0001181431-09-057583 4 1 20091216 20091217 20091217 McKay David I. 0001427507 4 34 001-33977 091248143 THE ROYAL BANK OF CANADA 200 BAY STREET TORONTO A6 M5J 2J5 VISA INC. 0001403161 7389 260267673 DE 0930 P.O. BOX 8999 SAN FRANCISCO CA 94128-8999 (415) 932-2100 P.O. BOX 8999 SAN FRANCISCO CA 94128-8999 Visa Inc. 20070614 4 1 rrd260225.xml FORM 4