DISCLAIMER

Important information about any mutual fund is contained in its prospectus. Read your prospectus carefully before investing. The information contained within this website is not intended to solicit mutual fund sales. Materials and information included within this website is intended exclusively for information purposes only. Past performance of mutual funds or of any methods used to increase performance of mutual funds are no guarantee of future results.

Specifically, investors who may wish to utilize any information provided within this website for their own investment purposes do so at their own risk. Specifically, investors utilizing any information from this website, accept that they are making their own decisions, and agree to accept responsibility of their actions and decisions, and by doing so indemnify John Smart or employees or associates of Smart Investments, and all associated parties, including Investia Financial Services Inc., for any of the results that might occur from using this information, or from any trading activity. At no time may the speed of trades or processing be guaranteed. Fund unit values and investment returns will fluctuate over time.

The information in this communication is subject to change without notice.  Investia Financial Services Inc. and John Smart will not be held liable for any inaccuracies in the information not maintained by Investia Financial Services Inc. and John Smart, such as linked sites.  This communication does not constitute an offer or solicitation by anyone in any jurisdiction in which such an offer or solicitation is not authorized or to any person to whom it is unlawful to make such an offer or solicitation.  Prospective investors who are not resident in British Columbia, Alberta, Ontario or Quebec should consult with their financial consultant or mutual funds consultant to determine if these securities may be lawfully sold in their jurisdiction.