2019-01-07_tthomas_vsa_4516070012592509-17 (1).pdf

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RBC®VisaJBusiness Platinum Avion®
HOME CARE ASSISTANCE MONT 4516 07** **** 2509
TIMOTHY THOMAS 4516 07** **** 2517
STATEMENT FROM DEC 05, 2018 TO JAN 04, 2019 1 OF 2Save on business travel with WestJet
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RBC ROYAL BANK
CREDIT CARD PAYMENT CENTRE
P.O.BOX 4016, STATION "A"
TORONTO, ONTARIO M5W 2E6NEW BALANCE MINIMUM PAYMENT PAYMENT DUE DATE AMOUNT PAID
$416.15 $60.00 JAN 21, 2019 $
RBC®VisaJBusiness Platinum Avion®
4516 07** **** 2509 / 4516 07** **** 2517
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 branchRBC0190000_7428151_023-114416 04394
WESTMOUNT QC H3Z 1R74464 RUE SAINTE-CATHERINE OTIMOTHY THOMASHOME CARE ASSISTANCE MONTIMPORTANT INFORMATION
RBC REWARDS POINTS
Previous Points balance 0
Points earned this statement 367
Points adjusted this statement (367)
New points balance 0
CONTACT US
Customer Service / Lost & Stolen 1-800-769-2512
Collect Outside North America (416) 974-7780
RBC Rewards Travel Redemption 1-877-636-2870
Merchandise Redemption 1-800-769-2512
Web site www.rbcrewards.com
PAYMENTS & INTEREST RATES
Minimum payment $60.00
Payment due date JAN 21, 2019
Credit limit $5,000.00
Available credit $4,583.85
Annual interest rates:
Purchases 19.99%
Cash advances 22.99%
CALCULATING YOUR BALANCE
Previous Statement Balance $18.95
Payments & credits -$18.95
Purchases & debits $366.15
Cash advances $0.00
Interest $0.00
Fees $50.00
NEW BALANCE $416.15PREVIOUS STATEMENT BALANCE $18.95
4516 07** **** 2509
TRANSACTION POSTINGACTIVITY DESCRIPTION AMOUNT ($)DATE DATE
DEC 21 DEC 21 AUTOMATIC PAYMENT - THANK YOU -$18.95
JAN 01 JAN 02 ANNUAL FEE $50.00
SUBTOTAL OF MONTHLY ACTIVITY $31.05
4516 07** **** 2517
TRANSACTION POSTINGACTIVITY DESCRIPTION AMOUNT ($)DATE DATE
DEC 04 DEC 05 ULTRAMAR #41944 MONT-ROYAL QC
74500018338570141503513$34.14
DEC 05 DEC 06 STATIONNEMENT VILLE MTL MONTREAL QC
74530008338828611970108$6.07
DEC 05 DEC 06 WESTMOUNT PUBLIC SECURITYWESTMOUNT QC
74064498339820161434532$3.75
DEC 10 DEC 12 APPLE STORE #R392 MONTREAL QC
74537888345100334734719$71.28
DEC 13 DEC 17 OPTIMALPRINT OPTIMALPRINTFORNEBU
74987508348007223924838$134.67
DEC 19 DEC 21 SAQ23177 KIRKLAND KIRKLAND QC
74529008353920246519203$57.60
DEC 20 DEC 24 SAQ23337 L'ILE DES SOE VERDUN QC
74529008354920305393606$38.40
DEC 31 JAN 02 STARBUCKS 10315 MONT ROYAL QC
74703419001100225641053$20.24
SUBTOTAL OF MONTHLY ACTIVITY $366.15
NEW BALANCE $416.15

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RBC®VisaJBusiness Platinum Avion®
HOME CARE ASSISTANCE MONT 4516 07** **** 2509
TIMOTHY THOMAS 4516 07** **** 2517
STATEMENT FROM DEC 05, 2018 TO JAN 04, 2019 2 OF 2.
Your account is currently set up on an Auto Pay plan
Based on the option you previously selected the New Balance amo unt as
shown on this statement will be posted to your account on the Pa yment
Due Date. If you have made any additional payments (or credit ref unds)
prior to the Auto Pay, we will reduce the Auto Pay amount by thos e
additional payments posted. Please contact us if you have any qu estions at
RBC Royal Bank®Card Services at 1-800 ROYAL®1-2.
INTEREST RATE CHART
Rate (%)RemainingExpiry DateBalance**
19.99 $416.15
** 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 Rema ining Balances shown above.

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O1STMBBE E B stmts (09/17)IMPORTANT INFORMATION ABOUT YOUR 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 the front of your statement. It is provided to help you read and understand your statement. Please refer to your RBC Royal Bank business credit card agreement for complete terms and conditions for your Account.
Statement Period.  Your statement covers activity on 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 for which we do not process statements (for example, weekends and certain holidays) we will prepare it on our next statement processing date. Your Payment Due Date will be adjusted accordingly.
YOUR RESPONSIBILITIES
Review your statement.  Review your credit card 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 the 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, call 1-800-769-2512 immediately. 
Make your payment.  You may pay the New Balance in full or in part at any time. However, you must pay 
at least the Minimum Payment by the Payment Due Date as shown on the statement each month.
How to make a payment.  The payment options available for your account are listed on your statement. 
Remember to allow sufficient time for payments to reach us by the Payment Due Date. Payments sent to us by mail or made through another financial institution may take several days to reach us and are not credited to your account until we have processed them. To ensure that a payment is credited to your account on the same business day you make it, you must make the payment prior to 6:00 p.m. local time at one of our branches or ATMs in Canada or through our telephone or online banking service. Branch payments must be made by the branch closing time if it is earlier than 6:00 p.m.
You can also pay through Autopay, our pre-authorized payment service. Call us at 1-800-769-2512 for 
further information.
Payments do not automatically adjust your available credit. This generally occurs within one to three 
business days following receipt of your payment, depending on how your payment is made. 
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 any interest charges and the associated interest rate. The transaction and posting dates are displayed for each transaction. If the transaction date is not available for any transaction, its posting date is used as the transaction date. Interest is always calculated from the transaction date.
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 Purchases and for Cash Advances are also shown. If either of those rates is a temporary promotional rate, we will show its expiry date here as well. Any promotional rates that are applicable to interest charges on the statement are displayed in the Interest Rate Chart.
Interest Rate Chart.  This chart sets out the interest rate or rates, including applicable promotional rates, 
that apply to the New Balance, any remaining balances associated with those rates, and expiry dates for promotional rates. Rates and expiry dates for any promotions that we may have offered to you but which you are not using are not shown in the chart as they will not have any balances associated with them. If an expiry date falls on a date for which we do not process statements (for example, weekends and certain holidays) we will continue to provide you with the benefit of that promotional rate until our next statement processing date.INTEREST AND OTHER CALCULATIONS
Determination of interest.  You can avoid interest on purchases as long as you continue to pay your New 
Balance in full by your Payment Due Date every month. If you do not pay your New Balance in full by your Payment Due Date, you lose this interest-free status for purchases. You must then pay interest on all purchases shown on that month’s statement and on all new purchases, from the transaction date until we receive your payment for the total amount you owe.
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 payment in full for those cash advances. Credit card cheques, balance transfers, cash-like transactions and bill payments made using your credit card at our branch, at an ATM or using our online banking service are treated as cash advances.
We do not charge interest on interest.To calculate the interest shown in the “Calculating Your Balance” section of your statement, 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. We multiply the average daily balance by the applicable daily interest rate (obtained by taking the annual interest rate or rates and dividing 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. When there is more than one applicable interest rate shown in the Activity Description Section, we calculate your interest based on the average daily balances for each rate.
Applying your payments.  We apply payments to your Minimum Payment first. We then apply payments 
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 paid 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 payment in excess of the New Balance to amounts that have not yet appeared on your monthly statement in the same manner as set out above.
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, 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 usa.visa.com/support/consumer/travel-support/exchange-rate-calculator.html, if set  
by Visa, or mastercard.com/global/currencyconversion/index.html, if set by Mastercard. You can also call us toll-free at 1-800 ROYAL
® 1-2 (1-800-769-2512).
® / ™ 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).