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*21E000

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ROYAL BANK OF CANADA

1090 DON MILLS RDNORTH YORK ONM3C 3R6

Your RBC Homeline PlaStatemen

From July 1, 2011 to July 31,

Your RBC Homeline Plan number: 6478614

How to reach us: 1-800-769-2

www.rbcroyalbank.com/home

RBCHL10005_7239499_029 E D 06142 01272

YUN CHENG CAIFANG JENNIFER ZHANG1840 JOHN STREETTHORNHILL ONL3T 1Z1

Weve improved your statement!

You may have noticed some changes to

your statement this month. Weve

reorganized some of the content and

updated a few of the transaction

descriptions to make it easier to

understand.

If you have any questions or concerns,

please call us at 18007692511.

RBC Homeline Plan Summary

RBC Homeline Plan Total Credit Limit $224,000.00

Available Credit $95,743.03

Outstanding Balance $128,256.97

Borrower(s): YUN CHENG CAI;FANG JENNIFER ZHANG

Royal Credit Line

Your RBC Homeline Plan at a glance

AccountPaymentFrequency

CurrentInterest

Rate (%)Payments

Received ($) Credit Limit ($)AvailableCredit ($)

OutstaBalan

41515511-001**H Monthly 3.000 108.08 142,743.03 95,743.03 47,00

Mortgage Loan

41515487-001J Bi-weeklyAccelerated

2.400 1,000.00 N/A N/A 81,25

Total $1,108.08 $95,743.03 $128,25

For information about your HomeProtector

/LoanProtector

insurance coverage please refer to the insurance section of this state

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ROYAL BANK OF CANADA1090 DON MILLS RD

NORTH YORK ONM3C 3R6

Your RBC Homeline Plan StatemeFrom July 1, 2011 to July 31,

Your plan number: 6478614

*22F000

000*

Your HomeProtector/LoanProtector insurance coverage summaryRoyal Credit Line 41515511001

Yun Cheng Cai, you do not have Life & Disability Insurance for this Royal Credit Line account

Fang Jennifer Zhang, you do not have Life & Disability Insurance for this Royal Credit Line account

Mortgage 41515487001

Fang Jennifer Zhang, you do not have Life & Disability Insurance for this mortgage.

Yun Cheng Cai, you do not have Life & Disability Insurance for this mortgage.

Any errors in the above insurance coverage status must be reported to the Insurance Service Center within 45 days of the statement date. Iyou have any questions about HomeProtector or LoanProtector insurance contact us at: 1-800-769-2523.

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Your RBC Homeline Plan StatementFrom July 1, 2011 to July 31, 2011

Your plan number: 6478614-001

Helpful explanations of key terms to understand your statement

What is my minimum payment? The total interest costs is your minimum payment for the statement period unless you have arrangedo make alternate payments that exceeds your total interest costs. If you have selected to make an alternate regular payment thatxceeds your total interest cost,then it is your minimum payment for the period. Automatic regular payments are displayed as yourPayment amount" in the "Details of your account" section of your statement.

nterest past due -Interest owing on your last payment date but was not paid with your last payment(s).

Amount past due -Principal and/or interest owing on your last payment date but was not paid with your last payment(s).

Total interest costs -Amount of interest owing over the statement period based on the outstanding balance of your loan account.

Total fees -Fees and other charges related to your loan account. These fees include (but are not limited to): Over limit fee, NSFnon-sufficient funds) fee, Stop payment fee and Cheque fee.

Withdrawals -"Withdrawals" from your account include all debits that increase principal balance on your loan account.

Payments -"Payments" to your account include credits towards the outstanding principal, interest, fees and/or insurance premiums

on your loan account. If a payment is due on a Saturday, Sunday or othernon-business day, your payment will be processed on the nextollowing business day and interest will continue to accrue.

Adjustments -"Adjustments" include any modification and/or correction made to your account. Adjustments also include anybackdated payments/transactions.

Fees/Interest/Insurance -These transactions are shown in your account activity but have been processed directly to your designatedpayment account and do not impact the outstanding balance of your Royal Credit Line account.

Please keep this statement. Additional copies will be subject to a fee.

How to make Interest or Principal Payments on your Royal Credit Line accountnterest payments can be made through automatic debit to your RBC Royal Bank account or your account at another Canadianinancial institution. Principal payments can also be made via automatic debit or through RBC Royal Bank ATM, Telephone Banking,

and Online Banking or at any RBC Royal Bank branch.

Error on Statement

Any error must be reported within 45 days of the statement date. For questions about your RBC Homeline Plan Statement, please call-800-769-2511. Please have your client card available.

HomeProtector/LoanProtector

These group creditor insurance programs, underwritten by The Canada Life Assurance Company, are subject to terms, conditions,xclusions and eligibility restrictions. Please see the HomeProtector/LoanProtector booklets for full details.

Registeredtrademarks of Royal Bank of Canada.RBC and Royal bank are registered trademarksof Royal Bankof Canada.