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This publication has been prepared by ScotiaMcLeod, a division of Scotia Capital Inc. (SCI), a member of CIPF. This publication is
intended as a general source of information and should not be considered as personal investment or tax advice. We are not tax
advisors and we recommend that individuals consult with their professional tax advisor before taking any action based upon the
information found in this publication. Opinions, estimates, and projections contained herein are our own as of the date hereof and
are subject to change without notice. The information and opinions contained herein have been compiled or arrived at from sources
believed reliable but no representation or warranty, express or implied, is made as to their accuracy or completeness. Neither SCI
nor its affiliates accepts liability whatsoever for any loss arising from any use of this publication or its contents. This publication is not,
and is not to be construed as, an offer to sell or solicitation of an offer to buy any securities and/or commodity futures contracts. SCI,
its affiliates and/or their respective officers, directors, or employees may from time to time acquire, hold, or sell securities and/or
commodities and/or commodity futures contracts mentioned herein as principal or agent. SCI and/or its affiliates may have acted as
financial advisor and/or underwriter for certain of the corporations mentioned herein and may have received and may receive
remuneration for same. All insurance products are sold through ScotiaMcLeod Financial Services Inc., the insurance subsidiary of
Scotia Capital Inc., a member of the Scotiabank Group. When discussing life insurance products, ScotiaMcLeod advisors are acting
as Life Underwriters (Financial Security Advisors in Quebec) representing ScotiaMcLeod Financial Services Inc. This publication and
all the information, opinions, and conclusions contained in it are protected by copyright. This report may not be reproduced in whole or
in part, or referred to in any manner whatsoever, nor may the information, opinions, and conclusions contained in it be referred to
without in each case the prior express consent of SCI. All performance data represents past performance and is not indicative of
future performance. Scotia Capital Inc. and its affiliates may collectively beneficially own in excess of 1% of one or more classes of
the issued and outstanding equity securities mentioned in this article. Within the last 12 months, Scotia Capital Inc. may have undertaken
an underwriting liability with respect to equity securities of, or has provided advice for a fee with respect to any securities mentioned in t
his article. ® Registered trademark of The Bank of Nova Scotia used by ScotiaMcLeod under licence. ScotiaMcLeod is a division of
Scotia Capital Inc., Is a Member-Canadian Investor Protection Fund.
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