Disclaimer

Only registered representatives of a Mutual Fund Dealer offer mutual funds.

Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the simplified prospectus before investing. Mutual funds are not guaranteed and 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. Fund values change frequently and past performance may not be repeated.

Labour Sponsored Funds have tax credits that are subject to certain conditions and are generally subject to recapture, if shares are redeemed within eight years.

Investors should educate themselves regarding securities, taxation or exchange control legislation, which may affect them personally. This web site is for general information only and is not intended to provide specific personalized advice including, without limitation, investment, financial, legal, accounting or tax advice. Please consult an appropriate professional regarding your particular circumstances.

This Internet Website does not constitute an offer or solicitation in any jurisdiction in which such offer or solicitation is not authorized or to any person to whom it is unlawful to make such offer or solicitation.

Brahm Reinblatt is a registered mutual fund representative with Hub Capital Inc. for the sale of mutual funds and a financial security advisor for the sale of life insurance. Brahm Reinblatt is registered through separate organizations for each purpose and as such, you may be dealing with more than one entity depending on the products purchased. Brahm Reinblatt will provide the name of the entity being represented when insurance business is conducted. The sale of insurance products is not the business of, or under the supervision of, HUB Capital Inc. and Hub Capital Inc. will not be liable or responsible for such activities.

All non-mutual fund related business conducted by Brahm Reinblatt is not in the capacity of an employee or agent of Hub Capital Inc. Non-mutual fund related business includes, without limitation, advising in or selling any type of insurance product, advising in or selling any type of mortgage service, estate and tax planning or tax return preparation. Accordingly, Hub Capital Inc. is not liable and/or responsible for any non-mutual fund related business conducted by Brahm Reinblatt. Such non-mutual fund related business is the responsibility of Brahm Reinblatt alone.

LINKS DISCLAIMERS

References in this Internet Website to third party goods or services should not be regarded as an endorsement of these goods or services. By accessing any of the links provided you will be leaving the Reinblatt Financial site. Brahm Reinblatt is not responsible for the information contained on these websites.

OPINION/RECOMMENDATION DISCLAIMER

The information contained on this Internet Website is for general information purposes only and is the opinion of the owners and writers. This information is not intended to provide specific personalized advice including, without limitation, investment, financial, legal, accounting or tax advice. However, please call Brahm Reinblatt to discuss your particular circumstances.

This web site is intended for Quebec residents only and the information contained herein is subject to change without notice. The owner and publisher of this Internet Website are not liable for any inaccuracies in the information provided.

INVESTOR PRIVACY STATEMENT

As an organization that collects, uses and discloses personal information, Reinblatt Financial is subject to the federal Personal Information Protection and Electronic Document Act (or by similar laws in the provinces of Alberta , British Columbia and Quebec ), effective January 1st, 2004. In complying with these laws, it is important that Reinblatt Financial provide you with information so that you may fully understand the purposes for which your personal information is collected.

Over the course of your relationship with Reinblatt Financial and your representative, personal information will be collected in order to administer your mutual fund account. This information typically includes your financial information and investment objectives, in addition to your current investments, banking information and your social insurance number. This information allows for, but is not limited to, the buying and selling of mutual funds on your behalf, in addition to providing you with reporting and the administration of your account in a compliant and regulatory manner.

At times, Reinblatt Financial may be required to provide this information to mutual fund companies in which you invest, self-regulatory organizations, securities regulators, law enforcement agencies and to companies that perform services on our behalf. These organizations, like Reinblatt Financial are bound and must comply with the same federal/provincial privacy act(s). Reinblatt Financial does not disclose your information to any other organization(s) to use for their own purposes and in particular will never sell or trade your personal information.

The purposes for which we collect, use and disclose your personal information are central to our being able to provide you with our services. Should you have objections to the collection and disclosure of your personal information, as listed in the foregoing, Reinblatt Financial will no longer be in a position to provide you with these services. Therefore, by maintaining your account with Reinblatt Financial we will consider that you have consented to our collecting, using and disclosing your personal information.

In representing Reinblatt Financial, your representative is acting on behalf of the mutual fund dealer, HUB Capital Inc. Your representative may also be licensed to sell other products and, therefore may wish to provide you with advice and services in that other capacity. Should they do so, your representative will communicate with you directly regarding any additional use or disclosure of your personal information.

If you wish to review or make changes to your personal information you may do so by making a written request to:
Privacy Officer, Hub Capital Inc., 3700 Steeles Ave. West Suite 1001 , Woodbridge , Ontario . L4L 8M9

Should you have any questions or concerns regarding the use of your personal information we encourage you to speak with your representative. Alternatively, you may contact the Privacy Officer for Hub Capital Inc. via fax at 1-866-289-6761