Disclaimers

The information contained herein is for Canadian residents only and does not constitute an offer to sell or a solicitation in any foreign jurisdictions, or in any Canadian jurisdiction where Jennifer Cook or Bill (William) Wenman is not qualified to effect sales.

Mutual Funds:

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.

OBA Disclaimer
Manulife Securities Investment Services Inc.:

Manulife Securities Investment Services Inc. is registered as a Mutual Fund Dealer, or its equivalent, with the provincial securities commissions and as such our 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"), Manulife Securities Investment Services Inc. when purchasing services or products from your Associate (remuneration to your Associated may also come from various sources depending on the services or products purchased). For example your Associated may offer any one or more of the following through a separate business, which would not be the responsibility of Manulife Securities Investment Services Inc.:

*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 Associate would be happy to provide any clarification you require.