Products and Services Disclosure:

Manulife Securities Incorporated offers products including and not limited to, Stocks, Bonds, ETFs and Mutual Funds. Insurance products and services are sold through Manulife Securities Insurance Inc, by Robert Fainer and through Philip Fainer, both Independent Financial Security Advisors. Please confirm with your Advisor which company you are dealing with for each of your products and services.

Relationship Disclosure:

Fainer Wealth Group is a trade name registered exclusively to Robert and Philip Fainer. Manulife Securities related companies are 100% owned by The Manufactures Life Insurance Company (MLI) which is 100% owned by the Manulife Financial Corporation a publicly traded company. Details regarding all affiliated companies of MLI can be found on the Manulife Securities website www.manulifesecurities.ca. Please confirm with your advisor which company you are dealing with for each of your products and services.

Market Commentary Disclosure:

These publications are solely the work of the author for the private information of his clients. These are not official publications of Manulife Securities Incorporated. The views, opinions and recommendations are those of the author alone and they may not necessarily be those of Manulife Securities Incorporated. These publications are not an offer to sell or a solicitation of any offer to buy any securities. These publications are not meant to provide legal, accounting or account advice, as each situation is different, you should seek advice based on your specific circumstances. Please call to arrange for an appointment. The information contained in these publications was obtained from sources believed to be reliable; however, no representation or warranty, express or implied, is made by the writer, Manulife Securities Incorporated or any other person as to their accuracy, completeness or correctness.

Opinion Disclosure:

Publications contain opinions that may not reflect opinions of Manulife Securities Incorporated. The information contained in these publications was obtained from sources believed to be reliable, but no representation, or warranty, expressed or implied, is made by the writer or Manulife Securities Incorporated or any other person as to their accuracy, completeness or correctness. These publications are not an offer to sell or a solicitation of an offer to buy any of the securities. The securities discussed in these publications may not be eligible for sale in some jurisdictions. If you are not a Canadian resident, this report should not have been delivered to you. These publications are not meant to provide legal or accounting advice, as each situation is different you should consult your own professional Advisors for advice based on your specific circumstance.