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We are obligated to inform you that the product descriptions and information that follow are intended for educational purposes only and are not to be considered as an offer or solicitation to purchase any security.

Commissions, tailing commission, management fees, and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated. To obtain a prospectus, or further information, please contact (519) 736-4811 Ext 2. Offers to purchase mutual funds must be made through a registered mutual funds representative. Representatives in the Amherstburg office are registered to sell mutual funds in Ontario as agents of Monarch Wealth Corporation, a registered mutual fund dealer. These advisors are also licensed to sell a variety of insurance products through a separate insurance entity: Custom Plan Financial Advisors Inc. Guaranteed Interest Certificates (GICs) are offered through Monarch Wealth Deposit Group Inc.

All non-mutual fund related business conducted by your Strategic Investment Planning Representative is not in the capacity of an employee or agent of Monarch Wealth Corporation and is not the responsibility of Monarch Wealth Corporation. Non-mutual fund related business includes, without limitation, advising in or selling any type of insurance product, advising in or selling any type of mortgage service, estate and tax planning or tax return preparation.

The information contained herein is for personal use only. Redistribution of this information is prohibited without written permission.

Risk of Borrowing To Invest

Here are some risks and factors that you should consider before borrowing to invest:

• You are comfortable with taking risk.
• You are comfortable taking on debt to buy investments that may go up or down in value.
• You are investing for the long-term.
• You have a stable income.

You should not borrow to invest if:

• You have a low tolerance for risk.
• You are investing for a short period of time.
• You intend to rely on income from the investments to pay living expenses.
• You intend to rely on income from the investments to repay the loan. If this income stops or decreases you may not be able to pay back the loan.

You Can End Up Losing Money

• If the investments go down in value and you have borrowed money, your losses will be larger than had you invested using your own money.
• Whether your investments make money or not you will still have to pay back the loan plus interest. You may have to sell other assets or use money you had set aside for other purposes to pay back the loan.
• If you used your home as a security for the loan, you may lose your home.
• If the investments go up in value, you may still not make enough money to cover the costs of borrowing.

Tax Considerations

• You should not borrow to invest just to receive a tax deduction.
• Interest costs are not always tax deductible. You may want to consult a tax professional to determine whether your interest costs will be deductible before borrowing to invest.

Your advisor should discuss with you the risks of borrowing to invest.

Revisions & Changes

Our web pages are under constant revision and subject to change without notice. Due to the dynamic nature of the mutual fund industry, we can make no guarantee as to the accuracy of the information presented. Mutual fund values fluctuate daily.

General Information Purposes Only

This web site is intended for Canadian residents only. This website is general information only and is not intended to provide specific personalized advice including, without limitation, investment, financial, legal, accounting or tax advice. Please consult an appropiate provessional regarding your particual circumstances. Redistribution of this information is prohibited without written consent.