"*"Trademark of the Bank of Nova Scotia, under license (where applicable). Scotiabank Mutual Funds is the brand name under which the Scotiabank group of companies, Scotiabank Trinidad and Tobago Limited markets and distributes mutual funds. Scotiabank Trinidad and Tobago Limited is a corporate entity separate from, although wholly owned by, The Bank of Nova Scotia and distributes the Funds noted within this publication. Important information concerning the investment goals, risk, charges and expenses of Scotiabank Mutual Funds and the Asset Management Service is contained in the Funds’ prospectus. Copies are available from any branch of Scotiabank Trinidad and Tobago Limited and should be read carefully before investing. Mutual funds are not guaranteed, values change frequently and investment ret urns for the funds will fluctuate. Past performance is not indicative of future returns. Scotiabank Mutual Funds are not insured or guaranteed by, The Bank of Nova Scotia. Additional fees may be applicable to the Asset Management Service, as such portfolios are subject to periodic portfolio rebalancing. Details on these features are also set out in the prospectus."