Dual Occupation Disclosure

As a Carte Wealth Management Inc. Representative I am dually occupied for the sale of mutual funds, the sale of life insurance, the sale of mortgages and as a landlord and may 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 life insurance, mortgage and landlord related business. Life insurance products & services, mortgage products & services and my work as a landlord 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, Daniel Calligan, am a registered mutual fund salesperson represented by Carte Wealth Management Inc.

I am also a Life Insurance Advisor under contract with PPI Solutions, Carte Financial Services Inc. and Qualified Financial Services, insurance MGAs. 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 Mortgage Broker under contract with C.M.B. Canada Mortgage Brokers Inc., a mortgage brokerage. Any activity relating to my occupation as a Mortgage Broker 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 self-employed Landlord, whereby I rent out property in exchange for rental income. Any activity relating to my occupation as a self-employed Landlord 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, Daniel Calligan, 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.