Legal

The information contained herein provides key information about the respective MD Platinum™ investments and is not intended to be taken by, and should not be taken by, any individual recipient as investment advice, a recommendation to buy, hold or sell any security, or an offer to sell or a solicitation of offers to purchase any security. The Platinum investments described in this document are subject to additional terms and conditions set out in the Platinum investments’ operative agreements and regulatory suitability requirements as considered by your Portfolio Manager, MD Private Investment Counsel an operating division of MD Financial Management Inc. The Platinum investments’ operative agreements will also set out additional information about the investment objective, terms and conditions of such fund, tax information and risk disclosure that are a material terms regarding a fund. Any investment in a Platinum investment would be speculative and would involve significant risks. The information and strategies presented here are not suitable for U.S. persons (citizens, residents or green card holders) or non-residents of Canada, or for situations involving such individuals. Employees of the MD Group of Companies are not authorized to make any determination of a client’s U.S. status or tax filing obligations, whether foreign or domestic. The Platinum investments are intended for individuals that have a discretionary managed account with MD Private Investment Counsel.

No guarantee or representation is made that any MD Platinum investments will achieve its investment objective. In addition, there are risks associated with investing in the MD Platinum investments that are not applicable to typical investments in the public equity markets. These risks include, but are not limited to, the following: private equity investments are speculative and involve a high degree of risk; an investor could lose all or a substantial amount of his or her investment; interests in private equity investments are illiquid and there is no secondary market nor is one expected to develop for interests in such investments; there are significant restrictions on transferring private equity investments; private equity investments experience volatile performance; private equity funds are often concentrated and lack diversification and regulatory oversight.

Certain information contained herein constitutes “forward looking statements”. Due to various risks and uncertainties, actual events or results may differ materially from those reflected or contemplated in such forward-looking statements. As a result, no reliance should be put on such forward-looking statements. No representation or warranty is made as to future performance or such-forward looking statements. MD Platinum investments are intended for discretionary managed account clients of MD Private Investment Counsel a division of MD Financial Management Inc. All fees and expenses associated with, and applicable to the MD Platinum investments may be higher than fees and expenses in public security funds.

Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Mutual funds are not guaranteed. Their values change frequently and past performance may not be repeated. To obtain a copy of the prospectus, please call your MD Advisor, or the MD Trade Centre at 1 800 267-2332. The MD Family of Funds is managed by MD Financial Management Inc.

MD Private Investment Counsel offers investment counselling services, delivered by MD Financial Management Inc.

Management fees and expenses may be associated with pooled fund investments and the use of an asset allocation service. Before investing, please read the prospectus of the pooled funds in which investments may be made under the asset allocation service. Pooled funds are not guaranteed. Their values change frequently and past performance may not be repeated. The MD Family of Funds is managed by MD Financial Management Inc.

Estate and trust services are provided by The Bank of Nova Scotia Trust Company (Scotiatrust® – Scotia Wealth Management).

All insurance products are sold through Scotia Wealth Insurance Services Inc., an insurance agency and subsidiary of Scotia Capital Inc., a member of the Scotiabank group of companies. When discussing life insurance products, advisors are acting as Insurance Advisors (Group Insurance and Group Annuity Plans Advisor or Group Annuity Plans Advisor in Quebec) representing Scotia Wealth Insurance Services Inc.

MD Stable Income Fund is not a mutual fund. It is a segregated group annuity policy, issued by MD Life Insurance Company. Important information about this product, including potential restrictions or adjustments to redemptions, can be found in the MD Stable Income Fund Group Annuity Policy Certificate, which can be obtained by contacting the MD Trade Centre at 1 800 267-2332 or online at md.ca. Please read it carefully before purchasing. All MD employees dealing with clients regarding insurance products hold life licences.

Banking and credit products and services are offered by The Bank of Nova Scotia (Scotiabank^®). Credit and lending products are subject to credit approval by Scotiabank. ^® Registered trademark of The Bank of Nova Scotia, used under licence.

These presentations are provided for informational purposes only and should not be considered investment advice or an offer for a particular security or securities. Please consult your MD Advisor for additional information concerning your specific wealth management needs. – refers to transcripts from videos.

MD ExO^®, MD Direct Trade™, MD Plus™, MD Apertura™, MD Platinum™, MD Fossil Fuel Free Funds™, MD Precision™, MD Precision Portfolios™ and onboardMD™ [is a/are] trademark[s] of The Bank of Nova Scotia, used under licence.

MD Signature Private Wealth Management is a private wealth planning service delivered by and a trade name of MD Management Limited and MD Financial Management Inc.

BlackRock is a registered trademark of BlackRock, Inc. © 2017 BlackRock, Inc. All Rights Reserved.

Metropolitan is a registered trademark of Metropolitan Real Estate Equity Management, LLC. © 2018 Metropolitan Real Estate Equity Management, LLC.

CFP^® is a trademark of Financial Planning Standards Board Ltd. (FPSB) and used under licence.

FTSE^® is a trade mark owned by the London Stock Exchange Group companies and is used by FTSE International Limited ("FTSE") under licence.

Maestro^® is a registered trademark of Mastercard International Inc.

© 2016 MD Financial Management Inc.

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