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1. General

This communication is intended for Canadian residents only, and does not constitute an offer to sell or solicitation of an offer to sell by anyone in any jurisdiction in which such an offer or solicitation is not allowed. Important information about any investment fund is contained in its Offering Memorandum or Prospectus. All investors should read these documents before investing.

All returns are historical annual compounded total returns at including changes in unit value and distributions reinvested. Returns do not take into account sales, redemption, distribution or optional charges or income taxes payable by any security holder that would have reduced returns. Commissions, trailing commissions, management fees and expenses may be associated with fund investments. Investment funds are not guaranteed, their values change frequently and past performance may not be repeated.

With respect to money market funds, 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 an investment in the fund will be returned to the investor. Investment fund securities are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer.

2. Selling Restrictions Outside Canada / Offshore

The distribution of a prospectus or offering memorandum qualifying for sale in Canada funds sponsored by T.I.P. Wealth Manager Inc. (the "T.I.P. Fund(s)") and the offering or purchase of the units/shares may be restricted in certain jurisdictions outside of Canada. No persons receiving a copy of a T.I.P. Funds prospectus or offering memorandum in any such jurisdiction may treat the document as an invitation to purchase units/shares unless such an invitation could be lawfully made to them without compliance with any registration or other legal requirements. A T.I.P. Funds prospectus or memorandum is not an offer to sell or solicitation of an offer to sell by anyone in any jurisdiction where such offer or solicitation is unlawful or in which the person making such offer or solicitation is not qualified to do so or to anyone to whom it is unlawful to make such an offer or solicitation.

It is the responsibility of any persons in the possession of a T.I.P. Funds prospectus or offering memorandum and any persons wishing to apply for units/shares pursuant to a T.I.P. Funds prospectus or offering memorandum to inform themselves of, and to observe, all applicable laws and regulations of any relevant jurisdiction. Prospective purchasers of units/shares should inform themselves as to the legal requirements of such purchases and any applicable exchange control regulations and taxes in the countries of their respective citizenship, residence, incorporation or domicile.

Neither the T.I.P. Funds nor the manager shall have any obligation to make any filings or do any acts in order to permit such offerings in any jurisdiction and shall be entitled to require evidence that an offering to the investor in such jurisdiction is in compliance with the local laws.

The units/shares of T.I.P. Funds have not been and will not be registered for sale under U.S. securities laws and may not be offered or sold directly or indirectly in the United States or to any U.S. person (including any citizen or resident of the United States, any partner or corporation organized or incorporated under the laws of the United States and certain estates and trusts organized under U.S. laws) unless pursuant to an exemption from registration.

3. Content

The information presented on this site is provided as a general source of information, is not guaranteed to be current, accurate or complete, and is subject to change without notice. T.I.P. Wealth Manager Inc. accepts no responsibility for any loss or damage that results from any information contained on this Site or accessed through other sites to which this Site is linked. T.I.P. Wealth Manager Inc. makes no representation or warranties whatsoever about the data or information in any linked sites and specifically makes no representation that such data or information is accurate or complete. The information presented in this site should not be considered personal investment or professional advice. You should apply or seek professional judgment in making use of such information, including without limitation, the use, timeliness or accuracy of any information as the basis for any conclusions. You should always consult with your financial, legal or tax advisor for advice that reflects your personal circumstances.

The information is provided "as is", with no guarantees, representations, or warranties of any kind, express or implied. T.I.P. Wealth Manager Inc. does not warrant that this site, the sites to which this site is linked, and any information, or other material downloaded from this site, or linked sites are uninterrupted, error-free, or free of viruses, defects or other harmful components.

4. Third Party Link

References in this web site to third parties' goods or service are not endorsements or approval of such goods or services, and are meant for convenience only. Links to other Web sites are not endorsements or approvals of such sites, the third parties named therein, or their products and services, nor is any liability assumed for incompatibility, non-suitability, viral infection, worms, trojan horses or other destructive/disruptive components on or from such sites. Linking to another site is at your sole risk and T.I.P. is not responsible or liable for any damages in connection with linking.

5. Visiting Our Website

When you visit our web sites and move within the pages, we obtain information on what pages were visited, whether secure sites were accessed and the number of visits to the site. This information is only measured in aggregate and not associated with you individually.

6. Tax Issues

The authors of this site will try, but cannot guarantee, to provide information which is current and accurate. Individual circumstances have a significant effect on how tax and financial information can be used. Due to this, and to the nature of the information, it should not be relied upon for decision making without professional advice.

T.I.P. Wealth Manager Inc. © 2006 All Rights Reserved
Last modified June 3, 2013