Disclaimers

<p><strong>Investment Disclaimer</strong></p>
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<p>Mutual funds, approved exempt market products and/or exchange traded funds are offered through Investia Financial Services Inc. Commissions, trailing commissions, management fees and other expenses may be associated with mutual fund, exempt market product, and/or exchange traded fund investments. Please read the Fund Fact or prospectus carefully before investing. Mutual fund, exempt market product and exchange traded fund investments are not guaranteed, their values change frequently, and their past performance may not be repeated. </p>
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<p>By accessing this website and any pages thereof, you agree to be bound by the terms of the Legal Notices and Disclaimers set out below. If you do not agree with the terms and conditions of these Legal Notices, do not access this website or any pages thereof.</p>
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<p><strong>Segregated Funds </strong></p>
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<p>Segregated fund products are offered through Investia Financial Services Inc. and/or multiple carriers. Subject to any applicable death benefit guarantee, any part of the premium or other amount that is allocated to a segregated fund, is invested at the risk of the policy owner and may increase or decrease in value according to the fluctuations in the market value of the assets of the segregated fund.</p>
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<p><strong>Guaranteed Investment Certificates</strong></p>
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<p>Guaranteed Investment Certificates (GICs) are offered through Investia Financial Services Inc. and/or multiple carriers.</p>
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<p><strong>Internet Communications</strong></p>
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<p>Without the use of secure encryption, the Internet is not a secure medium and privacy cannot be ensured. Internet e-mail is vulnerable to interception and forging. We cannot ensure the privacy and authenticity of any information, and will not be responsible for any damages you may incur if you communicate confidential information to us over the Internet or if we communicate such information to you at your request.</p>
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<p><strong>No Advice</strong></p>
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<p>The information provided on this website is intended for informational purposes only and is not intended to constitute financial, accounting, and legal or tax advice. For information specific to your situation you should consult a professional.</p>
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<p><strong>Accuracy and Changes</strong></p>
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<p>Facts and information provided on this website are believed to be accurate at the time they are posted. However, this website could include inaccuracies, typographical errors, or out-of-date information. Changes may be made at any time to the information on this website without prior notice.</p>
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<p><strong>Disclaimer of Warranty and Limitation of Liability</strong></p>
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<p>We do not warrant the accuracy, completeness, quality, adequacy or content of any information on this website. Such information is provided "as is" without warranty or condition of any kind, either expressed or implied, including, without limitation. We will not be responsible or liable for any direct, indirect, special, incidental, or consequential damage, or any other damages whatsoever, including, without limitation, lost revenues, lost profits or loss of prospective economic advantage, resulting from the use of or misuse of or inability to access or use this website.</p>
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<p><strong>No Solicitation</strong></p>
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Nothing on this website constitutes a solicitation or offer by us to buy or sell products or provide services of any kind whatsoever. You should always contact a professional.</p>
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<p><strong>Applicable Jurisdiction</strong></p>
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<p>The information on this website is intended for use by persons resident in Canada, in the Province of Alberta only. Any products or services mentioned on this website are made available only in accordance with local law (including applicable securities laws) and only where they may be lawfully offered for sale.</p>
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<p><strong>Third Party Links</strong></p>
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<p>Links to other websites are for convenience and information only and are independent from this site and therefore we have no control over the content of a lined website and will not be held liable for any inaccuracies in such information for the content of any linked website that are not maintained by us. We make no claims that third party websites will be free of viruses, Trojan horses or other destructive components on or from such links. Linking to another website is done at your own risk.</p>
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<p><strong>Material to be Consulted in its Entirety</strong></p>
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<p>All information on this website is meant to be reviewed in its entirety, including any footnotes, legal disclaimers, restrictions or disclosures, and any copyright or proprietary notices.</p>