Disclosure

Disclosure

Dual Occupation Disclosure – Patrick Driedger

As a Carte Wealth Management Inc. Representative I am dually occupied for the sale of mutual funds, the sale of life insurance and as the Director/Owner of a company 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 related business and business on behalf of my company. Life insurance products & services and the business of my company 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, Patrick Driedger, am a registered mutual fund salesperson represented by Carte Wealth Management Inc.

I am also a Life Insurance Advisor under contract with Carte Risk Management Inc., 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 the Director/Owner of Castle Wealth Services, a company through which I place my life insurance business, a company whose name I use as a trade name when conducting mutual fund related business and a company to which my life insurance and mutual fund commissions are paid. Any activity relating to my occupation as a 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, Patrick Driedger, 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.