Scotia Securities,

Scotia Securities Inc. is committed to providing you with high quality advice and service intended to assist you in meeting your financial objectives. In order to do that, they must under regulatory requirements obtain information from you about your income, net worth, investment objectives, investment knowledge, risk tolerance and investment time horizon. You need to promptly advise us if there has been material change to any of the information previously provided. Based on what you have told us, they provide investment advice and recommendations intended to help you achieve your investment goals. While they will provide you with advice and recommendations, you must make the decision on what actions are to be taken and provide your specific authorization for each investment transaction.