Qtrade Internet Security Guarantee

We value your business and the trust you have placed in Qtrade Investor ("Qtrade"). We take security very seriously and use a variety of measures to protect your personal information and accounts. As part of our ongoing commitment to you, we're proud to offer our Qtrade Internet Security Guarantee:

You will receive 100% reimbursement for any losses in your account from unauthorized online brokerage activity*.

Our Qtrade Internet Security Guarantee is designed to provide you with peace of mind when doing business with us. If you detect any errors or discrepancies or suspect unauthorized activity in your Qtrade account, please contact us promptly at 1.877.787.2330.

To ensure that you are able to contact us in a timely manner, you must frequently check your Qtrade account information and transaction history online and promptly review correspondence, account statements and trade confirmations received from Qtrade. We will investigate any unauthorized activity that you report to us, and we will ask you to cooperate with us in any investigations and to take corrective measures to protect your account from further fraudulent activity.

* We will fully reimburse your Qtrade account if we conclude that there was unauthorized activity resulting in a loss and the activity occurred through no fault of your own (see Customer Responsibilities below). We will also need to ensure that the activity was not initiated by you (the account owner) or by someone whom you allowed to access your account, either purposefully or inadvertently.

Qtrade Responsibility

Qtrade is committed to keeping your confidential information safe. To protect your information and assets, Qtrade employs extensive physical, electronic and procedural security controls, regularly adapting them as technology and threats evolve. Click on the following link to learn more about the Steps Qtrade Takes to Protect Your Confidential Information.

Customer Responsibility

While Qtrade can help ensure the security of your accounts, you play a vital role in preventing and reporting unauthorized account activity. As set out in the Qtrade Investor Client Account Agreement and Terms of Use, you are responsible for maintaining the care, control and confidentiality of your usernames, login passwords and trading passwords. To protect against the loss, theft, misuse or compromise of your confidential Qtrade data, you must take the following Important Internet Safety Precautions to help protect your information when using the Internet:

1. Frequently check your Qtrade accounts.
2. Protect your passwords.
3. Get up-to-date anti-virus and anti-spyware software.
4. Use a firewall.
5. Ensure your browser and operating system are always up-to-date.
6. Protect your Internet connection - especially with a wireless network.
7. Protect yourself from online fraud.

Qtrade customers will be liable for any losses that occur as a result of: (i) the voluntarily disclosure of their usernames or passwords; or (ii) the careless or improper handling, storing or disclosure of such information. In the event of any loss, theft, misuse or compromise of your confidential Qtrade data, you must promptly notify Qtrade at 1.877.787.2330.

Please see below for other important details and conditions.

Footnotes:

This guarantee does not cover situations in which you: (i) fail to follow your customer responsibilities as noted above; or (ii) authorize account activity, including: (1) the activities of any person to whom you have given, or with whom you have shared, your customer username and passwords, and (2) the activities of any person, including an investment advisor or professional (its employees and agents), to whom you have granted authority of any type over your account (such as power of attorney, trading or money movement authorization or an investment management relationship).

The guarantee does not cover any tax consequences, your legal fees and expenses, or any consequential, lost opportunity or non-monetary damages. The guarantee will not apply in any situation in which you do not report unauthorized activity promptly to Qtrade.

You must work with us in any investigation, and we may ask that you take additional steps including, but not limited to, filing a police report, completing a notarized affidavit regarding the unauthorized transactions, cooperating and answering questions from Qtrade and law enforcement authorities, and, if necessary, allowing access to the computer or other access device that is suspected of being compromised.

Qtrade will determine the type and amount of reimbursement, including whether to replace the securities in your account that were taken, and may seek restitution for reimbursements made under this guarantee from the person(s) or entity that committed the unauthorized activity. We may not provide reimbursement if you are reimbursed, or eligible for reimbursement or other coverage, by others for the unauthorized transactions; for example, by your insurance company.

Qtrade may ask that you assign to us certain rights you may have regarding your loss and to sign a release form as a condition of reimbursement. You may not assign your rights under the guarantee to any other individual or party.