| Document Date: 2011-02-02 11:16:06
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City Toronto / London / New York / / Company Fortis Wealth Management / ROYAL BANK OF CANADA / BlueBay Asset Management / Morgan Stanley / Investment Bank / / Continent Asia / Europe / / Country United States / Canada / United Kingdom / / Currency USD / / Event M&A / Reorganization / / Holiday New Year's Day / / IndustryTerm retail banks / retail product / private bank / retail bank results / investment banking coverage / creditor insurance / investment banking businesses / retail banking franchise / investment banking results / retail / bank insurer / control infrastructure / investment bank / wealth management / banking / branch network / life insurance / manufacturing / multi-line manufacturing / insurance products / operational infrastructure / financial management tool / mobile banking application / bank-owned insurer / retail and wholesale businesses / energy / / Organization UNITED STATES SECURITIES AND EXCHANGE COMMISSION / Canadian government / BANK OF CANADA / / Person JANICE FUKAKUSA / / Position leader / leading fixed-income fund manager / clear market leader / speaker / comprehensive fullservice wealth manager / Major / asset manager / global custodian / Private / CHIEF ADMINISTRATIVE OFFICER AND CFO / / ProvinceOrState New York / / Region Caribbean / / Technology smart phones / mobile banking / /
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ROYAL BANK OF CANADA MORGAN STANLEY CONFERENCE TUESDAY, FEBRUARY 1, 2011 DISCLAIMER THE FOLLOWING SPEAKERS’ NOTES, IN ADDITION TO THE WEBCAST AND THE ACCOMPANYING PRESENTATION MATERIALS, HAVE BEEN FURNISHED FOR YOUR