Legal

Your access to and continued use of this web site (the “Site”) constitutes your acceptance of and is conditional upon your continued acceptance of and compliance with the following terms (the “Terms”), as well as all applicable laws and regulations. If you do not agree with any of these Terms, do not use this Site. Also note that these Terms may change from time to time.

General

All products and services of Schwaben Capital Group Limited and its subsidiaries, affiliates, partners and associated businesses (collectively, “Schwaben”) are subject to the terms and conditions of the applicable agreements governing their use.

These Terms are to be read by you together with any terms, conditions or disclaimers provided in the pages of this Site. In the event of any conflict, the terms provided in the pages of this Site will govern.

The information, material and content provided in the pages of this Site (the “Information”) may be changed at any time without notice. Changes may be made to the Terms at any time without notice by updating this posting. You agree to review the Terms regularly and by continuing to access or use the Site, you agree to any changes. It is your responsibility to check for any such changes.

Reserved Rights and Grant of Limited License

This Site is controlled and operated by Schwaben. Schwaben either owns or has the intellectual property rights, including copyright, in all Information, including, but not limited to, images, illustrations, audio clips and video clips on the Site.

Users of the Site are granted a limited license to use (display or print) the Information for their own personal non-commercial use only, provided the Information is not modified and a copy of this agreement is attached to any copies that are made. Any other use of the Information is prohibited. Unless otherwise specified, none of the Information may be otherwise downloaded, copied, reproduced, republished, modified, stored in any medium, uploaded, posted, re-transmitted or re-disseminated in any manner or form without the prior written consent of Schwaben.

No Solicitation

The Information on this Site is provided for informational purposes only. No part of the Site should be taken to constitute an offer or solicitation to buy or sell securities and/or other products or services, unless otherwise stated.

Local Laws

It is important to note that not all the products, services and Information are available in all provinces of Canada or in other jurisdictions outside Canada and the United States of America. The Information does not constitute an offer or solicitation to buy or sell any product, service or information to anyone in any jurisdiction in which an offer or solicitation is not authorized or cannot legally be made or to any person to whom it is unlawful to make an offer or solicitation.

The terms and conditions applicable to any product, service or information will be those determined at the time of provision of the product, service or information. Please be aware of the laws of your country or that otherwise apply to you in relation to any of the matters described in these pages. If you choose to access the Site from outside of Canada or the United States of America, you do so on your own initiative and are responsible for compliance with applicable local, national or international laws. You may not use or export or re-export the Information of any copy or adaptation in violation of applicable laws or regulations, including export laws and regulations of Canada in force from time to time.

Links to Other Web Sites

The Site may contain links to other sites provided as references to help you identify and locate other Internet resources that may be of interest. These other sites were independently developed by parties other than Schwaben and Schwaben does not review, endorse, approve or control and is not responsible for the accuracy or appropriateness

of the information contained, or endorse the viewpoints expressed, at such sites. In providing links to other sites, Schwaben is in no way acting as a publisher of the material contained on those other sites and does not seek to control the content of or maintain any editorial control over such sites.

Linking to any other site is at your sole risk and Schwaben will not be responsible or liable for any damages in connection with linking. Links to downloadable software sites are for convenience only and Schwaben is not responsible or liable for any difficulties of consequences associated with downloading the software. Use of any downloaded software is governed by the terms of the license agreement, if any, which accompanies or is provided with the software.

A link to another site should not be construed to imply that Schwaben is affiliated or associated with or is legally authorized to use any trademark, trade name, logo or copyrighted symbol that may be reflected in the link or the description of the link to such other sites.

No Endorsement

The mention of another party or its product or service on the Site should not be construed as an endorsement of that party or its product or service.

Trademarks

Certain words, phrases, names, designs, icons, graphics or logos used on the Site may constitute trademarks, service marks or trade names of Schwaben or other entities. The display of any trademarks on the Site does not imply that a license has been granted for any further use. Any unauthorized downloading, re-transmission or other copying or modification of trademarks may be a violation of federal or common law and/or trademark law and could be subject to legal action.

Internet E-Mail

Any unencrypted or otherwise unprotected e-mail communication over the Internet is, as with communication via any other medium, not confidential, subject to possible interception or loss, and is also subject to possible alteration. Schwaben is not responsible for and will not be liable to you or anyone else for any damages in connection with an e-mail sent by you to Schwaben or an e-mail sent by Schwaben to you at your request.

Conformance with Law

You agree that your use of the Site shall not violate any applicable local, national or international law, including but not limited to any regulations having the force of law. Some jurisdictions may have restrictions on the use of the Internet by their residents.

No Warranties

Information provided on the Site is believed to be reliable when posted. However, Schwaben does not guarantee the quality, accuracy, completeness or timeliness of the Information provided. Schwaben assumes no obligation to update the Information or advice on further developments concerning topics mentioned. Information contained on the Site may contain typographical errors. Information provided may be changed without notice.

Access to this Site is provided on an “as is, where is” basis. Schwaben and its officers, directors, employees, and agents disclaim all express or implied warranties, representations, endorsements and conditions regarding use of the Site, or the Information provided, including without limitation, all warranties as to merchantability, operation, fitness for a particular purpose, non-infringement, usefulness, completeness, accuracy, currency and reliability, whether arising from a course of dealing, usage

or trade practice. Further, there are no representations and warranties that the Site will be available and meet your requirements, that access will be uninterrupted, that there will be no delays, failures, errors or omissions or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your computer system. You may not use or export or re-export the Information of any copy or adaptation in violation of applicable laws or data and/or equipment and to take reasonable and appropriate precautions to scan for computer viruses or other destructive properties.

Disclaimer

Even though the utmost has been done to protect the security of the information received and transmitted by this Site, Schwaben and its officers, directors, employees and agents are not responsible for any direct, indirect, special, incidental, consequential, exemplary, punitive or any other damages whatsoever and howsoever caused, arising out of or in connection with the use of the Site or in reliance on the Information available on the Site or as a result of transmitting confidential or sensitive information to Schwaben over the Internet or if Schwaben communicates such information to you over the Internet, including any loss of use, lost data, lost business profits, business interruption, personal injury, or any other pecuniary loss, whether in an action of contract, negligence or other tortuous action, even if Schwaben has been informed of the possibility these damages.

Choice of Law

This Site is administered by Schwaben from its offices in the Province of Ontario, Canada. The Site will be governed by the laws of the Province of Ontario and the laws of Canada applicable therein, notwithstanding any conflict of law provisions or your domicile, residence or physical location. All disputes, controversies or claims arising out of or in connection with the Site shall be submitted to and be subject to the jurisdiction of the courts of the Province of Ontario. You hereby submit and attorn to the exclusive jurisdiction of the courts of the Province of Ontario to finally adjudicate or determine any suit, action or proceeding arising out of or in connection with this Site.

If you do not agree to be bound by the above Terms, then please close the window on your web browser and exit this Site.