Dual Occupation Disclosure

As a Carte Wealth Management Inc. Representative I am dually occupied as a registered mutual funds salesperson, a licensed Life Insurance Advisor and a Director/Owner of various companies and representative separate companies 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 and as a Director/Owner. The sale of life insurance products & services, and my role as a Director/Owner of various companies, 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, Kelvin Rampersad, am a registered mutual fund salesperson represented by Carte Wealth Management Inc.

I am also an independent licensed Life Insurance Advisor contracted Qualified Financial Services, Carte Financial Services Inc. and Carte Risk Management Inc., insurance Managing General Agencies and 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 am also the Director/Owner of K&V Rampersad Financial Services Ltd., an entity through which I place my life insurance business, and entity to which my life insurance and mutual fund commissions are paid and an entity whose name I use as a trade name when conducting mutual fund related business. Any activity relating to my position as a Director/Owner of this company 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 1660558 Ontario Inc., a real estate holding company. . Any activity relating to my position as a Director/Owner of this company 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, Kelvin Rampersad, 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.

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