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Mutual Fund Disclaimers | |
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Past performance does not guarantee future results. Fund unit values and investment returns will fluctuate. Important information is contained in each mutual fund's prospectus. Prospectuses can be obtained through ScotiaMcLeod. We consider most of this site to be investor information about mutual funds and investing for our existing clients, and not sales communication. However, if you consider this site to be sales communication, National Policy 39 requires that we also add the following: Required Disclosure and Warning Language for Sales CommunicationsA sales communication that includes a rate of return or mathematical table illustrating the potential effect of a compound rate of return shall contain a statement in substantially the following words: The rate of return or mathematical table shown is used only to illustrate the effects of the compound growth rate and is not intended to reflect future values of the mutual fund or asset allocation service or returns on investment in the mutual fund or from the use of the asset allocation service. Required Disclosure and Warning Language for Sales Communications without performance dataA sales communication of a mutual fund that is not a money market fund (i.e.; anything other than a money market fund) and that does not contain performance data shall contain a warning in substantially the following words: 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. A sales communication of a money market mutual fund that does not contain performance data shall contain a warning in substantially the following words: Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. 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 of your investment in the fund will be returned to you. Past performance may not be repeated. A sales communication for an asset allocation service that does not contain performance data shall contain a warning in substantially the following words: Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments and the use of an asset allocation service. Please read the prospectus of the mutual funds in which investment may be made under the asset allocation service before investing. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated. Required Disclosure and Warning Language for Sales Communications with performance dataA sales communication of a mutual fund that is not a money market fund (i.e.; anything other than a money market fund) and contains performance data shall contain a warning in substantially the following words: Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. The indicated rate(s) of return is (are) the historical annual compounded total return(s) including changes in (share or unit) value and reinvestment of all (dividends or distributions) and does (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. A sales communication of a money market mutual fund that does contain performance data shall contain a warning in substantially the following words: Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. The performance data provided assumes reinvestment of distributions only and does not take into account sales, redemption, distribution or optional charges or income taxes payable by any security holder that would have reduced returns. 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 of your investment in the fund will be returned to you. Past performance may not be repeated. A sales communication for an asset allocation service that does contain performance data shall contain a warning in substantially the following words: Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments and the use of an asset allocation service. Please read the prospectus of the mutual funds in which investment may be made under the asset allocation service before investing. The indicated rate(s) of return is (are) the historical annual compounded total return(s) assuming the investment strategy recommended by the asset allocation service is used and after deduction of the fees and charges in respect of the service. The return(s) is (are) based on the historical annual compounded total returns of the participating funds including changes in (share) (unit) value and reinvestment of all (dividends or distributions) and does (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.
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