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Legal Disclaimer

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Restrictions on Access to this Section

Canada Mortgage and Housing Corporation (“CMHC”) makes no representations that the information, documents and materials outlined in this section (collectively, the "Contents") are appropriate, or may be made available, for use in any location other than in Canada. CMHC has not approved the Contents of this section for distribution outside Canada or authorized access to the web site from any jurisdiction other than from Canada if such access would be contrary to the applicable laws or regulations of that jurisdiction. Users from any jurisdiction outside Canada assume full responsibility for complying with the applicable laws and regulations in that jurisdiction.

No Offer or Solicitation Regarding Securities

Contents are provided for general information purposes only and do not constitute an offer to sell or a solicitation of an offer to buy any Security in any jurisdiction. CMHC does not intend to solicit and IS not soliciting, any action with respect to any Security or any other contractual relationship with CMHC.

The Contents of this section have not been approved or disapproved by any securities commission or regulatory authority in Canada or any other jurisdiction, and CMHC expressly disclaims any duty on CMHC to make disclosure or any filings with any securities commission or regulatory authority, beyond that imposed by applicable laws. The Contents of this section are neither sufficient for, nor intended by CMHC to be used in connection with, any decision relating to the purchase or sale of any existing or future Securities. CMHC does not intend to provide financial, investment, tax, legal, or accounting advice. Investors considering the purchase or sale of any Securities should consult with their own independent professional advisors.

No Warranties, Exclusion of Liability

CMHC may make changes to or update this section or its Contents at any time without notice. All links to other websites not maintained by CMHC (collectively, "Third Party Sites") do not form part of this section and are provided for information purposes only. Any links to Third Party Sites do not mean that CMHC accepts any responsibility for the contents or the use of such Third Party Sites. CMHC does not guarantee or warrant that the Contents of this section, or any links to or contents of any Third Party Sites are accurate, complete, adequate, up-to-date or free of errors, viruses, or other items of any kind that are of a destructive nature, or that access to this section or any Third Party Site will be uninterrupted or free from delay. Users of this section should understand that all Contents have been electronically converted from the media in which originals were produced and do not constitute official government documents. CMHC makes no warranty in relation to the accuracy or completeness of the conversion process.

In no event shall CMHC or its directors, officers, employees, servants, agents or affiliates be liable for any claim whatsoever including reasonable lawyers fees arising from the use of this section and the Contents contained therein due to, but not limited to, failure to keep the contents up to date or for errors or omissions contained herein or in any link or third party site or for any damages (including, without limitation, damages for loss of profits, business interruption, loss of information, or direct, indirect, incidental, special consequential or punitive damages) whatsoever arising out of or relating to the use of or inability to use this section (including all contents), any link of any third party site, whether under contract, in tort or under any other basis of liability.

"Safe Harbor" for Forward-Looking Statements

It is not intended that the Contents of this section contain forward-looking statements. If statements contained anywhere in the Contents, including statements regarding events and financial trends that may affect future operating results, financial position and cash flows, may be found to constitute forward-looking statements within the meaning of the United States federal or other securities laws, all such statements are based on assumptions and estimates by CMHC and are subject to risks and uncertainties. You can identify these forward-looking statements by the use of words like "strategy," "expects," "plans," "believes," "will," "estimates," "intends," "projects," "goals,” "targets" and other words of similar meaning. You can also identify them by the fact that they do not relate strictly to historical or current facts.

Reservation of Rights

The Contents of this section (including, without limitation, the graphics, icons, and overall appearance of this section) are the property of CMHC (except where stated). CMHC does not waive any of its proprietary rights therein including, but not limited to, copyrights, trademarks and other intellectual property rights. No user of this section may sell, republish, print, download, copy, reproduce, modify, upload, post, transmit or distribute in any way any portion of this section or its Contents without the prior written consent of CMHC, except for reasonable printing, downloading and copying for the private information of the user. The availability of any of the Contents of this section shall under no circumstance constitute a transfer of any copyrights, trademarks or other intellectual property rights of CMHC to any user of this section or any third party. This section and the Contents are protected by Canadian and International copyright laws, both as individual works and as a compilation.

Governing Law

This section is controlled and operated by CMHC from its offices within the Province of Ontario, Canada. By accessing or using the website, you agree that all matters relating to your access to, or use of, the website or the Contents shall be governed by the laws of Canada. In no event shall any access to this section obtained from any location be construed as an express or implied submission to, or waiver or any immunity from, the jurisdiction of the courts or regulatory authorities of that location by CMHC.





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