YOU'VE INVESTED A portion IN YOUR F...

YOU'VE INVESTED A portion IN YOUR FAMILY BECAUSE YOU want to help them succe Now that your children or grandchildren are heading disclosed on their own, there's individual more investment you can make in their events to come

Give the unique gift of investment education from the Canadian Shareowners Association (CSA) and a Starter Portfolio from its gentle Cost Investing Program.

Together, this practical education and hands-on experience with a real portfolio will teach your graduate in what manner to earn the superior get backs available only from well-chosen stocks.

Additional shares can be bought for the portfolio. in the way that your graduate can invest virtuous amounts of money regularly- starting early in life.

Later, you might equable continue giving birthday and other gifts as additional cash or stock contributions to the Starter Portfolio. DON'T YOU WISH SOMEONE HAD DONE THIS FOR YOU?

Here's for what cause to Give This Unique Graduation Gift

To purchase shares for the Starter Portfolio and the gift membership in the CSA, thorough the Enrolment Form on Page 10 using your name, address, etc Attach a separate sheet of paper with your graduate's name, address, age, social insurance number, and relationship to you (eg daughter, nephew etc)

The CSA will project your graduate a special literal meaning announcing your unique gift of the Starter Portfolio and a CSA membership. Your graduate will sign the Authorization Cards and reply them to the CSA for processing. Your graduate will receive confirmation of his or her dividend reinvestment accounts and instructions about by what means to make optional cash investments in the to come

QUESTIONS AND ANSWERS ABOUT: THE depressed COST INVESTING PROGRAM ("LCIP")

What is the LCIP?

The LCIP is a settle of Shareowner-Sponsored Dividend Reinvestment Plans ("Shareowner DRPs") which are share purchase and dividend reinvestment plans sponsored and administered by means of the Canadian Shareowners Association.

Through a Shareowner DRP CSA members can: begin buying shares of Canadian and U companies and stock market index permanent funds with modest initial investments; automatically reinvest dividends by means of purchasing more shares; purchase more shares with optional amounts small enough to fit mostly budgets;

purchase shares upon a regular monthly or quarterly schedule;

construct a portfolio with international diversification;

teach the merits of early and regular investing to children, grandchildren, etc

Upon joining the CSA, and periodically, each member receives a fac-simile of the "Information Circular" for the Shareowner DRP which provides finished details of its operations.

Who Can Participate in a Shareowner DRP?

Individual and coterie members of the CSA can join a Shareowner DRP for any of the securities contained in the list forward page 9. You simply consummated the Shareowner DRP Enrolment and Authorization Form (pages 9 and 10) and throw in your initial investment(s).

How frequently is an "Initial Investment"?

Shareowner DRP allow an initial investment of as little as $50 and as frequently as $2,500. Afterwards, you can purchase a monthly minimum of $SO and a monthly maximum of $2500 You decide for what reason often and how much to invest. In addition, Pre-Authorized Investing is available for Shareowner DRP (see sidebar upon page 7).

Initial and optional investments must be received by the agency of the CSA at least three business days prior to the "investment period" for a security (please papal court Note 4 on page 9)

As an alternate to an initial investment of cash, you may deposit a share certificate for single of the securities listed forward page 9 into a Shareowner DRP-or have shares transferred electronically from a Canadian brokerage account. To do likewise when completing the Enrolment and Authorization Form, write the word "Certificate" (or "Transfer" as applicable) in the space provided for indicating the size of the initial investment.

Mail the Form and the set-up pay to the CSA. You will receive specific directions for forwarding the certificate (or transferring the shares) to the CSA's DRP Investors' Trust Account.

Can I Transfer Shares to a RRSP or Canadian Brokerage Account?

Shares of a DRP Security may be transferred electronically from a Shareowner DRP to a member's Registered Retirement Savings Plan ("RRSP") or Canadian brokerage account with receipt by the CSA of a signed transfer demand

The request must include the following information: the number of shares to be transferred; the name and address of the financial institution to receive the shares; and, the member's account number at the financial institution.

Please allow twenty working days to finished the transfer.

What are the Services Fees?

Service remunerations are set to recover splendors only. The principal fees are: $12 to set-up a Shareowner DRP account; $4 to make an optional cash investment; $8 to betray shares; $12 to transfer shares to an RRSP or other account; and, 5 cent by share purchased or sold. Please descry the Information Circular for details. The 2 dividend reinvestment pay has been discontinued for pay dates after November 1 1996

What about the safe-keeping of cash and securities? Cheques for all DRP share purchases are deposited into the CSA's Investors' Trust Account maintained at a Canadian chartered bank. When straited to purchase securities, funds are transferred to the CSA's Investors' Trust Account at a brokerage firm possessed by a Canadian chartered bank. Shares are purchased by means of the broker and held in the name of the bank's nominee at the applicable Canadian or U Depository for Securities. Shares are registered in a participant's name onward the CSA's register of shareowners.