RBC Insurance Guaranteed Investment Funds …

1 RBC Insurance Guaranteed Investment FundsSEGREGATED FUNDSF ebruary 21, 2007 We are pleased to announce an enhancement for our RBC Insurance Guaranteed Investment Funds advisors. Advisors have requested online access of client accounts and we are pleased to announce that AdvisorTrax is now available. You will find AdvisorTrax to be an important tool for managing your business and catering to your clients needs. What Information Can AdvisorTrax Provide? AdvisorTrax can provide you with critical information through a user friendly interface, to help you monitor and manage your client portfolios. AdvisorTrax is available online and all data viewed is current as of the close of the previous business day. There are several distinct sections of information: Investor Centre - provides you with your clients profiles including financial, non-financial and personal information as well as their accounts & investments.

2 For each client you can view such information as: the total current value of their investments their personal rate of return for the various Funds transaction details account details by type of account automatic withdrawals (AWD) on file, pre-authorized debits (PAC) and banking information tax forms issued. Advisor Centre - provides your personal information and assets under administration. fund Prices - provides historical Investment fund pricing and earnings distributions. Introducing AdvisorTrax A Powerful Tool for Advisors Other tools available: Ad Hoc Statements - You can produce client statements based on a time period of your choosing. This is an excellent tool to help you prepare for your client reviews.

3 Redemption calculator - This allows you to determine the gross amount of a redemption required to obtain a specific net amount of cash once taxes and service charges have been deducted. How do I obtain access to AdvisorTrax ? To obtain access to AdvisorTrax you will require your Advisor code, dealer number and a password (PIN) to access your clients accounts. To receive your PIN, you can register online at or contact our Dealer Services Call Centre at 1-866-372-2443. Once we have validated your advisor information for security purposes, we will provide you with a temporary PIN via e-mail. The very first time you log on to AdvisorTrax through the RBC Insurance Guaranteed Investment Funds website you will be prompted to create your own PIN.

4 Once this is completed, you will now be able to take advantage of all the tools available that AdvisorTrax has to offer. If you forget your password, you will have to contact RBC Dexia at 1 866-372-2443. For advisor use only. Not intended for client distribution. Any amount that is allocated to a segregated fund is invested at the risk of the contractholder and may increase or decrease in value. RBC Insurance Guaranteed Investment Funds are segregated Funds and are referred to as individual variable annuity contracts. RBC Life Insurance Company is the sole issuer and guarantor of the guarantee provisions contained in these contracts. The underlying mutual Funds available in these contracts are managed by RBC Asset Management Inc.

5 And the portfolios are managed by RBC Life Insurance Company. When clients deposit money in an RBC Insurance Guaranteed Investment Funds contract, they are not buying units of the RBC Asset Management Inc. mutual fund or the underlying investments in the portfolio and therefore do not possess any of the rights and privileges of the unitholders of such Funds . Registered trademarks of Royal Bank of Canada. Used under license. AdvisorTrax is a trademark of Citigroup fund Services Canada, Inc.