<?xml version="1.0"?>
<POLICIES xmlns="http://www.w3.org/2001/09/P3Pv1">
  <POLICY discuri="http://www.rbc.com/privacy/directory.html" opturi="http://www.royalbank.com/custrel_sub.html" name="general">
    <!--The following companies are governed by RBC Financial Group Privacy Policy:  Royal Bank of Canada, Royal Trust Corporation of Canada, The Royal Trust Company, Royal Bank Action Direct Inc., Royal Mutual Funds Inc., RBC Dominion Securities Inc., and RBC Insurance Holdings Inc.-->
    <!-- Description of the entity making this policy statement. -->
    <ENTITY>
      <DATA-GROUP>
        <DATA ref="#business.name">RBC Financial Group</DATA>
        <DATA ref="#business.contact-info.postal.street">Customer Relations Center Royal Bank of Canada P.O. Box 1, Royal Bank Plaza</DATA>
        <DATA ref="#business.contact-info.postal.city">Toronto</DATA>
        <DATA ref="#business.contact-info.postal.stateprov">Ontario</DATA>
        <DATA ref="#business.contact-info.postal.postalcode">M5J 2J5</DATA>
        <DATA ref="#business.contact-info.postal.country">Canada</DATA>
        <DATA ref="#business.contact-info.online.email">custrel@rbc.com</DATA>
        <DATA ref="#business.contact-info.telecom.telephone.number">1-800-769-2599 TDD/TTY 1-800-661-1275</DATA>
        <DATA ref="#business.contact-info.online.uri">http://www.rbc.com</DATA>
      </DATA-GROUP>
    </ENTITY>
    <!-- Disclosure -->
    <ACCESS>
      <!--Access is given to identifiable online and physical contact information as well as to other personal information-->
      <contact-and-other/>
    </ACCESS>
    <!-- Disputes -->
    <DISPUTES-GROUP>
      <DISPUTES resolution-type="service" service="http://www.rbc.com/privacy/directory.html" short-description="RBC Financial Group Privacy Policy">
        <LONG-DESCRIPTION>If you have a question about the privacy policy on this site, please call 1-800-769-2511. If you have a concern or complaint about privacy, confidentiality or the information handling practices of RBFG, our employees or service suppliers, please visit our customer relation's Web page for details on how to bring your concern to our attention. If you are not completely satisfied with our response, you may consult our publication "Straight Talk" about making a complaint or compliment to the Royal Bank Financial Group for additional recourse. This publication is available at RBFG offices. You may also request a copy by calling 1-800-769-2599, or by e-mailing us at custrel@royalbank.com. TDD/TTY users should contact 1-800-661-1275 to make their request.</LONG-DESCRIPTION>
        <REMEDIES>
          <correct/>
          <law/>
        </REMEDIES>
      </DISPUTES>
      <DISPUTES resolution-type="law" service="http://www.privcom.gc.ca/legislation/02_06_01_e.asp" short-description="Law referenced in the privacy policy">
        <LONG-DESCRIPTION>These privacy policies comply with applicable Canadian and provincial privacy legislation e.g., the Personal Information Protection and Electronic Documents Act and applicable case law. Disputes arising in connection with these privacy policies will be resolved in accordance with such applicable legislation/case law.</LONG-DESCRIPTION>
        <REMEDIES>
          <correct/>
          <law/>
        </REMEDIES>
      </DISPUTES>
    </DISPUTES-GROUP>
    <!-- Statement for group "Browsing" -->
    <STATEMENT>
      <EXTENSION optional="yes">
        <GROUP-INFO name="Browsing"/>
      </EXTENSION>
      <!-- Use (purpose) -->
      <PURPOSE>
        <current/>
        <admin/>
        <develop/>
        <pseudo-analysis/>
      </PURPOSE>
      <!-- Recipients -->
      <RECIPIENT>
        <ours/>
      </RECIPIENT>
      <!-- Retention -->
      <RETENTION>
        <legal-requirement/>
      </RETENTION>
      <!-- Base dataschema elements. -->
      <DATA-GROUP>
        <DATA ref="#dynamic.clickstream"/>
        <DATA ref="#dynamic.clientevents"/>
        <DATA ref="#dynamic.cookies">
          <CATEGORIES>
            <computer/>
            <navigation/>
            <interactive/>
            <state/>
          </CATEGORIES>
        </DATA>
        <DATA ref="#dynamic.http"/>
        <DATA ref="#dynamic.http.useragent"/>
        <DATA ref="#dynamic.http.referer"/>
        <DATA ref="#dynamic.searchtext"/>
        <DATA ref="#dynamic.interactionrecord"/>
        <DATA ref="#dynamic.miscdata">
          <CATEGORIES>
            <content/>
          </CATEGORIES>
        </DATA>
      </DATA-GROUP>
    </STATEMENT>
    <STATEMENT>
      <EXTENSION optional="yes">
        <GROUP-INFO name="Online Banking"/>
      </EXTENSION>
      <!-- Use (purpose) -->
      <PURPOSE>
        <contact required="opt-in"/>
        <current/>
        <admin/>
        <develop/>
        <telemarketing required="opt-in"/>
        <pseudo-analysis/>
      </PURPOSE>
      <!-- Recipients -->
      <RECIPIENT>
        <ours/>
        <same required="opt-out"/>
      </RECIPIENT>
      <!-- Retention -->
      <RETENTION>
        <legal-requirement/>
      </RETENTION>
      <!-- Base dataschema elements. -->
      <DATA-GROUP>
        <DATA ref="#user.name.prefix"/>
        <DATA ref="#user.name.given"/>
        <DATA ref="#user.name.middle"/>
        <DATA ref="#user.name.family"/>
        <DATA ref="#user.name.suffix"/>
        <DATA ref="#user.bdate"/>
        <DATA ref="#user.gender"/>
        <DATA ref="#user.home-info.postal.street"/>
        <DATA ref="#user.home-info.postal.city"/>
        <DATA ref="#user.home-info.postal.stateprov"/>
        <DATA ref="#user.home-info.postal.postalcode"/>
        <DATA ref="#user.home-info.postal.country"/>
        <DATA ref="#user.home-info.telecom.telephone.number"/>
        <DATA ref="#user.home-info.telecom.fax.number"/>
        <DATA ref="#user.home-info.telecom.mobile.number"/>
        <DATA ref="#user.home-info.telecom.pager.number"/>
        <DATA ref="#user.home-info.online.email"/>
        <DATA ref="#user.business-info.postal.street"/>
        <DATA ref="#user.business-info.postal.city"/>
        <DATA ref="#user.business-info.postal.stateprov"/>
        <DATA ref="#user.business-info.postal.postalcode"/>
        <DATA ref="#user.business-info.postal.country"/>
        <DATA ref="#user.business-info.telecom.telephone.number"/>
        <DATA ref="#user.business-info.telecom.fax.number"/>
        <DATA ref="#user.business-info.telecom.mobile.number"/>
        <DATA ref="#user.business-info.telecom.pager.number"/>
        <DATA ref="#user.business-info.online.email"/>
        <DATA ref="#user.business-info.postal.organization"/>
        <DATA ref="#user.jobtitle"/>
        <DATA ref="#user.employer"/>
        <DATA ref="#dynamic.clickstream"/>
        <DATA ref="#dynamic.clientevents"/>
        <DATA ref="#dynamic.cookies">
          <CATEGORIES>
            <computer/>
            <navigation/>
            <interactive/>
            <state/>
          </CATEGORIES>
        </DATA>
        <DATA ref="#dynamic.http"/>
        <DATA ref="#dynamic.http.useragent"/>
        <DATA ref="#dynamic.http.referer"/>
        <DATA ref="#dynamic.searchtext"/>
        <DATA ref="#dynamic.interactionrecord"/>
        <DATA ref="#dynamic.miscdata">
          <CATEGORIES>
            <physical/>
            <online/>
            <uniqueid/>
            <purchase/>
            <financial/>
            <demographic/>
            <content/>
            <!--Social Insurance Number-->
            <government/>
          </CATEGORIES>
        </DATA>
      </DATA-GROUP>
    </STATEMENT>
    <STATEMENT>
      <EXTENSION optional="yes">
        <GROUP-INFO name="Financial Services &amp; Investments"/>
      </EXTENSION>
      <!-- Use (purpose) -->
      <PURPOSE>
        <contact required="opt-in"/>
        <current/>
        <admin/>
        <develop/>
        <telemarketing required="opt-in"/>
        <pseudo-analysis/>
      </PURPOSE>
      <!-- Recipients -->
      <RECIPIENT>
        <ours/>
        <same required="opt-out"/>
      </RECIPIENT>
      <!-- Retention -->
      <RETENTION>
        <legal-requirement/>
      </RETENTION>
      <!-- Base dataschema elements. -->
      <DATA-GROUP>
        <DATA ref="#user.name.prefix"/>
        <DATA ref="#user.name.given"/>
        <DATA ref="#user.name.middle"/>
        <DATA ref="#user.name.family"/>
        <DATA ref="#user.name.suffix"/>
        <DATA ref="#user.bdate"/>
        <DATA ref="#user.gender"/>
        <DATA ref="#user.home-info.postal.street"/>
        <DATA ref="#user.home-info.postal.city"/>
        <DATA ref="#user.home-info.postal.stateprov"/>
        <DATA ref="#user.home-info.postal.postalcode"/>
        <DATA ref="#user.home-info.postal.country"/>
        <DATA ref="#user.home-info.telecom.telephone.number"/>
        <DATA ref="#user.home-info.telecom.fax.number"/>
        <DATA ref="#user.home-info.telecom.mobile.number"/>
        <DATA ref="#user.home-info.telecom.pager.number"/>
        <DATA ref="#user.home-info.online.email"/>
        <DATA ref="#user.business-info.postal.street"/>
        <DATA ref="#user.business-info.postal.city"/>
        <DATA ref="#user.business-info.postal.stateprov"/>
        <DATA ref="#user.business-info.postal.postalcode"/>
        <DATA ref="#user.business-info.postal.country"/>
        <DATA ref="#user.business-info.telecom.telephone.number"/>
        <DATA ref="#user.business-info.telecom.fax.number"/>
        <DATA ref="#user.business-info.telecom.mobile.number"/>
        <DATA ref="#user.business-info.telecom.pager.number"/>
        <DATA ref="#user.business-info.online.email"/>
        <DATA ref="#user.business-info.postal.organization"/>
        <DATA ref="#user.jobtitle"/>
        <DATA ref="#user.employer"/>
        <DATA ref="#thirdparty.name.prefix"/>
        <DATA ref="#thirdparty.name.given"/>
        <DATA ref="#thirdparty.name.middle"/>
        <DATA ref="#thirdparty.name.family"/>
        <DATA ref="#thirdparty.name.suffix"/>
        <DATA ref="#thirdparty.bdate"/>
        <DATA ref="#thirdparty.gender"/>
        <DATA ref="#thirdparty.home-info.postal.street"/>
        <DATA ref="#thirdparty.home-info.postal.city"/>
        <DATA ref="#thirdparty.home-info.postal.stateprov"/>
        <DATA ref="#thirdparty.home-info.postal.postalcode"/>
        <DATA ref="#thirdparty.home-info.postal.country"/>
        <DATA ref="#thirdparty.home-info.telecom.telephone.number"/>
        <DATA ref="#thirdparty.home-info.telecom.fax.number"/>
        <DATA ref="#thirdparty.home-info.telecom.mobile.number"/>
        <DATA ref="#thirdparty.home-info.telecom.pager.number"/>
        <DATA ref="#thirdparty.home-info.online.email"/>
        <DATA ref="#thirdparty.business-info.postal.street"/>
        <DATA ref="#thirdparty.business-info.postal.city"/>
        <DATA ref="#thirdparty.business-info.postal.stateprov"/>
        <DATA ref="#thirdparty.business-info.postal.postalcode"/>
        <DATA ref="#thirdparty.business-info.postal.country"/>
        <DATA ref="#thirdparty.business-info.telecom.telephone.number"/>
        <DATA ref="#thirdparty.business-info.telecom.fax.number"/>
        <DATA ref="#thirdparty.business-info.telecom.mobile.number"/>
        <DATA ref="#thirdparty.business-info.telecom.pager.number"/>
        <DATA ref="#thirdparty.business-info.online.email"/>
        <DATA ref="#thirdparty.business-info.postal.organization"/>
        <DATA ref="#thirdparty.jobtitle"/>
        <DATA ref="#thirdparty.employer"/>
        <DATA ref="#dynamic.clickstream"/>
        <DATA ref="#dynamic.clientevents"/>
        <DATA ref="#dynamic.cookies">
          <CATEGORIES>
            <computer/>
            <navigation/>
            <interactive/>
            <state/>
          </CATEGORIES>
        </DATA>
        <DATA ref="#dynamic.http"/>
        <DATA ref="#dynamic.http.useragent"/>
        <DATA ref="#dynamic.http.referer"/>
        <DATA ref="#dynamic.searchtext"/>
        <DATA ref="#dynamic.interactionrecord"/>
        <DATA ref="#dynamic.miscdata">
          <CATEGORIES>
            <physical/>
            <online/>
            <uniqueid/>
            <purchase/>
            <financial/>
            <demographic/>
            <content/>
            <!--Health information collected on a very limited basis (Mortgage Applicants Only)-->
            <health/>
            <!--Social Insurance Number-->
            <government/>
          </CATEGORIES>
        </DATA>
      </DATA-GROUP>
    </STATEMENT>
    <!-- End of policy -->
  </POLICY>
</POLICIES>