Retirement's Hidden Risk

Please read the prospectus before investing. Important information about each Guardian Capital mutualfund and exchange traded fund (“ETF”) is contained in its respective prospectus. Commissions, trailingcommissions, management fees and expenses all may be associated with investments in mutual fundsand ETFs. You will usually pay brokerage fees to your dealer if you purchase or sell units of an ETF on theToronto Stock Exchange ("TSX"). If the units are purchased or sold on the TSX, investors may pay morethan the current net asset value when buying units of the ETF and may receive less than the current netasset value when selling them. Except as noted otherwise, the indicated rates of return are the historicalannual compounded total returns including changes in unit value and reinvestment of all distributionsand do not take into account sales, redemptions, distribution or optional charges or income taxespayable by any security holder that would have reduced returns. Performance is calculated net of fees.Mutual funds and ETFs are not guaranteed, their values change frequently and past performance maynot be repeated.

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Guardian Capital LP is the Manager of the Guardian Capital mutual funds and ETFs, and is a wholly-owned subsidiary of Guardian Capital Group Limited, a publicly traded firm, the shares of which arelisted on the Toronto Stock Exchange.

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