GENERAL

All products and services of First Pacific Finanical Investment Group Inc. and its subsidiaries and affiliates are subject to the terms and conditions of the applicable agreements governing their use. The Terms are to be read by you together with any terms, conditions or disclaimers provided in the pages of the Site. In the event of any conflict, the terms provided in the pages of the Site will govern. The information, material and content provided in the pages of the Site (the "Information") may be changed at any time without notice. Changes may be made to the Terms at any time without notice by updating this posting. You agree to review the Terms regularly and your continued access or use of the Site will mean that you agree to any changes.

Certain names, words, titles, phrases, logos, icons, graphics or designs or other content in the pages of the Site are trade names or trade-marks owned by Royal Bank of Canada or its subsidiaries, or trade names or trade-marks licensed to them.

Without limiting the generality of the foregoing, trade-marks owned by First Pacific Finanical Investment Group Inc. FPFIG.COM, and other trade-marks composed of "FPFIG".

These trade-marks are used by First Pacific Finanical Investment Group Inc and/or subsidiaries under license. Some trade-marks are distinguished from one another and accompanied, at first-time use, with the appropriate trade-mark symbol: *. These symbols are keyed to their respective legend which describes the owner or licensee of the trade-mark: ?Registered trade-mark of First Pacific Finanical Investment Group Inc./* Trade-mark of First Pacific Finanical Investment Group Inc./* First Pacific Finanical Investment Group Inc, licensee of trade-mark.

The display of trade-marks and trade names on pages at the Site does not imply that a licensee of any kind has been granted to anyone else. The Information is for your personal use only. Any unauthorized downloading, re-transmission, or other copying or modification of trade-marks and/or the contents of the Site may be a violation of any federal or other law that may apply to trade-marks and/or copyrights and could subject the copier to legal action. The Information is protected under the copyright laws of United States and other countries. Unless otherwise specified, no one has permission to copy, redistribute, reproduce, republish, store in any medium, re-transmit, modify or make public or commercial use of, in any form, the Information.