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, 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. 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, 2018 Year Ended December 31, 2017 Year Ended December 31, 2016 Year Ended December 31, 2015 Year Ended December 31, 2014 Year Ended December 31, 2013 Average Pool Balance $11,081,072,930 $11,182,952,439 $11,243,136,886 11,161,215,746 $9,714,398,862(1) $9,536,364,983(2) $8,305,415,067 Net Write-offs(2offs(3) ........................ $192,587,779 $246,950,590 $272,411,002 143,844,874 $202,258,306 $205,174,573 $184,102,323 Average Net Write-off Ratio(3Ratio(4).. 2.32% 2.21% 2.432.58% 2.08% 2.15% 2.22%

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. 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, 2018 Year Ended December 31, 2017 Year Ended December 31, 2016 Year Ended December 31, 2015 Year Ended December 31, 2014 Average Pool Balance $11,081,072,930 $11,182,952,439 $11,243,136,886 $9,714,398,862(1) $9,536,364,983(2) Net Write-offs(2offs(3) ........................ $192,587,779 $246,950,590 $272,411,002 $202,258,306 $205,174,573 Average Net Write-off Ratio(3Ratio(4).. 2.32% 2.21% 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. 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, 2018 Year Ended December 31, 2017 Year Ended December 31, 2016 Year Ended December 31, 2015 Year Ended December 31, 2014 Year Ended December 31, 2013 Average Pool Balance $11,081,072,930 $11,182,952,439 $11,243,136,886 11,203,884,911 $9,714,398,862(1) $9,536,364,983(2) $8,305,415,067 Net Write-offs(2offs(3) ........................ $192,587,779 $246,950,590 $272,411,002 209,220,517 $202,258,306 $205,174,573 $184,102,323 Average Net Write-off Ratio(3Ratio(4).. 2.32% 2.21% 2.432.49% 2.08% 2.15% 2.22%

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. 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 30, 2018 Year Ended December 31, 2017 Year Ended December March 31, 2016 Year Ended December 31, 2015 Year Ended December 31, 2014 Year Ended December 31, 2013 Average Pool Balance $11,081,072,930 $11,182,952,439 $11,243,136,886 11,201,875,904 $9,714,398,862(1) $9,536,364,983(2) $8,305,415,067 Net Write-offs(2offs(3) ........................ $192,587,779 $246,950,590 $272,411,002 68,816,150 $202,258,306 $205,174,573 $184,102,323 Average Net Write-off Ratio(3Ratio(4).. 2.32% 2.21% 2.432.46% 2.08% 2.15% 2.22%