This publication contained the opinions of the writer and may not reflect opinions of Manulife Securities Incorporated or Manulife Securities Insurance Inc. The information contained herein was obtained from sources believe the be reliable, but no representation, or warranty, express or implied, is made by the writer or Manulife Securities Incorporated or Manulife Securities Insurance Inc. or any other person as to its accuracy, completeness or correctness. This publication is not an offer ot sell or a solicitation of an offer to buy any of the securities. The securities discussed in this publication may not be delivered to you. This publication is not meant to provide legal or account advice. As each situation is different you should consult your own professional Advisors for advice based on your specific circumstances.