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. Loss and Delinquency Experience The loss and delinquency experience of the Accounts is as follows: Loss Experience for the Accounts (unaudited) Year Ended December 31, 2017 Year Ended December 31, 2016 Year Ended December 31, 2015 Average Pool Balance $11,182,952,439 $11,243,136,886 $9,714,398,862(1) Net Write-offs(2) ........................ $246,950,590 $272,411,002 $202,258,306 Average Net Write-off Ratio(3).. 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. Loss and Delinquency Experience The loss and delinquency experience of the Accounts is as follows: Loss Experience for the Accounts (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. Loss and Delinquency Experience The loss and delinquency experience of the Accounts is as follows: Loss Experience for the Accounts (unaudited) Year Ended December 31, 2017 2021 Year Ended December 31, 2016 2020 Year Ended December 31, 2015 2019 Average Pool Balance ............................... $11,182,952,439 9,343,327,820 $11,243,136,886 9,935,627,017(1) $9,714,398,862(1) 10,800,808,684 Net Write-offs(2) ........................ ........................................ $246,950,590 121,518,559 $272,411,002 188,027,451 $202,258,306 252,094,196 Average Net Write-off Ratio(3).. 2.21) .................. 1.30% 2.431.89% 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. Loss and Delinquency Experience The loss and delinquency experience of the Accounts is as follows: Loss Experience for the Accounts (unaudited) Six Months Ended 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 $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) ........................ $113,959,709 $252,094,196 $252,650,981 $246,950,590 $272,411,002 $202,258,306 Average Net Write-off Ratio(3).. 2.31% 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. Loss and Delinquency Experience The loss and delinquency experience of the Accounts is as follows: Loss Experience for the Accounts (unaudited) Three Months Ended March 31, 2024 Year Ended December 31, 2017 2023 Year Ended December 31, 2016 2022 Year Ended December 31, 2015 2021 Average Pool Balance ................ $11,182,952,439 11,845,674,043 $11,243,136,886 11,701,110,170 $9,714,398,862(19,704,632,152(1) $9,343,327,820 Net Write-offs(2) ........................ ......................... $246,950,590 67,583,642 $272,411,002 221,745,020 $202,258,306 136,592,649 $121,518,559 Average Net Write-off Ratio(3).. 2.21) ... 2.28% 2.431.89% 2.081.41% 1.30%

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. Loss and Delinquency Experience The loss and delinquency experience of the Accounts is as follows: Loss Experience for the Accounts (unaudited) Six Months Ended June 30, 2023 Year Ended December 31, 2017 2022 Year Ended December 31, 2016 2021 Year Ended December 31, 2015 2020 Average Pool Balance ................ $11,182,952,439 11,434,504,691 $11,243,136,886 9,704,632,152(1) $9,714,398,862(19,343,327,820 $9,935,627,017(2) Net Write-offs(2offs(3) ........................ ......................... $246,950,590 103,123,101 $272,411,002 136,592,649 $202,258,306 121,518,559 $188,027,451 Average Net Write-off Ratio(3).. 2.21Ratio(4) ... 1.81% 2.431.41% 2.081.30% 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. Loss and Delinquency Experience The loss and delinquency experience of the Accounts is as follows: Loss Experience for the Accounts (unaudited) Nine Months Ended Year Ended December 31Year Ended Year Ended September 30, 2017 Year Ended December 31, 2016 Year Ended December 31, 2015 December 31, 2014 Average Pool Balance $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) ........................ $246,950,590 187,799,140 $272,411,002 $202,258,306 $205,174,573 Average Net Write-off Ratio(3Ratio(4).. 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. Loss and Delinquency Experience The loss and delinquency experience of the Accounts is as follows: Loss Experience for the Accounts (unaudited) Year Six Months Ended December 31June 30, 2017 Year Ended December 31, 2016 Year Ended December 31, 2015 Year Ended December 31, 2014 Average Pool Balance $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) ........................ $246,950,590 131,139,459 $272,411,002 $202,258,306 $205,174,573 Average Net Write-off Ratio(3Ratio(4).. 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. Loss and Delinquency Experience The loss and delinquency experience of the Accounts is as follows: Loss Experience for the Accounts (unaudited) Nine Months Ended September 30, 2021 Year Ended December 31, 2017 2020 Year Ended December 31, 2016 2019 Year Ended December 31, 2015 2018 Average Pool Balance ................ $11,182,952,439 9,264,114,975 $11,243,136,886 9,935,627,017(1) $9,714,398,862(1) 10,800,808,684 $11,104,635,225 Net Write-offs(2) ........................ ......................... $246,950,590 92,795,946 $272,411,002 188,027,451 $202,258,306 252,094,196 $252,650,981 Average Net Write-off Ratio(3).. 2.21... 1.34% 2.431.89% 2.082.33% 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. Loss and Delinquency Experience The loss and delinquency experience of the Accounts is as follows: Loss Experience for the Accounts (unaudited) Six Months Ended June 30, 2021 Year Ended December 31, 2017 2020 Year Ended December 31, 2016 2019 Year Ended December 31, 2015 2018 Average Pool Balance Balance................ $11,182,952,439 9,193,956,157 $11,243,136,886 9,935,627,017(1) $9,714,398,862(1) 10,800,808,684 $11,104,635,225 Net Write-offs(2) ........................ ......................... $246,950,590 65,488,337 $272,411,002 188,027,451 $202,258,306 252,094,196 $252,650,981 Average Net Write-off Ratio(3).. 2.21... 1.43% 2.431.89% 2.082.33% 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. Loss and Delinquency Experience The loss and delinquency experience of the Accounts is as follows: Loss Experience for the Accounts (unaudited) Year Ended December 31, 2017 2022 Year Ended December 31, 2016 2021 Year Ended December 31, 2015 2020 Average Pool Balance ............................... $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) ........................ ........................................ $246,950,590 136,592,649 $272,411,002 121,518,559 $202,258,306 188,027,451 Average Net Write-off Ratio(3).. 2.21Ratio(4) .................. 1.41% 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. Loss and Delinquency Experience The loss and delinquency experience of the Accounts is as follows: Loss Experience for the Accounts (unaudited) Year Three Months Ended December March 31, 2017 Year Ended December 31, 2016 Year Ended December 31, 2015 Year Ended December 31, 2014 Average Pool Balance $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) ........................ $246,950,590 65,356,315 $272,411,002 $202,258,306 $205,174,573 Average Net Write-off Ratio(3Ratio(4).. 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. Loss and Delinquency Experience The loss and delinquency experience of the Accounts is as follows: Loss Experience for the Accounts (unaudited) Three Months Ended March 31, 2023 Year Ended December 31, 2017 2022 Year Ended December 31, 2016 2021 Year Ended December 31, 2015 2020 Average Pool Balance ................ $11,182,952,439 11,338,969,389 $11,243,136,886 9,704,632,152(1) $9,714,398,862(19,343,327,820 $9,935,627,017(2) Net Write-offs(2offs(3) ........................ ......................... $246,950,590 48,757,819 $272,411,002 136,592,649 $202,258,306 121,518,559 $188,027,451 Average Net Write-off Ratio(3).. 2.21Ratio(4) ... 1.72% 2.431.41% 2.081.30% 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. Loss and Delinquency Experience The loss and delinquency experience of the Accounts is as follows: Loss Experience for the Accounts (unaudited) Three Months Ended March 31, 2021 Year Ended December 31, 2017 2020 Year Ended December 31, 2016 2019 Year Ended December 31, 2015 2018 Average Pool Balance ................ $11,182,952,439 9,271,012,949 $11,243,136,886 9,935,627,017(1) $9,714,398,862(1) 10,800,808,684 $11,104,635,225 Net Write-offs(2) ........................ ......................... $246,950,590 32,082,673 $272,411,002 188,027,451 $202,258,306 252,094,196 $252,650,981 Average Net Write-off Ratio(3).. 2.21... 1.39% 2.431.89% 2.082.33% 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. Loss and Delinquency Experience The loss and delinquency experience of the Accounts is as follows: Loss Experience for the Accounts (unaudited) Six Months Ended June 30, 2018 Year Ended December 31, 2017 Year Ended December 31, 2016 Year Ended December 31, 2015 Average Pool Balance $11,041,947,656 $11,182,952,439 $11,243,136,886 $9,714,398,862(1) Net Write-offs(2) ........................ $130,300,796 $246,950,590 $272,411,002 $202,258,306 Average Net Write-off Ratio(3).. 2.36% 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. Loss and Delinquency Experience The loss and delinquency experience of the Accounts is as follows: Loss Experience for the Accounts (unaudited) Year Ended December 31, 2017 2019 Year Ended December 31, 2016 2018 Year Ended December 31, 2015 2017 Average Pool Balance Balance(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) ........................ ........................................ $252,094,196 $252,650,981 $246,950,590 $272,411,002 $202,258,306 Average Net Write-off Ratio(3).. ) .................. 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. Loss and Delinquency Experience The loss and delinquency experience of the Accounts is as follows: Loss Experience for the Accounts (unaudited) 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) ................. $11,104,635,225 $11,182,952,439 $11,243,136,886 $9,714,398,862(1) Net Write-offs(2) ........................ .............................. $252,650,981 $246,950,590 $272,411,002 $202,258,306 Average Net Write-off Ratio(3).. ........ 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. Loss and Delinquency Experience The loss and delinquency experience of the Accounts is as follows: Loss Experience for the Accounts (unaudited) Nine Months Ended September 30, 2023 Year Ended December 31, 2017 2022 Year Ended December 31, 2016 2021 Year Ended December 31, 2015 2020 Average Pool Balance ................ $11,182,952,439 11,582,483,139 $11,243,136,886 9,704,632,152(1) $9,714,398,862(19,343,327,820 $9,935,627,017(2) Net Write-offs(2offs(3) ........................ ......................... $246,950,590 158,701,716 $272,411,002 136,592,649 $202,258,306 121,518,559 $188,027,451 Average Net Write-off Ratio(3).. 2.21Ratio(4) ... 1.83% 2.431.41% 2.081.30% 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. Loss and Delinquency Experience The loss and delinquency experience of the Accounts is as follows: Loss Experience for the Accounts (unaudited) Six Months Ended 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) $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) ........................ $120,766,548 $252,650,981 $246,950,590 $272,411,002 $202,258,306 Average Net Write-off Ratio(3).. 2.24% 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. Loss and Delinquency Experience The loss and delinquency experience of the Accounts is as follows: Loss Experience for the Accounts (unaudited) Nine Months Ended 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 $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) ........................ $157,098,856 $252,094,196 $252,650,981 $246,950,590 $272,411,002 $202,258,306 Average Net Write-off Ratio(3).. 2.11% 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. Loss and Delinquency Experience The loss and delinquency experience of the Accounts is as follows: Loss Experience for the Accounts (unaudited) Year Ended December 31, 2017 2020 Year Ended December 31, 2016 2019 Year Ended December 31, 2015 2018 Average Pool Balance ............................... $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) ........................ ........................................ $246,950,590 188,027,451 $272,411,002 252,094,196 $202,258,306 252,650,981 Average Net Write-off Ratio(3).. 2.21) .................. 1.89% 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. Loss and Delinquency Experience The loss and delinquency experience of the Accounts is as follows: Loss Experience for the Accounts (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) $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) ........................ $61,873,001 $252,094,196 $252,650,981 $246,950,590 $272,411,002 $202,258,306 Average Net Write-off Ratio(3).. 2.38% 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. Loss and Delinquency Experience The loss and delinquency experience of the Accounts is as follows: Loss Experience for the Accounts (unaudited) Nine Months Ended September 30, 2018 Year Ended December 31, 2017 Year Ended December 31, 2016 Year Ended December 31, 2015 Average Pool Balance $11,081,072,930 $11,182,952,439 $11,243,136,886 $9,714,398,862(1) Net Write-offs(2) ........................ $192,587,779 $246,950,590 $272,411,002 $202,258,306 Average Net Write-off Ratio(3).. 2.32% 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. Loss and Delinquency Experience The loss and delinquency experience of the Accounts is as follows: Loss Experience for the Accounts (unaudited) Six Months Ended June 30, 2024 Year Ended December 31, 2017 2023 Year Ended December 31, 2016 2022 Year Ended December 31, 2015 2021 Average Pool Balance ................ $11,182,952,439 11,860,076,183 $11,243,136,886 11,701,110,170 $9,714,398,862(19,704,632,152(1) $9,343,327,820 Net Write-offs(2) ........................ ......................... $246,950,590 138,487,563 $272,411,002 221,745,020 $202,258,306 136,592,649 $121,518,559 Average Net Write-off Ratio(3).. 2.21) ... 2.34% 2.431.89% 2.081.41% 1.30%

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. Loss and Delinquency Experience The loss and delinquency experience of the Accounts is as follows: Loss Experience for the Accounts (unaudited) Nine Months Ended 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) $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) ........................ ....................... $189,073,705 $252,650,981 $246,950,590 $272,411,002 $202,258,306 Average Net Write-off Ratio(3).. ) . 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. Loss and Delinquency Experience The loss and delinquency experience of the Accounts is as follows: Loss Experience for the Accounts (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) $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) ........................ $60,646,927 $252,650,981 $246,950,590 $272,411,002 $202,258,306 Average Net Write-off Ratio(3).. 2.24% 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. Loss and Delinquency Experience The loss and delinquency experience of the Accounts is as follows: Loss Experience for the Accounts (unaudited) Year Ended December 31, 2017 Year Ended Year Ended December 31, 2016 Year Ended 2023 December 31, 2015 2022 December 31, 2021 Average Pool Balance ............................... $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) ........................ ........................................ $246,950,590 221,745,020 $272,411,002 136,592,649 $202,258,306 121,518,559 Average Net Write-off Ratio(3).. 2.21) .................. 1.89% 2.431.41% 2.081.30%