Disclaimers

<p><strong>HUB Capital Inc. Disclaimer</strong></p>
<br>
<p>Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the fund specific simplified prospectus before investing. Mutual funds are not guaranteed and are not covered by the Canada Deposit Insurance Corporation (CDIC) 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.</p>
<br>
<p>Labour Sponsored Investment Funds ("LSIF") have tax credits that are subject to certain conditions and are generally subject to recapture, if shares are redeemed within eight years.</p>
<br>
<p>Please note that Mutual Fund Representatives in Alberta are not permitted to sell LSIF.</p>
<br>
<p>Your HUB Capital, Inc., mutual fund representative maintains business interests that are separate and distinct from his/her mutual fund business activities. You will be provided complete information concerning these outside business interests, including who is responsible for each business activity. The disclosure will provide you with that information and will explain your rights and with respect to business that you place with HCI through your mutual fund representative.</p>
<br>
<p>All business activity undertaken by your mutual fund representative that are not the specifically designated as “HCI Business Interests” are not the responsibility of HCI. Therefore, HCI does not assume any liability for any such activity. The information contained on this Internet Website is for general information purposes only and is the opinion of the owners and writers.</p>
<br>
<p>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.</p>
<br>
<p>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. References in this Internet Website to third party goods or services should not be regarded as an endorsement of those goods or services. By accessing any of the links provided you will be leaving the Mutual Financial Services website.
.</p>
<br>
<p>HCI is not responsible for the information contained on these websites. All information provided is believed to be accurate and reliable, however, we cannot guarantee its accuracy. HCI will not be held liable for any inaccuracies in the information presented, nor will HCI be held liable for any software damages resulting from the use of this website. Mutual funds are offered only in Canada.</p>
<br>
<p>Bill DeWinter's mutual fund sales practices is supervised by HUB Capital, Inc., their Mutual Fund Dealer-Firm. While Bill DeWinter is an Approved Person to sell mutual fund products through their Dealer-Firm, Bill DeWinter, however, is an independent contractors & therefore, no employer-employee relationship exists between them and their Dealer-Firm.</p>
<br>
<p>Mutual Financial Services is a company separate and distinct from HUB Capital Inc. with the sole purpose of promoting and sale of life insurance products in the province of Ontario. All non-mutual fund businesses of Bill DeWinter are undertaken through Mutual Financial Services and such activities are outside HUB Capital, Inc.'s supervision and responsibilities. Mutual Financial Services and/or Bill DeWinter shall be the sole persons responsible for any claims, liability or other legal remedies that may arise from carrying out their business practice.</p>
<br>
<p>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 Mutual Financial Services regarding your particular circumstances.</p>
<br>
<p>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.</p>
<br>
<p><strong>Insurance Disclaimer</strong></p>
<br>
<p>Insurance products provided as a life agent via multiple insurance carriers.</p>
<p>Relationship With Company (i.e.) Mutual Financial Services represents</p>
<br>
<p>No insurance company holds an ownership interest in Mutual Financial Services, nor do we hold an interest in any insurance company.</p>
<br>
<p><strong>Compensation</strong></p>
<br>
<p>If you choose to purchase a product through Mutual Financial Services, our firm will be paid a sales commission by the company that provides the product you purchase.</p>
<br>
<p>Our firm may receive a renewal (or service) commission if you keep that policy in force.</p>
<br>
<p>Our firm may also be eligible for additional compensation, such as bonuses, or non-monetary benefits, such as travel incentives, depending on various factors such as the volume or persistency of business that our firm places with a particular company during a given time period.</p>
<br>
<p><strong>Conflict of interest</strong></p>
<br>
<p>We take the potential of a conflict of interest seriously. We will notify you if there is a conflict of interest of which we become aware in regards to our recommendations to you or overall.</p>
<br>
<p>Recommendation will take into consideration, and will be based on our analysis of your financial security needs.</p>
<br>
<p><strong>Personal Information & Money Laundering Act</strong></p>
<br>
<p>Should you choose to proceed with the insurance, the law requires us to verify all owners and third party identification(s), and all information obtained for the purpose of obtaining insurance will be held private and confidential and will never be used for any other reason.</p>