PRESENTED TO:

Private Client

Kevin Janjua, CFP, CIM, FMA, DMS, FCSI Vice President & Portfolio Manager

Michael Dehal, MBA, CPA, CMA, CIMVice President & Portfolio Manager

5300 - 40 King Street WestScotia Plaza, P.O. Box 415Toronto, OntarioT: 416-777-7090E: janjuadehalwmg@raymondjames.ca

TRUST | EXPERIENCE | TRANSPARENCY | ACCOUNTABILITY

Introduction Our Team Our Firm Client Solutions Our Process Investment Process Ongoing Communications Next Steps

OBJECTIVES OF THIS PRESENTATION

The purpose of this presentation is to introduce you to our team, our process and the extensive capabilities that enable us to serve our clients. Our objective is to determine if a relationship with us would be mutually beneficial.

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Significant life events, such as retirement and wealth transfer, are complex and require careful planning.

Professional team of Advisors with extensive credentials and experience in Capital Markets and Investments.

A firm with strength, depth and a history of profitability.

WHY WORK WITH US?

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Source: AllianceBernstein Investments Inc. 2005 Survey of Financial Advisors on Asset Allocation. Asset allocation does not ensure a profit or protect against a loss. Investing involves risk and investors may incur a profit or a loss.

Not paying enough attention to asset allocation33%Having too much

money in one investment

16%

Buying overvalued investments

8%

Other1%

Holding on to investments too long

11%

Trying to time the market31%

THE MOST DETRIMENTAL INVESTOR MISTAKES

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Our MissionTo help our clients achieve their own unique goals by managing their assets, protecting their wealth

and building their financial legacies.

Our ApproachWe serve our clients with a consultative, team-based approach that examines all aspects of their

financial lives. We put our clients’interests above our own or those of our firm.

Our ObjectiveTo accomplish our mission profitably, while giving back

to our community.

OVERVIEW Our Mission

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OVERVIEW Commitment to Our Clients

We make these commitments to our clients:

Protection of Privacy

A Disciplined Investment Process

Objective Recommendations

Regular and Effective Communication

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Kevin Janjua, CFP, CIM, FMA, DMS, FCSIVice President & Portfolio Manager

• 15 years of industry experience, including 4 years with Raymond James

• Kevin has experience working at a number of financial services firms in the investment industry. He has provided discretionary and non-discretionary investment advice to high net worth individuals, families and corporations. Kevin has strong knowledge of a wide array of financial products and has consistently exceeded his client’s performance expectations while working within their risk framework.

• Kevin holds a Bachelor of Economics (BA) degree from McMaster University and is a Certified Financial Planner (CFP), a Certified Investment Manager (CIM), a Financial Management Advisor (FMA), a Derivatives Market Specialist (DMS) and a Fellow of the Canadian Securities Institute (FCSI).

• Kevin was a recipient of 3 MERIT Awards as a top Financial Advisor and consistently ranked within the top quartile at each investment firm.

• Kevin is an avid supporter of Plan Canada, a global movement for change, mobilizing millions of people around the world to support social justice for children in developing countries. In addition, he is a supporter of Because I am a Girl, a global initiative to end gender inequality, promote girls’ rights and lift millions of girls – and everyone around them – out of poverty.

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OUR TEAM Janjua Dehal Wealth Management Group

Our team is committed to professional development and teamwork. We participate in numerous forms of continuing education programs throughout the year to further our ability to serve our clients.

Michael Dehal, MBA, CPA, CMA, CIMVice President & Portfolio Manager

• 15 years of industry experience, including 4 years with Raymond James

• Michael has experience in Capital Markets, Investments and Consulting working at well-known financial services firms. Michael has advised top-tier global companies on mergers and acquisitions, IPOs, buy side/sell side financial due diligence, and originating and structuring complex financial instruments. Michael has prior experience with a bank-owned firm where he was responsible for structuring Mortgage-Backed Securities on the firm's balance sheet, fair valuing the bank's portfolio of financial investments across all asset classes, and auditing the Capital Markets platform globally.

• Michael's strong experience in Institutional (Capital Markets) Trading allows our team to have a deep understanding of financial investments tailored to our Institutional Investors.

• Michael holds a Bachelor of Commerce (B.COM) degree from McMaster University; a Masters of Business Administration (MBA) degree from Queen's University; a Chartered Professional Accountant (CPA) designation; a Certified Management Accountant (CMA) designation and a Chartered Investment Manager (CIM) designation. He is an active member of Financial Executives International (Canada) and is actively involved in the Queen's School of Business Alumni Club.

• Michael is an active member of Operation Rainbow Canada, a non-profit organization providing reconstructive surgery and related health care for cleft lip and cleft palate deformities to needy children and young adults in developing countries.

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OUR TEAM Janjua Dehal Wealth Management Group

Our team is committed to professional development and teamwork. We participate in numerous forms of continuing education programs throughout the year to further our ability to serve our clients.

The Firm Has an Individual Client Focus: Raymond James is a firm with its roots in the business of providing financial guidance and planning to individual investors and families. This remains the firm’s primary business today. Raymond James has been a leader in the industry with client-focused decision-making since the company’s founding in 1962.

Full Resources of a Large, Multinational Financial Services Firm:Raymond James is one of the largest financial services firms in the United States, with the scale and resources to support a wide array of products and services. With more than 10,000 associates worldwide and revenues of $4.5 billion in 2013, the company’s business includes investments brokerage, professional asset management, insurance solutions, trust services, investment banking, and private and commercial banking.

A Culture of Independence and Objectivity: As financial advisors, we are given flexibility and independence to serve our clients without a corporate “push” of proprietary products. We have access to one of the widest platforms of product choices and account types in our industry with access to over 300 mutual funds families, 55 money managers and 34 insurance carriers.

Consistent Leadership and Independence: At the core of Raymond James are timeless beliefs in INDEPENDENCE and CONSERVATISM and a fundamental conviction to doing what is right.

Raymond James’ culture and extensive resources enable us to serve our clients effectively with their best interests as our top priority.

Raymond James has been serving Canadian investors since 2001.

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OUR FIRM Raymond James Ltd.Why Raymond James?

Despite the financial turmoil of the past few years, Raymond James has delivered 104 consecutive quarters of profitability and 28-straight years of paying dividends to shareholders. We credit much of this performance to the firm’s client-first perspective and adherence to its founding core values of professional integrity, advisor independence, and a conservative, long-term approach to investing.

In December 2013, M&A Advisor named the Raymond James Investment Banking practice “Investment Banking Firm of the Year” and Jim

Bunn, co-head of the Technology Services group, as “M&A Dealmaker of the Year.” These awards recognize excellence in deal making, restructuring and financing, and celebrate the

contributions and achievements of leading firms and professionals.

In August 2013, Raymond James analysts received a total of 17 awards in the prestigious Financial Times 2013 StarMine “Analyst Awards

for Excellence.” This ranked the firm second (tie) among all brokers in 2013.

In May 2013, Raymond James was recognized for producing the best risk-adjusted return out of nine other brokerages, banks and

advisory firms since 2009. The ranking, compiled by Bloomberg, includes some of the

largest U.S. banking firms.

2013 Total Revenue – By Business Unit

BY THE NUMBERS

STRENGTH AND STABILITY HONORS AND ACCOLADES

Approximately 10,400 associates

worldwide

Over 6,200 financial advisors

Over 2,500 locations(United States, Canada and abroad)

More than 2.5 million client accounts

Approximately $447 billion in client assets

Earnings Per Share – Trailing 10 Years

Updated 1/23/2014. Investing involves risk, and investors may incur a profit or a loss. Past performance is not an indication of future results. The information provided is for informational purposes only and is not a solicitation to buy or sell Raymond James Financial stock. The Financial Times/ StarMine Analyst awards are based on calendar-year performance of recommendations and estimates on companies that are based in the United States, Europe and Asia. StarMine, a Thomson Reuters company, objectively measures the performance of analysts based on the returns of their buy/sell recommendations and the accuracy of their earnings estimates. Dividends will fluctuate and are not guaranteed. ©2014 Raymond James & Associates, Inc., member New York Stock Exchange/SIPC ©2014 Raymond James Financial Services, Inc., member FINRA/SIPC Investment products are: not deposits, not FDIC/NCUA insured, not insured by any government agency, not bank guaranteed, subject to risk and may lose value.

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OUR FIRM Raymond James Ltd.Raymond James: A Firm With Substantial Size

• Member of the Fortune 1000

• Approximately $447 billion client assets under administration*

• Raymond James has over 6,200 financial advisors in over 2,500 locations throughout the United States, Canada and overseas. The firm also maintains an array of affiliated international offices including Paris, Nice, Cannes, Brussels, Buenos Aires, Düsseldorf, Stuttgart, Luxembourg, Geneva, Lausanne and Montevideo.

*As of 31/12/201411

OUR FIRM Raymond James Ltd.Raymond James: A Firm With Substantial Size

CLIENT SOLUTIONSWe succeed because – and only when – our clients succeed.

Private Clients

Institutional Investors

Cross-Border Management

Putting our clients’ interests first, the Janjua Dehal Wealth Management Group delivers 3 lines of businesses to our clients:

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CLIENT SOLUTIONS Private ClientsOur focus is on securing your financial future

Discretionary Investment Management

Retirement Planning

Tax Planning

Business Succession Planning

Estate Planning

Charitable Giving

Divorce Financial and Asset Planning

Education Savings

Insurance Planning

We provide holistic wealth management advisory services with one aim in mind: your secure financial future. The Janjua Dehal Wealth Management Group specializes in active investment management. We construct and manage custom portfolios with a focus on hand-picked investments, versus mutual funds and off-the-shelf products. The services we provide are the following:

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CLIENT SOLUTIONS Private ClientsOur focus is on securing your financial future

Blue-chip equities

Bonds

Preferred Shares

Options

Mutual Funds & Hedge Funds

ETFs & REITs

GICs

Structured Products

IPOs & Private Placements

Foreign Exchange

Our clients have outgrown mutual funds and other off-the-shelf instruments, and they seek the flexibility and transparency of a personalized financial strategy. Our team works with each of our clients to create investment plans designed to produce results and protect against volatility. What's more, we strive to help our clients realize the benefits of efficient tax planning by coordinating our efforts with those of their accountants and tax advisors. We specialize in a wide array of financial products including:

We customize each portfolio to suit your risk level and exceed your performance expectations.

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CLIENT SOLUTIONS Institutional InvestorsOur focus is on principal protection, liquidity and yield

Investment Management for Cash Deposits

Corporate Tax Planning

Business Succession Planning

Estate Planning

Shareholder Agreement Strategies

Critical Illness & Key Person Life Insurance

Group RRSPs & Pension Plans

The Janjua Dehal Wealth Management Group of Raymond James Ltd., specializes in business investing and managing business risk. We know how important it is to have the best possible services and products to help effectively manage your business finances. Making the right financial decisions is a big responsibility —and we can help. The services we provide are the following:

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CLIENT SOLUTIONS Institutional InvestorsOur focus is on principal protection, liquidity and yield

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We work closely with Institutional Investors to manage cash positions by offering a variety of cash management strategies. Working within your investment mandate and risk framework for your cash and liquidity needs, we tailor cash management products to give you the optimum yield and cash flow. Our cash management services include offering Institutional Investors: Term Deposits, High Interest Savings, Structured Products, Foreign Exchange Management and other Corporate Treasury Services.

Our Institutional Investors can earn interest rates between 1.50% - 2.00% on their cash positions

We invest in only bank issued and other financial institutions that provide insurance protection on your deposits

We offer competitive yields on Term Deposits; High Interest Savings; Government, Corporate and High Yield Bonds; and other Money Market Instruments

Cash management strategies can be structured to have staggered maturities from less than 30 days to 1 year

CLIENT SOLUTIONS Institutional InvestorsOur focus is on principal protection, liquidity and yield

Current Interest Rates

Please keep in mind that rates are subject to price change and product availability. Data has been obtained from sources believed to be reliable, but accuracy cannot be guaranteed. Raymond James Ltd., is a member of Canadian Investor Protection Fund. ©2011 Raymond James Ltd.

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CLIENT SOLUTIONS Cross-Border ManagementOur focus is providing US Investors with Canadian Expertise

The Janjua Dehal Wealth Management Group is registered and regulated in both Canada and the US. We offer holistic wealth management advisory services to US residents or Canadians working in the US.

Raymond James (USA) Ltd. or 'RJLU' is a 100% owned subsidiary of Raymond James Ltd. (RJL). RJLU was established in 1991 for institutional business and we have expanded RJLU to include retail business for US-resident clients.

We are one of the few Financial Advisors to be dual-licensed (Canada & US Securities license) and thus are able to manage client assets on both sides of the border.

Specializing in Canadian financial market access and expertise for US resident investors.

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CLIENT SOLUTIONS Transparent Management FeesOur focus is on transparency

The Janjua Dehal Wealth Management Group believes in an advisor compensation model that is both fair and transparent and puts the client’s interest first. We are compensated by fees based on the money we manage in our full-service offering. We believe this model serves clients more effectively because it removes the conflict of interest inherent in commission-driven investment management. In addition, this ensures that our success is dependent on your success.

As your partner, we have a vested interest in preserving and building your wealth. The Flat Fee options offer clients a different approach to the traditional relationship with their Financial Advisor. The flat fee will give you access to all of our holistic wealth management services at no additional cost.

How it works?

Let’s say your management fee is 1.50%. This would then be:

1.50% / 12 months x market value of your investment portfolio

Fees are billed in arrears and will appear each month on your monthly statements. So you will never have to guess how much you are paying in fees!

Note: Management fees are tax-deductible in non-registered accounts.19

Understand

Design

Implement

Manage

Individual investments and the markets fluctuate over time, and as professionals, it is our job to enable you to make informed financial decisions using the full complement of resources at our disposal.

This process provides a framework for making decisions collaboratively and monitoring the outcome of those decisions over time.

Each step involves interaction between our team, the client and outside professionals if needed.

OUR PROCESS Overview We employ a disciplined process to craft solutions to meet the needs of our clients.

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This process is a dynamic, team-based endeavour.To be most effective, it should include the client, relevant members of his or her family, our team, select Raymond James specialists, and outside professionals where appropriate.

UnderstandWe use a variety of tools including questionnaires and interviews to understand your personal goals, current financial situation, investment experience and risk tolerance. In this step, we make you fully aware of our capabilities and provide educational support to assist our clients in understanding the scope of services we offer to help you meet your objectives.

DesignOur team analyzes the information you share with us and designs solutions intended to help you reach your objectives. This step may involve collaboration with other specialists or your existing professionals. We present our recommendations to you, answer your questions, consider alternatives and outline the steps we need to take to implement your plan.

Implement In this step, we execute your customized strategy using the extensive tools available to us through Raymond James. This involves the selection of specific account types, investment products and optional services; we then complete the necessary paperwork in a coordinated approach.

ManageOnce implemented, we continually monitor the progress of our recommendations relative to your defined objectives and suggest changes where needed. A key to this step is your involvement in the process and communication of any significant changes in your life. We accomplish this by providing ongoing reporting of your account activity and by conducting periodic reviews.

OUR PROCESS Overview

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OUR PROCESS Planning for Retirement

Withdrawals What rate is sustainable? Sequencing by tax bucket RRIF Minimum Payment

RetirementIncome

Retiree Spending Replacement ratio Essential versus lifestyle

expenses Medical expenses

Market Volatility Uncertain returns and

income Impact of point in time Asset allocation and

location

Longevity Long retirement horizons – a

couple aged 65 has a 25% chance of a survivor living to age 96

Solvency Pension plans and retiree

benefits – a thing of the past

Public Pensions

Savings Underfunded defined

contribution accounts Most North Americans

have a savings gap.Inflation Erodes the value of

savings and reduces returns

Healthcare inflation 6%+

Past performance is no guarantee of future results. An investment cannot be made directly in an index. This is for illustrative purposes only and not indicative of any investment. Source: Created by Raymond James using Ibbotson Presentation Materials ©2008 Morningstar, Inc. All rights reserved. Used with permission.

Retirees Face Numerous Risks

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OUR PROCESS Planning for RetirementSome Key Questions We Can Help You Address

Do I have enough assets to retire?

How much income will I need in retirement?

Am I saving enough today?

Is my portfolio set up to address longevity risk?

Which account should I take income from first, my RRSP or taxable accounts?

Am I taking enough risk in my portfolio given the effects of inflation?

Should I leave my retirement plan at my employer or roll it over to a LIRA?

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OUR PROCESS Protecting Your Wealth

While there is no perfect solution to protecting your wealth from all outside forces, acknowledging the following risks and considering planning alternatives are in your best interests.

Poor investment decisions Inflation Overconcentration Taxes Creditors Legal action against you Uncontrolled spending Excessive borrowing

Tax Efficient InvestingTaxes are one consideration in our investment process. For taxable accounts, it is important that we consider your personal tax situation, the tax impact of specific transactions and the after-tax efficiency of investment selections.

Concentrated Equity SolutionsFor many investors, wealth comes in the form of concentrated shares in a single company. We can utilize techniques to help address the significant risk in a concentrated portfolio using hedging, monetization, diversification and charitable strategies.

Insurance StrategiesThrough Raymond James Financial Planning Ltd., we can offer a variety of insurance strategies to help clients manage risk, including:

Life Insurance Long-term Care Insurance Disability Insurance Critical Illness Insurance Health & Dental Insurance Travel Insurance

We do not provide legal or tax advice. Consult your legal or tax professional.

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OUR PROCESS Building Your Legacy

We can provide estate planning analysis and assist clients in the trust planning process.

While many individuals give to charity, few take the time to create a well-designed charitable strategy that considers personal tax benefits and control over your investments. We can assist with strategies such as:

Charitable Remainder Trusts Charitable Lead Trusts Pooled Income Funds Charitable Gift Annuities Donor Advised Funds Private Family Foundations

For many, RESPs are an attractive way to fund a family member’s higher education. In addition to tax-favoured accumulation and withdrawal, you can maintain control over the assets in a RESP plan and change the beneficiary over time.

Trust and EstatePlanning Strategies

CharitableStrategies

EducationFunding

For many, one of the most rewarding aspects of wealth is sharing it with others. Whether your desire is to create a multigenerational wealth preservation and transition plan for your family, provide funding to a charitable entity, or provide for a family member’s higher education, we have access to a variety of tools to help address your legacy and wealth transfer concerns.

Investors should carefully consider the investment objectives, risks, charges and expenses associated with RESP education savings plans before investing. More information about RESPs is available in the issuer’s official statement, and should be read carefully before investing.

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OUR PROCESS Wealth Management SolutionsExclusive Resources for Clients with Significant Assets and Complex Needs

Significant wealth events (sale of a family business, retirement with significant assets, handling a large inheritance, etc.)

Complex legacy planning and charitable giving design

Large concentrations in a single security

Portfolios with sophisticated investment strategies

Large cash portfolios

Tax minimization strategies

Asset protection strategies

Exit strategies for business owners

Use of trusts for estate planning

We have access to a team of specialists dedicated to supporting us in serving clients with complex needs and significant assets. This team of experienced individuals provides insight and coordination into the vast resources of Raymond James. Topics they might assist with include:

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Source: Brinson, Beebower and Associates, “Determinants of Portfolio Performance,” 1986, updated 1991 and 1995. Asset allocation does not ensure a profit or protect against a loss.

Asset Allocation Decisions:

91.5%

Market Timing: 1.8%

Security Selection: 4.6%

Other: 2.1%

INVESTMENT PROCESS Volatility

Factors in Portfolio Volatility

Asset allocation decisions are among the most important factors affecting total portfolio volatility.

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Conservative

Conservative Balanced

BalancedBalanced with Emphasis on

Growth

GrowthAggressive

Growth

Global Equity

Lower-Risk portfolios

Higher-Risk portfolios

Expe

cted

Ret

urn

An efficient frontier represents every possible combination of assets that maximizes return at each level of portfolio risk and minimizes risk at each level of portfolio return.

The above illustration depicts the typical relationship between risk and return. Generally, investors are expected to be compensated in returns for assuming higher levels of risk.

INVESTMENT PROCESS Risk and Reward

Asset allocation does not ensure a profit or protect against a loss. Standard deviation measures the fluctuation of returns around the arithmetic average return of the investment. The higher the standard deviation, the greater the variability (and the risk) of the investment returns.

Risk (Standard Deviation of Return)

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Investment Universe(Professional Asset Managers, Mutual Funds, ETFs, Annuities, Stocks, Bonds, REITs, Alternatives, etc.)

Relevant Investments (Quality investments appropriate

to your situation)Specifi

c Recommendat

ions (Investments chosen for you)

INVESTMENT PROCESS Investment Options

Raymond James Research and Due Diligence

Our Quantitative and Qualitative Analysis

Knowledge of Your Personal Situation

We have access to a wide variety of investments when designing portfolios for our clients and – with the support of Raymond James research and due diligence, and our own analysis and understanding of your needs – we choose investments best suited to your needs, constraints, obligations and goals.

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INVESTMENT PROCESS RebalancingPeriodic rebalancing is an important part of portfolio management. If left alone, different asset classes can eventually account for larger or smaller percentages of your allocation than they were originally intended to.

Past performance is no guarantee of future results. • An investment cannot be made directly in an index. • This art is for illustrative purposes only and not indicative of any investment. 3/1/2009 • Source: Created by Raymond James using Ibbotson Presentation Materials ©2009 Morningstar, Inc. All rights reserved. Used with permission. Asset allocation does not ensure a profit or protect against a loss.

50%

50%

53%

47%

67%

33%

67%

33%

58%

42%

0

10

20

30

40

50

60

70%

2003 2008199819931988

• Stock Allocation• Bond Allocation

Year End

Per

cent

of P

ortfo

lio

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INVESTMENT PROCESS Tax ManagementTaxes can represent one of the largest costs you face when investing. By taking advantage of tax-advantaged accounts and other strategies such as tax loss harvesting, you can save significantly on these costs.

Past performance is no guarantee of future results. • An investment cannot be made directly in an index. • This art is for illustrative purposes only and not indicative of any investment. 3/1/2009 • Source: Created by Raymond James using Ibbotson Presentation Materials ©2009 Morningstar, Inc. All rights reserved. Used with permission.

7.5%

5.7%

3.6%3.7%

2.3% 3.0%

0

2

4

6

8

10%

Stocks Stocks Af terTaxes

Bonds Af terTaxes

Bonds Cash Cash Af terTaxes

Inf lation

9.6%

Ret

urns

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ONGOING COMMUNICATION Comprehensive Client Statements

Our Monthly Statement offers detailed information, including:

An up-front Summary of your account including:

o Change in valueo Asset Allocation chart

Cost basis (Book Value) Subtotals by asset class Detailed and chronological sorting of all

activity

Our Quarterly Consolidated Summary provides a listing of all accounts linked to your household and their value

Other features of our account communication Delivered in a simple, easy-to-read format Printed “portrait-style” and mailed in a

standard envelope

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ONGOING COMMUNICATION Online Investor Access

Complete access to your brokerage accounts, as well as in-depth research and timely commentary

Simple, easy-to-navigate design

Quick-review home page featuring account summary and other convenient links

Selection of either paper and paperless account statement delivery option

The Raymond James Client Site combines the freedom of online services with the essential support and guidance of your professional financial advisor. With this service you can review activity and balances in all your accounts, individually or combined.

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TRUST | EXPERIENCE | TRANSPARENCY | ACCOUNTABILITY

Kevin Janjua, CFP, CIM, FMA, DMS, FCSIVice President & Portfolio Managerkevin.janjua@raymondjames.ca

Securities offered throughRaymond James Ltd. Member - Canadian Investor Protection Fund

5300 - 40 King Street WestScotia Plaza, P.O. Box 415

Toronto, Ontario416-777-7090

Michael Dehal, MBA, CPA, CMA, CIMVice President & Portfolio Managermichael.dehal@raymondjames.ca

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This presentation has been prepared by Janjua Dehal Wealth Management Group, and expresses the opinions of the authors and not necessarily those of Raymond James Ltd. (RJL). Statistics and factual data and other information in this presentation are from sources RJL believes to be reliable but their accuracy cannot be guaranteed. It is for information purposes only. Securities-related products and services are offered through Raymond James Ltd., member-Canadian Investor Protection Fund. Insurance products and services are offered through Raymond James Financial Planning Ltd., which is not a member-Canadian Investor Protection Fund. Options entail varying degrees of risk and are not suitable for all investors. Investors should not trade options unless they fully understand the strategy and the associated risks. We recommend that you consult an options qualified investment advisor before initiating any of the options strategies presented. Alternative investments are available only to those who meet specific suitability requirements including minimum net worth tests. Please review any offering materials carefully and consult with your tax advisor or accountant prior to investing. There are special risks involved with alternative investments, including liquidity, constraints, tax considerations, fee structures, potentially speculative investment strategies and different regulatory and reporting requirements. There can be no assurance that any investment will meet its performance objectives.

# Raymond James received the highest numerical score among full service brokerage firms in the proprietary J.D. Power and Associates 2012 Canadian Full Service Investor Satisfaction Study SM. Study based on 5,248 total responses measuring 20 brokerage firms and measures opinions of investors who used full-service investment institutions. Proprietary study results are based on experiences and perceptions of consumers surveyed June-July 2012.

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