MORNEAU SHEPELL LTD. MAINTAINS THIS PORTAL PURSUANT TO THE PLANS OFFERED TO YOU.

THIS PORTAL MAY NOT BE USED OR ACCESSED OTHER THAN IN ACCORDANCE WITH THESE TERMS OF USE SO THEY SHOULD BE READ CAREFULLY. IF YOU DO NOT AGREE WITH THE FOLLOWING TERMS OF USE, THEN YOU MAY NOT ACCESS OR USE THIS PORTAL. YOUR USE OF THIS PORTAL CONSTITUTES YOUR ACCEPTANCE OF THESE TERMS OF USE IN THEIR ENTIRETY.

Morneau Shepell Asset & Risk Management Ltd. (“MS ARM”) is a wholly-owned subsidiary of Morneau Shepell Ltd. Morneau Shepell, as used herein, shall mean Morneau Shepell Ltd. and its parent, affiliates and subsidiaries, including MS ARM. Significant effort is made and taken by Morneau Shepell respecting the service, security, confidentiality and correctness of the information provided in this portal. However, information provided to you through this portal may have been independently obtained or provided by various information providers, including your Law Firm ("Information Providers"). Morneau Shepell and The Canadian Bar Insurance Association (CBIA) cannot and do not provide any representation, warranty or guarantee whatsoever with respect to any information contained in this portal, including, but not limited to, the completeness, accuracy or reliability of any such information. Further, Morneau Shepell and The Canadian Bar Insurance Association (CBIA) expressly disclaim all warranties of any kind, express, implied, statutory or otherwise with respect to this portal.

From time to time, you may provide Morneau Shepell with personal information. This information will be used and disclosed by Morneau Shepell for the purposes of providing our services to you, for our internal audit and defense purposes, and will be shared with The Canadian Bar Insurance Association (CBIA) for purposes of marketing their products and services to you. By participating in the plan(s) to which this portal relates, you consent to such use of your personal information by Morneau Shepell and The Canadian Bar Insurance Association (CBIA). For more information about Morneau Shepell privacy policies, see the Morneau Shepell Ltd. Privacy Policy For information about The Canadian Bar Insurance Association (CBIA) privacy policies, see The Canadian Bar Insurance Association (CBIA) Privacy Policy.

In no event shall Morneau Shepell or The Canadian Bar Insurance Association (CBIA), or their respective directors, officers, agents, advisors or employees (collectively referred to in this section as, "Morneau Shepell/CBIA") be responsible or liable for any damages whatsoever and without limitation this includes special, indirect or consequential damages or for any damages resulting from, but not limited to, personal injury, wrongful death, the loss of use, data savings, income or profits whether in an action on contract, negligence or other tortuous action, arising out of or in connection with the use or performance of information available from this portal. The information provided in this portal is on an "as is" basis, without warranty of any kind, whether express, implied or collateral, or whether arising by course of dealing or custom or usage of trade, including without limitation, all warranties and conditions of fitness for a particular purpose or, merchantability, including that the portal and information contained therein is up to date, accurate, virus free or error free or that errors can or will be corrected. Any responsibility or liability for damages caused to computer systems, software or electronic files by any intrusive forces, such as viruses and the like are hereby disclaimed.

All investments made in the Plans, as applicable, are subject to market risks. Morneau Shepell and The Canadian Bar Insurance Association (CBIA) do not in any way guarantee the performance of the Plans and we will not be liable for any loss or diminution sustained by the Plans. The value of the fund units may go up or down based on market conditions. Past performance should not be taken as an indication or guarantee of future performance and no representation or warranty, express or implied, is made regarding future performance. You should make your own appraisal of the investment opportunity and consult your own financial, legal and other professional advisors. In no event shall Morneau Shepell and The Canadian Bar Insurance Association (CBIA) be liable for any use by any party of, for any decision made or action taken by any party in reliance upon, or for any inaccuracies or errors in, or omissions from, the information contained herein and such information may not be relied upon by any party in evaluating the merits of participating in the Plans. Morneau Shepell and The Canadian Bar Insurance Association (CBIA) makes no representation as to the legal, tax, credit, or accounting treatment of any transactions mentioned herein, or any other effects such transactions may have on you, your affiliates, the employees, or any other parties to such transactions and their respective affiliates.

You understand and agree that you are personally responsible for your use of this portal and you agree to use this portal for only lawful purposes. You further agree to indemnify, defend and save harmless Morneau Shepell and The Canadian Bar Insurance Association (CBIA) from and against all claims, losses, expense, damages and costs (including, but not limited to, direct, incidental, consequential, exemplary and indirect damages), and reasonable legal fees, resulting from or arising out of your use, misuse, or inability to use this portal or any violation by you of these Terms of Use.

E-mail communications that are not encrypted can be intercepted and accordingly Morneau Shepell and The Canadian Bar Insurance Association (CBIA) cannot be responsible for any losses, damage or breaches of confidentiality that may arise in connection with email communications.

You agree to take all steps necessary to protect the secrecy of your password and prevent the unauthorized access to this portal and your data. Morneau Shepell and The Canadian Bar Insurance Association (CBIA) is not liable in the event you provide any unauthorized access to this portal or your data or do not adequately protect the secrecy of your password. You agree to accept responsibility for all activities that occur under your member identification and password.

Links provided on this portal are provided for convenience only and the contents of other linked sites are not investigated, verified, monitored, endorsed or guaranteed for correctness or the absence of viruses or similar forces of a disruptive nature. Any damages to computer systems, software or electronic files are disclaimed by Morneau Shepell and The Canadian Bar Insurance Association (CBIA). Links with this portal may only be established with the prior written consent of Morneau Shepell.

The portal contents are provided for informational purposes only and are not meant to render any advice. Please do not act or rely on this information without seeking the counsel or advice of a professional. While we attempt to ensure that the information presented on this portal is accurate, complete and current, the final interpretation is solely governed by the terms of the plan texts and relevant legislation. If your data on this portal is incorrect, please correct the data, if possible, or contact Morneau Shepell with the correct information.

Amounts calculated by the Retirement Income Calculator, if provided as a tool on this portal, are estimates only and provided for your information. Morneau Shepell and The Canadian Bar Insurance Association (CBIA) shall have no responsibility whatsoever for any errors or omissions or consequences relating to usage of this information by any person and expressly disclaim all liability. The amounts calculated by the Retirement Income Calculator will be incorrect if, for example:

• You are currently on disability leave or unpaid leave of absence.
• You become disabled or take a leave of absence before retirement.
• Your pensions or other retirement savings are subject to a settlement on marriage breakdown or end of spousal relationship now or in the future.
• You are now or later become employed outside Canada.
• You provide information (such as salary, date of birth, etc.) which is incorrect.

For estimation purposes, the tool assumes you will continue to participate in the plan until you retire. The information displayed may be different from your pension statement as assumptions selected by you or underlying assumptions may be different from those used in your pension statement.

Morneau Shepell and The Canadian Bar Insurance Association (CBIA) take no responsibility in reviewing the content, quality or reliability of any other website. The information and referrals provided through this portal are considered referrals to resources only. Morneau Shepell and The Canadian Bar Insurance Association (CBIA) do not necessarily endorse or recommend the services, providers or products presented within the resources to which we have provided referrals - they are informational only. Reliance on any information contained on the portal is solely at your own risk.

This portal will be changed periodically without any notice and these changes may include changes to these Terms of Use. Therefore, you should review these Terms of Use with each new use of this portal because the continued use of this portal after any changes means that you consent to these changes and agree to be bound by them. The contents of this portal are provided for informational purposes only and are not meant to render any advice. Please do not act or rely on this information without seeking the counsel or advice of a professional.

The contents and format of this portal are protected by copyright and may not be copied or reproduced except in accordance with Canadian copyright laws and the copyright laws of other countries and jurisdictions. No one has the permission to copy, redistribute, reproduce, disclose to any third party or publish in any form the information found on this portal. Morneau Shepell and The Canadian Bar Insurance Association (CBIA) grant to you limited permission to display on your computer, print and download the information found in the pages of this portal for non-commercial, personal purposes only, provided that you do not modify any such content.

You are prohibited from using any of the marks or logos appearing throughout this portal without the prior written permission from the trademark owner, except as permitted by applicable law.

This portal shall be governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to the principles of conflicts of law.