Common use of Account Performance Clause in Contracts

Account Performance. The following tables set forth the historical performance of the Accounts for each of the indicated periods. There can be no assurance, however, that the loss and delinquency yield experience for the Accounts in the future will be similar to the historical experience set forth below. The information in the tables has been provided by RBC. The loss and delinquency experience of the Accounts is as follows: (unaudited) Nine Months Ended September 30, 2023 Year Ended December 31, 2022 Year Ended December 31, 2021 Year Ended December 31, 2020 Average Pool Balance ................ $11,582,483,139 $9,704,632,152(1) $9,343,327,820 $9,935,627,017(2) Net Write-offs(3) ......................... $158,701,716 $136,592,649 $121,518,559 $188,027,451 Average Net Write-off Ratio(4) ... 1.83% 1.41% 1.30% 1.89%

Account Performance. The following tables set forth the historical performance of the Accounts for each of the indicated periods. There can be no assurance, however, that the loss and delinquency yield experience for the Accounts in the future will be similar to the historical experience set forth below. The information in the tables has been provided by RBC. The loss and delinquency experience of the Accounts is as follows: (unaudited) Nine Three Months Ended September 30March 31, 2023 2020 Year Ended December 31, 2022 2019 Year Ended December 31, 2021 2018 Year Ended December 31, 2020 2017 Average Pool Balance ................ $11,582,483,139 $9,704,632,152(1Balance(1) $9,343,327,820 10,419,981,454 $9,935,627,017(2) 10,800,808,684 $11,104,635,225 $11,182,952,439 Net Write-offs(3offs(2) ......................... ........................ $158,701,716 61,873,001 $136,592,649 252,094,196 $121,518,559 252,650,981 $188,027,451 246,950,590 Average Net Write-off Ratio(4) ... 1.83Ratio(3).. 2.38% 1.412.33% 1.302.28% 1.892.21%

Account Performance. The following tables set forth the historical performance of the Accounts for each of the indicated periods. There can be no assurance, however, that the loss and delinquency yield experience for the Accounts in the future will be similar to the historical experience set forth below. The information in the tables has been provided by RBC. The loss and delinquency experience of the Accounts is as follows: (unaudited) Nine Months Ended September 30, 2023 Year Ended December 31, 2022 2017 Year Ended December 31, 2021 2016 Year Ended December 31, 2020 2015 Average Pool Balance ................ $11,582,483,139 11,182,952,439 $9,704,632,152(1) 11,243,136,886 $9,343,327,820 $9,935,627,017(29,714,398,862(1) Net Write-offs(3offs(2) ......................... ........................ $158,701,716 246,950,590 $136,592,649 272,411,002 $121,518,559 $188,027,451 202,258,306 Average Net Write-off Ratio(4) ... 1.83Ratio(3).. 2.21% 1.412.43% 1.30% 1.892.08%

Account Performance. The following tables set forth the historical performance of the Accounts for each of the indicated periods. There can be no assurance, however, that the loss and delinquency yield experience for the Accounts in the future will be similar to the historical experience set forth below. The information in the tables has been provided by RBC. The loss and delinquency experience of the Accounts is as follows: (unaudited) Nine Three Months Ended September 30, 2023 Year Ended December 31, 2022 Year Ended December March 31, 2021 Year Ended December 31, 2020 Year Ended December 31, 2019 Year Ended December 31, 2018 Average Pool Balance ................ $11,582,483,139 9,271,012,949 $9,704,632,152(19,935,627,017(1) $9,343,327,820 10,800,808,684 $9,935,627,017(2) 11,104,635,225 Net Write-offs(3offs(2) ......................... $158,701,716 $136,592,649 $121,518,559 32,082,673 $188,027,451 $252,094,196 $252,650,981 Average Net Write-off Ratio(4) Ratio(3)... 1.83% 1.41% 1.301.39% 1.89% 2.33% 2.28%

Account Performance. The following tables set forth the historical performance of the Accounts for each of the indicated periods. There can be no assurance, however, that the loss and delinquency yield experience for the Accounts in the future will be similar to the historical experience set forth below. The information in the tables has been provided by RBC. The loss and delinquency experience of the Accounts is as follows: (unaudited) Nine Months Ended September 30, 2023 Year Ended December 31, 2022 2018 Year Ended December 31, 2021 2017 Year Ended December 31, 2020 2016 Average Pool Balance ................ Balance(1) ................. $11,582,483,139 11,104,635,225 $9,704,632,152(1) 11,182,952,439 $9,343,327,820 $9,935,627,017(2) 11,243,136,886 Net Write-offs(3offs(2) ......................... .............................. $158,701,716 252,650,981 $136,592,649 246,950,590 $121,518,559 $188,027,451 272,411,002 Average Net Write-off Ratio(4) ... 1.83Ratio(3)........ 2.28% 1.412.21% 1.30% 1.892.43%

Account Performance. The following tables set forth the historical performance of the Accounts for each of the indicated periods. There can be no assurance, however, that the loss and delinquency yield experience for the Accounts in the future will be similar to the historical experience set forth below. The information in the tables has been provided by RBC. The loss and delinquency experience of the Accounts is as follows: (unaudited) Nine Months Ended September 30, 2023 Year Ended December 31, 2022 Year Ended December 31, 2021 Year Ended December 31, 2020 Average Pool Balance ................ $11,582,483,139 11,434,504,691 $9,704,632,152(1) $9,343,327,820 $9,935,627,017(2) Net Write-offs(3) ......................... $158,701,716 103,123,101 $136,592,649 $121,518,559 $188,027,451 Average Net Write-off Ratio(4) ... 1.831.81% 1.41% 1.30% 1.89%

Account Performance. The following tables set forth the historical performance of the Accounts for each of the indicated periods. There can be no assurance, however, that the loss and delinquency yield experience for the Accounts in the future will be similar to the historical experience set forth below. The information in the tables has been provided by RBC. Additional Accounts were added to the pool at the open of business on December 1, 2015 (approximately $1.9 billion of receivables). The Additional Accounts included credit cards issued to small business accounts (approximately $143 million). The loss and delinquency experience of the Accounts is as follows: (unaudited) Nine Six Months Ended September June 30, 2023 2016 Year Ended December 31, 2022 2015 Year Ended December 31, 2021 2014 Year Ended December 31, 2020 2013 Average Pool Balance ................ $11,582,483,139 11,161,215,746 $9,704,632,152(19,714,398,862(1) $9,343,327,820 9,536,364,983(2) $9,935,627,017(2) 8,305,415,067 Net Write-offs(3) ......................... ........................ $158,701,716 143,844,874 $136,592,649 202,258,306 $121,518,559 205,174,573 $188,027,451 184,102,323 Average Net Write-off Ratio(4) ... 1.83).. 2.58% 1.412.08% 1.302.15% 1.892.22%

Account Performance. The following tables set forth the historical performance of the Accounts for each of the indicated periods. There can be no assurance, however, that the loss and delinquency yield experience for the Accounts in the future will be similar to the historical experience set forth below. The information in the tables has been provided by RBC. The loss and delinquency experience of the Accounts is as follows: (unaudited) Nine Months Ended September 30, 2023 Year Ended December 31, 2022 Year Ended December 31, 2021 Year Ended December 31, 2020 Average Pool Balance ................ $11,582,483,139 ............................... $9,704,632,152(1) $9,343,327,820 $9,935,627,017(2) Net Write-offs(3) ......................... $158,701,716 ........................................ $136,592,649 $121,518,559 $188,027,451 Average Net Write-off Ratio(4) ... 1.83% .................. 1.41% 1.30% 1.89%

Account Performance. The following tables set forth the historical performance of the Accounts for each of the indicated periods. There can be no assurance, however, that the loss and delinquency yield experience for the Accounts in the future will be similar to the historical experience set forth below. The information in the tables has been provided by RBC. The loss and delinquency experience of the Accounts is as follows: (unaudited) Nine Six Months Ended September June 30, 2023 2019 Year Ended December 31, 2022 2018 Year Ended December 31, 2021 2017 Year Ended December 31, 2020 2016 Average Pool Balance ................ $11,582,483,139 $9,704,632,152(1Balance(1) $9,343,327,820 10,794,506,492 $9,935,627,017(2) 11,104,635,225 $11,182,952,439 $11,243,136,886 Net Write-offs(3offs(2) ......................... ........................ $158,701,716 120,766,548 $136,592,649 252,650,981 $121,518,559 246,950,590 $188,027,451 272,411,002 Average Net Write-off Ratio(4) ... 1.83Ratio(3).. 2.24% 1.412.28% 1.302.21% 1.892.43%

Account Performance. The following tables set forth the historical performance of the Accounts for each of the indicated periods. There can be no assurance, however, that the loss and delinquency yield experience for the Accounts in the future will be similar to the historical experience set forth below. The information in the tables has been provided by RBC. The loss and delinquency experience of the Accounts is as follows: (unaudited) Nine Three Months Ended September 30, 2023 Year Ended December 31, 2022 Year Ended December 31, 2021 Year Ended December 31, 2020 Average Pool Balance Balance................ $11,582,483,139 $9,704,632,152(1) 9,211,719,601 $9,343,327,820 $9,935,627,017(29,935,627,017(1) $10,800,808,684 Net Write-offs(3offs(2) ......................... $158,701,716 $136,592,649 28,129,538 $121,518,559 $188,027,451 $252,094,196 Average Net Write-off Ratio(4) Ratio(3)... 1.83% 1.411.23% 1.30% 1.89% 2.33%

Account Performance. The following tables set forth the historical performance of the Accounts for each of the indicated periods. There can be no assurance, however, that the loss and delinquency yield experience for the Accounts in the future will be similar to the historical experience set forth below. The information in the tables has been provided by RBC. The loss and delinquency experience of the Accounts is as follows: (unaudited) Nine Months Ended September 30, 2023 2018 Year Ended December 31, 2022 2017 Year Ended December 31, 2021 2016 Year Ended December 31, 2020 2015 Average Pool Balance ................ $11,582,483,139 11,081,072,930 $9,704,632,152(1) 11,182,952,439 $9,343,327,820 11,243,136,886 $9,935,627,017(29,714,398,862(1) Net Write-offs(3offs(2) ......................... ........................ $158,701,716 192,587,779 $136,592,649 246,950,590 $121,518,559 272,411,002 $188,027,451 202,258,306 Average Net Write-off Ratio(4) ... 1.83Ratio(3).. 2.32% 1.412.21% 1.302.43% 1.892.08%

Account Performance. The following tables set forth the historical performance of the Accounts for each of the indicated periods. There can be no assurance, however, that the loss and delinquency yield experience for the Accounts in the future will be similar to the historical experience set forth below. The information in the tables has been provided by RBC. The loss and delinquency experience of the Accounts is as follows: (unaudited) Nine Three Months Ended September 30March 31, 2023 2017 Year Ended December 31, 2022 2016 Year Ended December 31, 2021 2015 Year Ended December 31, 2020 2014 Average Pool Balance ................ $11,582,483,139 11,159,460,029 $9,704,632,152(111,243,136,886 $9,714,398,862(1) $9,343,327,820 $9,935,627,017(29,536,364,983(2) Net Write-offs(3) ......................... ........................ $158,701,716 65,356,315 $136,592,649 272,411,002 $121,518,559 202,258,306 $188,027,451 205,174,573 Average Net Write-off Ratio(4) ... 1.83).. 2.34% 1.412.43% 1.302.08% 1.892.15%

Account Performance. The following tables set forth the historical performance of the Accounts for each of the indicated periods. There can be no assurance, however, that the loss and delinquency yield experience for the Accounts in the future will be similar to the historical experience set forth below. The information in the tables has been provided by RBC. The loss and delinquency experience of the Accounts is as follows: (unaudited) Nine Three Months Ended September 30March 31, 2024 Year Ended December 31, 2023 Year Ended December 31, 2022 Year Ended December 31, 2021 Year Ended December 31, 2020 Average Pool Balance ................ $11,582,483,139 11,845,674,043 $11,701,110,170 $9,704,632,152(1) $9,343,327,820 $9,935,627,017(2) Net Write-offs(3offs(2) ......................... $158,701,716 67,583,642 $221,745,020 $136,592,649 $121,518,559 $188,027,451 Average Net Write-off Ratio(4Ratio(3) ... 1.832.28% 1.89% 1.41% 1.30% 1.89%

Account Performance. The following tables set forth the historical performance of the Accounts for each of the indicated periods. There can be no assurance, however, that the loss and delinquency yield experience for the Accounts in the future will be similar to the historical experience set forth below. The information in the tables has been provided by RBC. The loss and delinquency experience of the Accounts is as follows: (unaudited) Nine Months Ended September 30, 2023 2019 Year Ended December 31, 2022 2018 Year Ended December 31, 2021 2017 Year Ended December 31, 2020 2016 Average Pool Balance ................ $11,582,483,139 $9,704,632,152(1Balance(1) $9,343,327,820 10,819,795,542 $9,935,627,017(2) 11,104,635,225 $11,182,952,439 $11,243,136,886 Net Write-offs(3offs(2) ......................... ....................... $158,701,716 189,073,705 $136,592,649 252,650,981 $121,518,559 246,950,590 $188,027,451 272,411,002 Average Net Write-off Ratio(4Ratio(3) ... 1.83. 2.33% 1.412.28% 1.302.21% 1.892.43%

Account Performance. The following tables set forth the historical performance of the Accounts for each of the indicated periods. There can be no assurance, however, that the loss and delinquency yield experience for the Accounts in the future will be similar to the historical experience set forth below. The information in the tables has been provided by RBC. The loss and delinquency experience of the Accounts is as follows: (unaudited) Nine Six Months Ended September June 30, 2023 2018 Year Ended December 31, 2022 2017 Year Ended December 31, 2021 2016 Year Ended December 31, 2020 2015 Average Pool Balance ................ $11,582,483,139 11,041,947,656 $9,704,632,152(1) 11,182,952,439 $9,343,327,820 11,243,136,886 $9,935,627,017(29,714,398,862(1) Net Write-offs(3offs(2) ......................... ........................ $158,701,716 130,300,796 $136,592,649 246,950,590 $121,518,559 272,411,002 $188,027,451 202,258,306 Average Net Write-off Ratio(4) ... 1.83Ratio(3).. 2.36% 1.412.21% 1.302.43% 1.892.08%

Account Performance. The following tables set forth the historical performance of the Accounts for each of the indicated periods. There can be no assurance, however, that the loss and delinquency yield experience for the Accounts in the future will be similar to the historical experience set forth below. The information in the tables has been provided by RBC. The loss and delinquency experience of the Accounts is as follows: (unaudited) Nine Months Ended September 30, 2023 Year Ended December 31, 2022 Year Ended December 31, 2021 Year Ended December 31, 2020 Year Ended December 31, 2019 Average Pool Balance ................ $11,582,483,139 $9,704,632,152(1) ............................... $9,343,327,820 $9,935,627,017(29,935,627,017(1) $10,800,808,684 Net Write-offs(3offs(2) ......................... $158,701,716 $136,592,649 ........................................ $121,518,559 $188,027,451 $252,094,196 Average Net Write-off Ratio(4Ratio(3) ... 1.83% 1.41% .................. 1.30% 1.89% 2.33%

Account Performance. The following tables set forth the historical performance of the Accounts for each of the indicated periods. There can be no assurance, however, that the loss and delinquency yield experience for the Accounts in the future will be similar to the historical experience set forth below. The information in the tables has been provided by RBC. Additional Accounts were added to the pool at the open of business on December 1, 2015 (approximately $1.9 billion of receivables). The Additional Accounts included credit cards issued to small business accounts (approximately $143 million). The loss and delinquency experience of the Accounts is as follows: (unaudited) Nine Months Ended September 30, 2023 2016 Year Ended December 31, 2022 2015 Year Ended December 31, 2021 2014 Year Ended December 31, 2020 2013 Average Pool Balance ................ $11,582,483,139 11,203,884,911 $9,704,632,152(19,714,398,862(1) $9,343,327,820 9,536,364,983(2) $9,935,627,017(2) 8,305,415,067 Net Write-offs(3) ......................... ........................ $158,701,716 209,220,517 $136,592,649 202,258,306 $121,518,559 205,174,573 $188,027,451 184,102,323 Average Net Write-off Ratio(4) ... 1.83).. 2.49% 1.412.08% 1.302.15% 1.892.22%

Account Performance. The following tables set forth the historical performance of the Accounts for each of the indicated periods. There can be no assurance, however, that the loss and delinquency yield experience for the Accounts in the future will be similar to the historical experience set forth below. The information in the tables has been provided by RBC. The loss and delinquency experience of the Accounts is as follows: (unaudited) Nine Months Ended September 30, 2023 Year Ended December 31, 2022 Year Ended December 31, 2021 Year Ended December 31, 2020 Average Pool Balance ................ $11,582,483,139 11,338,969,389 $9,704,632,152(1) $9,343,327,820 $9,935,627,017(2) Net Write-offs(3) ......................... $158,701,716 48,757,819 $136,592,649 $121,518,559 $188,027,451 Average Net Write-off Ratio(4) ... 1.831.72% 1.41% 1.30% 1.89%

Account Performance. The following tables set forth the historical performance of the Accounts for each of the indicated periods. There can be no assurance, however, that the loss and delinquency yield experience for the Accounts in the future will be similar to the historical experience set forth below. The information in the tables has been provided by RBC. The loss and delinquency experience of the Accounts is as follows: (unaudited) Nine Six Months Ended September June 30, 2023 Year Ended December 31, 2022 Year Ended December 31, 2021 Year Ended December 31, 2020 Year Ended December 31, 2019 Year Ended December 31, 2018 Average Pool Balance Balance................ $11,582,483,139 9,193,956,157 $9,704,632,152(19,935,627,017(1) $9,343,327,820 10,800,808,684 $9,935,627,017(2) 11,104,635,225 Net Write-offs(3offs(2) ......................... $158,701,716 $136,592,649 $121,518,559 65,488,337 $188,027,451 $252,094,196 $252,650,981 Average Net Write-off Ratio(4) Ratio(3)... 1.83% 1.41% 1.301.43% 1.89% 2.33% 2.28%

Account Performance. The following tables set forth the historical performance of the Accounts for each of the indicated periods. There can be no assurance, however, that the loss and delinquency yield experience for the Accounts in the future will be similar to the historical experience set forth below. The information in the tables has been provided by RBC. The loss and delinquency experience of the Accounts is as follows: (unaudited) Nine Months Ended September 30, 2023 Year Ended December 31, 2022 Year Ended December 31, 2021 Year Ended December 31, 2020 Average Pool Balance ................ ............................... $11,582,483,139 11,701,110,170 $9,704,632,152(1) $9,343,327,820 $9,935,627,017(2) Net Write-offs(3offs(2) ......................... ........................................ $158,701,716 221,745,020 $136,592,649 $121,518,559 $188,027,451 Average Net Write-off Ratio(4Ratio(3) ... 1.83.................. 1.89% 1.41% 1.30% 1.89%

Account Performance. The following tables set forth the historical performance of the Accounts for each of the indicated periods. There can be no assurance, however, that the loss and delinquency yield experience for the Accounts in the future will be similar to the historical experience set forth below. The information in the tables has been provided by RBC. The loss and delinquency experience of the Accounts is as follows: (unaudited) Nine Three Months Ended September 30March 31, 2023 2019 Year Ended December 31, 2022 2018 Year Ended December 31, 2021 2017 Year Ended December 31, 2020 2016 Average Pool Balance ................ $11,582,483,139 $9,704,632,152(1Balance(1) $9,343,327,820 10,843,501,181 $9,935,627,017(2) 11,104,635,225 $11,182,952,439 $11,243,136,886 Net Write-offs(3offs(2) ......................... ........................ $158,701,716 60,646,927 $136,592,649 252,650,981 $121,518,559 246,950,590 $188,027,451 272,411,002 Average Net Write-off Ratio(4) ... 1.83Ratio(3).. 2.24% 1.412.28% 1.302.21% 1.892.43%

Account Performance. The following tables set forth the historical performance of the Accounts for each of the indicated periods. There can be no assurance, however, that the loss and delinquency yield experience for the Accounts in the future will be similar to the historical experience set forth below. The information in the tables has been provided by RBC. Additional Accounts were added to the pool at the open of business on December 1, 2015 (approximately $1.9 billion of receivables). The Additional Accounts included credit cards issued to small business accounts (approximately $143 million). The loss and delinquency experience of the Accounts is as follows: (unaudited) Nine Three Months Ended September 30March 31, 2023 2016 Year Ended December 31, 2022 2015 Year Ended December 31, 2021 2014 Year Ended December 31, 2020 2013 Average Pool Balance ................ $11,582,483,139 11,201,875,904 $9,704,632,152(19,714,398,862(1) $9,343,327,820 9,536,364,983(2) $9,935,627,017(2) 8,305,415,067 Net Write-offs(3) ......................... ........................ $158,701,716 68,816,150 $136,592,649 202,258,306 $121,518,559 205,174,573 $188,027,451 184,102,323 Average Net Write-off Ratio(4) ... 1.83).. 2.46% 1.412.08% 1.302.15% 1.892.22%

Account Performance. The following tables set forth the historical performance of the Accounts for each of the indicated periods. There can be no assurance, however, that the loss and delinquency yield experience for the Accounts in the future will be similar to the historical experience set forth below. The information in the tables has been provided by RBC. The loss and delinquency experience of the Accounts is as follows: (unaudited) Nine Months Ended September 30, 2023 Year Ended December 31, 2022 Year Ended December 31, 2021 Year Ended December 31, 2020 Average Pool Balance ................ $11,582,483,139 11,160,173,806 $9,704,632,152(111,243,136,886 $9,714,398,862(1) $9,343,327,820 $9,935,627,017(29,536,364,983(2) Net Write-offs(3) ......................... ........................ $158,701,716 187,799,140 $136,592,649 272,411,002 $121,518,559 202,258,306 $188,027,451 205,174,573 Average Net Write-off Ratio(4) ... 1.83).. 2.25% 1.412.43% 1.302.08% 1.892.15%

Account Performance. The following tables set forth the historical performance of the Accounts for each of the indicated periods. There can be no assurance, however, that the loss and delinquency yield experience for the Accounts in the future will be similar to the historical experience set forth below. The information in the tables has been provided by RBC. The loss and delinquency experience of the Accounts is as follows: (unaudited) Nine Six Months Ended September June 30, 2023 2020 Year Ended December 31, 2022 2019 Year Ended December 31, 2021 2018 Year Ended December 31, 2020 2017 Average Pool Balance ................ $11,582,483,139 $9,704,632,152(19,870,661,540(1) $9,343,327,820 10,800,808,684 $9,935,627,017(2) 11,104,635,225 $11,182,952,439 Net Write-offs(3offs(2) ......................... ........................ $158,701,716 113,959,709 $136,592,649 252,094,196 $121,518,559 252,650,981 $188,027,451 246,950,590 Average Net Write-off Ratio(4) ... 1.83Ratio(3).. 2.31% 1.412.33% 1.302.28% 1.892.21%

Account Performance. The following tables set forth the historical performance of the Accounts for each of the indicated periods. There can be no assurance, however, that the loss and delinquency yield experience for the Accounts in the future will be similar to the historical experience set forth below. The information in the tables has been provided by RBC. The loss and delinquency experience of the Accounts is as follows: (unaudited) Nine Six Months Ended September June 30, 2023 2017 Year Ended December 31, 2022 2016 Year Ended December 31, 2021 2015 Year Ended December 31, 2020 2014 Average Pool Balance ................ $11,582,483,139 11,112,316,537 $9,704,632,152(111,243,136,886 $9,714,398,862(1) $9,343,327,820 $9,935,627,017(29,536,364,983(2) Net Write-offs(3) ......................... ........................ $158,701,716 131,139,459 $136,592,649 272,411,002 $121,518,559 202,258,306 $188,027,451 205,174,573 Average Net Write-off Ratio(4) ... 1.83).. 2.36% 1.412.43% 1.302.08% 1.892.15%

Account Performance. The following tables set forth the historical performance of the Accounts for each of the indicated periods. There can be no assurance, however, that the loss and delinquency yield experience for the Accounts in the future will be similar to the historical experience set forth below. The information in the tables has been provided by RBC. The loss and delinquency experience of the Accounts is as follows: (unaudited) Nine Months Ended September 30, 2023 Year Ended December 31, 2022 Year Ended December 31, 2021 Year Ended December 31, 2020 Year Ended December 31, 2019 Year Ended December 31, 2018 Average Pool Balance ................ $11,582,483,139 9,264,114,975 $9,704,632,152(19,935,627,017(1) $9,343,327,820 10,800,808,684 $9,935,627,017(2) 11,104,635,225 Net Write-offs(3offs(2) ......................... $158,701,716 $136,592,649 $121,518,559 92,795,946 $188,027,451 $252,094,196 $252,650,981 Average Net Write-off Ratio(4) Ratio(3)... 1.83% 1.41% 1.301.34% 1.89% 2.33% 2.28%

Account Performance. The following tables set forth the historical performance of the Accounts for each of the indicated periods. There can be no assurance, however, that the loss and delinquency yield experience for the Accounts in the future will be similar to the historical experience set forth below. The information in the tables has been provided by RBC. The loss and delinquency experience of the Accounts is as follows: (unaudited) Nine Months Ended September 30, 2023 2020 Year Ended December 31, 2022 2019 Year Ended December 31, 2021 2018 Year Ended December 31, 2020 2017 Average Pool Balance ................ $11,582,483,139 $9,704,632,152(19,925,716,243(1) $9,343,327,820 10,800,808,684 $9,935,627,017(2) 11,104,635,225 $11,182,952,439 Net Write-offs(3offs(2) ......................... ........................ $158,701,716 157,098,856 $136,592,649 252,094,196 $121,518,559 252,650,981 $188,027,451 246,950,590 Average Net Write-off Ratio(4) ... 1.83Ratio(3).. 2.11% 1.412.33% 1.302.28% 1.892.21%

Account Performance. The following tables set forth the historical performance of the Accounts for each of the indicated periods. There can be no assurance, however, that the loss and delinquency yield experience for the Accounts in the future will be similar to the historical experience set forth below. The information in the tables has been provided by RBC. Additional Accounts were added to the pool at the open of business on December 1, 2015 (approximately $1.9 billion of receivables). The Additional Accounts included credit cards issued to small business accounts (approximately $143 million). The loss and delinquency experience of the Accounts is as follows: (unaudited) Nine Months Ended September 30, 2023 Year Ended December 31, 2022 2016 Year Ended December 31, 2021 2015 Year Ended December 31, 2020 2014 Average Pool Balance ................ $11,582,483,139 11,243,136,886 $9,704,632,152(19,714,398,862(1) $9,343,327,820 $9,935,627,017(29,536,364,983(2) Net Write-offs(3) ......................... ........................ $158,701,716 272,411,002 $136,592,649 202,258,306 $121,518,559 $188,027,451 205,174,573 Average Net Write-off Ratio(4) ... 1.83).. 2.43% 1.412.08% 1.30% 1.892.15%

Account Performance. The following tables set forth the historical performance of the Accounts for each of the indicated periods. There can be no assurance, however, that the loss and delinquency yield experience for the Accounts in the future will be similar to the historical experience set forth below. The information in the tables has been provided by RBC. The loss and delinquency experience of the Accounts is as follows: (unaudited) Nine Six Months Ended September June 30, 2024 Year Ended December 31, 2023 Year Ended December 31, 2022 Year Ended December 31, 2021 Year Ended December 31, 2020 Average Pool Balance ................ $11,582,483,139 11,860,076,183 $11,701,110,170 $9,704,632,152(1) $9,343,327,820 $9,935,627,017(2) Net Write-offs(3offs(2) ......................... $158,701,716 138,487,563 $221,745,020 $136,592,649 $121,518,559 $188,027,451 Average Net Write-off Ratio(4Ratio(3) ... 1.832.34% 1.89% 1.41% 1.30% 1.89%

Account Performance. The following tables set forth the historical performance of the Accounts for each of the indicated periods. There can be no assurance, however, that the loss and delinquency yield experience for the Accounts in the future will be similar to the historical experience set forth below. The information in the tables has been provided by RBC. The loss and delinquency experience of the Accounts is as follows: (unaudited) Nine Three Months Ended September 30March 31, 2023 2018 Year Ended December 31, 2022 2017 Year Ended December 31, 2021 2016 Year Ended December 31, 2020 2015 Average Pool Balance ................ $11,582,483,139 11,084,694,761 $9,704,632,152(1) 11,182,952,439 $9,343,327,820 11,243,136,886 $9,935,627,017(29,714,398,862(1) Net Write-offs(3offs(2) ......................... ........................ $158,701,716 65,537,647 $136,592,649 246,950,590 $121,518,559 272,411,002 $188,027,451 202,258,306 Average Net Write-off Ratio(4) ... 1.83Ratio(3).. 2.37% 1.412.21% 1.302.43% 1.892.08%

Account Performance. The following tables set forth the historical performance of the Accounts for each of the indicated periods. There can be no assurance, however, that the loss and delinquency yield experience for the Accounts in the future will be similar to the historical experience set forth below. The information in the tables has been provided by RBC. The loss and delinquency experience of the Accounts is as follows: (unaudited) Nine Months Ended September 30, 2023 Year Ended December 31, 2022 2019 Year Ended December 31, 2021 2018 Year Ended December 31, 2020 2017 Average Pool Balance ................ $11,582,483,139 $9,704,632,152(1Balance(1) $9,343,327,820 10,800,808,684 $9,935,627,017(2) 11,104,635,225 $11,182,952,439 Net Write-offs(3offs(2) ......................... ........................................ $158,701,716 252,094,196 $136,592,649 252,650,981 $121,518,559 $188,027,451 246,950,590 Average Net Write-off Ratio(4Ratio(3) ... 1.83.................. 2.33% 1.412.28% 1.30% 1.892.21%

Account Performance. The following tables set forth the historical performance of the Accounts for each of the indicated periods. There can be no assurance, however, that the loss and delinquency yield experience for the Accounts in the future will be similar to the historical experience set forth below. The information in the tables has been provided by RBC. The loss and delinquency experience of the Accounts is as follows: (unaudited) Nine Months Ended September 30, 2023 Year Ended December 31, 2022 Year Ended December 31, 2021 Year Ended December 31, 2020 Average Pool Balance ................ ............................... $11,582,483,139 $9,704,632,152(19,935,627,017(1) $9,343,327,820 10,800,808,684 $9,935,627,017(2) 11,104,635,225 Net Write-offs(3offs(2) ......................... $158,701,716 $136,592,649 $121,518,559 ........................................ $188,027,451 $252,094,196 $252,650,981 Average Net Write-off Ratio(4Ratio(3) ... 1.83.................. 1.89% 1.412.33% 1.30% 1.892.28%