This material is provided for information purposes only and is not to be construed as an offer to sell or a solicitation to buy any securities included in the U.S.A., its territories or possessions.

Commissions, trailing commissions, management fees, and expenses may all be associated with mutual fund investments. The indicated rates of return are the historical annual compounded total returns including changes in unit/share value and reinvestment of all distributions/dividends. They do not take into account sales, redemption, distribution or optional charges or income taxes payable by any security holder that would have reduced returns. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated. Please read the prospectus and consult your Advisor before investing.

Although this material has been compiled from sources believed to be reliable, we cannot guarantee its accuracy or completeness. All opinions expressed and data provided herein are subject to change without notice.

This material is not intended to provide, and should not be construed as providing individual financial, investment, tax, legal or accounting advice.

You should consult your professional advisor(s) prior to acting on the basis of the information herein. For further information, please contact an Advisor.

Jerold Snider is a Senior Financial Planner and Branch Manager with Assante Financial Management Ltd.

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