Royal Bank of Canada : Golden Credit Card Trust Monthly Noteholders Report (August 2026)

About this update from Royal Bank Of Canada

MONTHLY NOTEHOLDER'S REPORT OF GOLDEN CREDIT CARD TRUST Canadian Dollars unless otherwise specified With respect to the Series set forth below Royal Bank of Canada ("RBC"), as Servicer (the "Servicer") under the Pooling and Servicing Agreement, dated as of October 30, 2009 (as amended and restated, the "Pooling and Servicing Agreement") between the Servicer and Computershare Advantage Trust of Canada (formerly, BNY Trust Company of Canada (1) ), 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, is required to prepare certain information each month regarding the distributions to the Noteholders and the performance of the custodial pool of credit card receivables during the previous month. Capitalized terms used herein are defined in the Trust Indenture, the Supplemental Indentures, the applicable Series Purchase Agreement, and the Pooling and Servicing Agreement. The information required to be prepared with respect to the Distribution Day and with respect to the performance of the custodial pool of credit card receivables during the month of the Determination Period that is set forth below and with respect to the payments, allocations and deposits made on the Distribution Day that is set forth below. Outstanding Series on the Determination Day Series 2022-1 Series 2022-3 Series 2023-1 Determination Day: Determination Period: Number of Days in Determination Period: 08/31/2026 August 2026 31 Distribution Day: 09/15/2026 Prior Determination Period: July 2026 (1) Computershare Trust Company of Canada acquired BNY Trust Company of Canada on March 3, 2025 and upon closing changed its name to Computershare Advantage Trust of Canada. Note: On February 28, 2025, CIBC Mellon Trust Company resigned and BNY Trust Company of Canada was appointed as Indenture Trustee. Computershare Trust Company of Canada acquired BNY Trust Company of Canada on March 3, 2025 and upon closing changed its name to Computershare Advantage Trust of Canada. MONTHLY NOTEHOLDER'S REPORT OF GOLDEN CREDIT CARD TRUST Canadian Dollars unless otherwise specified DEAL PARAMETERS Series 2022-1 Series 2022-3 Series 2023-1 Initial Note Balance in Original Currency Class A US$500,000,000.00 US$1,000,000,000.00 US$1,000,000,000.00 Class B US$24,064,000.00 US$46,639,000.00 (1) US$47,813,000.00 (3) Class C US$10,696,000.00 US$20,728,000.00 (2) US$21,250,000.00 (4) % (CAD) Class A 93.5% 93.5% 93.5% Class B 4.5% 4.5% 4.5% Class C 2.0% 2.0% 2.0% Swap Notional if applicable Class A $635,900,000.00 $1,315,000,000.00 $1,348,100,000.00 Class B $30,604,595.20 $63,288,770.00 $64,882,000.00 Class C $13,603,172.80 $28,128,342.00 $28,837,000.00 Note Coupon rate Class A 1.97000% SOFR + 120 bps SOFR + 120 bps Class B 2.36000% 6.86000% 6.35000% Class C 2.66000% 8.00000% 7.66000% Note Coupon Payment Frequency Class A Monthly Monthly Monthly Class B Monthly Monthly Monthly Class C Monthly Monthly Monthly Swap pay rate if applicable Class A 2.29000% 4.40000% 4.06200% Class B 2.66400% 5.79300% 5.57500% Class C 2.96400% 6.84300% 6.82500% Series Issuance Date 02/03/2022 07/22/2022 04/14/2023 Expected Final Payment Date 01/15/2027 07/16/2029 04/17/2028 Prescription Date (legal final) 01/15/2029 07/15/2031 04/15/2030 NOTE PRINCIPAL Series 2022-1 Series 2022-3 Series 2023-1 Beginning Note Principal Amount in Original Currency Class A US$500,000,000.00 US$1,000,000,000.00 US$1,000,000,000.00 Class B US$24,064,000.00 US$46,639,000.00 US$47,813,000.00 Class C US$10,696,000.00 US$20,728,000.00 US$21,250,000.00 Ending Note Principal Amount in Original Currency Class A US$500,000,000.00 US$1,000,000,000.00 US$1,000,000,000.00 Class B US$24,064,000.00 US$46,639,000.00 US$47,813,000.00 Class C US$10,696,000.00 US$20,728,000.00 US$21,250,000.00 Notes: USD 46,639,000 Class B notes converted from CAD to USD and issued on December 15, 2023. USD 20,728,000 Class C notes converted from CAD to USD and issued on December 15, 2023. USD 47,813,000 Class B notes converted from CAD to USD and issued on December 15, 2023. USD 21,250,000 Class C notes converted from CAD to USD and issued on December 15, 2023. MONTHLY NOTEHOLDER'S REPORT OF GOLDEN CREDIT CARD TRUST Canadian Dollars unless otherwise specified COLLATERAL AMOUNTS AND ALLOCATION PERCENTAGES Series 2022-1 Series 2022-3 Series 2023-1 Remaining Months until Expected Final Payment Date 4 34 19 Beginning Invested Amount $680,107,768.00 $1,406,417,112.00 $1,441,819,000.00 Uncovered Loss & Deficiency $0.00 $0.00 $0.00 Deposit in reduction of Invested Amount $0.00 $0.00 $0.00 Ending Invested Amount $680,107,768.00 $1,406,417,112.00 $1,441,819,000.00 Floating Allocation Percentage 5.02% 10.37% 10.64% Series Share 5.02% 10.37% 10.64% Series Allocation Percentage 19.28% 39.86% 40.86% IV. SERIES ACCOUNT BALANCES Series 2022-1 Series 2022-3 Series 2023-1 1) Distribution Account Beginning Balance $964.21 $2,511.46 $2,495.74 Deposit $2,631,923.67 $10,578,094.65 $10,060,628.93 Withdraw -$2,631,982.70 -$10,578,560.81 -$10,061,054.30 Ending Balance $905.18 $2,045.30 $2,070.37 2) Reserve Account Begininng Balance $0.00 $0.00 $0.00 Deposit $0.00 $0.00 $0.00 Withdraw $0.00 $0.00 $0.00 Interest Income $0.00 $0.00 $0.00 Ending Balance $0.00 $0.00 $0.00 V. KEY PORTFOLIO PERFORMANCE STATISTICS Series 2022-1 Series 2022-3 Series 2023-1 Portfolio Yield 25.86% 25.86% 25.86% Yield on Eligible Investments 0.00% 0.00% 0.00% Blended Coupon and Additional Funding Expenses 2.34% 4.53% 4.21% Net Written-off Percentage (net of Recoveries) 2.97% 2.97% 2.97% SERIES EXCESS SPREAD % Series Income Share $14,992,754.51 $31,004,007.70 $31,784,430.82 Funding Costs $1,314,959.71 $5,287,232.30 $5,028,414.47 Additional Funding Expenses $12,314.93 $25,466.44 $26,107.47 Series Pool Losses $2,018,785.74 $4,174,713.10 $4,279,797.66 Excess Series Income Share $11,646,694.13 $21,516,595.87 $22,450,111.22 Invested Amount $680,107,768.00 $1,406,417,112.00 $1,441,819,000.00 Series Excess Spread % - Current Determination Period 20.55% 18.36% 18.68% Series Excess Spread % - Prior Determination Period 21.17% 18.98% 19.31% Series Excess Spread % - 2nd prior Determination Period 21.44% 19.24% 19.57% Series Excess Spread % - 3 month average 21.05% 18.86% 19.19% Excess of Series Income Share over Funding Costs and other series allocable expenses 3 month average $10,798,360.55 $19,762,413.68 $20,651,755.81 Test if >0 in compliance? Yes Yes Yes MONTHLY NOTEHOLDER'S REPORT OF GOLDEN CREDIT CARD TRUST Canadian Dollars unless otherwise specified VI. POOL BALANCE, COLLECTIONS, & RETAINED INTEREST POOL BALANCE ROLLFORWARD: Number of Accounts (1) Beginning Pool Balance $13,556,781,392.95 10,328,487 (2) Principal Receivables billed $8,165,134,522.04 (3) Miscellaneous debits & debit adjustments $14,695,549.86 (4) Principal Receivables balance in added Accounts at beginning of Determination Day $0.00 (5) Principal Receivables balance of Removed Accounts $0.00 (6) Total payments of Principal Receivables (net of Recoveries) $7,686,254,832.08 (7) Written-off Amounts in respect of Principal (i.e. charge-offs) $40,241,029.75 (8) Miscellaneous credits & credit adjustments $270,115,448.71 (1)+(2)+(3)+(4)-(5)-(6)-(7)-(8) Ending Pool Balance $13,740,000,154.31 10,351,387 COLLECTIONS: (1) Recoveries $6,740,539.10 (2) Collections of Principal Receivables $7,686,254,832.08 (3) Collections of Finance Charge Receivables (net of Recoveries) $292,114,296.44 (1)+(2)+(3) Total Collections $7,985,109,667.62 Monthly Payment Rate current Determination Period (Total Collections net of Recoveries as % of Beginning Pool Balance) 58.90% Monthly Payment Rate prior Determination Period 61.57% Monthly Payment Rate second prior Determination Period 63.16% Average latest three Determination Periods Test: Average Payment Rate > or = 10.00% In compliance? (Yes/No) If No, then Amortization Event 61.21% Yes Portfolio Yield current Determination Period 25.86% (Finance Charge Collections net of Recoveries as % of Beginning Pool Balance) Portfolio Yield prior Determination Period 26.29% Portfolio Yield second prior Determination Period 26.71% Average latest three Determination Periods 26.29% DELINQUENCIES: Total Receivables % of Total Receivables Number of Accounts % of Accounts 31-60 days delinquent $110,220,922 0.80% 10,672 0.10% 61-90 days delinquent $82,900,765 0.60% 6,558 0.06% 91-120 days delinquent $57,739,387 0.42% 4,025 0.04% 121-150 days delinquent $32,970,994 0.24% 2,211 0.02% > 150 days delinquent $30,500,932 0.22% 1,708 0.02% Total $314,333,000 2.28% 25,174 0.24% MONTHLY NOTEHOLDER'S REPORT OF GOLDEN CREDIT CARD TRUST Canadian Dollars unless otherwise specified WRITTEN-OFF AMOUNTS: Written-off Amounts (i.e. charge-offs) $40,241,029.75 Recoveries $6,740,539.10 Net Written-off Amounts $33,500,490.65 Written-off percentage (annualized) 3.56% Recovery percentage (annualized) 0.60% Net Written-off percentage (annualized) 2.97% Number of Written-off Accounts 2,285 RETAINED INTEREST: (1) Total Invested Amount $3,528,343,880.00 (2) Required Pool Percentage 107% (1)x(2)=(3) Required Pool Balance $3,775,327,951.60 (4) $13,740,000,154.31 (4)/(1)=(5) Pool Percentage Test: Ending Pool Balance >= Required Pool Balance In compliance? (Yes/No) 389% Yes (1) Pool Balance 100.00% $13,740,000,154.31 (2) Total Invested Amount 25.68% $3,528,343,880.00 (1)-(2) Retained Interest 74.32% $10,211,656,274.31 CREDIT RISK RETENTION (REGULATION RR): (1) Retained Interest $10,211,656,274.31 (2) Aggregate Principal Amount of Notes (CAD Equivalent) $3,528,343,880.00 (1)/(2)=(3) Seller's Interest Percentage 289.42% REPURCHASE DEMAND ACTIVITY (Rule 15Ga-1): No Activity to Report Most Recent Form ABS - 15G Filed by: Royal Bank of Canada CIK#: 0001000275 Filing Date: February 12, 2026

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