Links Disclaimer
When you access one of the links provided you will be leaving the website of Sergio Fedullo or Harvest Capital Development Group is not responsible for the information contained on any of these links.

Website Disclaimer
Commissions, trailing commissions, management fees and expenses all may be associated with investment. Please read the simplified prospectus before investing. Investment are not guaranteed and are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer. There can be no assurances that the fund will be able to maintain its net asset value per security at a constant amount or that the full amount of your investment in the fund will be returned to you. Fund values change frequently, and past performance may not be repeated.

An investor proposing to borrow for the purchase of investments should be aware that a purchase with borrowed monies involves greater risk than a purchase using cash resources only. The extent of that risk is a determination to be made by each purchaser and will vary depending on the circumstances of the purchaser and the investments purchased.

Discuss the risks associated with leveraged investment fund purchases with an advisor before investing. Purchases are subject to suitability requirements. Using borrowed money to finance the purchase of investments involves greater risk than a purchase using cash resources only. If you borrow money to purchase investments, your responsibility to repay the loan and pay interest as required by its terms remains the same if the value of the investments purchased declines.

Investors should educate themselves regarding securities, taxation or exchange control legislation, which may affect them personally. This web site is for general information only and is not intended to provide specific personalized advice including, without limitation, investment, financial, legal, accounting or tax advice. Please consult an appropriate professional regarding your particular circumstance.

This Internet Website does not constitute an offer or solicitation in any jurisdiction in which such offer or solicitation is not authorized or to any person to whom it is unlawful to make such offer or solicitation.

Sergio Fedullo is the principal of Harvest Capital Development Group and acts in the capacity of independent financial advisor.

Sergio Fedullo is licensed for the sale of life insurance, Accident and Sickness Insurance and Segregated Investment funds and is registered through the appropriate organizations for each purpose and as such, you may be dealing with more than one entity depending on the products purchased. Sergio Fedullo will provide the name of the entity being represented when insurance business is conducted.

References in this Internet Website to third party goods or services should not be regarded as an endorsement of these goods or services. By accessing any of the links provided you will be leaving Sergio Fedullo or Harvest Capital Development Group web site. Harvest Capital Development Group is not responsible for the information contained on these websites.

The information contained on this Internet Website is for general information purposes only and is the opinion of the owners and writers. This information is not intended to provide specific personalized advice including, without limitation, investment, financial, legal, accounting or tax advice.

This web site is intended for Canadian residents only and the information contained herein is subject to change without notice. The owner and publisher of this Internet Website are not liable for any inaccuracies in the information provided.

Investor Privacy Notice
As a firm that collects, uses and discloses personal information Harvest Capital Development Group is subject to the federal Personal Information Protection and Electronic Document Act, effective January 1st, 2004. In complying with these laws, it is important that Harvest Capital Development Group provide you with information so that you may fully understand the purposes for which your personal information is collected.

Over the course of your relationship with Harvest Capital Development Group, personal information will be collected in order to administer your account(s). This information typically includes but is not limited to your financial information and investment objectives, in addition to your current investments, banking information and your social insurance number.

At times Harvest Capital Development Group may be required to provide this information to Insurance Companies in which you invest, self-regulatory organizations, securities regulators, law enforcement agencies and to companies that perform services on our behalf. These organizations, Harvest Capital Development Group are bound and must comply with the same federal/provincial privacy act(s). Harvest Capital Development Group does not disclose your information to any other organization(s) to use for their own purposes and in particular will never sell or trade your personal information.

The purposes for which we collect, use and disclose your personal information are central to our being able to provide you with our services. Should you have objections to the collection and disclosure of your personal information, as listed in the foregoing, Harvest Capital Development Group will no longer be able to provide you with these services. Therefore, by maintaining your account through Harvest Capital Development Group we will consider that you have consented to our collecting, using and disclosing your personal information.

If you wish to review or make changes to your personal information you may do so by making a written request to Harvest Capital Development Group, 35 Wright Crescent, Niagara on the Lake, Ontario L0S1J0.

Should you have any questions or concerns regarding the use of your personal information we encourage you to contact Harvest Capital Development Group , at the same address listed above or via email at s.fedullo@hotmail.com

Insurance Disclaimer
I, Sergio Fedullo, the financial advisor affiliated with Fedullo Financial Advisory Group am a life licensed agent in the province of Ontario. With this license I can offer the following insurance products: Life insurance, Disability Insurance, Critical Illness Insurance, Long Term Care Insurance, Travel Insurance, Health and Dental Insurance, and investments such as segregated funds. Insurance products are offered through Financial Horizons which is a managing general agency (MGAs). As an independent agent.

My relationship with each Insurance Company contracted through Financial Horizons is such that no insurance company holds an interest in my business, nor do I hold any interest in any Insurance Company.

I take the potential of a conflict of interest seriously. I will notify you if there is a conflict of interest which I become aware in regard to my recommendations to you. My overall recommendations to you will take into consideration and will be based on my analysis of your financial security needs.

If you choose to purchase a product through me, I will be paid a sales commission by the company that provides the product you purchase. I may receive a service or renewal commission if you keep that product in force. I may also be eligible for additional incentives, depending on various factors such as the volume or persistency of business I place with a particular company during a given period.

Should you require additional information about my qualifications or the nature of my business relationships, I would be pleased to assist you.

Insurance Quote Disclaimer
By requesting a quote understand that this is not an insurance policy. Also, it is not an offer of insurance. Additional information may be required for a complete quote to be provided. This quote request contains some information about coverage offered but it does not list all the conditions and exclusions that apply to the described coverage. The exact wording of the insurance policy governs all situations. This quote request is only available to persons resident in the Province of Ontario. The products described are subject to change without notice at any time from Harvest Capital Development Group.