References in this Website to "Jones Heward" are to Jones Heward Investment Counsel Inc.

The products and services described on this Website are available only in jurisdictions where they may be lawfully offered for sale. The information on this Website is not an offer or solicitation by anyone in any jurisdiction in which an offer or solicitation cannot lawfully be made, or to any person to whom it is unlawful to make a solicitation.

If you choose to access this Website from outside Canada, you do so on your own initiative and are responsible for compliance with applicable local, national or international laws and regulations. You may not use or export or re-export any of the information contained on this Website or copy any adaptation in violation of any applicable laws or regulations, including export laws and regulations of Canada in force from time to time.

This information has been provided on a voluntary basis by Jones Heward and is for information purposes only. It is not intended to constitute legal, accounting, financial or tax advice and should not be relied upon in that regard. Many factors relating to your particular circumstances that are unknown to us may affect the applicability of the information provided. You should consult directly with Jones Heward or your professional advisers before acting on any information on this Website. Jones Heward takes reasonable steps to provide up to date, accurate and reliable information, and believes the information to be so when posted. The information on this Website may be changed at any time without prior notice. As a user, you agree to review the Legal Notices regularly, and your continued access or use of this Website will mean that you agree to any changes.

Jones Heward is not responsible in any manner and will not be liable to you or anyone else for any damages whatsoever (including direct, indirect, incidental, special, consequential, exemplary or punitive damages, and without limitation, lost revenues or profits or loss of prospective economic advantage) arising out of your use or inability to make use of this Website or the information therein, and/or any web browser, including any damages you may suffer if you transmit confidential or sensitive information to us or if we communicate such information to you at your request over the Internet. Furthermore, we are not liable for any action or decision made by you in reliance on this Website or the information contained therein, or any unauthorized use or reproduction of the Website or the information, even if Jones Heward has been advised of the possibility of damages. The Legal Notices are to be read by you together with any terms, conditions or disclaimers provided in the pages of this Website (the “Page Disclaimers”). In the event of any conflict between the Legal Notices and Page Disclaimers, the Page Disclaimers will govern.

All products and services of Jones Heward are subject to the terms of each and every applicable agreement governing their use, in addition to, the Legal Notices and Page Disclaimers. In the event that the Legal Notices or Page Disclaimers are inconsistent with the terms of any agreement, the terms of the agreement will govern.

Links from this Website to other websites or references on this Website to products, services or publications other than those of Jones Heward do not imply the expressed or implied endorsement or approval of such websites, products, services or publications by Jones Heward.

Links from or to websites outside of this Website are intended for convenience only. Jones Heward does not review, approve, endorse or control, and is not responsible for any sites linked from or to this Website, the content of those sites, the third parties named therein, or their products and services. Linking to any other site is at your own risk, and Jones Heward will not be responsible or liable for any damages in connection with linking. Links to downloadable software sites are for convenience only and Jones Heward is not responsible or liable for any difficulties associated with downloading the software. While every effort is made to ensure that all software provided at this Website, or at a link from this Website, is suitable for use on a wide variety of computer systems, you should take reasonable and appropriate precautions to scan for computer viruses and ensure compatibility of the software with your specific computer system. Use of any downloaded software is governed by the terms of any licence agreement, which accompanies or is provided with the software.

Confidentiality and security of information over the Internet is not possible at this time. Jones Heward cannot ensure the privacy and authenticity of any information or instructions you send to us or that we send to you over the Internet. Jones Heward will not be responsible for any damages you may incur if you communicate confidential information to us over the Internet or if we communicate such information to you at your request.

Certain names, words, titles, phrases, logos, icons, graphics or designs or other content in this Website may constitute trade names, registered or unregistered trade-marks or service-marks (“Trade-marks”) of the members of BMO Financial Group (“BMO”), including Jones Heward or of third parties and are used under licence by Jones Heward or the other members of BMO. However, the display of trade-marks on the pages of this Website does not imply that a licence of any kind has been granted to any third party. Trade-marks may be registered in Canada and in other countries.

All information on this Website is protected under the copyright laws of Canada and other countries. Users of this Website shall be entitled to copy any information for their own personal use but may not republish or reproduce any such information in any manner, including electronic reproduction by “uploading” or “downloading”, without the prior written consent of Jones Heward. Otherwise, no one has permission to copy, redistribute, reproduce or republish, store in any medium, re-transmit, modify or make public or commercial use of, in any form, any information found in the pages of this Website.

Any unauthorized downloading, re-transmission, or other copying or modification of trade-marks or other contents of this Website may be a violation of statutory or common laws rights which could subject the violator to legal action.

Notwithstanding the above, nothing contained in this section shall be construed as conferring any right or licence under any copyright of Jones Heward or any other person who owns the copyright in the content provided on this Website

® "BMO (M-Roundel)" and “BMO” are registered trade-marks of the Bank of Montreal, used under licence.

Jones Heward and its officers, directors, employees or agents provide the Website on an "as is, where is" basis and do not make any express or implied warranties, representations, endorsements or conditions with respect to the Website or the information contained therein, including without limitation, warranties as to merchantability, operation, non-infringement, usefulness, completeness, accuracy, timeliness, reliability and fitness for a particular purpose. Further, Jones Heward does not represent or warrant that the Website will be available and meet your requirements, that access will be uninterrupted, that there will be no delays, failures, errors (including typographical) or omissions or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your computer system. You have the sole responsibility for adequate protection and backup of data and/or equipment and to take reasonable and appropriate precautions to scan for viruses or other destructive properties. Some jurisdictions do not allow for the exclusion of implied warranties, so the above may not apply to you.

This Website is administered by Jones Heward. This Website will be governed by and construed in accordance with the laws of the Province of Ontario and the laws of Canada applicable therein, without giving effect to any principles of conflicts of laws. All disputes, controversies or claims arising out of or in connection with this Website shall be submitted to and be subject to the jurisdiction of the Courts of the Province of Ontario. As a user, you submit and attorn to the exclusive jurisdiction of the courts of the Province of Ontario to finally adjudicate or determine any suit, action, or proceeding arising out of or in connection with this Website.