Dual Occupation Disclosure

As a Carte Wealth Management Inc. (“Carte”) Representative I am dually occupied as a registered mutual funds salesperson, a licensed Life Insurance Advisor, a Student, a Tax Specialist and a Volunteer. 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 for the sale of mutual fund products and will provide you with the name of the entity that I represent while conducting business as a Life Insurance Advisor, a Student, a Tax Specialist and a Volunteer. The sale of life insurance products & services, my activities as a Student, my business as a Tax Specialist and the activities relating to my volunteer positions, are not the business of, or under the supervision of Carte, and Carte will not be liable or responsible for such activities.

I, Lynda Kaufmanis, am a registered mutual fund salesperson represented by Carte Wealth Management Inc.

I am also an independent licensed Life Insurance Advisor contracted with Carte Financial Services Inc., an insurance Managing General Agency, an entity through which I place my life insurance business. Any activity relating to my position as a Life Insurance Advisor is not the business of, or under the supervision of, Carte, and Carte will not be liable or responsible for such activities.

I am also a Student with the Canadian Securities Institute. Any activity relating to my position as a Student is not the business of, or under the supervision of, Carte, and Carte will not be liable or responsible for such activities.

I am also a self-employed Tax Specialist, providing individual and corporate tax returns for clients. Any activity relating to my position as a self-employed Tax Specialist is not the business of, or under the supervision of, Carte, and Carte will not be liable or responsible for such activities.

I am also a Volunteer with the Salvation Army, a not-for-profit organization, as a ring bell for the Christmas kettle, and with Junior Achievement, where I occasionally teach classes to children. Any activity relating to my volunteer work is not the business of, or under the supervision of, Carte, and Carte will not be liable or responsible for such activities.