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. Please note that Mutual Fund Representatives in Alberta are not permitted to sell LSIF.

An investor proposing to borrow for the purchase of securities should be aware that a purchase with borrowed monies involves greater risk than a purchase using cash resources only. The extent of that risk is a determination to be made by each purchaser and will vary depending on the circumstances of the purchaser and the securities purchased.

Discuss the risks associated with leveraged mutual fund purchased with an investment funds advisor before investing. Purchases are subject to suitability requirements. Using borrowed money to finance the purchase of securities involves greater risk than a purchase using cash resources only. If you borrow money to purchase securities, your responsibility to repay the loan and pay interest as required by its terms remains the same if the value of the securities purchased declines.

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.

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.

Frederick L. Emmons is an investment funds advisor [and may be licensed for the sale of life insurance]. Frederick L. Emmons is registered through separate organizations for each purpose and as such, you may be dealing with more than one entity depending on the products purchased. Frederick L. Emmons will provide the name of the entity being represented when insurance business is conducted. The sale of insurance products is not the business of or under the supervision of Investia Financial Services Inc. and Investia will not be liable or responsible for such activities.

All non-mutual fund related business conducted by Frederick L. Emmons is not in the capacity of an employee or agent of Investia Financial Services Inc. Non-mutual fund related business includes, without limitation, advising in or selling any type of insurance product, advising in or selling any type of mortgage service, estate and tax planning or tax return preparation. Accordingly, Investia is not liable and/or responsible for any non-mutual fund related business conducted by Frederick L. Emmons. Such non-mutual fund related business is the responsibility of Frederick L. Emmons alone.

References in this Internet Website to third party goods or services should not be regarded as an endorsement of these goods or services. By accessing any of the links provided you will be leaving the Emmons Financial Services/Frederick L. Emmons site. Emmons Financial Services/ Frederick L. Emmons is not responsible for the information contained on these websites.

The information contained on this Internet Website is for general information purposes only and is the opinion of the owners and writers. This information is not intended to provide specific personalized advice including, without limitation, investment, financial, legal, accounting or tax advice. However, please call Frederick L. Emmons to discuss your particular circumstances.

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.