Key Market Facts

March 13 , 2008

If you are between the ages of 50 to 80 or if you are within 15 years of retirement then you should attend this presentation on Income Plus from Manulife Investments.

Lunch will be served

Please bring a friend, family member or colleague

RSVP to Irfhan at 604-257-7077 as seating is limited

GIF Select with Income Plus is a first of its kind product in Canada . It can provide predicable, sustainable and potentially increasing retirement income for life.

Some of the biggest concerns facing Canadians today and their retirement outlook are longevity, interest rates, inflation and market volatility. IncomePlus reduces much of the uncertainty around retirement income and can do this in a tax efficient manner.

With this product:

• return of capital is guaranteed through regular withdrawals regardless of what the market does.
• a 5% guarantee bonus on your initial capital deposit is available each year in the first 15 years if income is not taken.
• automatic resets every three years to lock in market gains.
• tax efficient income when held in non registered accounts.
• assets can transfer to your spouse upon death.
• you can name beneficiaries on the product.
• probate fees are avoided as assets pass directly to beneficiaries avoiding the will.
• a number of investment options are available.
• minimum investment is $50,000.

If you are within 15 years of retirement or if you are between the ages of 50-80 then I believe this product would be suitable for a portion of your overall investment portfolio. I hope to see you here on April 10 th.

Reminder that Electronic Statements Are Now Available for Clients of RBC Dominion Securities

eStatements are now available for many RBC Dominion Securities accounts. To see if you are eligible for an eStatement you must be registered for RBC Dominion Securities online access.

However certain situations and account relationships will not allow for eStatements. Only the primary contact on the account will be able to receive their statements electronically. At this time both interested parties and trading authorities can only receive printed statements.

Business/corporate accounts will be able to access their accounts electronically however a form must be completed. For more information on how to switch to electronic statements please contact Irfhan at 604 257-7077.

Introducing Sery Ambrosio

Irfhan and I are very pleased to announce the new addition to our growing team. Sery Ambrosio started with us on January 2, 2008 . Like Irfhan, Sery is a licensed associate. The two of them will be working together to support me in ensuring our clients receive a high quality of customer service.

Prior to joining RBC Dominion Securities, Sery worked for a biotech company in Vancouver for eight years as Executive Assistant after which she decided to pursue a new career in the financial services industry. After completing industry licensing courses such as the Canadian Securities Course, the Conduct and Practices Handbook and the Life License Qualification Program, she worked for an insurance company as an Investment Representative and Financial Security Advisor.

Sery has a Bachelors degree in Economics and is committed to lifelong learning. She continues to upgrade her skills in order to provide the best service to clients.

Sery enjoys visiting art galleries and loves to go wine-tasting - you will find her in most food and wine tasting events in Vancouver . She also loves to travel and wants to see more of Europe . Sery has two grown-up children – daughter, Sigrid and son, Stephen - both attending post-secondary. She came from a large family and would love to have grandchildren someday.

Sery can be reached by phone at 778-328-7799 or by email at sery.ambrosio@rbc.com. We are very excited at having Sery join our team and look forward to continuing to add value to the services we provide to our clients.

RBC Dominion Securities Inc. is a member company under RBC Investments. The information contained herein has been obtained from sources believed to be reliable at the time obtained but neither RBC Dominion Securities Inc. nor its employees, agents, or information suppliers can guarantee its accuracy or completeness. This report is not and under no circumstances is to be construed as an offer to sell or the solicitation of an offer to buy any securities. This report is furnished on the basis and understanding that neither RBC Dominion Securities Inc. nor its employees, agents, or information suppliers is to be under any responsibility or liability whatsoever in respect thereof. The inventories of RBC Dominion Securities Inc. may from time to time include securities mentioned herein. RBC Dominion Securities Inc. and Royal Bank of Canada are separate corporate entities which are affiliated. Investment Advisors are employees of RBC Dominion Securities Inc. Member CIPF. ?Trademark of Royal Bank of Canada. RBC Investments is a registered trademark of Royal Bank of Canada. Used under licence.©Copyright 2003. All rights reserved

RBC Dominion Securities Inc. and its affiliates may have an investment banking or other relationship with some or all of the issuers menioned herein and may trade in any of the securities mentioned herein either for their own account or the accounts of their customers. RBC Dominion Securities Inc. and its affiliates also may issue options on securities mentioned herein and may trade in options issued by others. Accordingly, RBC Dominion Securities Inc. or its affiliates may at any time have a long or short position in any such security or option thereon.

Insurance products are offered through RBC DS Financial Services Inc and RBC DS Financial Services (Ontario) Inc. (« companies ») The companies and RBC Dominion Securities Inc. are member companies under RBC Investments and are separate corporate entities which are affiliated. When discussing and selling life insurance products, Investment Advisors are acting as Insurance Representatives of RBC DS Financial Services Inc or RBC DS Financial Services (Ontario) Inc.