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Mutual funds are not guaranteed or covered by the Canada Deposit Insurance Corporation (CDIC) or any other government deposit insurer. Customers’ accounts are protected by the MFDA IPC within specific limits. Customers with accounts in Quebec are generally not covered by the IPC. Please refer to the IPC Coverage Policy on the website at www.mfda.ca/ipc for a description of the nature and limits of coverage or contact the IPC at 1-888-466-6332. For funds other than money market funds, unit values change frequently. There can be no assurance that money market funds will be able to maintain their net asset value per unit at a constant amount or that the full amount of your investment in a money market fund will be returned to you. Past performance of mutual funds cannot be guaranteed and may not be repeated. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Mutual funds and ETF’s are not guaranteed. Please read the prospectus/fund facts before investing.