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Laurentian Bank: Laurentian Bank.

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Mutual funds are distributed by LBC Financial Services Inc. (“LBCFS”), a wholly-owned subsidiary of Laurentian Bank. LBCFS is a legal entity distinct from Laurentian Bank, B2B Trustco, Mackenzie Financial Corporation (Mackenzie Investments), and from all other issuer or mutual fund companies whose products it distributes. Each licensed LBCFS representative is also a Laurentian Bank employee. The liability of LBCFS is limited to the conduct of its representatives in the performance of their duties for LBCFS. Important information is contained in the relevant fund facts. We ask that you read this document or these documents carefully prior to investing. For more information with regards to the funds traded, please refer to the funds simplified prospectus. To obtain your copy of the fund facts and/or simplified prospectus concerning the fund or funds you have chosen, please contact an LBCFS representative at the Bank branch. Investing in a mutual fund (“fund”) may result in sales and trailing commissions, management fees, administration fees and other fees. The funds available through LBCFS are not insured by the Canada Deposit Insurance Corporation, Canadian securities regulators, or any other public deposit insurer. In addition, mutual funds are not guaranteed in whole or in part by Laurentian Bank, B2B Trustco, or any other entity. There is no guarantee that a fund will maintain a constant value per unit, or that you will recover the full amount invested in a fund. Funds often fluctuate in value, and past performance is not an indicator of future performance.

Existing investment accounts are offered by Laurentian Bank or LBC Financial Services Inc. LBCFS is a wholly owned subsidiary of Laurentian Bank and a separate legal entity from Laurentian Bank, B2B Trustco and all other issuers or mutual fund companies whose products it distributes. Newly opened investment accounts will be offered by LBCFS. Every Laurentian Bank advisor is also a licensed LBCFS mutual fund representative. LBCFS’s liability is limited to the conduct of its representatives in the performance of their duties for LBCFS.