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HELPING WATERLOO REGION BE RESILIENT TO CLIMATE CHANGE IMPACTS

How to use this toolkit – see inside cover

This section has two focuses. The fi rst is on knowledge that you as an

individual can gain that will help you address coming climate change

impacts. The second is on actions you can take inside your home whether

rented or owned. These actions include changing material aspects of

your home as well as changing your behaviour and habits while using

resources in your home.

Reduce your electricity and energy dependenceClimate change impacts such as more

extreme weather events could lead to

more frequent and longer power outages

and higher fuel prices. Here are some

actions you can take to increase your

ability to function with less or no energy:

Adjust the temperature of your home

Cost: 0 | Time: >

Change the temperature setting

closer to the outside temperature;

even one degree will save energy.

If your thermostat is programmable,

consider programming it to

automatically change the temperature

to save energy when you are usually

out of your home or asleep.

Your Home | Climate Change Adaptation Toolkit 4

Use less energy in your home

Cost: $ | Time: >

Switch from incandescent to compact

fl uorescent bulbs and/or LEDs.

Cook using smaller appliances such

as your barbeque, an electric kettle,

a microwave, or toaster oven rather

than using your oven or stovetop that

use more energy.

Plan ahead and make many meals at

one time for the whole week (uses

the stove/oven less).

Unplug appliances that are not in use

& make other small changes to easily

conserve energy such as locating

work areas near natural light.

When upgrading systems and

appliances try to move towards

more passive methods (e.g. installing

fans instead of air conditioning) and

utilizing energy and resource saving

settings.

Your Home

Know your home

Cost: $ | Time: >>

Understand appliances, spaces,

and systems so you can restart

everything after extended power

outages.

Pay attention to changes and

address them before they become

serious problems (e.g. new wet spot

on basement wall).

Diagram your home energy system

Cost: $$ | Time: >>

Check out CREW Power $aving

Network Electricity Self-Audit

Toolkit from your local library (see

Resources).

Map out all your energy using

systems. Make sure you understand

how your systems are all interrelated.

Include aspects like heat and light

outputs in your document/diagram.

Service your appliances regularly

Cost: $$$ | Time: >>

Appliances that run well are more

effi cient and require less energy

than poorly working ones.

Be aware of when savings might

make it worth upgrading (see

Resources under Natural Resource

Canada).

Make an energy plan

Cost: $ | Time: >>>

Plan for how your household can

function for long periods of time

with unpredictable or no energy

and/or high heat conditions.

Make an appointment with REEP to

get a home energy evaluation that

can tell you what you can change to

save energy and money

(see Resources).

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Client guide

RBC Life Insurance Company

RBC GuaRanteed Investment Funds

RBC Insurance Guaranteed Investment Funds Client Guide

RBC Insurance Guaranteed Investment Funds 3

Asset classes Fund name

Money Market RBC Canadian Money Market GIF

Fixed Income

RBC Canadian Short-Term Income GIFRBC Bond GIFRBC PH&N Total Return Bond GIFRBC Global Bond GIF

BalancedRBC Balanced GIFRBC PH&N Monthly Income GIFRBC Global Balanced GIF*

Canadian Equity RBC Canadian Dividend GIFRBC Canadian Equity GIFRBC O’Shaughnessy All-Canadian Equity GIF

North American Equity RBC North American Growth GIF

U.S. Equity

RBC U.S. Dividend GIF**RBC U.S. Equity GIFRBC O’Shaughnessy U.S. Value GIFRBC U.S. Mid-Cap Equity GIF

International and Global EquityRBC O’Shaughnessy International Equity GIFRBC Global Dividend Growth GIF

Portfolio Solutions

RBC Select Conservative GIP***RBC Select Balanced GIPRBC Select Growth GIPRBC Select Aggressive Growth GIP

RBC GIF FUND LINEUP

OUR FUND LINEUP

RBC Insurance® has selected 18 leading mutual funds and 4 portfolio solutions that are managed by RBC Global Asset Management Inc., for our segregated funds lineup. Please refer to the chart below for a list of our funds and portfolios. These funds will help to meet your investment needs, with the added benefits of maturity and death benefit guarantees.

With approximately $250 billion in assets under management, RBC Global Asset Management Inc. is one of Canada’s leading money managers. The firm has one of the most experienced teams in the industry with more than 200 employees and 60 investment professionals in major global financial centres. Over many years, RBC Global Asset Management Inc. has created a proven track record of investment results.

* Formerly RBC Balanced Growth GIF. ** Formerly RBC North American Dividend GIF. ** * GIP refers to Guaranteed Investment Portfolio.

RBC Trust Company Living Trust Client Guide

RBC Trust Company (Delaware) LimitedP.O. Box 15627, Wilmington, Delaware 19850

Phone (302) 892-6900 Toll-Free (800) 441-7698www.rbctrust.com

This brochure has been issued by RBC Trust Company (Delaware) Limited, a non-depository trust company regulated by the Delaware State Bank Commissioner. You should carefully read any risk warnings or regulatory disclosures in this brochure or any other literature enclosed with this brochure or forwarded to you by RBC Trust Company (Delaware) Limited, its subsidiaries or affiliates.

Some of the services detailed in this brochure are not offered in all state or foreign jurisdictions and may not be available to you. This document does not constitute an invitation to buy or the solicitation of an offer to sell securities or any other products or services in any jurisdiction to any person to whom it is unlawful to make such a solicitation in such jurisdiction. Consult with your financial advisor before making your investment decisions. This brochure is intended as general information only and is not intended as taxation, legal, investment or other professional advice. You should always obtain independent professional advice particular to your individual circumstances.

RBC Trust Company (Delaware) Limited, and its affiliates and subsidiaries and their officers, directors, employees and agents are not responsible for and will not be liable to you or anyone else for any damages whatsoever (including direct, indirect, incidental, special, consequential, exemplary or punitive damages) arising out of or in connection with your reliance on the brochure, even if the RBC Trust Company (Delaware) Limited, its affiliates or subsidiaries or their officers, directors, employees or agents have been advised of the possibility of these damages.

Investment management products and services described in this brochure are not deposits, are not insured by the Federal Deposit Insurance Corporation or other similar institution, may lose value and contain no bank guarantee. Past performance is not necessarily a guide to future performance and any exposure to foreign currencies may cause additional fluctuation in the value of any investment.

IRS Circular 230 Notice: To insure compliance with requirements imposed by the IRS, we inform you that in compliance with the US Federal Tax Regulations, unless expressly stated in writing otherwise, any discussion of tax matters contained in this communication, (or any attachment hereto), is not intended, or written to be used as, and can not be used as, or considered to be a “covered opinion,” or other written tax advice, and should not be relied upon by any person for the purpose of (i) avoiding any IRC related penalties that may be imposed on a taxpayer or (ii) promoting, marketing or recommending to another party any transaction or tax related matter(s) addressed herein (or attachments hereto) for IRS audit, tax dispute or any other purpose.® Registered Trademark of Royal Bank of Canada. Used under license.

© Copyright 2007. All rights reserved.

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The AdvAnTAges of A Living TrusT

Your guide to one of the most valuable financial planning tools available today

RBC Wealth Management Dominion Securities Client Guide

WELCOME TO RBC DOMINION SECURITIES

A guide for clients

Professional Wealth Management Since 1901

RBC Dominion Securities Inc.

To help you manage your financial affairs, your RBC Dominion Securities

advisor provides access to a wide range of services in addition to investment

management. Designed to complement your investment strategy, these

services include financial planning, insurance-based wealth protection,

estate-planning services, charitable foundations and more. We also offer

secure online account access and paperless eStatements through our private

client website, DS Online. Please ask your advisor for more information

about any of our services.

Simplify Your BankingPreserve Your WealthMinimize Your Taxes

When providing financial planning services, or engaging in any mutual fund related discussions or activity, private bankers are acting on behalf of Royal Mutual Funds Inc. Products and services such asGICs, personal and business banking, loans, and credit are deposit products provided through Royal Bank of Canada. Royal Mutual Funds Inc. and Royal Bank of Canada are separate legal entities that areaffiliated. Certain services may be provided by member companies of RBC Investments. Royal Mutual Funds Inc. is licensed as a financial services firm in the province ofQuebec. ® Registered trademark ofRoyal Bank of Canada. RBC Investments is a registered trademark of Royal Bank of Canada. © Royal Bank of Canada 2007. All rights reserved.

Tailored Wealth Management for Individuals, their Familiesand their Businesses

For more information, contact Paul Coleman at 604-665-4028 orvisit us online at www.rbcinvestments.com

Life is demanding enough. Managing your finances shouldn’thave to be. Your RBC® Private Banker will take the time tounderstand your personal, family and business needs, and thencraft an integrated, tax-effective financial strategy specifically foryou. If you wish, your Private Banker will liaise with your otherprofessional advisors to ensure a complete financial solution.And as an RBC private client, you receive high-contact,responsive service at all times.

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