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DISCLAIMER

The information on this page has been prepared independently of TD Waterhouse, and TD Waterhouse makes no warranty as to the accuracy or completeness of its content. Opinions expressed therein are those of the author, not TD Waterhouse's, and TD Waterhouse accepts no liability for any loss caused by use of the information.

Important Investment Warning

This report is prepared for general information only, and as such, the specific needs, investment objectives or financial situation of any particular user have not been taken into consideration.

Please take note that there are significant risks involved when investing directly on the stock-market and it is imperative that an investor has full comprehension of their own risk profile. Individuals should therefore discuss, with their financial planner or advisor, the merits of any investment decision for their own specific circumstances, and realise that not all investments will be appropriate for all individuals.

The price of shares and investments and the income derived from them can go down as well as up, and investors may not get back the amount they invested.

Past returns are not a reliable guide to future returns, and investors should be aware that returns can be negative.