IMPORTANT INFORMATION AND TERMS AND CONDITIONS OF ACCESS

Certain important information regarding the financial products described in this website is set out below. In addition, by accessing this website, you agree to the terms and conditions set out under “Terms and Conditions of Access” below.

IMPORTANT INFORMATION

Advisor Portfolio Services is a trade name of IA Clarington Investments Inc. IA Clarington Investments Inc. is a wholly-owned subsidiary of Industrial Alliance Insurance and Financial Services Inc.

Mutual Funds Disclaimer

Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. For funds that pay a fixed regular distribution, the payment of distributions and distribution breakdown is not guaranteed and may fluctuate. The payment of distributions should not be confused with a fund's performance, rate of return or yield. If distributions paid by the fund are greater than the performance of the fund, then your original investment will shrink. Distributions paid as a result of capital gains realized by a fund and income and dividends earned by a fund are taxable in your hands in the year they are paid. Your adjusted cost base will be reduced by the amount of any returns of capital. If your adjusted cost base goes below zero, then you will have to pay capital gains tax on the amount below zero. Mutual funds are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer. For Money Market Funds, 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. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated. If you are a Canadian resident, you can obtain the applicable simplified prospectus for mutual funds from the respective mutual fund firm or www.sedar.com.

Canadian Investor Protection Fund (“CIPF”) Coverage

Penson Financial Services Canada Inc. is the custodian for Advisory Portfolio Services and is a member of CIPF. Customers’ accounts are protected by the Canadian Investor Protection Fund within specified limits. Visit www.cipf.ca for more information.

TERMS AND CONDITIONS OF ACCESS

Use of Website

This communication is published by IA Clarington. Any commentaries and information contained in this communication are provided as a general source of information and should not be considered personal investment advice. Information on this website is not intended to provide legal, accounting, investment or tax advice and should not be relied upon in that regard.

Non-Canadian Investors

This site should not be considered an offer to sell or a solicitation of an offer to buy securities to any United States Person (as defined for the purposes of the United States Securities Act of 1933) or in any other jurisdiction in which such an offer or solicitation is unlawful. Any investor or prospective investor should contact his or her legal or financial advisor for further details.

Trademarks

“IA Clarington” is a trademark of IA Clarington Investments Inc. Other trademarks used in this website are the property of their respective owners.

Limited License

All materials contained on this website are protected by copyright laws in Canada and other countries. Users of this website are permitted to reproduce and those materials for their personal and non-commercial use only, and provided that it is not retransmitted to the public (whether via the internet or otherwise) or otherwise distributed in a manner prejudicial to IA Clarington. The contents of the website may not be otherwise used, copied, redistributed, reproduced, republished, stored in any medium, retransmitted, modified or broadcasted, in any form.

Nothing in this document shall be construed as conferring any right or license under any copyright of IA Clarington or any other person who owns the copyright in the content provided on this website. If you require further information on a permitted use or license to reproduce or republish any material, address your inquiry to: IA Clarington Investments Inc., 522 University Avenue, Suite 700, Toronto, Ontario M5G 1Y7.

Any infringement of IA Clarington's rights may result in legal action. IA Clarington disclaims any and all liability for any consequences which may result from any unauthorized reproduction or use of this website, or any information contained on it.

Limitation of Liability

The information contained on this website has not been updated since the date that it was posted, and may not remain accurate or current at the time that the information is accessed by a website user. IA Clarington does not guarantee that the information contained on this website is accurate and complete, and accepts no responsibility for any loss arising from any use of or reliance on the information contained herein. IA Clarington will not be responsible in any manner for direct, indirect, special or consequential damages, howsoever caused, arising out of the use of this website or the information contained on it.

Third Party Sites

Links to third party websites are provided for convenience only. IA Clarington accepts no liability whatsoever for the content of those websites and does not in any way endorse the websites, the organizations that produce them or any content contained on such sites.

Transmission of Information over the Internet

Information that is transmitted over the internet may be monitored or intercepted by third parties. Privacy of information that is transmitted over the internet therefore cannot be ensured. IA Clarington is not responsible for any damages you may suffer if you transmit confidential or sensitive information to us via the internet.

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