Dual Occupation Disclosure

As a Carte Wealth Management Inc. Representative I am dually occupied as a registered mutual funds salesperson and a licensed Life Insurance Advisor and represent separate entities 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 entity that I represent while conducting business as a Life Insurance Advisor. The sale of life insurance products & services 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, Stephen Chow, am a registered mutual fund salesperson represented by Carte Wealth Management Inc.

I am also an independent licensed Life Insurance Advisor contracted with Carte Risk Management Inc. and Financial Horizons Group, insurance Managing General Agencies, entities 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 Wealth Management Inc., and Carte Wealth Management Inc. will not be liable or responsible for such activities.

I, Stephen Chow, 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 clients understand the difference for the purposes of mutual fund related transactions.

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