2. D'Arcy E. Barker and D'Arcy Barker Money Management Counsel are licenced and approved in the provinces of Manitoba, Saskatchewan, and Alberta.

3. You cannot buy [units] [shares] of any segregated fund, labour-sponsored investment fund, or mutual fund until you have read the prospectus (mutual and labour-sponsored funds) or information summary folder (segregated funds).

4. Any rates of return shown are used only to illustrate the effects of the compound growth rate and is not intended to reflect future values of any investment or insurance product.

5. Mutual funds, Segregated Investment Funds, and Labour-Sponsored Investment Funds are not guaranteed, their values change frequently, and past performance may not be repeated. They are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer. Segregated Fund investments are not covered by CompCorp. There can be no assurances that the fund will be able to maintain its net asset value at a constant amount or that the full amount of your investment in the fund will be returned to you. The merits of the funds as a whole should be considered before investing.

6. Income tax savings are only one aspect of labour-sponsored investment funds. Importanto information about the funds are contained in the funds' prospectus, which may be obtained from your investment representative.

7. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund, labour-sponsored investment fund, and segregated fund investments. Please read the prospectus before investing. The indicated rate[s] of return is [are] the historical annual compounded total return[s] including changes in [share or unit] value and reinvestment of all [dividends or distributions] and does [do] not take into account sales, redemption, distribution or optional charges or income taxes payable by any securityholder that would have reduced returns.

8. Any reference to life insurance values are only complete if they are accompanied by a fully compliant and personalized illustration (including a narrative, Sensitivity Analysis, Detailed Calculations, and summary page). Some life insurance values may not be guaranteed. The life insurance values explain certain concepts used and there may be assumptions in their preparation.

9. Any reference to disability or critical illness insurance values are only complete if they are accompanied by a fully compliant and personalized illustration.

10. All company trademarks on this website are representative of some of the investment and insurance companies with which D'Arcy Barker Money Management Counsel transacts business. All trademarks are owned and controlled by their respective companies and indicate no direct or indirect affiliation with D'Arcy Barker or D'Arcy Barker Money Management Counsel.

11. Any articles written on this website, including opinions expressed therein, unless otherwise attributed, are the sole property and opinions of D'Arcy Barker Money Management Counsel.

12. Any tax or strategic information contained on this website is intended to provide general guidelines only. The application and impact of the law can vary widely from case to case based on the specific or unique facts involved. Accordingly, the information is not intended to serve as legal, accounting, or tax advice. Users are encouraged to consult with their professional advisers for advice concerning specific matters before making a decision.