Disclaimer

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 and Manulife Securities Insurance Inc.

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 upon request.

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.

Insurance products and services offered through Manulife Securities Insurance Inc. (a licensed life insurance agency and subsidiary of the Manulife group of companies) by Manulife Securities Advisors licensed as life agents.

The opinions expressed are of Stephen Whipp & may not be of Manulife Securities Incorporated or Manulife Securities Insurance Inc.

This website is not meant to provide legal or account advice. You should consult your own professional advisor for advice based on your specific circumstances.

This material is not to be construed as an offer or solicitation. The securities mentioned may not necessarily be considered suitable investments for all clients. Contact an Investment Advisor to discuss your individual investment needs.

Stephen Whipp and Manulife Securities Incorporated (Manulife)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 Stephen Whipp or Manulife. The information in this communication is subject to change without notice.

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