Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated. Mutual fund securities are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer. 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 on your investment in the fund will be returned to you. Past performance may not be repeated. Global Maxfin Investments Inc. (GMII) is registered as a Mutual Fund Dealer with the Provincial Securities Commissions and as such our Financial Advisors are entitled to sell mutual funds and other approved securities as permitted under our registration. They may also be able to provide other services or products to you through their own business. As a member of the Mutual Fund Dealers Association of Canada ("MFDA"), GMII is obligated to disclose to you that you may be dealing with companies other than GMII when purchasing services or products from your Financial Advisor (remuneration to your Financial Advisor may also come from various sources depending on the services or products purchased). For example, your Financial Advisor may offer any one or more of the following through a separate business, which would not be the responsibility of GMII: Deposit Instruments: GICs, Canada Savings Bonds; Fee for Service Financial Planning; Estate Planning; Tax Planning or Income Tax Preparation; Insurance: Life, Accident, Sickness, Disability, General. Please be sure that you have a clear understanding of which company you are dealing with for each of your services and products. Your Financial Advisor would be happy to provide any clarification you require. This publication contains opinions of the writer and may not reflect opinions of GMII. The information contained herein was obtained from sources believed to reliable, but no representation, or warranty, express or implied, is made by the writer or GMII or any other person as to its accuracy, completeness or correctness. This publication is not an offer to sell or a solicitation of an offer to buy any of the securities. The securities discussed in this publication may not be eligible for sale in some jurisdictions. If you are not a Canadian resident, this report should not have been delivered to you. This publication is not meant to provide legal or account advice. As each situation is different you should consult your own professional advisors for advice based on your specific circumstances. Grant Simpson and Global Maxfin Investments Inc. (GMII) do not make any representation that the information in any linked site is accurate and will not accept any responsibility or liability for any inaccuracies in the information not maintained by them, such as linked sites. Any opinion or advice expressed in a linked site should not be construed as the opinion or advice of Grant Simpson or GMII. The information in this communication is subject to change without notice. Only Mutual Funds services are offered and regulated through Global Maxfin Investments Inc.