Legal

Terms of Use

The terms of use provided below apply to the Scotia ETFs website (www.scotiabank.com/etf, the "Website") and to all products, services, resources, information, materials and other content available on the Website.

By accessing and using this Website you acknowledge that you have read, understood, and agree to accept and be bound by the terms of the Legal Notices set out below. We may modify these Terms at any time without prior notice, by posting any changes on this Website. Your continued access or use of the services provided by this Website will mean you accept the terms of the Legal Notices including any changes made to them. If you do not accept any of the terms below, please discontinue use of this Website and any of its associated pages. This Website and its terms are governed by the laws applicable in the Province of Ontario, Canada. All disputes arising from these terms must be resolved exclusively by the courts of the Province of Ontario.

Investment Funds

This Website does not constitute an offer or solicitation by anyone in the United States or any other jurisdiction in which such an offer or solicitation is not authorized or to any person to whom it is unlawful to make such an offer or solicitation. The investment funds described on this site are qualified for sale only to residents of Canada through registered financial advisors. Prospective investors who are NOT residents in Canada should consult with their financial advisor.

Scotia ETFs are managed by 1832 Asset Management L.P., a limited partnership the general partner of which is wholly owned by The Bank of Nova Scotia (referred to hereinafter individually as a "Fund", and collectively as the "Funds" or as "Scotia ETFs"). Scotia ETFs are available from dealers and advisors including ScotiaMcLeod® and Scotia iTRADE® which are divisions of Scotia Capital Inc. Scotia Capital Inc. is a member of the Canadian Investor Protection Fund and the Investment Industry Regulatory Organization of Canada. Scotia Capital Inc. is wholly owned by The Bank of Nova Scotia.

Each Scotia ETF has a prospectus and an ETF Facts document which contains important information about each Fund, including its investment objective, strategies, and applicable management fees and expenses. Copies of the prospectus and ETF Facts document are available on this Website or from representatives of authorized dealers. Commissions, management fees and expenses all may be associated with investments in ETFs. Please read the prospectus before investing. ETFs are not guaranteed, their values change frequently and past performance may not be repeated. Because ETFs are bought and sold on a stock exchange, you may pay brokerage fees to your dealer when you buy or sell units of the Fund.

Performance Information

The indicated rates of return shown for the Scotia ETFs are the historical annual compounded total returns including changes in unit value and reinvestment of all distributions and do not take into account sales, redemption, distribution or optional charges or income taxes payable by any investor that would have reduced returns. ETFs are not insured by the Canada Deposit Insurance Corporation or by any other government deposit insurer.

Compound growth calculations are used only for the purpose of illustrating the effects of compound growth and are not intended to reflect future values of any mutual fund or returns on investment in any mutual fund.

No Investment Advice

The contents of this Website are provided for informational and educational purposes and do not constitute specific advice regarding your personal investment situation or provide specific individual advice about investment, financial, legal, accounting, tax or similar matters. The information on this Website is subject to change without notice and we will not be held liable for any inaccuracies in the information provided.

Views expressed regarding a particular company, security, industry or market sector should not be considered an indication of trading intent of any of the Scotia ETFs managed by 1832 Asset Management L.P. These views are not to be relied upon as investment advice nor should they be considered a recommendation to buy or sell. These views are subject to change at any time based upon markets and other conditions, and we disclaim any responsibility to update such views.

Investors should consult their own financial advisor for specific investment advice tailored to their needs when planning to implement an investment strategy to ensure that their individual circumstances are considered properly and action is taken based on the latest available information.

Forward Looking Statements

Certain documents on this Website may contain forward-looking statements about the fund. Such statements are predictive in nature and depend upon or refer to future events or conditions and may include such words as "expects", "plans", "anticipates", "believes", "estimates" or other similar expressions. In addition, any statement regarding future performance, strategies, prospects, action or plans is also a forward-looking statement. Forward-looking statements are subject to known and unknown risks and uncertainties and other factors that may cause actual results, performance, events, activity and achievements to differ materially from those expressed or implied by such statements. Such factors include general economic, political and market conditions, interest and foreign exchange rates, regulatory or judicial proceedings, technological change and catastrophic events. You should consider these and other factors carefully before making any investment decisions and before relying on forward-looking statements. We have no specific intention of updating any forward-looking statements whether as a result of new information, future events or otherwise.

Third Party Links

To the extent this Website contains information or data obtained from third party sources, it is believed to be accurate and reliable as of the date of publication, but 1832 Asset Management L.P. does not guarantee its accuracy or reliability. Nothing on this Website is or should be relied upon as a promise or representation as to the future.

Links to other websites and references to third parties' goods or services are not endorsements or approval of such sites, goods or services, and are meant for convenience only. Linking to another website is at your sole risk and 1832 Asset Management L.P. will not be held responsible or liable for any damages in connection with linking to such third-party websites. 1832 Asset Management L.P. shall not be responsible or liable for any damages incurred to computer equipment or other types of equipment used nor for viruses that may infect the former due to the access and use of this website or the downloading of any document or materials of this website.

No Warranties or Liability

All information is provided "as is" without any warranties of any kind and 1832 Asset Management L.P. and its affiliates and their respective officers, directors, employees or agents make no representations and disclaim all express and implied warranties of any kind, including, without limitation, representations, warranties or conditions regarding accuracy, timeliness, completeness, non-infringement, merchantability or fitness for any particular purpose and 1832 Asset Management L.P. assumes no responsibility to you or any third party for the consequences of any errors or omissions.

1832 Asset Management L.P. is not responsible in any way for any damages (direct, indirect, special, incidental, economic, or consequential, exemplary or punitive) in respect of or in connection with the use or inability to use this Website, the information, or any action or decision made by you or anyone else in reliance on the website or the information, or any unauthorized use or reproduction of the website or the information.

Information Collected

When you visit this website, the following information may be recorded: your IP address, pages visited, content downloaded and cookies. A cookie is a piece of information about an Internet session that may be created when a visitor accesses a website and which is used to identify you and store certain information such as Login information when you choose "Remember my User ID," when logging onto our site. We use this information to provide a more customized user experience and to help us understand the number of people that visit this website and which sections of the Website are visited most frequently. This information may be used to determine which information is most useful, improve this website and to provide better customer service.

Internet Email

E-mail over the internet is not a secure medium and privacy cannot be assured. E-mail communication is not confidential, subject to possible interception or loss, and is also subject to possible alteration. Neither 1832 Asset Management L.P. nor its affiliates are responsible for and will not be liable to you or anyone else for any harm or damages in connection with an e-mail containing personal or confidential information sent by you to 1832 Asset Management L.P. or an e-mail by 1832 Asset Management L.P. to you at your request.

Trademarks and Copyrights

® Registered trademarks of The Bank of Nova Scotia, used under license.

™ Trademark of The Bank of Nova Scotia, used under licence. Scotia Global Asset Management is a business name used by 1832 Asset Management L.P.

The content of this Website is protected by applicable copyright laws. Information is provided for your personal, non-commercial use only and may be used and reproduced provided that it is not modified and that you maintain all copyright and other notices contained in the Website. Unauthorized downloading, re-transmission, storage in any medium, copying, redistribution, reproduction, or republication for any purpose is strictly prohibited.

Certain names, phrases, logos, graphics or designs or on this Website constitute trade names and registered/unregistered trademarks (collectively, the "trademarks") of their owner and its affiliates or of third parties and are used under license by us.

Attribution

Where FTSE indices are used or referenced: FTSE International Limited ("FTSE") © FTSE 2015. FTSE® is a trade mark of the London Stock Exchange Group companies and is used by FTSE under licence. All rights in the FTSE indices and / or FTSE ratings vest in FTSE and/or its licensors. Neither FTSE nor its licensors accept any liability for any errors or omissions in the FTSE indices and / or FTSE ratings or underlying data. No further distribution of FTSE Data is permitted without FTSE's express written consent.

Errors and Omissions

Scotia ETFs may change or update the information contained in this website without notice including changes or modifications relative to the products described herein. This website may contain certain grammatical errors as well as technical discrepancies.