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RBC Visa Infinite AvionSANU ARACKAPARAMPIL J 4514 0116 0034 4244

STATEMENT FROM DEC 07, 2011 TO JAN 06, 2012

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AvionersTM can do that

Did you know that purchases made using yo

RBC Visa InfiniteJ Avion card may be cover

by Purchase Security and Extended Warranty

Protection? Learn more about the suite of

insurances included on your card at

rbc.com/myavion.

RBCROYAL BANKCREDIT CARD PAYMENT CENTRE

P.O.BOX 4016,STATION "A"TORONTO, ONTARIO M5W 2E6

NEW BALANCE MINIMUM PAYMENT PAYMENT DUE DATE AMOUNT PAID

$455.78 $63.00 JAN 27, 2012 $

RBC Visa Infinite Avion4514 0116 0034 4244

Payment options Telephone banking 1-800-769-2511 Online banking www.rbcroyalbank.com RBC Royal Bank ATM RBC Royal Bank Branch

RBC0150150_1534071_032-137618 04026

MISSISSAUGA ON L5M 6M33864 SWIFTDALE DRSANU ARACKAPARAMPIL J

IMPORTANT INFORMATION

RBC REWARDS POINTSPrevious Points balance 51,Points earned this statement New points balance 51,

CONTACT USCustomer Service / Lost & Stolen 1-800-769-2

Collect Outside North America (416) 974-7RBC Rewards Travel Redemption 1-877-636-2Merchandise Redemption 1-800-769-2Web site www.rbcrewards.

PAYMENTS & INTEREST RATES

Minimum payment $63Payment due date JAN 27, 2Credit limit $18,00Available credit $17,54Annual interest rates:Purchases 19.9Cash advances 19.9

CALCULATING YOUR BALANCEPrevious Statement Balance $15,94

Payments & credits -$16,189.00Purchases & debits $649.49Cash advances $0.00Interest $53.17Fees $0.00

NEW BALANCE $455.

PREVIOUS STATEMENT BALANCE $15,942.12

SANU ARACKAPARAMPIL J4514 0116 0034 4244 PRIMARY

TRANSACTION POSTING ACTIVITY DESCRIPTION AMOUNT ($)DATE DATE

DEC 08 DEC 09 COMWAVE 1(877)4746638 TORONTO ON

74064491342820136918718

$37.08

DEC 09 DEC 09 PAYMENT THANK YOU / PAIEMENT MERCI74510201343619983837209

$500.00

DEC 10 DEC 12 FIDO *REFILL 416X01 8884813436 ON

74537881344000696676563

$11.30

DEC 12 DEC 13 PAYMENT THANK YOU / PAIEMENT MERCI

74510201347619985490201

$100.00

DEC 15 DEC 15 PAYMENT THANK YOU / PAIEMENT MERCI74510201349619985881209

$500.00

DEC 17 DEC 19 ROGERS *463774281 8887643771 ON

74537881351000040474897

$162.13

DEC 21 DEC 22 407ETR WOODBRIDGE ON

74500011355461609433083

$35.70

DEC 23 DEC 23 PAYMENT THANK YOU / PAIEMENT MERCI74510201357619982071209

$15,089.00

DEC 28 DEC 30 SOBEYS #922 QPS MISSISSAUGA ON

74537861363043637004659

$34.97

DEC 28 DEC 29 SHOPPERSDRUGMART#1147 MISSISSAUGA ON

74064491362820153858826

$12.47

DEC 29 JAN 04 DR DINO FALLAVOLLITA MISSISSAUGA ON

74872712003160032885609

$87.20

DEC 29 DEC 30 PETROCAN6536 W CHURCHILLMISSISSAUGAON

74064491364920113304958

$62.10

DEC 30 JAN 03 FRESHCO.#9705 QPS MISSISSAUGA ON74537861365032504007612

$33.44

JAN 01 JAN 03 CINEPLEX #8030 WEB QPS 4163236600 ON

74537862001043609090294

$35.98

JAN 02 JAN 04 SOBEYS #922 QPS MISSISSAUGA ON

74537862003043635002816

$16.91

JAN 03 JAN 04 ADT SECURITY SERVICES CAMBRIDGE ON

74537862003043610088236

$84.75

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RBC Visa Infinite AvionSANU ARACKAPARAMPIL J 4514 0116 0034 4244

STATEMENT FROM DEC 07, 2011 TO JAN 06, 2012

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.

Use your RBC Royal Bank VisaJ card to takeadvantage of great offers from top Canadiaand U.S. retailers. Browse the offers and enjothe savings when you Go with Visa.Visit visaperks.ca to learn more.

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SANU ARACKAPARAMPIL J4514 0116 0034 4244 PRIMARY (continued)

TRANSACTION POSTINGACTIVITY DESCRIPTION AMOUNT ($)

DATE DATE

JAN 03 JAN 04 MR. INDIA GROCERS MISSISSAUGA ON

74537862004032502111866

$13.58

JAN 04 JAN 06 SOBEYS #922 QPS MISSISSAUGA ON

74537862005043637014973

$21.88

JAN 06 JAN 06 PURCHASE INTEREST 19.99% $20.11

JAN 06 JAN 06 CASH ADVANCE INTEREST 5.99% $33.06

NEW BALANCE $455.78

Time to Pay

If you make only the Minimum Payment each month, we estimate it will

take 3 year(s) and 7 month(s) to fully repay the outstanding balance. Our

estimate is based on the New Balance shown on this statement and your

current credit card account terms.

Please note:

As of February 21, 2012, the new BalanceProtector PremiereTM plan will be

available to eligible RBC Royal Bank credit card cardholders. This creditors

group insurance provides coverage for loss of life, accidental

dismemberment, critical illness, total disability, involuntary unemployment,

or loss of self-employment income, all bundled together under a single

premium cost. The plan also provides Lifetime Milestones service, which

helps you celebrate specific milestones in your life by paying you a special

monthly benefit. BalanceProtector Premiere plan coverage is a valuablecomponent of your overall financial plan because it helps take care of your

financial obligations in the event of death or interruption to your earnings,

and helps you maintain a good credit rating. For inquiries, please contact

1-888-896-2766, Monday to Friday, 8am to 8pm.

Underwritten and provided by American Bankers Life Assurance Company of Florida and American Bankers Insurance

Company of Florida (also known as Assurant SolutionsJ ).

/ TM Trademark(s) of Royal Bank of Canada.

J Assurant Solutionsis a registered trademark of Assurant Inc.

INTEREST RATE CHART

Rate (%)Remaining

Expiry DateBalance**

19.99 $402.61

** The"Determination of Interest" section on the back ofyour statement explainshow interest is

charged and how you mayavoid interest charges on purchases and fees and the "Applying your

payments" section explainshow payments are applied tothe Remaining Balancesshown above.