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<p><span style="font-size:8.0pt">BMO Nesbitt Burns Inc. (&ldquo;BMO NBI&rdquo;) provides this commentary to clients for informational purposes only. The information contained herein is based on sources that we believe to be reliable, but is not guaranteed by us, may be incomplete or may change without notice. BMO Wealth Management is the brand name for a business group consisting of Bank of Montreal and certain of its affiliates, including BMO Nesbitt Burns Inc., in providing wealth management products and services. &reg; &ldquo;BMO (M-bar roundel symbol)&rdquo; is a registered trade-mark of Bank of Montreal, used under licence. &reg; &ldquo;BMO Nesbitt Burns&rdquo; is a registered trade-mark of BMO Nesbitt Burns Inc. BMO Nesbitt Burns Inc. is a wholly-owned subsidiary of Bank of Montreal.</span></p> <p><b><span style="font-size:8.0pt">BMO Nesbitt Burns Inc. is a Member &ndash; Canadian Investor Protection Fund. Member of the Investment Industry Regulatory Organization of Canada.</span></b></p> <p><span style="font-size:8.0pt">* This specific security is covered under the research of BMO Capital Markets.&nbsp;</span></p> <p>&nbsp;</p> <p><span style="background:white"><span style="line-height:15.6pt"><span style="font-size:8.0pt"><span style="color:#0079c1">IA Newsletter &amp; Securities Disclaimer</span></span></span></span></p> <p><span style="background:white"><span style="font-size:8.0pt"><span style="color:#001928">The opinions, estimates and projections contained herein are those of the author as of the date hereof and are subject to change without notice and may not reflect those of BMO Nesbitt Burns Inc. (&quot;BMO NBI&quot;). Every effort has been made to ensure that the contents have been compiled or derived from sources believed to be reliable and contain information and opinions that are accurate and complete. Information may be available to BMO NBI or its affiliates that is not reflected herein. However, neither the author nor BMO NBI makes any representation or warranty, express or implied, in respect thereof, takes any responsibility for any errors or omissions which may be contained herein or accepts any liability whatsoever for any loss arising from any use of or reliance on this report or its contents. This report is not to be construed as an offer to sell or a solicitation for or an offer to buy any securities. BMO NBI, its affiliates and/or their respective officers, directors or employees may from time to time acquire, hold or sell securities mentioned herein as principal or agent. BMO NBI -will buy from or sell to customers securities of issuers mentioned herein on a principal basis. BMO NBI, its affiliates, officers, directors or employees may have a long or short position in the securities discussed herein, related securities or in options, futures or other derivative instruments based thereon. BMO NBI or its affiliates may act as financial advisor and/or underwriter for the issuers mentioned herein and may receive remuneration for same. A significant lending relationship may exist between Bank of Montreal, or its affiliates, and certain of the issuers mentioned herein. BMO NBI is a wholly owned subsidiary of Bank of Montreal. Any U.S. person wishing to effect transactions in any security discussed herein should do so through BMO Nesbitt Burns Corp. Member-Canadian Investor Protection Fund.</span></span></span></p> <p>&nbsp;</p>