Dual Occupation Disclosure

As a Carte Wealth Management Inc. Representative I am dually occupied for the sale of mutual funds and the sale of life insurance 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. Life insurance products & services 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, Kenneth Wright, am a registered mutual fund salesperson represented by Carte Wealth Management Inc.

I am also a Life Insurance Advisor under contract with IDC Worldsource Insurance Network Inc., Carte Financial Services Inc., Carte Risk Management Inc. and Financial Horizons Group. 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, Kenneth Wright, 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.