Questionnaire de profil d'investisseur

Anton Ivanov

1 Investment Time Horizon

The length of your investment time horizon impacts the types of investments that may be suitable for you. Investors with a time horizon of greater than three years have greater flexibility when building a portfolio.

When do you expect to need to withdraw a significant portion (1/3 or more) of the money in your investment portfolio?

2 Investment Knowledge

If you have a high level of investment knowledge, you understand the relative risk of various types of investments and how the level of risk taken affects potential returns.

Which statement best describes your knowledge of investments?

Novice - I have very little knowledge of investments and financial markets. Fair - I have a moderate level of knowledge of investments and financial markets. Good - I have solid knowledge of different investment products. Sophisticated - I have extensive investment knowledge and follow financial markets closely.

3 Investment Objectives

Investment objectives are the goal or result you want to achieve from investing. Understanding your investment goals helps determine the types of investments best suited to meet your needs.

What is your primary goal for this portfolio?

I want to keep the money I have invested safe from short-term losses or readily available for short-term needs. (Safety) I want to generate a steady stream of income from my investments and I am less concerned about growing the value of my investments. (Income) I want to generate some income with some opportunity for the investments to grow in value. (Balanced) I want to generate long-term growth from my investments. (Growth)

4 Risk Capacity

Your financial situation including your assets, debt, and the amount and stability of your income are all important when determining how much risk you can take with your investments.

What is your annual income (from all sources)?

Your current and future income sources are:

Stable Somewhat stable Unstable

How would you classify your overall financial situation?

No savings and significant debt. Little savings and a fair amount of debt. Some savings and some debt. Some savings and little or no debt. Significant savings and little or no debt.

What is your estimated net worth (investments, cash, home and other real estate less mortgage loans and all other debts)?

Net worth breakdown (for compliance form)

Enter liquid assets, fixed assets, and liability. Net worth is calculated automatically (Liquid + Fixed - Liability). Otherwise leave blank.

Liquid assets ($)

Fixed assets ($)

Liability ($)

Net worth ($)

Individual Joint (with spouse)

Approximate amount to be invested in this account (for compliance form)

Investment experience (select all that apply)

Secondary investment objectives (select all that apply)

If Other, specify

This investment account represents approximately what percentage of your total savings and investments?

Less than 25% 25%-50% 51%-75% More than 75%

What is your age group?

Under 35 35-54 55-64 65 or older

5 Risk Attitude

Your comfort level with risk is important in determining how conservatively or aggressively you should invest. Generally speaking, you need to consider accepting more risk if you want to pursue higher returns.

In making financial and investment decisions you are:

Very conservative and try to minimize risk and avoid the possibility of any loss. Conservative but willing to accept a small amount of risk. Willing to accept a moderate level of risk and tolerate losses to achieve potentially higher returns. Aggressive and typically take on significant risk and are willing to tolerate large losses for the potential of achieving higher returns.

Assuming that you have invested $10,000, how much of a decline in your investment portfolio could you tolerate in a 12 month period?

When you are faced with a major financial decision, are you more concerned about the possible losses or the possible gains?

Always the possible losses. Usually the possible losses. Usually the possible gains. Always the possible gains.

Given the potential gain or loss in any one year, which investment would you likely invest your money in?

EITHER a loss of $0 OR a gain of $200 EITHER a loss of $200 OR a gain of $500 EITHER a loss of $800 OR a gain of $1,200 EITHER a loss of $2,000 OR a gain of $2,500

From September 2008 through November 2008, North American stock markets lost over 30%. If you currently owned an investment that lost over 30% in 3 months you would:

Sell all of the remaining investment to avoid further losses. Sell a portion of the remaining investment to protect some of your capital. Hold onto the investment and not sell any of the investment in the hopes of higher future returns. Buy more of the investment now that prices are lower.

Investments with higher returns typically involve greater risk. Which investment portfolio would you be most comfortable holding?

Portfolio A (Most stable, lowest returns) Portfolio B (Moderate stability, moderate returns) Portfolio C (Some volatility, higher returns) Portfolio D (High volatility, highest returns)

6 Fee disclosure

Fee disclosure - important information

In accordance with AMF (Autorité des marchés financiers) and MFDA (Mutual Fund Dealers Association) regulations, we are required to disclose all fees and compensation related to your investment account.

Types of fees and charges:

Management Expense Ratio (MER): Annual fees charged by mutual funds, typically ranging from 0.5% to 3% of assets under management. This includes management fees, operating expenses, and taxes.
Trading commissions: Fees for buying or selling securities, if applicable to your account type.
Deferred Sales Charges (DSC): Fees applied if you redeem certain mutual fund units within a specified period, typically declining over time.
Advisor compensation: Your advisor may receive compensation through trailer fees (ongoing commissions from fund companies, typically 0.25% to 1% annually) and/or upfront commissions on purchases.
Account fees: Annual account administration fees, transfer fees, or other service charges may apply.
Performance fees: Some investment products may charge fees based on investment performance above a specified benchmark.

Your rights: You have the right to receive detailed fee disclosure before making any investment. You will receive annual reports showing all fees and charges paid from your account. You can request a detailed breakdown of all compensation received by your advisor and our firm. Fee information is also available in the Fund Facts document for each mutual fund.

Mutual funds are distributed through Valeurs Mobilières WhiteHaven Inc. Your advisor will provide specific fee details for each investment recommendation. Please review the Fund Facts and prospectus documents carefully before investing.

I have read and acknowledge the fee disclosure above. I certify that all information provided in this questionnaire is accurate and complete. I agree to notify my advisor promptly of any material changes to my financial situation.

7 Fund Facts and prospectuses

For new funds used in this account that the client does not already hold elsewhere, upload the Fund Facts and prospectuses. These are kept separate for compliance.

Fund Facts (PDFs for new funds)

Upload one or more Fund Facts documents.

Prospectuses (PDFs; may be large, e.g. 10MB+)

Upload prospectuses separately from Fund Facts. DocuSign has size limits; very large files may be shared by link instead.

Investor Profile Questionnaire

1 Investment Time Horizon

2 Investment Knowledge

3 Investment Objectives

4 Risk Capacity

5 Risk Attitude

6 Fee disclosure

Fee disclosure - important information

7 Fund Facts and prospectuses

Fund Facts (PDFs for new funds)

Prospectuses (PDFs; may be large, e.g. 10MB+)

Your Investor Profile

Profile Summary

Your profile - information for the form

Risk Capacity Score

Risk Attitude Score

Recommended Asset Allocation

Compliance form (for account opening)