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Important information:

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

The information contained in this document is not intended to offer foreign or domestic taxation, legal, accounting or similar professional advice, nor is it intended to replace the advice of independent tax, accounting or legal professionals. Incorporation guidance is limited to asset allocation and integrating corporate entities into financial plans and wealth strategies. Any tax-related information is applicable to Canadian residents only and is in accordance with current Canadian tax law including judicial and administrative interpretation. The information and strategies presented here may not be 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 MD ExO® service provides financial products and guidance to clients, delivered through the MD Group of Companies (MD Financial Management Inc., MD Management Limited, MD Private Trust Company, MD Life Insurance Company and MD Life Insurance Company and Scotia Wealth Insurance Services Inc.). For a detailed list of these companies, visit md.ca. MD Financial Management provides financial products and services, the MD Family of Funds and investment counselling services through the MD Group of Companies.

Insurance products are distributed by MD Life Insurance Company and Scotia Wealth Insurance Services Inc. . All MD employees dealing with clients regarding insurance products hold life licences.

MD ExO® is a trademark of The Bank of Nova Scotia, used under licence.

Banking and credit products and services are offered by The Bank of Nova “Scotiabank”. Credit and lending products are subject to credit approval by Scotiabank.

© 2020 MD Financial Management Inc.

All rights reserved. No part of this publication may be reproduced or transmitted in any form or by any means, electronic or mechanical, including photocopying, photographing, recording or any other information storage and retrieval system, without the express written consent of MD Financial Management Inc.