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) Three Months Ended March 31, 2018 Year Ended December 31, 2017 Year Ended December 31, 2016 Year Ended December 31, 2015 Average Pool Balance $11,084,694,761 $11,182,952,439 $11,243,136,886 $9,714,398,862(1) Net Write-offs(2) ........................ $65,537,647 $246,950,590 $272,411,002 $202,258,306 Average Net Write-off Ratio(3).. 2.37% 2.21% 2.43% 2.08%

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) Three Months Ended March 31, 2018 Year Ended December 31, 2017 Year Ended December 31, 2016 Year Ended December 31, 2015 Year Ended December 31, 2014 Average Pool Balance $11,084,694,761 $11,182,952,439 11,159,460,029 $11,243,136,886 $9,714,398,862(1) $9,536,364,983(2) Net Write-offs(2offs(3) ........................ $65,537,647 $246,950,590 65,356,315 $272,411,002 $202,258,306 $205,174,573 Average Net Write-off Ratio(3Ratio(4).. 2.37% 2.212.34% 2.43% 2.08% 2.15%

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) Three Months Ended March 31, 2020 Year Ended December 31, 2019 Year Ended December 31, 2018 Year Ended December 31, 2017 Year Ended December 31, 2016 Year Ended December 31, 2015 Average Pool Balance Balance(1) $11,084,694,761 10,419,981,454 $10,800,808,684 $11,104,635,225 $11,182,952,439 $11,243,136,886 $9,714,398,862(1) Net Write-offs(2) ........................ $65,537,647 61,873,001 $252,094,196 $252,650,981 $246,950,590 $272,411,002 $202,258,306 Average Net Write-off Ratio(3).. 2.372.38% 2.33% 2.28% 2.21% 2.43% 2.08%

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) Three Six Months Ended March 31, 2018 Year Ended December 31June 30, 2017 Year Ended December 31, 2016 Year Ended December 31, 2015 Year Ended December 31, 2014 Average Pool Balance $11,084,694,761 $11,182,952,439 11,112,316,537 $11,243,136,886 $9,714,398,862(1) $9,536,364,983(2) Net Write-offs(2offs(3) ........................ $65,537,647 $246,950,590 131,139,459 $272,411,002 $202,258,306 $205,174,573 Average Net Write-off Ratio(3Ratio(4).. 2.37% 2.212.36% 2.43% 2.08% 2.15%

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) Three Six Months Ended March June 30, 2019 Year Ended December 31, 2018 Year Ended December 31, 2017 Year Ended December 31, 2016 Year Ended December 31, 2015 Average Pool Balance Balance(1) $11,084,694,761 10,794,506,492 $11,104,635,225 $11,182,952,439 $11,243,136,886 $9,714,398,862(1) Net Write-offs(2) ........................ $65,537,647 120,766,548 $252,650,981 $246,950,590 $272,411,002 $202,258,306 Average Net Write-off Ratio(3).. 2.372.24% 2.28% 2.21% 2.43% 2.08%

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) Three Months Ended March 31, 2018 Year Ended December 31, 2017 Year Ended December 31, 2016 Year Ended December 31, 2015 Average Pool Balance ................ $11,084,694,761 11,434,504,691 $11,182,952,439 9,704,632,152(1) $11,243,136,886 9,343,327,820 $9,714,398,862(19,935,627,017(2) Net Write-offs(2offs(3) ........................ ......................... $65,537,647 103,123,101 $246,950,590 136,592,649 $272,411,002 121,518,559 $202,258,306 188,027,451 Average Net Write-off Ratio(3).. 2.37Ratio(4) ... 1.81% 2.211.41% 2.431.30% 2.081.89%

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) Three Nine Months Ended March 31, 2018 Year Ended December 31, 2017 Year Ended December 31, 2016 Year Ended December 31, 2015 Average Pool Balance $11,084,694,761 $11,182,952,439 11,160,173,806 $11,243,136,886 $9,714,398,862(1) $9,536,364,983(2) Net Write-offs(2offs(3) ........................ $65,537,647 $246,950,590 187,799,140 $272,411,002 $202,258,306 $205,174,573 Average Net Write-off Ratio(3Ratio(4).. 2.37% 2.212.25% 2.43% 2.08% 2.15%

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) Three Nine Months Ended March September 30, 2019 Year Ended December 31, 2018 Year Ended December 31, 2017 Year Ended December 31, 2016 Year Ended December 31, 2015 Average Pool Balance Balance(1) $11,084,694,761 10,819,795,542 $11,104,635,225 $11,182,952,439 $11,243,136,886 $9,714,398,862(1) Net Write-offs(2) ........................ ....................... $65,537,647 189,073,705 $252,650,981 $246,950,590 $272,411,002 $202,258,306 Average Net Write-off Ratio(3).. 2.37) . 2.33% 2.28% 2.21% 2.43% 2.08%

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) Three Nine Months Ended March 31September 30, 2018 2023 Year Ended December 31, 2017 2022 Year Ended December 31, 2016 2021 Year Ended December 31, 2015 2020 Average Pool Balance ................ $11,084,694,761 11,582,483,139 $11,182,952,439 9,704,632,152(1) $11,243,136,886 9,343,327,820 $9,714,398,862(19,935,627,017(2) Net Write-offs(2offs(3) ........................ ......................... $65,537,647 158,701,716 $246,950,590 136,592,649 $272,411,002 121,518,559 $202,258,306 188,027,451 Average Net Write-off Ratio(3).. 2.37Ratio(4) ... 1.83% 2.211.41% 2.431.30% 2.081.89%

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) Three Six Months Ended March 31June 30, 2018 Year Ended December 31, 2017 Year Ended December 31, 2016 Year Ended December 31, 2015 Average Pool Balance $11,084,694,761 11,041,947,656 $11,182,952,439 $11,243,136,886 $9,714,398,862(1) Net Write-offs(2) ........................ $65,537,647 130,300,796 $246,950,590 $272,411,002 $202,258,306 Average Net Write-off Ratio(3).. 2.372.36% 2.21% 2.43% 2.08%

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) Three Months Ended March 31, 2018 Year Ended December 31, 2017 Year Ended December 31, 2016 Year Ended December 31, 2015 Average Pool Balance ................ $11,084,694,761 11,338,969,389 $11,182,952,439 9,704,632,152(1) $11,243,136,886 9,343,327,820 $9,714,398,862(19,935,627,017(2) Net Write-offs(2offs(3) ........................ ......................... $65,537,647 48,757,819 $246,950,590 136,592,649 $272,411,002 121,518,559 $202,258,306 188,027,451 Average Net Write-off Ratio(3).. 2.37Ratio(4) ... 1.72% 2.211.41% 2.431.30% 2.081.89%

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) Three Months Year Ended March December 31, 2018 Year Ended December 31, 2017 Year Ended December 31, 2016 Year Ended December 31, 2015 Average Pool Balance Balance(1) ................. $11,084,694,761 11,104,635,225 $11,182,952,439 $11,243,136,886 $9,714,398,862(1) Net Write-offs(2) ........................ .............................. $65,537,647 252,650,981 $246,950,590 $272,411,002 $202,258,306 Average Net Write-off Ratio(3).. 2.37........ 2.28% 2.21% 2.43% 2.08%

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) Three Months Ended March 31, 2019 Year Ended December 31, 2018 Year Ended December 31, 2017 Year Ended December 31, 2016 Year Ended December 31, 2015 Average Pool Balance Balance(1) $11,084,694,761 10,843,501,181 $11,104,635,225 $11,182,952,439 $11,243,136,886 $9,714,398,862(1) Net Write-offs(2) ........................ $65,537,647 60,646,927 $252,650,981 $246,950,590 $272,411,002 $202,258,306 Average Net Write-off Ratio(3).. 2.372.24% 2.28% 2.21% 2.43% 2.08%

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) Three Six Months Ended March 31June 30, 2018 2021 Year Ended December 31, 2017 2020 Year Ended December 31, 2016 2019 Year Ended December 31, 2015 2018 Average Pool Balance Balance................ $11,084,694,761 9,193,956,157 $11,182,952,439 9,935,627,017(1) $11,243,136,886 10,800,808,684 $9,714,398,862(1) 11,104,635,225 Net Write-offs(2) ........................ ......................... $65,537,647 65,488,337 $246,950,590 188,027,451 $272,411,002 252,094,196 $202,258,306 252,650,981 Average Net Write-off Ratio(3).. 2.37... 1.43% 2.211.89% 2.432.33% 2.082.28%

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) Three Months Ended March 31, 2018 Year Ended December 31, 2017 2022 Year Ended December 31, 2016 2021 Year Ended December 31, 2015 2020 Average Pool Balance ............................... $11,084,694,761 9,704,632,152(1) $11,182,952,439 9,343,327,820 $11,243,136,886 $9,714,398,862(19,935,627,017(2) Net Write-offs(2offs(3) ........................ ........................................ $65,537,647 136,592,649 $246,950,590 121,518,559 $272,411,002 $202,258,306 188,027,451 Average Net Write-off Ratio(3).. 2.37Ratio(4) .................. 1.41% 2.211.30% 2.43% 2.081.89%

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) Three Nine Months Ended March 31September 30, 2018 2021 Year Ended December 31, 2017 2020 Year Ended December 31, 2016 2019 Year Ended December 31, 2015 2018 Average Pool Balance ................ $11,084,694,761 9,264,114,975 $11,182,952,439 9,935,627,017(1) $11,243,136,886 10,800,808,684 $9,714,398,862(1) 11,104,635,225 Net Write-offs(2) ........................ ......................... $65,537,647 92,795,946 $246,950,590 188,027,451 $272,411,002 252,094,196 $202,258,306 252,650,981 Average Net Write-off Ratio(3).. 2.37... 1.34% 2.211.89% 2.432.33% 2.082.28%

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) Three Months Ended March 31, 2018 Year Ended December 31, 2017 Year Ended December 31, 2016 Year Ended December 31, 2015 Average Pool Balance $11,084,694,761 $11,182,952,439 $11,243,136,886 $9,714,398,862(1) Net Write-offs(2) ........................ $65,537,647 $246,950,590 $272,411,002 $202,258,306 Average Net Write-off Ratio(3).. 2.37% 2.21% 2.43% 2.08%

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) Three Months Ended March 31, 2018 2021 Year Ended December 31, 2017 2020 Year Ended December 31, 2016 2019 Year Ended December 31, 2015 2018 Average Pool Balance ................ $11,084,694,761 9,271,012,949 $11,182,952,439 9,935,627,017(1) $11,243,136,886 10,800,808,684 $9,714,398,862(1) 11,104,635,225 Net Write-offs(2) ........................ ......................... $65,537,647 32,082,673 $246,950,590 188,027,451 $272,411,002 252,094,196 $202,258,306 252,650,981 Average Net Write-off Ratio(3).. 2.37... 1.39% 2.211.89% 2.432.33% 2.082.28%

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) Three Months Ended March 31, 2018 2024 Year Ended December 31, 2017 2023 Year Ended December 31, 2016 2022 Year Ended December 31, 2015 2021 Average Pool Balance ................ $11,084,694,761 11,845,674,043 $11,182,952,439 11,701,110,170 $11,243,136,886 9,704,632,152(1) $9,714,398,862(1) 9,343,327,820 Net Write-offs(2) ........................ ......................... $65,537,647 67,583,642 $246,950,590 221,745,020 $272,411,002 136,592,649 $202,258,306 121,518,559 Average Net Write-off Ratio(3).. 2.37) ... 2.28% 2.211.89% 2.431.41% 2.081.30%

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) Three Six Months Ended March 31June 30, 2018 2024 Year Ended December 31, 2017 2023 Year Ended December 31, 2016 2022 Year Ended December 31, 2015 2021 Average Pool Balance ................ $11,084,694,761 11,860,076,183 $11,182,952,439 11,701,110,170 $11,243,136,886 9,704,632,152(1) $9,714,398,862(1) 9,343,327,820 Net Write-offs(2) ........................ ......................... $65,537,647 138,487,563 $246,950,590 221,745,020 $272,411,002 136,592,649 $202,258,306 121,518,559 Average Net Write-off Ratio(3).. 2.37) ... 2.34% 2.211.89% 2.431.41% 2.081.30%

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) Three Months Year Ended March December 31, 2019 Year Ended December 31, 2018 Year Ended December 31, 2017 Year Ended December 31, 2016 Year Ended December 31, 2015 Average Pool Balance Balance(1) $11,084,694,761 10,800,808,684 $11,104,635,225 $11,182,952,439 $11,243,136,886 $9,714,398,862(1) Net Write-offs(2) ........................ ........................................ $65,537,647 252,094,196 $252,650,981 $246,950,590 $272,411,002 $202,258,306 Average Net Write-off Ratio(3).. 2.37) .................. 2.33% 2.28% 2.21% 2.43% 2.08%

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) Three Six Months Ended March June 30, 2020 Year Ended December 31, 2019 Year Ended December 31, 2018 Year Ended December 31, 2017 Year Ended December 31, 2016 Year Ended December 31, 2015 Average Pool Balance $11,084,694,761 9,870,661,540(1) $10,800,808,684 $11,104,635,225 $11,182,952,439 $11,243,136,886 $9,714,398,862(1) Net Write-offs(2) ........................ $65,537,647 113,959,709 $252,094,196 $252,650,981 $246,950,590 $272,411,002 $202,258,306 Average Net Write-off Ratio(3).. 2.372.31% 2.33% 2.28% 2.21% 2.43% 2.08%

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) Three Months Ended March 31, 2018 Year Ended December 31, 2017 2021 Year Ended December 31, 2016 2020 Year Ended December 31, 2015 2019 Average Pool Balance ............................... $11,084,694,761 9,343,327,820 $11,182,952,439 9,935,627,017(1) $11,243,136,886 $9,714,398,862(1) 10,800,808,684 Net Write-offs(2) ........................ ........................................ $65,537,647 121,518,559 $246,950,590 188,027,451 $272,411,002 $202,258,306 252,094,196 Average Net Write-off Ratio(3).. 2.37) .................. 1.30% 2.211.89% 2.43% 2.082.33%

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) Three Nine Months Ended March September 30, 2020 Year Ended December 31, 2019 Year Ended December 31, 2018 Year Ended December 31, 2017 Year Ended December 31, 2016 Year Ended December 31, 2015 Average Pool Balance $11,084,694,761 9,925,716,243(1) $10,800,808,684 $11,104,635,225 $11,182,952,439 $11,243,136,886 $9,714,398,862(1) Net Write-offs(2) ........................ $65,537,647 157,098,856 $252,094,196 $252,650,981 $246,950,590 $272,411,002 $202,258,306 Average Net Write-off Ratio(3).. 2.372.11% 2.33% 2.28% 2.21% 2.43% 2.08%