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RBC CENTURA MORTGAGE MANAGER LEADS INDUSTRY

Terry Davis Recognized as Mortgage Banker of the Year



RALEIGH, N.C., Oct. 23, 2007 - RBC Centura Mortgage Regional Manager Terry Davis was recently named Mortgage Banker of the Year by the Mortgage Bankers Association of the Carolinas. Davis was honored for his contributions to the mortgage banking industry, service to his company and leadership within the community.

"We are thrilled that Terry was honored for his commitment to the mortgage industry," said Kim Lamm, RBC Centura mortgage regional manager. "His dedication to teaching and mentoring new loan officers as well as his support of continuing education and professional development makes him a key asset to the bank and the industry, which makes him very worthy of this award in my eyes."

Davis is the RBC Centura mortgage regional manager for western North Carolina and South Carolina, and is based in Asheville, N.C. In this role, he oversees production of mortgage loans across the region. He also recruits and hires mortgage loan officers as well as coaches and mentors current origination employees.

In his community, Davis is a current member of the Mortgage Bankers Association of Western North Carolina, and is actively involved in ministry at North Asheville Baptist Church. He previously served as a board member of the Affordable Housing Coalition, a member of the Home Builders Association of Greater Asheville and the Asheville Board of Realtors.

Davis served three consecutive terms as president of the Mortgage Bankers Association of Western North Carolina and was a board member of the Mortgage Bankers Association of the Carolinas for the pervious two years.

The Mortgage Bankers Association of the Carolinas honored Davis at its 52nd annual convention in Hilton Head Island, S.C., in September. His wife, Tammy, surprised Davis at the conference to help him celebrate.

Davis earned an Associate of Applied Science degree in banking and finance from Asheville-Buncombe Community College. He lives in Leicester, N.C., with his wife, Tammy and their son, Isaac.

About RBC Centura Bank

RBC Centura, headquartered in Raleigh, N.C., offers a wide range of financial services and advice, including a complete line of banking, and mortgage services to individuals, businesses and public institutions throughout the Southeast. RBC Centura's multi-faceted customer access network includes more than 340 full-service banking centers, an extensive ATM network, and telephone and Internet banking. In addition, RBC Centura offers builder finance products through its RBC Builder Finance division. According to SNL Financial, RBC Centura is the 45th largest U.S. bank based on assets as of August 2007. RBC Centura Banks Inc. is a wholly-owned subsidiary of Royal Bank of Canada (RBC) (NYSE, TSX: RY), Canada's largest bank as measured by assets.