LOCAL LAWS.

It is important to note that not all of the products, services and information are available in all provinces or in jurisdictions outside Canada. The information does not constitute an offer or solicitation to buy or sell any currency, investment fund or other product, service or information to anyone 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 any specific provincial jurisdiction, please contact your financial advisor.

The terms and conditions applicable to any product, service or information will be those determined at the time of provision of the product, service or information. Please be aware of the laws of your country or that otherwise apply to you in relation to any of the matters described in these pages. If you choose to access the site from outside of Canada, you do so on your own initiative and are responsible for compliance with applicable local, national or international laws. You may not use or export or re-export the information or any copy or adaptation in violation of any applicable laws or regulations, including export laws and regulations of Canada in force from time to time.

NOT OFFERING ANY ADVICE

The information is for informational purposes only and is not intended to provide specific financial, investment, tax, legal or accounting advice for you, and should not be relied upon in that regard. You should not act or rely on the information without seeking the advice of a professional.

NO WARRANTIES

Summexx Financial Group Inc. and its affiliates, subsidiaries, officers, directors, employees, advisors, representatives or agents (the "Company") provide the site and the information on an "as is, where is" basis and do not make any express or implied warranties, representations, endorsements or conditions with respect to the site or the information, including without limitation, warranties as to merchantability, operation, non-infringement, usefulness, completeness, accuracy, correctness, reliability and fitness for a particular purpose. Further, the Company does not represent or warrant that the site will be available and meet your requirements, that access will be uninterrupted, that there will be no delays, failures, errors or omissions or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your computer system. You have sole responsibility for adequate protection and backup of data and/or equipment and to take reasonable and appropriate precautions to scan for computer viruses or other destructive properties.

INTERNET E-MAIL

Any unprotected email communication over the Internet is, as with communication via any other medium (e.g. cellular phones, post office mail), not confidential, subject to possible interception or loss, and is also subject to possible alteration. The Company is not responsible for and will not be liable to you or anyone else for any damages in connection with an E-Mail sent by you to the Company or an E-Mail sent by the Company to you at your request.

NO ENDORSEMENTS

No endorsement or approval of any third parties or their advice, opinions, information, products or services is expressed or implied by any information.

NO LIABILITY

The Company is not responsible for and will not be liable to you or anyone else for any damages whatsoever (including direct, indirect, incidental, special, consequential, exemplary or punitive damages) arising out of or in connection with your use of or inability to use the site or the information, or any action or decision made by you in reliance on the site or the information, or any unauthorized use or reproduction of the site or the information, even if the Company has been advised of the possibility of these damages.

LINKS/SOFTWARE

Links from or to web sites outside the site are meant for convenience only. The Company does 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 the Company. The information in this communication is subject to change without notice does not review, endorse, approve or control, and is not responsible for any sites linked from or to the site, the content of those sites, the third parties named therein, or their products and services.

Linking to any other site is at your sole risk and the Company will not be responsible or liable for any damages in connection with linking. Links to downloadable software sites are for convenience only and the Company is not responsible or liable for any difficulties or consequences associated with downloading the software. Use of any downloaded software is governed by the terms of the license agreement, if any, which accompanies or is provided with the software.

WEBSITE/CANADIAN RESIDENCY

The information contained herein is for Canadian residents only and does not constitute an offer to sell or a solicitation in any foreign jurisdiction, or in any Canadian jurisdiction where The Company is not qualified to effect sales. This website is not meant to provide legal or account advice. As each situation is different you should consult your own professional advisor for advice based on your specific circumstances.

JURISDICTION

The site is administered by the Company from its offices in Quebec. The site will be governed by and construed in accordance with the laws of the Province of Quebec 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 site shall be submitted to and be subject to the jurisdiction of the courts of the Province of Quebec. You submit to the exclusive jurisdiction of the courts of the Province of Quebec to finally adjudicate or determine any suit, action or proceeding arising out of or in connection with the site.

PRIVACY STATEMENT

In January 2004, the new federal law on privacy called the "Personal information Protection and Electronic Documents Act " (PIPEDA) came into effect. In the following document, we explain how the federal privacy policy acts in protecting your personal information and why your private information is collected. Please read the text below which will serve as our notification on the type of personal information we collect and how we use it. The Mutual Fund Dealers Association stated that " For regulatory purposes, self-regulatory organizations including Market Regulation Services Inc., the Investment Dealers Association of Canada, Bourse de Montreal., and the Canadian Investor Protection Fund (collectively, " SROs ")require access to personal information of current and former clients, employees, agents, directors, officers, partners and others that has been collected or used by Regulated Persons. SROs collect, use or disclose such personal information obtained from Regulated Persons. SROs collect, use or disclose such personal information obtained from Regulated Persons for regulatory purposes. "

It is our obligation to collect this information and we must decline to accept or administer an account in respect of which an individual does not consent to such intended collection, use or disclose of personal information to SROs and the use and disclosure of that information by SROs. We do not sell, share or provide any of your personal information to any third parties.

WHY YOUR PRIVATE INFORMATION IS COLLECTED?

Your private information is collected in the process of setting up your account, conducting all transacting activities, and servicing your financial and insurance products. We require your private information for the following :

Surveillance of trading-related activity

Sales, financial compliance, trade desk review and other regulatory audits- Investigation of potential regulatory and statutory violations

Regulatory databases

Enforcement or disciplinary proceedings

Reporting to securities regulators

Information-sharing with securities regulatory authorities, regulated marketplaces, other self-regulatory organizations and law enforcement agencies in any jurisdiction in connection with any of the foregoing.

WHAT TYPE OF INFORMATION IS COLLECTED?

Name, home address and home phone number, credit information, maritul status, date of birth, income, net worth, sex, social insurance number, occupation.

* Dénégations de responsabilité à l'égard du calculateur

Ce calculateur est fourni uniquement à des fins illustratives; vous ne devez pas vous y fier pour obtenir une indication précise de vos besoins financiers en vue de la retraite. Étant donné que la situation de chaque personne est unique et sujette à des changements avec le temps, les résultats sont limités par l'exactitude des suppositions que vous faites en fournissant l'information utilisée dans le calcul. Je (nous) ne garantis (garantissons) pas que ce calculateur est fiable, précis ou intégral, ou qu'il sera compatible avec votre ordinateur.

** Dénégations de responsabilité à l'égard d'illustration

Le taux de rendement montré sert uniquement à illustrer les effets du taux de croissance composé et ne vise pas à donner une indication de la valeur future du fonds commun de placement ni les taux de rendement futurs d'un placement dans le fonds commun de placement.

*** Dénégation de responsabilité à l'égard des hyperliens

Liens vers des sites Web de tierces parties GROUPE FINANCIERS SUMMEXX Inc. ne font aucune déclaration quant à l'exactitude de l'information présentée sur d'autres sites accessibles par des hyperliens contenus dans le présent site et n'assument aucune responsabilité de toute inexactitude contenue dans des informations qu'ils ne maintiennent pas, comme celles sur de tels sites liés. Toute opinion ou tout conseil exprimé sur un site lié ne doit pas être interprété comme l'opinion ou le conseil de GROUPE FINANCIERS SUMMEXX Inc.