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Content and Purpose

This Website has been created to present certain selected information to investors and to provide access to certain material documents concerning Fairstone Bank of Canada’s (“FBOC”) Legislative Covered Bond Programme (the “Legislative Programme”). The Legislative Programme is registered under the National Housing Act (Canada).

FBOC may incorporate any information on the Website into any prospectus or prospectus supplement with respect to any specific offering of covered bonds by referring in such prospectus or prospectus supplement to this Website.

No CMHC approval

THESE COVERED BONDS HAVE NOT BEEN APPROVED OR DISAPPROVED BY THE CANADA MORTGAGE AND HOUSING CORPORATION (“CMHC”), NOR HAS CMHC PASSED UPON THE ACCURACY OR ADEQUACY OF THIS DISCLOSURE DOCUMENT. THESE COVERED BONDS ARE NOT INSURED OR GUARANTEED BY CMHC OR THE GOVERNMENT OF CANADA OR ANY OTHER AGENCY THEREOF.

Use of Information

The information and data contained herein is intended solely for the personal use benefit and internal informational use only. The materials posted on the Website may not be reproduced, disseminated or distributed in whole or part at any time, in any manner or for any purpose, without obtaining the prior written consent of FBOC in each specific instance.

Trademarks

Trademarks, logos, titles, phrases, icons, graphics, designs and service marks ("Trademarks") displayed at this Website are registered or unregistered trademarks of FBOC and of other parties. Nothing at this Website shall be construed as granting, by implication, estoppel or otherwise, any license or right to use any of FBOC’s Trademarks. FBOC reserves all rights with respect to copyright and trademark ownership of all material on the Website, and will enforce such rights to the full extent of the law. Any unauthorized use of any of the Trademarks or any materials protected by copyright will be a violation of FBOC’s statutory or common law rights and may result in legal action being taken against those who are using the Trademarks or copyrighted materials without authorization.

No Offer or Solicitation

Neither this Website nor anything contained herein shall constitute financial, legal, tax or other advice or an invitation or recommendation to invest or otherwise deal in, or an offer to sell or the solicitation of an offer to buy or subscribe for, any security. There shall be no sale of any securities in any jurisdiction in which such an offer, solicitation or sale would be unlawful prior to qualification under the securities laws of such state or jurisdiction. Any products or services mentioned herein shall only be available subject to local legal and regulatory requirements. Professional advice should be sought prior to any decision to invest in covered bonds.

Investment Considerations

Information contained herein is posted and archived solely in response to certain disclosure regulations that apply to prospectuses and prospectus supplements prepared from time to time in connection with specific offerings of securities under the Legislative Programme.

The securities offered under the Legislative Programme are available only to persons having professional experience in matters relating to investments. Prospective investors should consult their own financial and legal advisors about risks associated with investment in a particular issue of securities and the suitability of investing in such securities in light of their particular circumstances.

Legal Considerations

The distribution material on this Website may be restricted by local law in jurisdictions other than the United States and failure to comply with such restrictions may constitute a violation of the laws of any such other jurisdiction. Persons accessing this Website should inform themselves about, and observe any such restrictions. In particular, no information contained in this Website is for distribution directly or indirectly in the United States, Australia or Japan.

Nothing in the Website constitutes an offer of securities for sale in the United States. The Securities may not be offered or sold in the United States absent registration or an exemption from registration under the U.S. Securities Act of 1933, as amended (the "U.S. Securities Act"). It is not intended that the securities referenced in this Website will be registered under the U.S. Securities Act or any U.S. state securities laws.

By accessing the Website you confirm that you are not accessing this Website from inside the United States, are not a U.S. person (within the meaning of Regulation S under the U.S. Securities Act of 1933, as amended (the "U.S. Securities Act")), are not acting for the account or benefit of a U.S. person and are not located in the United States, its territories and possessions, or the District of Columbia, and (i) if you are a person in the United Kingdom, then you are a person who (a) is a “qualified investor” as defined in paragraph 15 of Schedule 1 to the Public Offers and Admissions to Trading Regulations 2024; and (b) has professional experience in matters relating to investments, falling within Article 19 of the Financial Services and Markets Act 2000 (Financial Promotion) Order 2005 and/or (c) is a high net worth entity falling within Article 49(2)(a) to (e) of the Financial Services and Markets Act 2000 (Financial Promotion) Order 2005; and/or (d) is any other person to whom the distribution material on this Website may otherwise be lawfully communicated; and (ii) if you are a person in the European Economic Area, then you are a person who is a “qualified investor” as defined in Regulation (EU) 2017/1129, as amended.

If any materials on the website are sourced from third parties, including (without limitation) reports and other materials, they have been obtained from sources believed to be reliable, however FBOC does not warrant their completeness or accuracy. FBOC does not have any obligations in respect of such materials (including as to verifying or correcting any information included therein or publishing materials related thereto). Posting such third party materials on this Website does not imply any endorsement, adoption of or responsibility by FBOC for the information contained therein, or any representation regarding the content of any such materials.

No Liability

The materials posted on this Website have no regard to the specific investment objectives, financial situation or particular needs of any recipient. The information is historical in nature and is only current as of the date of the materials. Historic performance information with regard to any security is no indication of its future performance and should not be relied on when making any investment decisions.

Neither FBOC nor any other party are under obligation to maintain or update any materials available on the Website or to notify any party in respect thereto. FBOC may remove or make changes to the materials available on the Website at any time. FBOC does not and will not accept any liability arising out of or in connection with the use of the information set forth in this Website.

Language

by using this Website, you acknowledge that you have expressly consented that this Website and any related materials be drawn up in English. En utilisant ce site web, vous reconnaissez avoir expressément consenti que ce site web et tous les matériaux s’y rattachant soient rédigés en anglais.

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