ROYAL BANK OF CANADA

1090 DON MILLS RD NORTH YORK ON M3C 3R6

Your RBC Homeline Plan Statement

From July 1, 2011 to July 31, 2011

RBCHL10005_7239499_029 E D 06142

01272
Your RBC Homeline Plan number: 6478614-001 How to reach us:

YUN CHENG CAI FANG JENNIFER ZHANG 1840 JOHN STREET THORNHILL ON L3T 1Z1

1-800-769-2511

www.rbcroyalbank.com/homeline

*21E000000*

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

RBC Homeline Plan Summary

RBC Homeline Plan Total Credit Limit Available Credit Outstanding Balance $224,000.00 $95,743.03 $128,256.97

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.

5085

Your RBC Homeline Plan at a glance

Account Payment Frequency Current Interest Rate (%) Payments Received ($) Credit Limit ($) Available Credit ($) Outstanding Balance ($)

HRI 00 2 1 14

Royal Credit Line

41515511-001** H
Mortgage Loan

Monthly Bi-weekly Accelerated

3.000 2.400

108.08 1,000.00
$1,108.08

142,743.03 N/A

95,743.03 N/A
$95,743.03

47,000.00 81,256.97
$128,256.97

RBCHL10005_7239499_029 0141368

41515487-001 J
Total

For information about your HomeProtector/LoanProtector insurance coverage please refer to the insurance section of this statement.

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Your RBC Homeline Plan Statement

From July 1, 2011 to July 31, 2011
Your plan number: 6478614-001

Details of your Primary Royal Credit Line account 41515511-001

Principal balance on July 1, 2011 Sum of withdrawals including adjustments on your account Sum of payments including adjustments on your account Total interest costs including adjustments on your account Total fees including adjustments on your account Principal balance on July 31, 2011 Payment amount Amount past due Interest past due Current interest rate: Payment due date: Interest payment due date: Prime Rate + 0.000% = 3.000% N/A August 1, 2011 $47,000.00 $108.08 $108.08 $108.08 $0.00 $47,000.00 N/A N/A $0.00

Details of your account activity

Date Description Interest/Fees/Insurance ($) Withdrawals ($) Payments ($) Balance owing ($)

Jul 01 Jul 04
Jul 31

Opening balance Interest Payment

Closing balance

47,000.00 108.08
$47,000.00

Rate History for your Statement Period

This is a history of your interest rates and the applicable interest at each rate for your statement period.
RBCHL10005_7239499_029 0141368 5086
Rate from and including Rate to and including Prime Rate Premium/discount Your Rate Applicable Interest ($)

July 1, 2011

July 31, 2011

3.000%

+0.000%

3.000%

119.75

Please note the "Interest Payment" amount shown on your statement in the "Details of your account activity" section reflects interest charged based on your specific payment date from month to month.

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ROYAL BANK OF CANADA

1090 DON MILLS RD NORTH YORK ON M3C 3R6

Your RBC Homeline Plan Statement

From July 1, 2011 to July 31, 2011
Your plan number: 6478614-001

Your HomeProtector/LoanProtector insurance coverage summary

Royal 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

*22F000000*
RBCHL10005_7239499_029 0141368 HRI 00 2 2 15 5087

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. If you have any questions about HomeProtector or LoanProtector insurance contact us at: 1-800-769-2523.

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Your RBC Homeline Plan Statement

From 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 arranged

to make alternate payments that exceeds your total interest costs. If you have selected to make an alternate regular payment that exceeds your total interest cost, then it is your minimum payment for the period. Automatic regular payments are displayed as your "Payment amount" in the "Details of your account" section of your statement.
Interest 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, NSF

(non-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 other non-business day, your payment will be processed on the next following business day and interest will continue to accrue.
Adjustments - "Adjustments" include any modification and/or correction made to your account. Adjustments also include any

backdated payments/transactions.
Fees/Interest/Insurance - These transactions are shown in your account activity but have been processed directly to your designated

payment 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 account

Interest payments can be made through automatic debit to your RBC Royal Bank account or your account at another Canadian financial 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

HomeProtector/LoanProtector

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

Registered trademarks of Royal Bank of Canada. RBC and Royal bank are registered trademarks of Royal Bank of Canada.

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RBCHL10005_7239499_029 0141368 5088

Any error must be reported within 45 days of the statement date. For questions about your RBC Homeline Plan Statement, please call 1-800-769-2511. Please have your client card available.