This communication does not constitute an offer or solicitation by anyone in the United States or in 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. Prospective investors who are NOT residents in Canada should consult with their advisor to determine whether the funds described in this Web site may be lawfully sold in their jurisdiction.

Important information about the AGF Group of Funds and Harmony is contained in the Simplified Prospectus. Obtain a copy from your financial advisor, mutual fund specialist or from AGF Investments through the Forms & Resources area of our site. Please read it carefully before investing.

Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. The indicated rate[s] of return is [are] the historical annual compounded total returns[s] including changes in [share or unit] value and reinvestment of all [dividends or distributions] and does [do] not take into account sales, redemption, distribution or optional charges or income taxes payable by any security holder that would have reduced returns. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated.

The payment of distributions should not be confused with a fund's performance, rate of return or yield. If distributions paid by the fund are greater than the performance of the fund, your original investment with shrink. Distributions paid as a result of capital gains realized by a fund, and income and dividends earned by a fund are taxable in your hands in the year they are paid. Your adjusted cost base will be reduced by the amount of any return of capital. If your adjusted cost base falls below zero, you will have to pay capital gains tax on the amount below zero.

Information contained on this Web site is believed to be accurate and reliable, however, we cannot guarantee that it is accurate or complete or current at all times. The information provided is subject to change without notice and AGF will not be held liable for inaccuracies in the information presented.

The contents of this Web site are provided for informational and educational purposes, and are not intended to provide specific individual advice including, without limitation, investment, financial, legal, accounting or tax. Please consult with your own professional advisor on your particular circumstances.

Unauthorized downloading, re-transmission, storage in any medium, copying, redistribution, reproduction, or republication for any purpose is strictly prohibited.

No Warranties

All information provided on this Web site is provided "as is" without any warranties of any kind and AGF makes no representations and disclaims 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. AGF assumes no responsibility to you or any third party for the consequences of any delays, failures, errors or omissions or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your computer system.

The contents of the AGF Web site are protected by applicable copyright laws. No permission is granted to copy, distribute, modify, post, or frame any text, graphics, video audio, software code or user interface design or logos. Unauthorized use or exploitation of such marks and names is strictly prohibited.

Internet Email

Email over the Internet is not a secure medium and privacy cannot be assured. Email communication is not confidential, subject to possible interception or loss, and is also subject to possible alteration. AGF is not responsible for and will not be liable to you or anyone else for any harm or damages in connection with an email or text message, containing personal or confidential information sent by you to AGF or an email or text message sent by AGF to you at your request.

Investment Calculator

The performance calculator is intended to assist you in reviewing the performance of the investments you selected over a specific period of time. Calculations or projections, not intended to be used as a sales communication, are for general illustrative purposes only and are not guaranteed to be accurate or complete or to reflect actual future values or returns on any fund described in this Web site. Please use them only as guides or estimates for the specific criteria you requested. Past performance does not guarantee future performance.

References in this Web site to third parties' goods or service are not endorsements or approval of such goods or services, and are meant for convenience only. Links to other Web sites are not endorsements or approvals of such sites, the third parties named therein, or their products and services, nor is any liability assumed for incompatibility, non-suitability, viral infection, worms, trojan horses or other destructive/disruptive components on or from such sites. Linking to another site is at your sole risk and AGF is not responsible or liable for any damages in connection with linking.

Disclaimer of Liability

AGF 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 the Web site, the information, or any action or decision made by you or any one else in reliance on the Web site or the information, or any unauthorized use or reproduction of the Web site or the information, even if AGF has been advised of the possibility of such damages.

Data Source Acknowledgement and Disclaimer

SEDOL: SEDOL codes come from the London Stock Exchange SEDOL Masterfile TM. All Rights Reserved to the London Stock Exchange. 



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® The “AGF”, “AGF Invested in Disciple” “AGFiQ”, “AGFiQ Quant Investing” logos are registered trademarks of AGF Management Limited and used under licence.

® “AGF Elements”, “Elements”, “AGF Gold Label” “AGF Sound Choices”, “Sound Choices” and “What are you doing after work?” are registered trademarks of AGF Limited and used under licence.


Unclaimed Property

The British Columbia Unclaimed Property Act, the Alberta Unclaimed Personal Property & Vested Property Act, and the Quebec Public Curator Act set out specific responsibilities for the administration of unclaimed property if the last known address of the owner of the property was in British Columbia, Alberta or Quebec. The legislation is designed to ensure that all reasonable effort is made to return unclaimed property to its owner.

AGF has the following procedures in place with respect to re-uniting owners with unclaimed property.

AGF sells its mutual funds through a distribution network of financial advisors who in turn sell to the public. Therefore when AGF is trying to reach a client the distribution network will be utilized.

If an item of mail is returned AGF will suspend all future mailings, until notified of the new address.

On an annual basis, AGF runs a report of all accounts with an invalid or incomplete address and contacts the financial advisor requesting the updated address.

If you believe you have unclaimed property at AGF please call 1-800-520-0620.


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