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Disclaimer 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. It is for general information only and is not intended to provide specific personalized advice including, without limitation, investment, financial, legal, accounting or tax advice. Investors should educate themselves regarding securities, taxation or exchange control legislation, which may affect them personally. Please consult an appropriate professional regarding your particular circumstances. Mutual Fund Products are processed through Equity Associates Inc a Mutual Fund Dealer. 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 and are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer. There can be no assurances that a mutual fund will be able to maintain its net asset value per security at a constant amount or that the full amount of your investment in the fund will be returned to you. Fund values change frequently and past performance may not be repeated. Segregated Fund Products are offered through Equity Associates Inc . and/or multiple carriers. Subject to any applicable death benefit guarantee, any part of the premium or other amount that is allocated to any applicable death benefit guarantee, any part of the premium or other amount that is allocated to a segregated fund, is invested at the risk of the policy owner and may increase or decrease in value according to the fluctuations in the market value of the assets of the segregated fund. All non-mutual fund related business conducted by Shirley Watson is not in the capacity of an employee or agent of Equity Associates Inc. Accordingly, Equity Associates Inc. will not be liable or responsible nor does Equity Associates Inc. provide supervision for any non-mutual fund related business conducted by Shirley Watson. Such non-mutual fund related business is the responsibility of Shirley Watson alone. As an Independent Life Insurance Agent, Shirley Watson is directly and individually contracted with multiple insurance carriers and processing business through HUB Financial a Managing General Agency ("MGA") for independent life insurance agents in Canada.