Dual Occupation Disclosure

As a Carte Wealth Management Inc. (“CWMI”) Representative I am dually licensed for the sale of mutual funds and real estate products/services and represent separate companies for each purpose. I am also an Elementary School Teacher, Landlord and Business Owner. As such, you may be dealing with more than one company depending on the products purchased, or services rendered. Remuneration also varies with the products purchased, or services rendered. I will be representing Carte for the sale of mutual fund products and will provide you with the name of the entity that I represent while conducting life insurance, real estate, teaching and landlord related business. The sale of life insurance and real estate products/services, teaching and landlord related activities are not the business of, or under the supervision of Carte, and Carte will not be liable or responsible for such activities. I am a registered mutual fund salesperson represented by Carte Wealth Management Inc. I am also a licensed Real Estate Agent represented by Homelife Silvercity Realty Inc. I am also a Business Owner of Apaar Wealth Management Inc., a company whose name is used as a trade name when conducting mutual fund related business. I am also a Landlord at my principal residence. I am also an Elementary School Teacher with the Peel District School Board.