TERMS AND CONDITIONS OF USE

If you access and use this website (the "site"), you agree to be bound by the terms and conditions hereafter (the "terms and conditions") and to comply with them. You do so of your own volition, and it is incumbent on you to respect the applicable local, national or international laws. If you refuse to be bound by the terms and conditions, please do not use the site.

The terms and conditions govern any use of this site. They may be amended, updated or completed by additional conditions on other pages of the site. In the event of a contradiction between the terms and conditions provided here and those on the other pages of the site, the latter shall take precedence.

The information, material and data contained in the pages on the site (the "information") are considered reliable at the time of publication, but there is no guarantee that they are exact, complete or up-to-date at any time. Without limiting the generality of the foregoing, the information may contain technical inaccuracies or typographical errors, and Optimum Asset Management Inc., its subsidiaries and the other subsidiaries of the Optimum Group Inc., their directors, their officers, their representatives, their employees and their mandataries cannot be held responsible in any way for damage that may arise therefrom.

All the products and services offered on the site by Optimum Asset Management Inc. are governed by separate agreements and documents pertaining thereto. Optimum Asset Management Inc. reserves the right to modify these products and services or to remove them from the site at any time without notice. In the event of a contradiction between the terms and conditions described on the site and those in an agreement between you and Optimum Asset Management Inc. or another subsidiary of the Optimum Group Inc., the agreement shall take precedence.

The products, services and information referred to on the site are not necessarily offered or relevant everywhere in Canada or outside Canada. The information does not constitute an offer or a solicitation for the purchase or sale of currencies, investment funds or other products (investment, asset management or other products), services or information to anyone in a territory where such offer or solicitation is not authorized or cannot be made legally, and it is not intended for persons to whom it would be illegal to make such an offer or whom it would be illegal to solicit. For information specific to a country, a province, a state or a territory, please contact your legal, taxation, financial or other advisers.

THE SITE IS SOLELY FOR INFORMATION PURPOSES

The information is presented solely for information purposes, is intended for personal use and shall in no way be interpreted as advice on taxation, financial, accounting, legal or other matters regarding investment or asset management. Do not act on the basis of the information without first consulting a professional. Legal, taxation or financial advisers can help you ensure that the measures you intend to take are in accordance with information that is the most recent and the most relevant to your specific situation.

Optimum Asset Management Inc., Optimum Group Inc. and its subsidiaries will not be responsible for damage that you may suffer as a result of using the information posted on the site.

DISCLAIMER

Optimum Asset Management Inc. makes the information and the site available to you with no implicit or explicit guarantee, and disclaims any responsibility in respect of their accuracy, reliability, relevance or completeness. Moreover, Optimum Asset Management Inc. does not warrant that the site will be accessible at all times without interruption, or that there will be no delays, failures, errors, omissions or losses in the transmission of information, or that it will meet your needs, or that no virus, malicious program or other harmful software will be transmitted or that no damage will be caused to your computer system, even if Optimum Asset Management Inc. has been informed of the possibility of such damage. You alone must take the necessary measures to protect your computer system and the data it contains from such threats.

COPYRIGHT AND INTELLECTUAL PROPERTY

None of the items on the site may be copied, reproduced, published, modified, posted, transmitted or distributed in whole or in part, in any form whatsoever, without the prior written authorization of the site owner. Such action could contravene the applicable legislation on intellectual property and give rise to claims.

Certain names, images, logos, icons, graphics or drawings posted on the site are trade names or trademarks belonging to Optimum Asset Management Inc., the Optimum Group Inc. or the subsidiaries of the Optimum Group Inc., and no provision of the terms and conditions shall be interpreted as conveying in any way whatsoever a patent, a licence, a copyright, a trademark or any other intellectual property right of Optimum Asset Management Inc., the Optimum Group Inc. or one of its subsidiaries, nor shall it permit the use thereof.

ELECTRONIC COMMUNICATION

Like other types of communication (telephone, mail, etc.), unprotected e-mail is not confidential and can be lost, altered, modified and even intercepted. Optimum Asset Management Inc. and the Optimum Group Inc. and its subsidiaries decline any liability in respect of you or anyone else for damage resulting from electronic transmission by you of a message to Optimum Asset Management Inc. or by Optimum Asset Management Inc. to you.

LINKS AND SOFTWARE

The links on the site to other websites, including links to the other sites of the Optimum Group Inc. and its subsidiaries, are provided solely for the convenience of users. Optimum Asset Management Inc. does not check or approve these external sites. Optimum Asset Management Inc. assumes no responsibility in respect of these other external sites or the data they contain, or the third parties designated thereon or their products and services. Navigation to an external site takes place at your own risk, and Optimum Asset Management Inc. cannot be held liable for the damage that such a link may cause.

Links provided to external sites that enable users to download certain software programs are provided only for the convenience of users, and Optimum Asset Management Inc. cannot be held responsible for difficulties, problems or annoyances that may arise from downloading or attempts to download such software programs. Their use is subject to compliance with any applicable licensing agreements.

JURISDICTION

Optimum Asset Management Inc. administers the site from its offices in Montréal, Province of Québec, Canada. The site, the information, the terms and conditions and the disclaimer clauses on the site pages are governed and interpreted according to the laws of the Province of Québec and of Canada, which are applicable regardless of your place of domicile, your residence or your location. All recourses and claims arising from the use of the site, the information, the terms and conditions and the disclaimer clauses on the site pages come under the exclusive jurisdiction of the courts of the Province of Québec, judicial district of Montréal.

PERSONAL INFORMATION

Optimum Asset Management Inc. undertakes not to sell, transmit or distribute personal information (including e-mail addresses) provided by persons who consult the site to any organization outside the Optimum Group Inc. without their prior written authorization.