HSBC Securities (Canada) Inc. is a wholly owned subsidiary of, but separate entity from, HSBC Bank Canada. Member CIPF.This seminar is not intended for general media release and is for educational purposes only. Expressions of opinion are those of the Investment Advisor only and are subject to change without notice. Please consult your lawyer or appropriate professional regarding your specific estate-planning situation. HSBC Securities (Canada) Inc. makes no guarantee, representation, or warranty and accepts no responsibility or liability as to the tax treatment regarding these investments. Insurance services are offered through HSBC Insurance Agency (Canada) Inc. Insurance advisors are licensed through HSBC Insurance Agency (Canada) Inc. HSBC Insurance Agency (Canada) Inc. is joint owned by James Capel Canada Holdings Inc. and HSBC Bank Canada.