GOLDEN CREDIT CARD TRUST - CREDIT CARD PORTFOLIO

As at March 31, 2024

Unless the context requires otherwise, initial capitalized terms used and not otherwise defined herein shall have the meanings ascribed thereto in the second amended and restated pooling and servicing agreement (the "Pooling and Servicing Agreement") dated October 30, 2009 between Royal Bank of Canada ("RBC"), as Seller and initial Servicer, and BNY Trust Company of Canada, as agent, nominee and bare trustee for and on behalf of the Seller, the Co-Owners and other Persons who from time to time are party to the Series Purchase Agreements (the "Custodian").

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.

Loss and Delinquency Experience

The loss and delinquency experience of the Accounts is as follows:

Loss Experience for the Accounts

(unaudited)

Three Months Ended

Year Ended

Year Ended

Year Ended

March 31, 2024

December 31, 2023

December 31, 2022

December 31, 2021

Average Pool Balance

$11,845,674,043

$11,701,110,170

$9,704,632,152(1)

$9,343,327,820

Net Write-offs(2)

$67,583,642

$221,745,020

$136,592,649

$121,518,559

Average Net Write-off Ratio(3) ...

2.28%

1.89%

1.41%

1.30%

  1. Average Pool Balance is the average of the beginning balance for the number of Determination Periods in the period. Additional Accounts were added to the pool on November 18, 2022 (approximately $1.6 billion of receivables) and are included in the calculation of the Average Pool Balance for the beginning of December 2022.
  2. Write-offsrepresent the aggregate amount of Receivables outstanding in Written-Off Accounts, net of Recoveries.
  3. Average Net Write-off Ratio is the average of the monthly annualized net write-offs as a percentage of beginning Pool Balance for the number of Determination Periods in the period. The related ratios are calculated using the Pool Balance at the beginning of the Determination Period. The December 2022 period includes the account addition that closed on November 18, 2022.

- 1 -

Delinquencies as a Percentage of the Accounts(1)

(unaudited)

As at March 31, 2024

Number of

Percentage of

Receivables

Percentage of

Days Delinquent (2)

Accounts(3)

Total Accounts

Outstanding

Total Receivables

Current

8,923,372

99.05%

$11,139,935,261

94.39%

1 day to 30 days

59,359

0.66%

400,741,410

3.40%

31 days to 60 days

11,959

0.13%

99,131,412

0.84%

61 days to 90 days

6,247

0.07%

65,555,575

0.56%

91 days to 120 days

4,167

0.05%

45,706,069

0.39%

121 days to 150 days

2,694

0.03%

28,648,514

0.24%

151 days to 180 days

1,520

0.02%

22,081,771

0.19%

Totals

9,009,318

100.00%

$11,801,800,011

100.00%

As at December 31, 2023

Number of

Percentage of

Receivables

Percentage of

Days Delinquent (2)

Accounts(3)

Total Accounts

Outstanding

Total Receivables

Current

8,836,999

99.02%

$11,661,522,614

94.71%

1 day to 30 days

59,580

0.67%

401,430,894

3.26%

31 days to 60 days

12,911

0.14%

97,563,658

0.79%

61 days to 90 days

6,664

0.07%

64,815,264

0.53%

91 days to 120 days

4,116

0.05%

42,386,310

0.34%

121 days to 150 days

2,371

0.03%

24,082,932

0.20%

151 days to 180 days

1,527

0.02%

21,284,033

0.17%

Totals

8,924,168

100.00%

$12,313,085,704

100.00%

As at December 31, 2022

Number of

Percentage of

Receivables

Percentage of

Days Delinquent (2)

Accounts(3)

Total Accounts

Outstanding

Total Receivables

Current

8,559,293

98.97%

$11,153,239,257

95.16%

1 day to 30 days

60,988

0.71%

361,686,866

3.09%

31 days to 60 days

14,497

0.17%

86,037,152

0.73%

61 days to 90 days

6,506

0.08%

52,903,162

0.45%

91 days to 120 days

3,922

0.05%

34,758,962

0.30%

121 days to 150 days

2,091

0.02%

17,391,036

0.15%

151 days to 180 days

1,112

0.01%

14,369,225

0.12%

Totals

8,648,409

100.00%

$11,720,385,660

100.00%

- 2 -

As at December 31, 2021

Number of

Percentage of

Receivables

Percentage of

Days Delinquent (2)

Accounts(3)

Total Accounts

Outstanding

Total

Receivables

Current

8,777,812

99.26%

$9,253,456,736

95.47%

1 day to 30 days

47,608

0.54%

282,309,956

2.91%

31 days to 60 days

8,625

0.10%

61,640,319

0.64%

61 days to 90 days

4,389

0.05%

41,445,505

0.43%

91 days to 120 days

2,780

0.03%

26,330,684

0.27%

121 days to 150 days

1,606

0.02%

15,041,339

0.16%

151 days to 180 days

876

0.01%

12,060,899

0.12%

Totals

8,843,696

100.00%

$9,692,285,438

100.00%

  1. Due to rounding, numbers presented in the following distribution tables may not add up precisely to the totals provided and percentages may not precisely reflect the absolute figures.
  2. Delinquency status as of statement date.
  3. The number of Accounts includes replacement cards issued as a result of loss, theft or fraudulent activities and cards issued as a result of product transfers but excludes cards that have been written-off.

Revenue Experience

The revenue experience in the following table is presented before deduction for write-offs. Revenues from Finance Charge Receivables on both a billed and a cash basis will be affected by numerous factors, including the periodic finance charge on the Account Assets, the amount of any annual or membership fees, other fees paid by cardholders, and the percentage of cardholders who pay off their balances in full each month and do not incur periodic finance charges on purchases.

Revenue Experience for the Accounts

(unaudited)

Three Months Ended

Year Ended

Year Ended

Year Ended

March 31, 2024

December 31, 2023

December 31, 2022

December 31, 2021

Revenue

Interest Earned

$412,968,362

$1,542,224,018

$1,189,283,122

$1,151,466,012

Fees

$332,985,309

$1,485,202,837

$1,298,372,406

$1,169,691,425

Average Pool Balance

$11,845,674,043

$11,701,110,170

$9,704,632,152(1)

$9,343,327,820

Average Revenue Yield(2)

25.18%

25.87%

25.64%

24.85%

  1. Average Pool Balance is the average of the beginning balance for the number of Determination Periods in the period. Additional Accounts were added to the pool on November 18, 2022 (approximately $1.6 billion of receivables) and are included in the calculation of the Average Pool Balance for the beginning of December 2022.
  2. Average Revenue Yield is the average of the monthly annualized Revenue as a Percentage of Beginning Pool Balance for the number of Determination Periods in the period. The related ratios are calculated using the Pool Balance at the beginning of the Determination Period. The December 2022 period includes the account addition that closed on November 18, 2022.

The revenues for the Accounts shown in the table above are attributable to (a) periodic finance charges and annual and other fees billed to cardholders, and (b) applicable Interchange Fees and any other fees or amounts which are designated by the Seller by notice to the Custodian from time to time. The revenues related to periodic finance charges and fees (other than annual and membership fees) depend in part upon the collective

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preference of cardholders to use their credit cards to finance purchases and/or receive cash advances over time rather than for convenience use (where the cardholders pay off their entire balance each month, thereby avoiding periodic finance charges). Revenues also depend in part on the cardholders' use of other services offered by RBC for a fee. Accordingly, revenues will be affected by future changes in the types of charges and fees assessed on the Accounts, the respective percentages of the Receivables balances of the various types of Accounts, and the types of Accounts under which the Receivables arise.

"Collections" means all payments (including Recoveries and insurance proceeds) received by the Servicer from or on behalf of any Obligors in respect of Receivables and from the Seller in respect of Interchange Fees, and, in respect of any period of days, means all such amounts received by the Servicer during such period and, in respect of any Business Day, means all such amounts received by the Servicer before the close of business on such day and after the close of business on the immediately preceding Business Day.

"Finance Charge Receivables" means, with respect to an Account, (A) any Receivable billed to a cardholder under the related Credit Card Agreement in respect of: (i) periodic credit or other finance charges;

  1. membership fees, if any; (iii) cash advance fees; (iv) service and transaction fees; and (v) administrative fees and late charges; and (B) (a) applicable Interchange Fees; and (b) any other fees or amounts with respect to the Account other than Principal Receivables which are designated by the Seller by notice to the Custodian from time to time to be included as Finance Charge Receivables.

Interchange

The Seller receives Interchange Fees from financial institutions for clearing transactions arising under the Accounts and as compensation for assuming credit risk and funding receivables for a limited period of time prior to initial billing. The Seller will Transfer to the Custodian on a daily basis the Interchange Fees, representing the aggregate amount of fees paid or payable to the Seller on such day in respect of all Visa Accounts, Mastercard Accounts and other Specified Account Designation Accounts from other financial institutions that clear such credit card transactions for merchants after netting or set-off occurs. The Seller may, from time to time, in its sole discretion, voluntarily increase or decrease the rate used to calculate amounts receivable or payable in respect of Interchange Fees. The Account Assets include the then applicable Interchange Fees.

"Interchange Fees" means, in respect of a day, the aggregate of Mastercard Interchange Fees, Visa Interchange Fees and Other Interchange Fees in respect of such day, in each case as the basis for calculating the same may be adjusted from time to time in accordance with the Pooling and Servicing Agreement.

"Mastercard Interchange Fees" means, in respect of a day, the aggregate amount of fees paid or payable to the Seller on such day in respect of all Mastercard Accounts from other financial institutions that clear Mastercard transactions for merchants after any netting or set-off occurs; as the basis for calculating the same may be adjusted from time to time in accordance with the Pooling and Servicing Agreement.

"Visa Interchange Fees" means, in respect of a day, the aggregate amount of fees paid or payable to the Seller on such day in respect of all Visa Accounts from other financial institutions that clear Visa transactions for merchants after any netting or set-off occurs; as the basis for calculating the same may be adjusted from time to time in accordance with the Pooling and Servicing Agreement.

"Other Interchange Fees" means, in respect of a day, the aggregate amount of fees paid or payable to the Seller on such day in respect of all other Specified Account Designation Accounts (other than Visa and Mastercard) from other financial institutions that clear such credit card transactions for merchants after any netting or set-off occurs; as the basis for calculating the same may be adjusted from time to time in accordance with the Pooling and Servicing Agreement.

"Specified Account Designation" shall mean each of (i) Visa, (ii) Mastercard, and (iii) one or more other designations relating to credit card accounts specified by the Seller in writing for which the Rating Agency Condition is satisfied in respect of each such other designation's inclusion as a Specified Account

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Designation, or, in the case of S&P where it is a Rating Agency with respect to a series of Ownership Interest, a class of Ownership Interest or Related Securities, the Seller has provided at least 10 days prior written notice to S&P of such other designation's inclusion as a Specified Account Designation.

Cardholder Monthly Payment Rates for the Accounts

The following table sets forth the highest and lowest cardholder monthly payment rates for all months during the periods shown, in each case, calculated as a percentage of the account balances at the beginning of each month during the period. Monthly payment rates on the Account Assets may vary due to, among other things, the availability of other sources of credit, general economic conditions, consumer spending and borrowing patterns and the terms of the Accounts (which are subject to change by RBC) and marketing programs of RBC.

Cardholder Monthly Payment Rates for the Accounts

(% of Pool Balance)(1)(2)

(unaudited)

Three Months Ended

Year Ended

Year Ended

Year Ended

March 31, 2024

December 31, 2023

December 31, 2022

December 31, 2021

Lowest Month

55.31%

56.51%

57.15%

49.71%

Highest Month

62.39%

71.36%

74.56%

71.24%

Average

57.87%

63.60%

67.85%

62.83%

_____

  1. Pool Balance as at the beginning of each month during the period. Additional Accounts were added to the pool on November 18, 2022 (approximately $1.6 billion of receivables) and are included in the calculation of the Pool Balance for the beginning of December 2022.
  2. Payment ratios are calculated as a percentage of the previous Determination Period's ending Pool Balance. The related ratios are calculated using the Pool Balance at the beginning of the Determination Period. The December 2022 period includes the account addition that closed on November 18, 2022.

The Accounts

General

The Account Assets relate to Seller Credit Card Accounts established by RBC in each year from 1967 to and including 2017, subject to certain exclusions.

The information in the tables above entitled "Loss Experience for the Accounts", "Delinquencies as a Percentage of the Accounts", "Revenue Experience for the Accounts" and "Cardholder Monthly Payment Rates for the Accounts" relates to the historical Accounts. If the mix of Account Assets changes, the loss, revenue and delinquency experience of the Accounts may be different from that set forth in the tables referred to above.

The Principal Receivables balances of Written-Off Accounts will be subtracted from the aggregate outstanding balance of all Principal Receivables owing under the Accounts on any date for the purpose of calculating the Pool Balance. Collections, however, include any Collections in respect of such Written-Off Accounts ("Recoveries").

The Seller has represented and warranted to the Trust that the Accounts met the eligibility requirements set forth in the Pooling and Servicing Agreement as of the Cut-Off Date or Addition Cut-Off Date, as applicable, on which they became Accounts. There can be no assurance, however, that all of the Accounts will continue to meet eligibility requirements. The Seller periodically purges closed and inactive accounts in accordance with the Seller's policies and procedures.

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Subject to certain conditions, the Seller may Transfer to the Trust undivided co-ownership interests in receivables arising in Eligible Accounts, other than the Accounts, including Participations. Such receivables and the related credit card account may not be originated or collected in the same manner as the Accounts described below and may differ with respect to loss, delinquency, revenue and payment experience. Such receivables and the related credit card accounts may also have different terms than those described below, including lower periodic finance charges. Consequently, the Transfer to the Trust of the undivided co- ownership interests in receivables arising in such credit card accounts could have the effect of reducing the average portfolio yield. In addition, actual loss and delinquency, revenue and monthly payment rate experience with respect to such receivables and account assets may be materially different from such experience for the portfolio of Account Assets described herein.

As at March 31, 2024 the aggregate receivables outstanding was approximately $11.8 billion and there were 9,009,318 Accounts which had an average balance of approximately $1,310 and an average credit limit of approximately $7,354. The average Account balance as a percentage of the average credit limit with respect to the Accounts was approximately 18%.

The following tables summarize the Accounts by various criteria as at March 31, 2024. References to "Receivables Outstanding" in the following tables mean Account Assets. These tables are not necessarily indicative of the future composition of the Account Assets.

Composition of Accounts by Account Balance(1)

(as at March 31, 2024)

(unaudited)

Number of

Percentage of

Receivables

Percentage of

Account Balance

Accounts(2)

Total Accounts

Outstanding

Total Receivables

Credit or zero Balance

6,266,896

69.56%

$ -98,343,050

-0.83%

$.01 to $500

869,851

9.66%

152,156,966

1.29%

$500.01 to $1,000

325,366

3.61%

238,059,290

2.02%

$1,000.01 to $3,000

587,594

6.52%

1,081,709,097

9.17%

$3,000.01 to $5,000

276,416

3.07%

1,085,789,368

9.20%

$5,000.01 to $10,000

322,918

3.58%

2,314,217,188

19.61%

$10,000.01 to $12,500

79,822

0.89%

891,492,758

7.55%

$12,500.01 to $15,000

64,932

0.72%

891,566,284

7.55%

$15,000.01 to $20,000

89,193

0.99%

1,545,796,430

13.10%

$20,000.01 to $25,000

51,588

0.57%

1,151,289,916

9.76%

Over $25,000

74,742

0.83%

2,548,065,764

21.59%

.Totals

100.00%

$ 11,801,800,011

100.00%

  1. Due to rounding, numbers presented in the following distribution tables may not add up precisely to the totals provided and percentages may not precisely reflect the absolute figures.
  2. The number of Accounts includes replacement cards issued as a result of loss, theft or fraudulent activities and cards issued as a result of product transfers but excludes cards that have been written-off.

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Composition of Accounts by Credit Limit(1) (as at March 31, 2024)

(unaudited)

Number of

Percentage of

Receivables

Percentage of

Credit Limit

Accounts(2)

Total Accounts

Outstanding

Total Receivables

Less than or equal to $500

28,401

0.32%

$

906,921

0.01%

$501 to $1,000

216,239

2.40%

20,561,888

0.17%

$1,001 to $3,000

576,199

6.40%

134,342,842

1.14%

$3,001 to $5,000

914,794

10.15%

376,000,932

3.19%

$5,001 to $10,000

1,828,119

20.29%

1,319,706,445

11.18%

$10,001 to $12,500

601,633

6.68%

514,440,928

4.36%

$12,501 to $15,000

897,054

9.96%

974,889,781

8.26%

$15,001 to $17,500

638,216

7.08%

738,048,034

6.25%

$17,501 to $20,000

825,972

9.17%

1,089,877,228

9.23%

$20,001 to $24,999

1,127,645

12.52%

1,765,423,063

14.96%

$25,000 and Over

1,355,046

15.04%

4,867,601,950

41.24%

Totals

100.00%

$

11,801,800,011

100.00%

  1. Due to rounding, numbers presented in the following distribution tables may not add up precisely to the totals provided and percentages may not precisely reflect the absolute figures.
  2. The number of Accounts includes replacement cards issued as a result of loss, theft or fraudulent activities and cards issued as a result of product transfers but excludes cards that have been written-off.

Composition of Accounts by Age(1)

(as at March 31, 2024)

(unaudited)

Number of

Percentage of

Receivables

Percentage of

Age of Portfolio(2)

Accounts(3)

Total Accounts

Outstanding

Total Receivables

3 years and under

0

0.00%

$

0

0.00%

Over 3 years to 4 years

0

0.00%

0

0.00%

Over 4 years to 5 years

0

0.00%

0

0.00%

Over 5 years to 6 years

0

0.00%

0

0.00%

Over 6 years to 7 years

180,820

2.01%

501,886,741

4.25%

Over 7 years to 8 years

220,601

2.45%

617,448,938

5.23%

Over 8 years to 9 years

216,322

2.40%

624,197,552

5.29%

Over 9 years to 10 years

320,191

3.55%

708,107,008

6.00%

Over 10 years to 15 years

1,953,022

21.68%

2,973,970,526

25.20%

Over 15 years to 20 years

1,719,847

19.09%

2,410,635,439

20.43%

Over 20 years to 25 years

1,300,315

14.43%

1,474,934,103

12.50%

Over 25 years to 30 years

1,266,601

14.06%

1,185,210,286

10.04%

Over 30 years to 35 years

676,024

7.50%

559,693,140

4.74%

Over 35 years

1,155,575

12.83%

745,716,279

6.32%

.Totals

100.00%

$ 11,801,800,011

100.00%

  1. Due to rounding, numbers presented in the following distribution tables may not add up precisely to the totals provided and percentages may not precisely reflect the absolute figures.
  2. Age of Portfolio is based on the opening date for the Accounts.
  3. The number of Accounts includes replacement cards issued as a result of loss, theft or fraudulent activities and cards issued as a result of product transfers but excludes cards that have been written-off.

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Composition of Accounts by Geographic Distribution(1)

(as at March 31, 2024)

(unaudited)

Number of

Percentage of

Receivables

Percentage of

Jurisdiction

Accounts(2)

Total Accounts

Outstanding

Total Receivables

British Columbia

1,812,888

20.12%

$

2,224,629,592

18.85%

Alberta

1,205,709

13.38%

1,831,759,532

15.52%

Saskatchewan

278,732

3.09%

455,021,461

3.86%

Manitoba

325,734

3.62%

476,021,659

4.03%

Ontario

3,442,911

38.22%

4,596,107,692

38.94%

Quebec

1,285,818

14.27%

1,308,693,468

11.09%

New Brunswick

9,763

0.11%

19,611,236

0.17%

Nova Scotia

86,835

0.96%

147,947,477

1.25%

Prince Edward Island

28,850

0.32%

42,179,499

0.36%

Newfoundland and Labrador

284,248

3.16%

418,368,770

3.54%

Yukon

12,070

0.13%

21,604,891

0.18%

Northwest Territories(3)

154,512

1.72%

226,193,415

1.92%

Other(4)

81,248

0.90%

33,661,319

0.29%

.Totals

100.00%

$

11,801,800,011

100.00%

  1. Due to rounding, numbers presented in the following distribution tables may not add up precisely to the totals provided and percentages may not precisely reflect the absolute figures.
  2. The number of Accounts includes replacement cards issued as a result of loss, theft or fraudulent activities and cards issued as a result of product transfers but excludes cards that have been written-off.
  3. Includes Nunavut.
  4. This category is in respect of those Accounts for which the Obligor's statement address at the time of determination of eligibility was in one of the provinces or territories of Canada and such Obligor currently resides outside Canada.

Billing and Payments

The Accounts have various billing and payment structures, including varying periodic finance charges and fees. The following is information on the current billing and payment characteristics of the Accounts.

With limited exceptions (for example, where there is no outstanding balance on a cardholder's credit card account), monthly billing statements are sent by the Seller to cardholders at the end of the billing period. Each month, the cardholder is required to make at least the minimum payment indicated on the monthly billing statement. The minimum payment amount is typically calculated by one of two methods: (1) where the cardholder (or if held jointly, all cardholders) on the credit card account reside(s) outside the province of Quebec or is a small business credit card account, by adding the amount of any outstanding periodic finance charges plus fees outstanding (excluding any installment plan interest or monthly fees) plus $10, plus any monthly installment plan payments due that statement; or (2) for accounts held individually or jointly by any person resident in the province of Quebec, by adding any monthly installment plan payments due that statement, plus a percentage of the account's other total outstanding balance (which percentage will be gradually increasing from 2.5% to 5% between August 1, 2019 and August 1, 2025 for Accounts opened prior to August 1, 2019, and which is 5% for Accounts opened on or after August 1, 2019). In all cases, a balance of $10 or less on a monthly billing statement must be paid in full. The full amount of any unpaid minimum payment required in respect of preceding monthly billing statements, will also be added to the minimum payment for a billing period.

A periodic finance charge is assessed on Accounts at the annual interest rates specified at the time each Account is opened and from time to time thereafter in the monthly billing statements relating to such Account. Periodic finance charges and fees are charged on balances for purchases, cash advances and fees starting from the transaction date until the date the payment is processed by the Seller (subject to any applicable interest-free grace period on new purchases and fees). No interest is assessed on new purchases (except those converted to

- 8 -

installment plans) and fees as long as the new balance which is owed for the month is paid in full by the payment due date, and for small business credit cards only, the new balance for the previous month was also paid in full by that month's statement's payment due date. For purchases converted to installment plans, interest (if applicable) will be assessed at the rate and in the manner the cardholder agreed to when they signed up for the installment plan (no interest is charged if a new installment plan is paid off in full before its first payment due date). The periodic finance charges for any month are calculated on a daily basis by multiplying each daily periodic finance charge bearing closing balance by the equivalent daily rate for the applicable annual rate. The average periodic finance charge on the Accounts relating to cash advances and purchases of goods and services was 19% per annum for the month of March 2024 (excluding introductory interest rates). The Seller may change the periodic finance charge on the various types of Accounts at any time with at least 30 days' written notice to the cardholders. The Seller may assess an annual or membership fee that varies depending on the type of Account.

Payments by cardholders to the Servicer on the Accounts are processed and applied first to the minimum payment, then to any remaining balance. If the different amounts that make up the remaining balance are subject to different interest rates, the payments are generally allocated on a pro rata basis.

There can be no assurance that fees and other charges will remain at current levels.

FICO® Scores

The following table sets forth the composition of the Accounts as at March 31, 2024 by FICO® score ranges. To the extent available, FICO® scores calculated by TransUnion or Equifax are obtained at origination and by TransUnion, quarterly thereafter. A FICO® score is a measurement that uses information collected by the major Canadian credit bureaus to assess consumer credit risk. FICO® scores rank-order consumers according to the likelihood that their credit obligations will not be paid in accordance with the terms of their accounts. Although TransUnion and Equifax disclose only limited information about the variables they use to assess credit risk, those variables likely include, but are not limited to, debt level, credit experience, payment patterns (including delinquency history), and level of utilization of available credit. An individual's FICO® score may change over time, depending on the conduct of the individual, including the individual's usage of his or her available credit, payment patterns and changes in credit score technology used by TransUnion and Equifax.

FICO® scores are based on independent, third-party information, the accuracy of which the Trust cannot verify. The Seller does not use standardized credit scores, such as a FICO® score, alone for the purpose of credit adjudication.

The information presented in the table below should not be used alone as a method of forecasting whether cardholders will make payments in accordance with the terms of their Credit Card Agreements. Since the future composition of the Accounts may change over time, the following table is not necessarily indicative of the composition of the Accounts at any specific time in the future.

FICO® Scores(1)(2)

(unaudited)

As at March 31, 2024

FICO® Scores

Percentage of

Percentage of

Total Accounts

Balance Outstanding

760 and above

75.4%

45.0%

700 to 759

12.2%

27.7%

660 to 699

4.8%

13.0%

560 to 659

4.0%

10.9%

Less than 560 or no score

3.6%

3.4%

..............................................................................................Totals

100.00%

100.00%

  1. The Trust uses FICO® scores provided by TransUnion.
  2. Includes FICO® score of small business owner where available for small business accounts.

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Disclaimer

RBC - Royal Bank of Canada published this content on 30 April 2024 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 02 May 2024 09:36:00 UTC.