Heather Johns, Certified Financial Planner

on (“SRO”) for the distribution side of the Canadian mutual fund industry. To learn more about the MFDA please visit http://www.mfda.ca. Commissions, trailing commissions, management fees, and expenses may all be associated with mutual fund investments. The indicated rates of return are the historical annual compounded total returns including changes in unit/share value and reinvestment of all distributions/dividends. They 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. Please read the prospectus and consult your Financial Advisor before investing.