| RRSP & RESP Loans are
provided by M.R.S. Trust Company ("MRS Trust"), a federally regulated
trust company and an affiliate of Mackenzie Financial Corporation and MRS.
The term "MRS" refers to any of M.R.S. Inc., M.R.S. Securities Services Inc. (member CIPF) and M.R.S.
Correspondent Corporation.
Leverage Disclosure
Using borrowed money to finance the purchase of
securities involves greater risk than a purchase using cash resources
only. If your client borrows money to purchase securities, your client’s
responsibility to repay the loan and pay interest as required by the
loan agreement remains the same, even if the value of the securities
purchased declines. Please ensure that your client reads the Leverage
Disclosure Statement within the loan agreement and that you discuss with
your client the actual risks and potential benefits of borrowing money
to purchase securities. | 
