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The Agreement

Through accessing this web site and pages thereof you agree to be bound by the terms and conditions set forth below. Should you, after reading this Legal Notice, disagree with the applicable terms please do not access the site in the future. Your use of the site and its pages constitutes implied agreement to these terms. All products and services provided by Loewen, Ondaatje, McCutcheon Limited are subject to the respective agreements and their applicable terms governing their use. This site is for reference purposes only and is not intended to provide any form of advice. You must contact one of our experts directly before acting on any of the information viewed on this web site.

The Company

References on this site to LOM are to Loewen, Ondaatje, McCutcheon Limited and include all its locations, depending on the particular context, who provide research, sales and trading, and corporate finance services. The content of the pages of this web site is property of LOM and it is intended for the accessor's own use only. Credit should be given to LOM with all references to materials published on this site originally.

Sources

The information contained herein is gathered from various public sources presumed to be reliable. Accuracy and completeness of information is not guaranteed. LOM does not assume expressed or implied responsibility for any errors and/or omissions and direct/indirect loss or damage resulting therefrom. Changes in information will be made with no prior notice and at no pre-arranged intervals. Please consult LOM directly for complete and up-to-date information.

Governing law

The information contained herein is available to persons around the globe. Nothing on this web site shall constitute an offer or solicitation to anyone in any jurisdiction where such an offer or solicitation is not authorized or to any person to whom it is unlawful to make such a solicitation.

Any legal disputes regarding the site shall be settled through the governance of applicable Canadian laws.

Virus protection

LOM is not responsible for any viruses or other destructive elements that may enter your computer system through using the World Wide Web. It is your sole responsibility to ensure that you have adequate and regularly upgraded virus protection, including a complete backup of all the information stored on your machine.

Site links

We have included a number of alliance, business and lifestyle site links for convenience only. The inclusion of the links does not constitute an endorsement. Visiting such web sites is at your own risk. LOM is not liable for the availability or content of the external links and any concerns regarding said links should be directed to the respective site administration directly.

Cookies

Cookies are small text files which may be stored on the hard drive of a visitor to a web site. They enable you to have personal settings on the web site. These files can be used to trace visitor behaviour, in particular which pages have been visited. Most browsers accept cookies automatically, but a few are configured such that they do not accept them or, at least, that they announce when a cookie will be sent.

LOM does NOT use cookies in connection with this web site. However, please note that cookies may be used by web sites linked to us.

E-mail

E-mail communications over the internet, no matter how protected or encrypted, may not be secure and may not be confidential. LOM is not responsible for any email communication sent by you to LOM or sent by LOM to you from being intercepted, read or distributed to unknown persons. Any confidential information sent by you to LOM is at your own risk.

Copyright

All material found on, or downloaded from, this web site, unless indicated otherwise, is Copyright © 2009 Loewen, Ondaatje, McCutcheon Limited. All rights reserved.

Privacy Policy

LOM is concerned with maintaining the privacy and security of your personal information. This policy supplements the research access and newsletter subscription forms governing your account with LOM and the terms of the "Legal Notice" governing your use of LOM's web site. The use of LOM's web site signifies your consent to the terms herein, and to LOM's collection, use and disclosure of your personal information. LOM collects your personally identifying information directly from you. Such information may include your name, address, telephone number and e-mail address and other information required for providing you with any products or services that you may request and/or updating you on additional services or products that may be of interest to you.

When you provide us online personal information, such as your name, e-mail address or telephone number, LOM will not provide this information to any external organization unless we have previously informed you in disclosures or agreements about the release of information or unless the release of information has been authorized by you or we are required to release information by our regulators or by operation of law.

Updating of this Privacy Policy

Due to constant technical and legal innovations, we must amend or update the existing declaration from time to time. If this concerns you, please be sure to check for when the latest version of the Privacy Policy was posted on the web site, each time you visit, before you use our web site. The most recent post was on May 31, 2007.

Jurisdiction

Loewen, Ondaatje, McCutcheon Limited and Loewen, Ondaatje, McCutcheon USA Limited will not open accounts except in jurisdictions in which it is registered.