Shareholder information

Corporate headquarters Stock exchange listings 2004 Annual Meeting Institutional investors, brokers Street address: (Symbol: RY) The bank’s Annual Meeting and security analysts Royal Bank of Canada of Common Shareholders will For financial information inquiries, 200 Bay Street Common shares are listed on: be held on Friday, February 27, contact: Senior Vice-President, Toronto, Ontario, Canada Canada 2004 at 9:30 a.m. (EST) at the Investor Relations Tel: (416) 974-5151 Toronto Stock Exchange (TSX) Metro Toronto Convention Centre, Royal Bank of Canada Fax: (416) 955-7800 U.S. North Building, Constitution Hall, 123 Front Street West, New York Stock Exchange (NYSE) 255 Front Street West, 6th Floor Mailing address: Switzerland Toronto, Ontario, Canada. Toronto, Ontario P.O. Box 1 Swiss Exchange (SWX) Canada M5J 2M2 Royal Bank Plaza 2004 quarterly earnings Tel: (416) 955-7803 Toronto, Ontario All preferred shares are listed release dates Fax: (416) 955-7800 Canada M5J 2J5 on the Toronto Stock Exchange. First quarter Feb. 27 Second quarter May 27 Common share repurchase Web site: Valuation Day price Third quarter Aug. 27 The bank is engaged in a normal rbc.com For capital gains purposes, the Fourth quarter Nov. 30 course issuer bid through the Valuation Day (December 22, facilities of the Toronto Stock Transfer Agent 1971) cost base for the bank’s Direct deposit service Exchange. During the one-year and Registrar common shares is $7.38 per Shareholders may have their period ending June 23, 2004, share. This amount has been dividends deposited by electronic the bank may repurchase up to Main Agent adjusted to reflect the two-for-one funds transfer directly to an 25 million shares in the open mar- Computershare Trust share split of March 1981 and the account at any financial institu- ket at market prices. The amount Company of Canada two-for-one share split of February tion that is a member of the and timing of the purchases are to 1990. The one-for-one share divi- Canadian Payments Association. be determined by the bank. Street address: dend paid in October 2000 did To arrange for this, please contact 1500 University Street not affect the Valuation Day value Computershare Trust Company of A copy of the bank’s Notice of Suite 700 for the bank’s common shares. Canada at their mailing address. Intention to file a normal course Montreal, Quebec issuer bid may be obtained, Canada H3A 3S8 Shareholder contact without charge, by contacting the Tel: (514) 982-7888, or For information about stock Secretary of the bank at the 1-866-586-7635 transfers, address changes, bank’s Toronto mailing address. Fax: (514) 982-7635 dividends, lost stock certificates, tax forms, estate transfers, Dividend dates for 2004 Mailing address: contact: Computershare Trust Subject to approval by the Board of Directors. P.O. Box 1570, Station “B” Company of Canada Record dates Payment dates Montreal, Quebec 1500 University Street, Canada H3B 3L2 Suite 700 Common and preferred Jan. 26 Feb. 24 Montreal, Quebec shares series N, O, P and S Apr. 22 May 21 Web site: Canada H3A 3S8 Jul. 26 Aug. 24 computershare.com Tel: (514) 982-7888 or Oct. 26 Nov. 24 1-866-586-7635 Co-Transfer Agent (U.S.) Credit ratings The Bank of New York For other shareholder inquiries, (as at December 16, 2003) Short-term debt Senior long-term debt 101 Barclay Street contact: Investor Relations Moody’s Investors Service P–1 Aa2 New York, New York Royal Bank of Canada Standard & Poor’s A–1+ AA- U.S. 10286 123 Front Street West, Fitch Ratings F1+ AA 6th Floor Dominion Bond Rating Service R–1(middle) AA(low) Co-Transfer Agent Toronto, Ontario (United Kingdom) Canada M5J 2M2 La Banque Royale publie aussi son This annual report is printed on acid-free Computershare Services PLC Tel: (416) 955-7806 Rapport annuel en français. paper and the entire book is recyclable. Securities Services – Registrars or visit our Web site at: P.O. Box No. 82, The Pavilions, rbc.com/investorrelations Legal Deposit, fourth quarter, 2003 Bibliothèque nationale du Québec Bridgwater Road, Bristol BS99 7NH England

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Trade-marks used in this report include the LION & GLOBE Symbol, ROYAL BANK OF CANADA, ROYAL BANK, RBC, RBC FINANCIAL GROUP, RBC BANKING, RBC ROYAL BANK OF CANADA, RBC ROYAL BANK, RBC INVESTMENTS, RBC INSURANCE, RBC CAPITAL MARKETS, RBC GLOBAL SERVICES, RBC BUILDER FINANCE, RBC CENTURA, RBC DAIN RAUSCHER, RBC LIBERTY INSURANCE, RBC MORTGAGE, RBC ACTION DIRECT, RBC ASSET MANAGEMENT, RBC CAPITAL TRUST, RBC CAPITAL TRUST II, RBC EXPRESS, RBC FUNDS, RBC INVESTMENTS FINANCIAL PLANNING, RBC INVESTMENTS PRIVATE PLANNING, RBC REFERRALS, RBC SNOWBIRD PACKAGE, RBC TruCS, AVION CARD, bondDirect, FX DIRECT, PAYTICKETS.CA, PROTECTION FOR THE BIG THINGS IN LIFE, RSP-MATIC and WORLDPROTECT, which are trade-marks of Royal Bank of Canada used by Royal Bank of Canada and/or its subsidiaries. All other trade-marks mentioned in this

Interbrand, Toronto report, which are not the property of Royal Bank of Canada, are owned by their respective holders.