Thomas S. Caldwell graduated from McGill University in 1965, and has been actively involved in the investment industry since that time. Mr. Caldwell is Chairman of Caldwell Securities Ltd., an organization founded in 1980. Caldwell Securities Ltd. is a diversified investment company with affiliate organizations providing investment management, brokerage and insurance services to a broad spectrum of investors throughout North America and around the world. The commentaries contained on this webpage are provided as a general source of information based on information available as of the dates of publication indicated. These recordings are for general information purposes only and are not investment advice nor do they constitute an offer, recommendation or solicitation to buy or sell to a particular financial instrument. They do not have regard to the specific investment objectives, financial situation, risk profile or the particular needs of any specific person who may receive these commentaries. Investors are expected to speak with their Investment Advisor at Caldwell Securities Ltd. for any questions and before making any investment decisions.