Disclaimer

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 Venture Capital Corporation Funds (LSVCCFs)

Labour-Sponsored Venture Capital Corporation Funds (LSVCCFs) are mutual funds that make venture capital investments in privately held Canadian businesses. The objective of LSVCCFs is to achieve long-term capital appreciation. Although LSVCCFs are mutual funds, many of the rules designed to protect investors who buy mutual funds do not apply to them. In particular, the rules requiring investments by LSVCCFs to be liquid have been waived. A shareholder’s right of redemption is also restricted. LSVCCFs have tax credits subject to certain conditions and are generally subject to recapture if shares are redeemed within eight years.

Borrowing to Invest (Leverage Risk)

Using borrowed money to finance the purchase of securities involves greater risk than a purchase using cash resources only. If you borrow money to purchase securities, your responsibility to repay the loan and pay interest as required by its terms remains the same if the value of the securities purchased declines.

Jurisdiction

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.

No Endorsements

References in this 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 M4T/FDCI website. M4T/FDCI is not responsible for the information contained on these websites.

No Advice

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.

Revisions, Inaccuracies, Users

This web site is intended for Canadian 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.

Non-Mutual Fund Related Business

M4T/FDCI advisor team may be licensed for the sale of life insurance. Investment team advisors are registered through separate organizations for each purpose, and as such, you may be dealing with more than one entity depending on the products purchased. Team advisors 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 Money for Tomorrow Wealth Management (M4T)/Funds Direct Canada Inc. (FDCI), and M4T/FDCI will not be liable or responsible for such activities.

All non-mutual fund related business conducted by a M4T/FDCI advisor is not in the capacity of an employee or agent of Money for Tomorrow Wealth Management/Funds Direct Canada 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, M4T/FDCI is not liable and/or responsible for any non-mutual fund related business conducted by team advisors. Such non-mutual fund related business is the responsibility of the advisor alone.