COPYRIGHT
© Copyright 2000-2008 Munich Reinsurance Company of Canada in Toronto, Ontario, Canada ("Munich Re"). All rights reserved.

Texts, pictures and graphics and their appearance in the Munich Re website are protected under copyright law and other protective legislation. These materials or any portions thereof may be used solely for personal and non-commercial purposes. Any contents and components of the Munich Re website stored, reproduced or distributed, provided that permission has been granted to do so, must contain a reference to Munich Re's copyright. Pictures as well as articles from newspapers and magazines appearing in the Munich Re website may also in certain instances be subject to the intellectual property rights of third parties.

TRADEMARKS
"Munich Re" and the Munich Re logo are internationally protected registered trademarks. All other company names, logos and product names appearing in the Munich Re website may be the registered trademarks of their respective owners.

DISCLAIMER AND RESERVATION OF RIGHT OF MODIFICATION
Munich Re has used its discretion, best judgement and every reasonable effort in compiling the information and components contained in this website. It may not be held liable, however, for the completeness, correctness, topicality and technical accuracy of any information contained herein. Likewise, Munich Re may not be held liable for any loss or damage ascribable to computer viruses when users call up or download data from this website. Munich Re reserves the right, without the need to give prior notice, to modify or supplement information and components in this website.

LINKS TO THIRD-PARTY SITES
Clicking on certain hyperlinks on the Munich Re website allows you to leave the Munich Re site. The linked site is not under the control or influence of Munich Re and the latter is not responsible for the contents and design of or for any changes made to the linked site. Munich Re therefore shall be liable neither for offsite material contained in linked sites nor for any links contained in a linked site. If text-related, technical or any other types of links to third-party sites are included in the Munich Re website, Munich Re may be held liable for the contents of third-party websites only if it knows the contents and is technically and reasonably in a position to prevent its use.

DATA PROTECTION
When you access this website, possible identification data (IP address) and other information (date, time, page viewed) are saved on our server for a period of two months for data security purposes. The data will not be used for any other purpose, with the exception of statistics, or passed on to third parties and then only in such a way that ensures anonymity. We do not use cookies. Munich Re will treat any personal details sent when you access our home page in strictest confidence in accordance with the ruling provisions governing data protection. If you send us an e-mail or complete and submit the online forms on our website, your personal data (i.e. name or e-mail address) will be used only for our correspondence with you in order to send you the requested documents or information or for any other purpose explicitly stipulated on the individual form and shall not be passed on to third parties. Unauthorized persons may gain access to or modify any data you transferring via the Internet.

Laws of Ontario
The laws of the Province of Ontario and the applicable laws of Canada shall govern your use of this web site. You hereby consent and submit to the non-exclusive jurisdiction of the courts of the Province of Ontario in any action or proceeding related to your use of this site.

© 2008

Munich Reinsurance Company of Canada
Munich Re Centre
390 Bay Street - 22nd floor
Toronto, Ontario
Canada M5H 2Y2
Tel: (416) 366-9206
Fax: (416) 366-4330