Legal

Professional Investment Services (Canada) Inc. and its affiliates in the Global family of companies offer a variety of financial and life management products and services. References to "Professional Investment Services" or "we" may refer either to Professional Investment Services (Canada) Inc. or to its affiliates in the Global family of companies. By accessing this web site, you agree to be bound by and accept the following terms:

General

The contents of this web site are provided for information purposes only and are not intended to provide to you specific advice with respect to your financial, investment, tax, legal or accounting matters. For information specific to your situation you should consult a Professional Investment Services advisor or other appropriate investment, legal or accounting professional. If you rely on the information contained on this web site without seeking advice of a professional you do so at your own risk.

Facts and data provided in this web site are believed to be reliable when posted. Professional Investment Services cannot guarantee that they are accurate or complete or that they will be current at all times. All opinions expressed and data are subject to change without notice.

In addition to these terms and conditions you are bound by the specific terms and conditions set out in disclaimers applicable to various portions of this site. Professional Investment Services, its subsidiaries and affiliates are not responsible in any manner for direct, indirect, special or consequential damages howsoever caused, arising out of the use of this web site.

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Terms Of Use

Professional Investment Services (Canada) Inc. is the sole owner of the information collected on this Web site. We only gather information we need to serve you better and will not - without your consent, - sell, share, or rent this information to others in ways different from what is disclosed in this statement except in cases where in good faith we believe that the law requires us to do so, it is necessary to protect Professional Investment Services (Canada) Inc.'s rights and/or property, or if circumstances necessitate acting to protect the personal safety of staff or of the public.

All information on this Web site is copyright 2006 by Professional Investment Services (Canada) Inc. Applicable copyright laws protect the contents of this site. You may download information off the site but no permission is granted to copy, distribute, modify, post, or frame any text, graphics, video, audio, software code, user interface design, logos or other word marks used within the site that are registered trademarks of Professional Investment Services (Canada) Inc.

The information contained within this site is for general information only and is not intended to provided specific individual advise, such as but not limited to financial, legal, accounting or tax. An individual should consult with an independent professional advisor regarding their particular circumstances.

In no event will Professional Investment Services (Canada) Inc. and its affiliates be liable to you or anyone else for any loss or damages whatsoever (including direct, indirect, special, incidental consequential, exemplary or punitive damages) resulting from the use or misuse of Professional Investment Services (Canada) Inc.'s web site, or reliance on the information documents, software or content thereof, even if Professional Investment Services (Canada) Inc. or its affiliates have been advised of the possibility of such damages.

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Products and Services

Certain products and services may not be available through all offices. Products and services may only be sold through companies and individuals licensed to sell the product in jurisdictions in which the product is qualified for sale. This web site does not constitute an offer or solicitation to buy or sell any product or service to anyone in the United States of America, its territories or possessions or in any jurisdiction in which an offer or solicitation is not authorized or cannot legally be made or to any person to whom it is unlawful to make an offer or solicitation. For information specific to your jurisdiction, please contact your nearest Professional Investment Services office.

The terms and conditions under which products and services may differ from those set out on this web site and may change from time to time. Products and services are provided only in accordance with the terms of the specific investment contract, prospectus or other documents or contracts governing their sale. In case of any inconsistency between the content of this web site and any such investment contract, prospectus or other document or contract the terms of the investment contract, prospectus or other document or contract shall prevail. While every effort is made to keep the contents of this web site current, you should check with your Professional Investment Services advisor to determine whether changes have been made to the terms and conditions under which Professional Investment Services products and services are offered that are not reflected on this web site.

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Investment Calculations

Calculations or projections are for general illustrative purposes only and are not guaranteed to be accurate or complete. Please use them only as guides or estimates.

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Trade-Marks And Copyrights

Certain names, words, phrases, graphics or designs in this web site may constitute trade names, registered or unregistered trade-marks or service marks (collectively, "Trade-Marks") of Professional Investment Services (Canada) Inc. or its affiliates or third parties. The Professional Investment Services symbol and Professional Investment Services are trade-marks of Professional Investment Services (Canada) Inc. or its affiliates in the Global family of companies used under licence. The display of Trade-Marks in this web site does not imply any licenses have been granted to any third party.

Users of this web site shall be entitled to copy any information from this web site for their own personal use provided that it is not modified and that all copyright and other notices contained in this web site are maintained. Users of this web site may not otherwise use, reproduce, broadcast, publish or re-disseminate any information, in whole or in part, without the prior written permission of Professional Investment Services.

Any unauthorized downloading, re-transmission, or other copying or modification of these Trade-Marks or of the contents of this web site may be a violation of law that may and could subject you to legal action.

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Third Party Links

Links to other web sites are for convenience only, are independent from Professional Investment Services and therefore Professional Investment Services has no control over the content of a linked web site. Professional Investment Services will not be liable for any inaccuracies in such information or for the content of any linked web sites that are not maintained by Professional Investment Services nor does Professional Investment Services endorse any product or service available through a linked web site. Professional Investment Services makes no claims that third party web sites will be free of viruses, worms, trojan horses or other destructive components on or from such web sites. Linking to another web site is at your sole risk and Professional Investment Services is not responsible or liable for any damages in connection with linking.

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Securities Information

Commissions, trailing commissions, management fee, and expenses all may be associated with mutual fund investments. Mutual funds are not guaranteed and are not covered by the Canadian Deposit Insurance Corporation. Important information is contained in a funds simplified prospectus. Please read the prospectus before investing. Mutual fund values change frequently and past performance may not be repeated.

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Use of E-Mail

E-mail over the internet is not a secure medium and privacy cannot be assured. Professional Investment Services (Canada) Inc. cannot assume any responsibility for any harm or damage you may experience or incur by sending personal or confidential information to Professional Investment Services (Canada) Inc. over the Internet by e-mail, or if we send such information at your request.

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Non-Mutual Fund Investments

Representatives act on behalf of Professional Investment Services (Canada) Inc. for the sole purpose of mutual fund investments and Professional Investment Services (Canada) Inc. Representatives may conduct other business activities such as insurance sales, financial planning, or pension consulting with a separate firm. Professional Investment Services (Canada) Inc. does not supervise the other business activities and assumes no responsibility for any such activity.

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Jurisdiction

This Web site does not constitute an offer or solicitation in any jurisdiction in which it is not authorized to do so, nor to any person to whom it is unlawful to solicit or make such an offer. This Web site is intended for Canadian Residents only. Mutual Funds distributed through Professional Investment Services (Canada) Inc. will not be sold to any person residing outside Canada unless law in that foreign jurisdiction permits such sales. If you reside outside Canada, please consult with your advisor to determine whether Mutual Funds distributed through Professional Investment Services (Canada) Inc. may be lawfully sold in your jurisdiction.

This web site will be governed by and construed in accordance with the laws of the Province of Alberta and the laws of Canada applicable therein, without giving effect to any principles of conflicts of laws. All disputes, controversies or claims arising out of or in connection with the web site shall be submitted to and be subject to the jurisdiction of the courts of the Province of Alberta. You submit and attorn to the exclusive jurisdiction of the courts of the Province of Alberta to finally adjudicate or determine any suit, action or proceeding arising out of or in connection with the website.

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