¹ Insurance products are distributed by MD Insurance Agency Limited.

² Closed to new subscribers as of February 10, 2003.

³ Canadian Real Estate Investment Trust is an exchange traded security listed on the Toronto Stock Exchange.

Prices quoted are historical data and current trades will not receive those exact prices. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Mutual fund securities are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer. There can be no assurances that the fund will be able to maintain its net asset value per security at a constant amount or that the full amount of your investment in the fund will be returned to you. Past performance may not be repeated. To obtain a copy of the prospectus, please call your MD advisor or the MD TradeCentre at 1 800 267-2332.