As a Carte Wealth Management Inc. Representative I am dual occupied for the sale of mutual funds, for the sale of life insurance, as a Volunteer and as a Member. 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 entity that I represent while conducting life insurance business and activities relating to my volunteer work and my memberships. Activities relating to life insurance, volunteer work and 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, am a registered mutual fund salesperson represented by Carte Wealth Management Inc.

I am also a Volunteer with Mosiac Outdoor Clubs of Ontario and Mosiac 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, and with JSpace, a progressive Zionist voice and an all-volunteer, non-partisan, progressive Jewish organization. Any activity relating to my volunteer work 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 Life Insurance Advisor working with Carte Financial Services Inc., Carte Risk Management Inc. and Financial Horizons Group, insurance managing general agencies. Any activity relating to my occupation as a 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 Women in Biz Network, 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 Dual Occupations must be clear and that you understand the difference for the purposes of mutual fund transactions.