The following terms of use apply to your access and use of this web site. By accessing this site, you signify your agreement to the terms of use set forth below. These terms of use are in addition to the terms of the customer agreements governing your account. TradeFreedom (Order-Execution Only Accounts) is a service of Scotia Direct Investing, a division of Scotia Captial Inc. Scotia Capital Inc. is a member of the Investment Industry Regulatory Organization of Canada and the Canadian Investment Protection Fund. Scotia Direct Investing reserves the right to change these terms and conditions at their sole discretion.

WARNING: Active electronic stock trading is risky and not for everyone. Because of the use of margin, losses may exceed the amount invested. Participants should be aware of, and capable of assuming the inherent risks.

NOTICE: The trading platforms provided through TradeFreedom are very powerful Direct Access Trading systems that should only be used by those qualified to do so.

The TradeFreedom service is offered in all provinces and territories of Canada.

This site is presented for informational purposes only, and does not constitute an offer or solicitation to anyone in any jurisdiction in which such an offer or solicitation is not authorized or to any person to whom it is unlawful to make such a solicitation. TradeFreedom accepts customer orders only on an unsolicited basis, and does not make any recommendations whatsoever regarding any securities or securities derivative products of any kind, nor any type of investment advice or strategies is made or given herein.

Systems:
Account access, and system response may be adversely affected by market conditions, system performance, and other factors. Interruptions, errors or other deficiencies in service may occur, through factors which are outside the control of TradeFreedom, including interruptions in the accessibility of the Internet, a system outage in facilities of a third party service provider (including stock exchanges, Data providers, and back office service providers), and market conditions that may result in general market volatility, volatility affecting a particular security or class of securities, or heavy demand and high volumes of trading activity. Your use of the services provided by TradeFreedom are subject to the following terms and conditions:

Limit on Liability:
The user of the systems agrees that TradeFreedom will not be liable for any loss or damage resulting from use of the systems, including but not limited to loss or damage resulting from failure of electronic or mechanical equipment or communications lines, the Internet, telephone or other inter-connect problems, power failure, or third party system failure.

No Liability for Data or Information:
Information provided by TradeFreedom and information provided by other sources on this web site is not subject to any guarantee as to its accuracy or completeness or as to its currency. All the Data is protected by copyright and each supplier of the Data reserves all proprietary and intellectual property rights therein. You shall not reproduce, retransmit, disseminate, sell, rent, distribute, publish, broadcast, circulate or commercially exploit the Data provided through this web site in any manner or furnish it to any other person without the prior written consent by TradeFreedom and the relevant supplier. You agree that the terms of this Agreement may be enforced directly against you by each supplier of Data.

TradeFreedom is a registered trademark of The Bank of Nova Scotia and is used under license. © Copyright Scotia Capital Inc. All Rights Reserved.

Except as specifically permitted herein, no portion of the information on this web site may be reproduced in any form or by any means without the prior written permission from TradeFreedom.

The software and accompanying documentation that are made available to download from this web site are the copyrighted work of TradeFreedom. Use of the software is governed by the terms of the applicable license agreement.

Except as otherwise indicated elsewhere on this site, you may view, copy, print, and distribute documents, images or other media (collectively described hereafter as "media") available on this web site subject to the following conditions:

• The media may be used solely in the manner and for the purposes expressed or implied through information on the web site or as otherwise agreed with TradeFreedom;
• Any copy of the media or portion thereof must include the copyright notice above; and
• TradeFreedom reserves the right to revoke such authorisation at any time, and any such use shall be discontinued immediately upon written notice from TradeFreedom Financial.

Third Party Materials, Web Site Links and Endorsement of Other Sites:
TradeFreedom make no representations whatsoever about any other web site which you may access through this site, including without limitation any site whose services may be described or offered on the TradeFreedom site. A link to a third party web site does not mean that TradeFreedom endorses or accepts any responsibility for the content, or use, of such web site.

Damages:
It is your responsibility to take precautions to scan for items such as viruses, worms, Trojan Horses and other items of a destructive nature. In addition, you are responsible to ensure to have a complete and current backup of the information on your computer system before accessing and using this web site.

Testimonials:
Any testimonials found on this site may not be representative of the experience of other clients and are not indicative of future performance or success. In addition, if the testimonial concerns any technical aspect of trading or investing, this person making the testimonial must have the required knowledge and experience to form an opinion.

Complaint Handling Procedures:

The following outlines our client complaint handling policy and procedure to ensure that we provide you with a fair and timely resolution to your escalated concerns.

A complaint is your expression of dissatisfaction either verbally or in writing and should be submitted directly by you or by someone who is authorized to act on your behalf.

Service Related Matters

If the complaint is deemed to be service related¹ it will be handled directly by one of our designated Customer Service Specialists.

For TradeFreedom, you may forward your complaint directly to:

Director
Customer Service
1002 rue Sherbrooke Ouest, 10th Floor
Montreal, QC
H3A 3L6

For Scotia McLeod Direct Investing, you may forward your complaint directly to:

Director
Customer Service
5th Floor
Scotia Plaza
40 King Street West
Toronto, Ontario M5H 1H1

You will receive an acknowledgement letter by mail within 5 business days of receiving your complaint and the name of the individual who is conducting the review.

Securities Related Matters

If the client complaint is deemed to be securities related², it should be forwarded to:

Designated Complaints Officer
Scotia Online Compliance Department
Scotia Plaza, 33rd Floor
40 King Street West
Box 4085, Station “A”
Toronto, Ontario M5H 1H1
Telephone: 416-945-4342
Fax: 416-862-3132

Within 5 business days of us receiving your complaint, you will be provided with an acknowledgement letter by mail from the Compliance Department confirming the name and contact information of the individual handling your file. Additionally we will also enclose the IIROC brochure entitled “An Investor’s Guide to Making a Complaint” for your reference.

In conducting the investigation, the Compliance Department may contact you or your authorized agent to request additional information which may be required to resolve the complaint.

Within 90 calendar days, you will be provided with our substantive response to your complaint or correspondence from us acknowledging that we may require additional time or information in order to complete our review.

Our substantive response letter will provide an outline to your complaint and our decision on the complaint and the reason for this decision. You will also be provided with additional information regarding your options to escalate your concerns further in the event that you are not satisfied with the outcome of this review. This includes the contact information for Scotiabank’s Ombudsman, the Ombudsman for Banking Services (“OBSI”) and Investments and the Investment Industry Regulatory Organization of Canada (“IIROC”)

We also wish to inform you that if you are dissatisfied with our examination of your complaint or the outcome of this examination, you may request that your complaint file be transferred to the Autorite des marches financiers (“AMF”). To do so, you must wait for our final decision or the expiry of the time limit of 90 days, but this request must be submitted no later than one year after the date you have obtained our final response. Following the transfer of your complaint to the AMF, the latter will proceed with their investigation.