Disclaimer

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Mutual Funds and Exempt Market Products

Exempt mutual funds and/or exempt market products are offered through Investia Financial Services Inc. (“Investia”). Mutual funds and exempt market products are sold exclusively by representatives who are licensed by provincial regulators and registered with Investia.

Investments in mutual funds/exempt market products may result in commissions, trailing commissions, management fees and other expenses. Please read the fund facts or prospectus carefully before investing. Mutual fund investments and exempt market products are not guaranteed. Their value fluctuates frequently and past performance is not indicative of future performance.

Insurance

Insurance products are offered through several general agents.

Segregated funds

Segregated fund products are offered through Investia Financial Services Inc. and/or multiple general agents.

Subject to any death benefit guarantee, any portion of the premium or any other amount allocated to a segregated fund is invested at the policyholder’s risk and its value may increase or decrease based on fluctuations in the market value of the assets in the segregated fund.

Guaranteed Investments

Guaranteed investments are offered through Investia Financial Services Inc and/or several general agents.