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DISCLOSURE

           Issued by Raymond James Investment Services Limited (Raymond James). The value of investments, and the
           income from them, can go down as well as up, and you may not recover the amount of your original investment.
           Past performance is not a reliable indicator of future results. Where an investment involves exposure to a foreign
           currency, changes in rates of exchange may cause the value of the investment, and the income from it, to go up
           or down. The taxation associated with a security depends on the individual’s personal circumstances and may be
           subject to change.

           The information contained in this document is for general consideration only and any opinion or forecast reflects
           the judgment of the Research Department of Raymond James & Associates, Inc. as at the date of issue and is subject
           to change without notice. You should not take, or refrain from taking, action based on its content and no part of this
           document should be relied upon or construed as any form of advice or personal recommendation. The research and
           analysis in this document have been procured, and may have been acted upon, by Raymond James and connected
           companies for their own purposes, and the results are being made available to you on this understanding. Neither
           Raymond James nor any connected company accepts responsibility for any direct or indirect or consequential loss
           suffered by you or any other person as a result of your acting, or deciding not to act, in reliance upon such research
           and analysis.
           If you are unsure or need clarity upon any of the information covered in this document please contact your wealth
           manager.

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