Disclaimer

The information in this communication is subject to change without notice.

Carol Sargeant is licensed for the sale of mutual fund securities in the provinces of British Columbia, Alberta and Manitoba and the sales of insurance products in British Columbia, Manitoba, Ontario and Quebec. Ken Sargeant is licensed for the sales of mutual fund securities in British Columbia as well as insurance products British Columbia, Alberta, Saskatchewan, Nova Scotia and New Brunswick. As such, this communication does not constitute an offer or solicitation by anyone in any jurisdiction in which such an offer or solicitation is not authorized or to any person to whom it is unlawful to make such an offer or solicitation. Prospective investors who are not resident in Canada should consult with their financial planners to determine if these securities may be lawfully sold in their jurisdiction.

Carol Sargeant, Ken Sargeant, and RMS Retirement Management Services will not be held liable for any inaccuracies in the information presented in any linked site to this website.

The contents of this website are for information purposes only. Under no circumstances should the contents of this website be considered "advice" and relied upon as a substitution for consultation with a financial or tax advisor.

Mutual fund sales are conducted through Global Maxfin Investments Inc.

Mutual Fund Disclaimers

Mutual Funds (no performance data):
Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated.

Money Market (no performance data):
Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Mutual fund securities are not covered by the Canada Deposit Insurance Corporation 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 on your investment in the fund will be returned to you. Past performance may not be repeated.

Income Trust Mutual Fund:
Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. The payment of distributions should not be confused with a fund's performance, rate of return, or yield. If distributions paid by the fund are greater than the performance of the fund, then your original investment will shrink. Distributions paid as a result of capital gains realized by a fund and income and dividends earned by a fund are taxable in your hands in the year they are paid. Your adjusted cost base will be reduced by the amount of any returns of capital. If your adjusted cost base goes below zero, then you will have to pay capital gains tax on the amount below zero. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated.

Labour-Sponsored Investment Funds (LSIFs):
Commissions, trailing commissions, management fees and expenses all may be associated with investments in labour-sponsored investment funds ("LSIFs"). Please read the prospectus before investing. Labour-sponsored investment funds (LSIFs) are not guaranteed their value changes frequently and past performance may not be repeated. Availability and amounts of tax credits are subject to certain conditions and limitations and are subject to repayment if shares are not held for eight years.

Borrowed Money Disclaimer

Borrowed Money (& Leverage):
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 even if the value of the securities purchases declines.

Website/Canadian Residency Disclaimer

The information contained herein is for Canadian residents only and does not constitute an offer to sell or a solicitation in any foreign jurisdiction, or in any Canadian jurisdiction where Ken Sargeant or Carol Sargeant are not qualified to effect sales. This website is not meant to provide legal or account advice. As each situation is different you should consult your own professional advisor for advice based on your specific circumstances.

Link Disclaimer: Link to Third Party Website

Ken Sargeant, Carol Sargeant, RMS Retirement Services and Global Maxfin Investments Inc. (Global) do not make any representation that the information in any linked site is accurate and will not accept any responsibility or liability for any inaccuracies in the information not maintained by them, such as linked sites. Any opinion or advice expressed in a linked site should not be construed as the opinion or advice of Ken Sargeant or Carol Sargeant or Global. The information in this communication is subject to change without notice.

Dual-Branding Disclaimer

Global Maxfin Investments Inc.:
Global Maxfin Investments Inc. is registered as a Mutual Fund Dealer with the Provincial Securities Commissions and as such our Associates are entitled to sell mutual funds and other approved securities as permitted under our registration. They may also be able to provide other services or products to you through their own business. As a member of the Mutual Fund Dealers Association of Canada ("MFDA"), Global Maxfin Investments Inc. is obligated to disclose to you that you may be dealing with companies other than Global Maxfin Investments Inc. when purchasing services or products from your Associate (remuneration to your Associate may also come from various sources depending on the services or products purchased).
For example, your Associate may offer any one or more of the following through a separate business, which would not be the responsibility of Global Maxfin Investments Inc.:

• Deposit Instruments: GICs, Canada Savings Bonds;
• Fee for Service Financial Planning;
• Estate Planning;
• Tax Planning or Income Tax Preparation;
• Insurance: Life, Accident, Sickness, Disability, General.

Suitability Disclaimer

This material is not to be construed as an offer or solicitation. The securities mentioned may not be necessarily be considered to be suitable investments for all clients. Contact your investment advisor to discuss your individual investment needs.