WEALTH MANAGEMENT & FINANCIAL LIFE STRATEGY

Wealth Management & Financial Life Strategywww.etfcm.com • 1 (888) 383-9753 2

Welcome.Thank you so much for your interest and consideration in our firm. Below you will find a brief overview of our services, and an introduction to our relationship management team.

Our Wealth Management Teamwww.etfcm.com • 1 (888) 383-9753 3

Larry BermanCo-Founder, Chief Investment Officer, Portfolio Manager

Catherine DornaChief Compliance Officer,

Portfolio Manager

Josh BrownAccount Manager,Portfolio Manager

Monique MadanHead, Financial Life Strategies

Christine BatesSenior Account Administrator

Lejla LalicAccount

Administrator

Brett RabinowitzDirector, Sales

& Client Experience

Laura CirlincioneSenior Manager

Advisor Support Services

Jared RabinowitzCo-Founder,

President/CEO

Client Services

In the Background

Financial Life Strategy

Wealth Management

Lauren RichlerAccount

Administrator

Brandon BermanHead Trader

Keady ElliottAccount

Administrator

Wealth Management & Financial Life Strategywww.etfcm.com • 1 (888) 383-9753 4

Custom Wealth Management

ETF Capital Management actively manages a range of proprietary, ETF-based investment strategies, spanning the spectrum from conservative income and total return to global growth-focused investment models. These strategies are combined into a custom portfolio solution designed to meet your personal financial goals and risk tolerance.

Each strategy is actively managed to position your portfolio in undervalued assets when opportunities arise, and conservatively reposition when assets appear expensive. In this way, all clients benefit from our active global investment style, within a custom portfolio that is built for their needs.

Our customization process spans a series of conversations with you as we learn more about your needs and design your personal Investment Policy Statement (outlining risk tolerance, income needs, time horizon, and objectives). This information gathering process allows our investment team (headed by Larry Berman, CIO) to study your investment profile and identify the appropriate allocation to our investment strategies to produce the desired performance outcome.

Turning Defense into Offense: A Tactical Approach

Our investment team monitors market cycles and trends to identify opportunities to actively reduce or add exposure when appropriate. We position to protect gains and avoid losses when assets are expensive and then reposition for growth when better valuations are available.

Our conservative approach to wealth management is geared more toward achieving your goals within your comfort zone than attaining the highest possible return at any cost. Our specialty is preserving the purchasing power of your money against the forces of inflation, taxation, and currency devaluation, while still enabling you to sleep at night.

The benefits of our active wealth management approach are clear: a smoother ride and downside protection creates better returns over time than a buy and hold approach.

Wealth Management & Financial Life Strategywww.etfcm.com • 1 (888) 383-9753 5

Financial Life Strategy

“Your Money and Your Life”

There is often a delicate balance between our immediate and long-term needs due to competing priorities. This can sometimes lead to frustration, anxiety, and uncertainty.

Financial life strategy is an on-going service based on optimizing your lifestyle, as well as your financial affairs, including tax-efficiency, estate planning and philanthropy. High-net-worth individuals often ask us, “What is the most I can spend and give and still achieve my goals?” Together, we help you create a maximum sustainable cash flow so you can focus on the things that mean most to you.

Our expertise also includes tax-efficient wealth harvesting, trusts and inter-generational transfers, estate planning and planning for persons with disabilities. Whatever decisions you face, we are here to support you with the information and professional resources you may need.

During our life strategy discussions, we seek to better understand your goals and, together, we enable you in achieving them.

Your Goalsand Concerns

Cash FlowAnalysis

TaxPlanning

WealthManagement

Risk Management &Insurance Planning

DebtManagement

EstatePlanning

Wealth Management & Financial Life Strategywww.etfcm.com • 1 (888) 383-9753 6

A Collaborative Approach

Regular Dialogue: Our Wealth Management and Financial Life Strategy team will contact you at your desired frequency throughout the year. These conversations will ensure that your life strategy goals are met and determine if there have been any material changes requiring action or adjustments on our part. Through regular dialogue we will continually refine and optimize your custom wealth management and life strategy program.

Monthly Commentary: To keep you up to date on our current thinking and strategy, we write a monthly commentary for clients the first week of every month. Here we discuss the global macro-economic themes that may impact your portfolio and the strategies in place to grow and protect your wealth.

Transparent Portfolio Reporting

We believe in full transparency, and accountability, and offer a variety of means for you to access yourportfolio information:

Daily: View your account(s) online via NBIN’s MyPortfolio system, providing access to account holdings, transactions, and market values.

Monthly: NBIN will send you a custody statement, providing an independent record of custody, verifying account cash balances, a complete list of holdings, and itemized list of all transactions and fees paid.

Quarterly: Detailed portfolio reporting which includes an asset mix review, a rate of return report, statement of unrealized gains/losses and manager commentary.

Calendar or Corporate Year-End: A complete tax package including a T3 and/or T5 and Investment Income Summary, and any RRSP contribution receipts. On an annual basis we will review this Investment Policy Statement to ensure that it continues to meet your circumstances.

Wealth Management & Financial Life Strategywww.etfcm.com • 1 (888) 383-9753 7

Ensuring Your Assets are Safe

Protecting the assets you have entrusted to us is our most important core value at ETF CapitalManagement. (ETFCM). When you hire ETF Capital Management your assets are held in an account in your name with National Bank Independent Network (NBIN), one of Canada’s oldest and largest providers of custody solutions to independent Portfolio Managers. While in custody at NBIN, client assets are held in separately managed accounts, and are not comingled with those of other clients, or NBIN’s own assets. As a member of the Canadian Investor Protection Fund (www.CIPF.ca), NBIN accounts carry protection of up to $1M per account.

Firms registered as Portfolio Managers must meet strict financial reporting, capital, and insurance requirements to protect your investments. As a registrant of The Ontario Securities Commission, and your Provincial Securities Regulator, ETF Capital Management is required to provide regular reporting to the Commission, and is subject to periodic audits to ensure compliance with regulation and best practices. As a member of The Portfolio Management Association of Canada (PMAC), ETF Capital Management is also required to carry Errors and Omissions Liability insurance. ETF Capital Management (ETFCM) is a registered trade name of Quintessence Wealth, a Portfolio Manager, Investment Fund Manager and Exempt Market Dealer registered with the Canadian Securities Administrators.