWA ON

$546.92

DEC 11

DEC 12

SAGE FISH MARKET OTTAWA ON

$177.78

DEC 11

DEC 12

NATURAL FOOD PANTRY-WESTBOTTAWA ON

$43.54

DEC 11

DEC 12

HOME OF FRESH PASTA OTTAWA ON

$55.95

DEC 11

DEC 12

IL NEGOZIO NICASTRO OTTAWA ON

$77.41

DEC 11

DEC 12

JOHN THOMPSON OTTAWA ON

$14.69

DEC 11

DEC 12

PAYBYPHONE CITY OF OTT VANCOUVER BC

$3.45

DEC 11

DEC 12

PAYBYPHONE CITY OF OTT VANCOUVER BC

$3.45

DEC 11

DEC 12

PAYBYPHONE CITY OF OTT VANCOUVER BC

$3.45

DEC 12

DEC 15

CHELSEA SMOKEHOUSE CHELSEA QC

$113.30

DEC 12

DEC 15

RITUAL (RITUAL.COM) RITUAL.COM CA

$174.80

DEC 12

DEC 15

MARCHE CHELSEA 21315 CHELSEA QC

$185.03

DEC 12

DEC 12

OPENAI *CHATGPT SUBSCR OPENAI.COM CA

$32.59

DEC 13

DEC 15

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

$19.54

DEC 13

DEC 15

SP LA CONFISERIE WAK WAKEFIELD QC

$106.70

DEC 13

DEC 15

WAKEFIELD GENERAL STOR WAKEFIELD QC

$25.61

DEC 13

DEC 15

SQ *HOGAN PRODUCE CHELSEA QC

$103.48

DEC 13

DEC 15

KLIMAT WAKEFIELD QC

$100.38

DEC 13

DEC 15

BOUTIQUE JAMBOREE WAKEFILED QC

$240.29

DEC 13

DEC 15

MOTEL CHELSEA CHELSEA QC

$36.79

DEC 14

DEC 15

ETSY.COM*DESICRAFTSHOP TORONTO ON

$130.21

DEC 15

DEC 16

PRIMEAU VELO GATINEAU GATINEAU QC

$505.86

DEC 15

DEC 16

PRIMEAU VELO GATINEAU GATINEAU QC

$142.57

DEC 15

DEC 16

GATINEAU PARK OTTAWA ON

$471.40

DEC 15

DEC 16

AIRBNB * HMDBENCTN2 AIRBNB.COM

$208.50

DEC 15

DEC 16

LA TRAPPE A FROMAGE CHELSEA QC

$120.55

DEC 15

DEC 16

POLO VELO CHELSEA CHELSEA QC

$321.34

DEC 15

DEC 16

WINNERS 377 GATINEAU QC

$153.99

DEC 15

DEC 16

SQ *PEPPER POD RETREAT CEGOSQ.COM QC

$50.00

74450775345004001279101
74064375345004006353395
74514205345004014635440
74514205345004015236404
74514205345004017030466
74064495345820182800321
74500015345656651789449
74500015345656651796840
74500015345656651800493
74064495346820194948612
24064665346100044179681
74500015346380658078495

24492165346100012921265
Foreign Currency - USD 23.00 Exchange rate - 1.416956
74537885347106913126908
74083425348100004138999
74500015347380615751639
74293475347000647968780
74514205348004014741252
74529005347920296791509
74116775348119977592163
74099865348001031237086
74064495349820186204302
74064495349820186204484
74064495349820187343141
74657375350000477063021
74514205349004004376571
74500015349838483421443
74703415350109211648688
74293475349000461047503

RBC® Avion® Visa Infinite Privilege‡
for Private Banking

BILL SYRROS 4646 92** **** 6846
SHELLEY FRASER SYRROS 4646 92** **** 2725
STATEMENT FROM NOV 20 TO DEC 19, 2025

7 OF 8

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

ACTIVITY DESCRIPTION

AMOUNT ($)

DEC 17

DEC 18

THE DRY CLEANER #78 VANIER ON

$54.47

DEC 17

DEC 18

APPLE.COM/BILL 866-712-7753 ON

$4.59

DEC 17

DEC 18

LAVERGNE MEAT AND DELI NAVAN ON

$400.47

DEC 17

DEC 18

MARSHALLS MEGA 762/114 OTTAWA ON

$206.67

DEC 17

DEC 18

SQ *KOUZINA OTTAWA ON

$281.50

DEC 17

DEC 19

STARBUCKS 04277 OTTAWA ON

$50.00

DEC 17

DEC 19

FARM BOY #35 OTTAWA ON

$367.58

DEC 18

DEC 19

PITOU MINOU ET COMPAGNONSCHELSEA QC

$543.63

DEC 18

DEC 19

OURARING OULU

74064495351820183711023
74537885351100358738759
74500015351380628651936
74703415352101282219497
74293475351000157176322
74703415352101399892475
74529005351920502305105
74064495352820192511652

74143615353000131200546
Foreign Currency - USD 6.99 Exchange rate - 1.414878

SUBTOTAL OF MONTHLY ACTIVITY

$9.89
$3,722.26

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

ACTIVITY DESCRIPTION

AMOUNT ($)

NOV 20

NOV 21 VIDEOTRON LTEE #150 PPACCMONTREAL QC

$86.23

NOV 24

NOV 24 AMZN MKTP CA*B29YU6JS1 866-216-1072 ON

$32.18

NOV 25

NOV 25 AMZN MKTP CA*B28UO5XI1 866-216-1072 ON

$13.67

NOV 30

DEC 02

UBER CANADA/UBERTRIP TORONTO ON

$12.17

DEC 01

DEC 02

UBER CANADA/UBERTRIP TORONTO ON

$20.58

DEC 02

DEC 03

NAUTILUS PLUS SS 900 514-6665814 QC

$27.31

DEC 02

DEC 02

BUSBUD MONTREAL QC

$51.87

DEC 04

DEC 05

HOLLAND CROSS DENTAL CENTOTTAWA ON

$268.00

DEC 04

DEC 05

HOLLAND CROSS DENTAL CENTOTTAWA ON

$250.00

DEC 12

DEC 12

UBERDIRECTCA_PASS TORONTO ON

$11.49

DEC 12

DEC 12 PAYMENT - THANK YOU / PAIEMENT - MERCI

-$174.60

DEC 16

DEC 17

NAUTILUS PLUS SS 900 514-6665814 QC

$27.31

DEC 16

DEC 17

STM MT ROYAL DAN101/96 MONTREAL QC

$14.00

DEC 18

DEC 18

AMZN MKTP CA*NI1XX0LD3 866-216-1072 ON

$41.38

74064495325820125668102
74537885328106752487299
74537885329107782941478
74064495335820151746978
74064495335820155645481
74729245336050220540013
74099865336000007829052
74064495338820183122633
74064495338820183122641
74099865345001008337078

74510105346619989095109
74729245350051013353219
74064495351820117113734
74537885352101336511531

SUBTOTAL OF MONTHLY ACTIVITY

TOTAL ACCOUNT BALANCE

$681.59

$17,394.54

RBC® Avion® Visa Infinite Privilege‡
for Private Banking

BILL SYRROS 4646 92** **** 6846
SHELLEY FRASER SYRROS 4646 92** **** 2725
STATEMENT FROM NOV 20 TO DEC 19, 2025

8 OF 8

Time to Pay
If you make only the Minimum Payment each month, we estimate it will
take 13 year(s) and 7 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

$50.00

Purchases & Fees

20.99

$17,344.18

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).
®/™