Disclaimer

Regarding Opinion

I have prepared this commentary to give you my thoughts on various investment alternatives and considerations, which may be relevant to your portfolio. This commentary reflects my opinions alone, and may not reflect the views of CIBC Wood Gundy. In expressing these opinions, I bring my best judgment and professional experience from the perspective of someone who surveys a broad range of investments. Therefore, this report should be viewed as a reflection of my informed opinions rather than those produced by the CIBC Wood Gundy.

The particulars contained herein were obtained from sources we believe to be reliable, but are not guaranteed by us and may be incomplete. The opinions expressed are based upon our analysis and interpretation of these particulars and are not to be construed as a solicitation or offer to buy or sell the securities mentioned herein. Coreen T. Sol, CFA, a Portfolio Manager and Investment Advisor with CIBC Wood Gundy has prepared the information contained herein.

This information, including any opinion, is based on various sources believed to be reliable, but its accuracy cannot be guaranteed and is subject to change. CIBC and CIBC World Markets Inc., their affiliates, directors, officers and employees may buy, sell, or hold a position in securities of a company mentioned herein, its affiliates or subsidiaries, and may also perform financial advisory services, investment banking or other services for, or have lending or other credit relationships with the same. CIBC World Markets Inc. and its representatives will receive sales commissions and/or a spread between bid and ask prices if you purchase, sell or hold the securities referred to above. © CIBC World Markets Inc. 2016.

Regarding Securities

The securities or sectors mentioned on this website are not suitable for all types of investors and should not be considered as recommendations. Please consult your investment advisor to verify whether these securities or sectors are suitable for you, and to obtain complete information, including the main risk factors. The analysts at CIBC Wood Gundy may not monitor some of the securities mentioned in this letter.

Regarding Tax and Legal Information

Investors are advised to seek advice regarding their particular circumstances from their personal tax and legal advisors.

Regarding CIPF

CIBC Wood Gundy is a division of CIBC World Markets Inc., a subsidiary of CIBC and a Member of the Canadian Investor Protection Fund and Investment Industry Regulatory Organization of Canada.

Regarding Existing CIBC Wood Gundy Clients

If you are currently a CIBC Wood Gundy client, please contact your Investment Advisor.

Regarding Hedge Funds

Commissions, trailing commissions, management fees, and expenses may all be associated with hedge fund investments. Hedge funds may be sold by Prospectus to the general public, but more often are sold by Offering Memorandum to those investors who meet certain eligibility or minimum purchase requirements. An Offering Memorandum is not required in some jurisdictions. The Prospectus or Offering Memorandum contains important information about hedge funds – you should obtain a copy and read it before making an investment decision. Hedge funds are not guaranteed. Their value changes frequently, and past performance may not be repeated. Hedge funds are for sophisticated investors only.

Regarding Insurance Products

Insurance services are available through CIBC Wood Gundy Financial Services Inc. In Quebec, insurance services are available through CIBC Wood Gundy Financial Services (Quebec) Inc.

Licensing

The information contained in this website is only for residents of Quebec, Ontario, British Columbia and Alberta, given the current licenses applied for and held by Coreen T. Sol.

Privacy

When registering on our site, you may be asked to enter your name or email address. The information that we collect from you is used to personalize your experience (your information helps us to better respond to your individual needs), to improve customer service (to more effectively respond to your customer service requests) or to send periodic emails.

We protect your information with a variety of security measures. We do not sell or trade your information to outside parties. This does not include trusted third-parties who assist us in operating our website, conducting our normal course business, so long as those parties agree to keep this information confidential. We may release your information when we believe release is appropriate to comply with the law, enforce our site policies or protect our or others’ rights, property or safety.

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Occasionally, at our discretion, we may include or offer third-party links or services on our website. These third party sites have separate and independent privacy policies. We therefore have no responsibility or liability for the content and activities of these linked sites. Nevertheless, we seek to protect the integrity of our site and welcome any feedback about these sites.

By using our site, you consent to our privacy policy.

If we decide to change our privacy policy, we will post those changes on this page. This policy was last modified on May 29, 2015.

If there are any questions regarding this privacy policy, you may contact us at coreen.sol@cibc.ca.

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CIBC Wood Gundy is a division of CIBC World Markets Inc., a subsidiary of CIBC and a Member of the Canadian Investor Protection Fund and Investment Industry Regulatory Organization of Canada.

Disclaimer