Access to and use of the web-based account inquiry service ("AccountAccess") for Mackenzie and for MRS constitutes your acceptance of and compliance with the Conditions of Use set out herein. Please take the time to review these conditions. If you do not accept them, please discontinue use of AccountAccess. Mackenzie and MRS may change the Conditions of Use at any time without notice by updating this posting. You agree to review the Conditions of Use regularly and your continued access or use of AccountAccess will mean that you agree to any changes.

"Mackenzie" or "Mackenzie Group of Companies" includes Mackenzie Financial Corporation, Mackenzie Financial Services Inc. and the MRS Group of Companies. "MRS" or "MRS Group of Companies" means M.R.S. Trust Company, Multiple Retirement Services Inc., M.R.S. Securities Services Inc., M.R.S. Correspondent Corporation and any affiliate or successor company of each of them. Mackenzie and MRS are affiliated with Investors Group Inc. and Quadrus.

AccountAccess is presented on an "as is" basis only; internet software or transmission problems may produce inaccurate or incomplete copies of information and materials that may be accessed and displayed on your computer.

Mackenzie and MRS do not warrant that AccountAccess will be free from error or interruption. Mackenzie and MRS are not responsible for any damage of any nature, whether direct, indirect, special, incidental or consequential, in reliance on the information available on AccountAccess, including, without limitation, any loss of use, loss of profit, loss of data, business interruption or any other loss or damage, whatever the form of action, and whether or not Mackenzie or MRS has been negligent.

This service is not intended to provide legal, accounting or tax advice and should not be relied upon in that regard.

Mackenzie and MRS are not responsible for unauthorized use or reproduction of any information contained in AccountAccess.

Links in AccountAccess to other sites or references to products, services or publications other than those of Mackenzie or MRS or their affiliates should not be construed as an endorsement or approval of such sites, products, services or publications by Mackenzie or MRS or their affiliates.

You are solely responsible for maintaining the security of your User ID and password and ensuring that you are the only person using the User ID and password. You agree not to disclose your User ID and password to any other person including any employees of Mackenzie and MRS. Mackenzie and MRS are not responsible for the unauthorized use of AccountAccess by any other person with your User ID or password and Mackenzie and MRS are under no obligation to confirm the actual identity or authority of anyone using your User ID or password.

You agree to notify Mackenzie and MRS immediately upon becoming aware of any known or suspected unauthorized use of your User ID or password to gain access to AccountAccess, or any breach in security involving your User ID or password.

AccountAccess is a secure service and communications within AccountAccess are encrypted. For more information, please see "How Do Mackenzie and MRS Ensure Security of My Personal Information". AccountAccess is not a secure medium for e-mail communications because the email is not encrypted. Any confidential, proprietary or sensitive information which you transmit by means of AccountAccess through e-mail may be read and forwarded or copied by unauthorized persons.

Mackenzie and MRS are committed to protecting the privacy of all client personal information that we collect and maintain in the course of carrying on our business whether over the internet or in more traditional ways. We have a Privacy Protection Notice to inform you of the ways we collect, hold, use and disclose personal information. For more information regarding Mackenzie's or MRS' Privacy Protection Notice, please see "Privacy Policy". When you register to use AccountAccess, you provide us with additional personal information and your access to and use of AccountAccess constitutes your consent to such information being collected, held, used and disclosed by Mackenzie or MRS in the ways and for the purpose identified here. When you register to use AccountAccess, you provide us with your

1. User ID and password;
2. e-mail address;
3. personal information which you choose to provide, for example, your mother's maiden name ("Personal Registration Information").

ackenzie and MRS collect this information, hold it in your client record, use it and, where necessary, disclose it for the following purposes:

1. to verify your identity as an AccountAccess user;
2. to record statistical information on your visit to AccountAccess on an anonymous basis and use this information to improve AccountAccess; and
3. to restore your access to AccountAccess in the event that you have forgotten your User ID or password.

Mackenzie and MRS may collect your information for the purposes identified in this notice from third parties such as your financial advisor/dealer, other companies in the Mackenzie or MRS Group of Companies and third parties who represent that they have the right to disclose the information. Mackenzie and MRS may disclose your information for the purposes identified in this notice to your financial advisor/dealer, other companies in the Mackenzie Group of Companies but will not sell the information to anyone outside the Mackenzie Group of Companies nor will we use your e-mail address to send you additional product information. The privacy protection notice applies specifically to AccountAccess. Questions regarding this statement should be directed to service@mackenziefinancial.com or service@mrs.com.

A cookie is a small file containing certain pieces of information that AccountAccess creates when you use it. There are two common types of cookies, "session cookies" and "persistent cookies". A "session cookie" stores information only for the length of time that you are connected to AccountAccess and is not written onto your hard drive. A "persistent cookie" is written onto your hard drive and remains there until its expiry date. AccountAccess uses session cookies to identify your current session to the web server, and ensure that at all times during your session we are dealing with you. AccountAccess uses persistent cookies to store information that you are aware of, for example, if you choose the option on our log-in screen to remember your User ID, your computer will remember it automatically and input your User ID each time you access the Site.