Legal Disclaimer

The presentation of information on this Web Site does not establish any form of relationship with M3 Financial Group Inc. The information on this web site is public information and is not individualized legal advice. Readers should not rely on or take any action based upon this information; professional advice should be obtained. While we strive for accuracy‚ it is possible that the information on our site may contain errors or omissions. We disclaim any liability for any such errors or omissions. While you are encouraged to send e–mails to our offices and advisors‚ it must be noted that such an e–mail is not intended to create a client relationship. Please do not send any detailed financial materials or in–depth planning information to us until after you have contacted one of our advisors.

Manulife Securities Disclaimer

The information contained herein is for Canadian residents only and does not constitute an offer to sell or a solicitation in any jurisdiction in which Manulife Securities or its Advisors are not appropriately licensed or registered or where any Product or Service is not eligible for sale. Details are available on request.

Manulife Securities and the block design are registered service marks and trade marks of The Manufacturers Life Insurance Company and are used by it and its affiliates including Manulife Securities Incorporated.

Manulife Securities Incorporated is a Member CIPF

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.

There are a number of risks associated with an investment. Investors should refer to each Partnership’s offering documents for details. Important information about this offering is contained in the prospectus relating to this offering, a copy of which should be obtained from the agents or the offices of designated subagents. You should review the prospectus carefully‚ and consult your Advisors‚ including tax Advisors‚ before making an investment decision. This material does not constitute an offer to sell or a solicitation to buy any security. Such an offer can only be made by prospectus.

Manulife Securities Incorporated is committed to protecting your privacy and the confidentiality of your personal information. A copy of our privacy policy is available upon request. If you have any questions about this policy‚ please call us at 1–800–991–2121.

Manulife Securities Incorporated is registered as an Investment Dealer‚ or its equivalent‚ with the provincial securities commissions and as such our Advisors are entitled to sell mutual funds‚ stocks‚ bonds and other 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 Investment Industry Regulatory Organization of Canada ("IIROC")‚ Manulife Securities Incorporated is obligated to disclose to you that you may be dealing with companies other than Manulife Securities Incorporated when purchasing services or products from your Associate (remuneration to your Associate may also come from various sources depending on the services or products purchased). For example‚ your 37 Associate may offer any one or more of the following through a separate business‚ which would not be the responsibility of Manulife Securities Incorporated:
* 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 Associate would be happy to provide any clarification you require.

Ryan Ardron‚ Victor Lough and Manulife Securities Incorporated ("Manulife Securities") 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 Ryan Ardron‚ Victor Lough or Manulife Securities. The information in this communication is subject to change without notice.