Parameters Portfolios Your Parameters for Success To succeed as an investor, you need more than just the good fortune to "pick the winners." You need a proven process that doesn't take chances with your success. Parameters Portfolios follow three guiding principles to help you achieve your investment objectives: • Diversify across industry sectors in a way that fits the global economic outlook • Always own high quality companies in each sector • Adhere to a disciplined approach Unlike mutual funds or pooled investments, Parameters Portfolios give you direct ownership of the securities in your investment portfolio. This approach provides more flexibility and several important tax advantages. Key Features and Benefits of Parameters Portfolios • Follows the proven, disciplined process of the RBC Investment Strategy Committee • Professionally managed by RBC Asset Management, one of Canada's leading investment managers • No embedded capital gains, meaning you are not taxed on capital gains made prior to your purchase • Gives you control over certain decisions (such as avoiding stocks you already own) • Allows you to transfer securities from another portfolio • Includes monthly statements, quarterly portfolio review, annual tax-reporting package and more Designed to Fit Your Investment Style Another key benefit is that Parameters Portfolios come in seven different styles to meet your specific investment objectives. These include: • Canadian Equity Portfolio • U.S. All-Cap Equity Portfolio • North American All-Cap Equity Portfolio (U.S. focus) • International ADR Portfolio (Europe/Asia focus) • Canadian Laddered Bond Portfolio, consisting of all government of Canada and provincial bonds • Canadian Balanced Portfolio, consisting of 60% equity and 40% fixed income • IPP Canadian Balanced Portfolio, consisting of 60% equity and 40% fixed income (complies with pension guidelines) Parameters Portfolios could be ideal if you: • Want to delegate day-to-day investment decisions to professional money managers while retaining control over some decisions • Desire above-average returns over the long term • Have at least $100,000 to invest per mandate ($75,000 for the Canadian Laddered Bond Portfolio) • Want a convenient, all-inclusive fee structure based on your assets invested