Disclosure (please read)

Global Solutions Wealth Management Inc is a private investment counsel team of Hoovest Financial Inc. (HFI). HFI is registered with the British Columbia Securities Commission as an Investment Fund Manager, Portfolio Manager, and Exempt Market Dealer. It is also registered in the same categories in Alberta, Saskatchewan, Manitoba, Ontario, and Quebec.

This presentation was prepared exclusively for the benefit and internal use of Hoovest Financial Inc. (“HFI”) clients to whom it is directly addressed and delivered (including such client’s subsidiaries, the “Company”) in order to assist the Company in evaluating, on a preliminary basis, the feasibility of a possible transaction or transactions and does not carry any right of publication or disclosure, in whole or in part, to any other party. This presentation is for discussion purposes only and is incomplete without reference to, and should be viewed solely in conjunction with, the oral briefing provided by HFI. Neither this presentation nor any of its contents may be disclosed or used for any other purpose without the prior written consent of HFI.​

HFI’s opinions and estimates constitute HFI’s judgment and should be regarded as indicative, preliminary and for illustrative purposes only. In preparing this presentation, we have relied upon and assumed, without independent verification, the accuracy and completeness of all information available from public sources or which was provided to us by or on behalf of the Company or which was otherwise reviewed by us. In addition, our analyses are not and do not purport to be appraisals of the assets, stock, or business of the Company or any other entity. HFI makes no representations as to the actual value which may be received in connection with a transaction nor the legal, tax or accounting effects of consummating a transaction. Unless expressly contemplated hereby, the information in this presentation does not take into account the effects of a possible transaction or transactions involving an actual or potential change of control, which may have significant valuation and other effects.​

HFI’s policies prohibit employees from offering, directly or indirectly, a favorable research rating or specific price target, or offering to change a rating or price target, to a subject company as consideration or inducement for the receipt of business or for compensation. HFI also prohibits its research analysts from being compensated for involvement in investment banking transactions except to the extent that such participation is intended to benefit investors.​

HFI and its affiliates do not provide tax advice. Accordingly, any discussion of tax matters in any jurisdiction included herein (including any attachments) is not intended or written to be used, and cannot be used, in connection with the promotion, marketing or recommendation by anyone not affiliated with HFI of any of the matters addressed herein or for the purpose of avoiding tax-related penalties in any jurisdiction.​

This presentation does not constitute a commitment by any HFI entity to act as dealer or place any securities or to extend or arrange credit or to provide any other services.​

Any investment returns presented herein are for illustrative purposes only. Any implied past returns do not represent future performance. HFI Financial Inc. is registered as an Investment Fund Manager, Portfolio Manager, and Exempt Market Dealer in British Columbia, Alberta, Manitoba, Saskatchewan, Ontario, and Québec.​

This presentation does not constitute an offer to sell or a solicitation of an offer to buy securities in any jurisdiction where the offer or sale is not permitted.​

Insurance Disclaimer

When considering the purchase of life insurance, living benefits or investment products, it is important to have an understanding of the product and how it meets your needs. In addition, it is important to know the company which is offering/supplying the product or service as well as the advisor who is recommending it.

The following information will assist you in making an informed decision, and will provide insight into our relationship with the companies we do business with. We are unable to advise you on any insurance needs where we do not hold the appropriate authorized regulatory certificates.

As licensed insurance brokers, we represent several insurance carriers offering life insurance, living benefits and investment products. Our recommendations are based on our assessment of your financial and security needs and are selected from a broad range of products.

No Insurer holds ownership or interest in our business, nor do we hold an interest in any Insurance Company. Global Solutions is registered in every province except Quebec.

We take the potential of a conflict of interest very seriously. We will notify you verbally and in writing if there is a potential or real conflict of interest of which we become aware. Our overall recommendations are unbiased and, where possible, are based on an independent survey of companies which provide the products the client is interested in.

Our recommendations are selected from a broad range of products from various companies. A careful assessment of your financial and security requirements are considered as part of your overall review. Growing and protecting your assets is paramount to your financial health. Please do not hesitate to contact us if you need further clarification on the recommended products, our qualifications, or the nature of our business relationships.