Legal

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, and a Director/Owner, 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, and a Director/Owner. The business activities relating to my position as a licensed Life Insurance Advisor, and a Director/Owner, 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, Swati Bassi, am a registered mutual fund salesperson represented by Carte Wealth Management Inc.

I am also a licensed Life Insurance Advisor under contract with Carte Risk Management Inc. and FiduSure Financial Inc., insurance Managing General Agencies, where I Provide Life Insurance and Segregated Funds. Any activity relating to my occupation as 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 Director/Owner of KBB Consulting Inc., a Life Insurance and Segregated Funds business. Any activity relating to my occupation as Director/Owner, 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, Swati Bassi, 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.

Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus and/or fund facts before investing. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated. Subject to any applicable death and maturity guarantee, any part of the premium or other amount that is allocated to a segregated fund is invested at the risk of the contract holder and may increase or decrease in value according to fluctuations in the market value of the assets in the segregated fund. A nominee account is one in which an investment is held in trust for an individual by a corporation or entity other than the individual. A segregated fund policy held within a self-directed plan is one example of investing in a nominee account. A segregated fund held in a nominee account may not offer creditor protection. Please read your Information Folder carefully and seek professional advice before investing. Commissions, trailing commissions, management fees and expenses may be associated your insurance contract. *Insurance products and services provided through Carte Risk Management Inc.**Mutual funds provided through Carte Wealth Management Inc.