As a Carte Wealth Management Inc. Representative, I am engaged in various business activities including being a registered Mutual Funds Salesperson, a licensed Life Insurance Advisor, a Volunteer, and a Member of a company and represent separate companies for each purpose. As such, you may be dealing with more than one company depending on the products purchased, or services rendered. Remuneration also varies with the products purchased, or services rendered. I will be representing Carte Wealth Management Inc. for the sale of mutual fund products and will provide you with the name of the entities that I represent while conducting business as a licensed Life Insurance Advisor, as a Volunteer and as a Member of a company. The business activities relating to my position as a licensed Life Insurance Advisor, my position as a Volunteer and my position as a Member is not the business of, or under the supervision of Carte Wealth Management Inc., and Carte Wealth Management Inc. will not be liable or responsible for such activities.

I, Francine Dick, am a registered mutual fund salesperson represented by Carte Wealth Management Inc.

I am also a Volunteer with Mosaic Outdoor Clubs of Ontario and Mosaic Outdoor Clubs of America, outdoor non-profit groups that organize hiking, biking, canoeing, kayaking and other outdoor activities, with First Narayever Congregation, a synagogue, with Alumnae Theatre, a woman’s community theatre production company, with JSpaceCanada, an all-volunteer progressive Jewish voice, a non-partisan organization and with Castleview Wychwood Towers, a long-term care facility. Any activities relating to my volunteer positions are not the business of, or under the supervision of, Carte Wealth Management Inc., and Carte Wealth Management Inc. will not be liable or responsible for such activities.

I am also a licensed Life Insurance Advisor contracted with Carte Financial Services Inc., Carte Risk Management Inc. and Meritrust Financial Group, insurance managing general agencies. Any activities relating to my occupation as a licensed Life Insurance Advisor is not the business of, or under the supervision of, Carte Wealth Management Inc., and Carte Wealth Management Inc. will not be liable or responsible for such activities.

I am also a Member of the Centre for Social Innovation, a co-working space geared to progressive entrepreneurs and with Company of Women, a company offering career, business and mentoring resources for purpose- driven, mindful women to thrive in business and life. Any activity relating to my memberships is not the business of, or under the supervision of, Carte Wealth Management Inc., and Carte Wealth Management Inc. will not be liable or responsible for such activities.

I, Francine Dick, wish this distinction to be clear, and if you are not sure of the difference, let us discuss it, or I can suggest sources from which you can obtain the necessary explanation. Our self-regulatory organization, The Mutual Fund Dealers Association of Canada (“MFDA”), has rules which state that the distinction between these business activities must be clear and that you understand the difference for the purposes of this transaction.