Common use of Benchmark Information Clause in Contracts

Benchmark Information. When evaluating the performance of any investment, it may be useful to compare the performance against an appropriate benchmark in order to make an informed assessment of the Account’s performance based on its investment strategy. Generally, broad market and market-segment stock and bond indexes, such as the S&P/TSX Composite index, S&P 500 index, FTSE TMX Canada Universe Bond Index are used for this purpose as they are some of the most well- known indices. It is important to note that benchmarks do not include operating charges and transaction charges nor expenses related to the Account’s investments which may affect its performance. The past performance of any benchmark, market index, ETF, or other Security does not indicate its future performance, and future transactions will be made in different securities and different economic environments. The Advisors rely on their own internal metrics for performance determination but may use benchmarks for comparative purposes. Nest Wealth Asset Management Inc. is required to provide its clients and consumers a disclosure statement, outlining the firm's procedures and policies regarding the safeguarding of non-public personal information that is obtained during the normal course of business. Nest Wealth Asset Management Inc. understands your privacy is important and Nest Wealth Asset Management Inc. is committed to maintaining your confidentiality. This notice will help you understand what types of non-public personal information - information about you that is not publicly available - we may collect, how we use it and how we protect your privacy. We recognize that you expect your personal information to be handled in a professional, confidential manner and we have adopted the following policies to safeguard your privacy and to explain the circumstances, under which we may collect, maintain and use any non-public personally identifiable information that you may provide us. We collect information about you to help us serve your financial needs, provide client support, offer new products or services, and fulfill legal regulatory requirements. The type of information we collect may include: • Information we receive from you on applications or other forms (e.g., your name address, social insurance number, assets and income). • Information about your transactions with us or others (e.g., your account balance, payment history, and transaction amounts). • Information that we receive from a consumer reporting agency (e.g., your creditworthiness and/or credit history), We do not share non-public personal information about you with unaffiliated third parties with whom we have no contractual business relationship for their independent use unless (1) you give us permission, (2) it is necessary to complete a transaction on your behalf, (3) it is necessary to protect against fraud, comply with a subpoena or other court order or is otherwise required or permitted by law. We do not sell information about you to outside unaffiliated companies. Further, we restrict access to your personal and account information to those employees and affiliated third parties who need to know that information to provide products or services to you and maintain strict physical, electronic, and procedural safeguards to guard your non- public personal information. If you decide to close your accounts(s) or become an inactive client, we will adhere to the privacy policies and practices described in this notice. We reserve the right to change these privacy policies at any time. You will receive appropriate notice of changes to our Privacy Policy. You may opt-out of the disclosure of non-public personal information to a non-affiliated third party by giving us notice in writing or email. Schedule E BY CONTINUING WITH THIS APPLICATION, YOU AGREE THAT UNLESS INDICATED OTHERWISE THE AGREEMENT AND THE DISCLOSURES REQUIRED TO BE PROVIDED AT THE TIME OF APPLICATION FOR A CLIENT ACCOUNT AND ALL FUTURE ACCOUNTS MAY BE PROVIDED ELECTRONICALLY. READ THE INFORMATION BELOW CAREFULLY BEFORE CONSENTING TO RECEIVE INFORMATION ELECTRONICALLY AT THIS WEBSITE AND VIA ELECTRONIC MAIL ("EMAIL"). YOU SHOULD PRINT OR SAVE THIS STATEMENT BY USING THE "PRINT" OR "FILE SAVE" OPTIONS ON YOUR INTERNET BROWSER OR OTHER SOFTWARE PRODUCT.

Benchmark Information. When evaluating the performance of any investment, it may be useful to compare the performance against an appropriate benchmark in order to make an informed assessment of the Account’s performance based on its investment strategy. Generally, broad market and market-segment stock and bond indexes, such as the S&P/TSX Composite index, S&P 500 index, FTSE TMX Canada Universe Bond Index are used for this purpose as they are some of the most well- well-known indices. It is important to note that benchmarks do not include operating charges and transaction charges nor expenses related to the Account’s investments which may affect its performance. The past performance of any benchmark, market index, ETF, or other Security does not indicate its future performance, and future transactions will be made in different securities and different economic environments. The Advisors rely on their own internal metrics for performance determination but may use benchmarks for comparative purposes. Nest Wealth Asset Management Inc. is required to provide its clients and consumers a disclosure statement, outlining the firm's procedures and policies regarding the safeguarding of non-public personal information that is obtained during the normal course of business. Nest Wealth Asset Management Inc. understands your privacy is important and Nest Wealth Asset Management Inc. is committed to maintaining your confidentialityprotecting the privacy and confidentiality of personal information in our possession and control. This notice will help you understand what types of non-public Privacy Policy explains the measures we take to fulfill these commitments and describes the manner in which we collect, use, disclose and treat personal information - information about you that is not publicly available - we through our website and platform. This Privacy Policy may collect, how we use it and how we protect your privacy. We recognize that you expect your personal information be updated periodically to be handled in a professional, confidential manner and we have adopted the following policies to safeguard your privacy and to explain the circumstances, under which we may collect, maintain and use any non-public personally identifiable information that you may provide us. We collect information about you to help us serve your financial needs, provide client support, offer new products or services, and fulfill legal regulatory requirements. The type of information we collect may include: • Information we receive from you on applications or other forms (e.g., your name address, social insurance number, assets and income). • Information about your transactions with us or others (e.g., your account balance, payment history, and transaction amounts). • Information that we receive from a consumer reporting agency (e.g., your creditworthiness and/or credit history), We do not share non-public personal information about you with unaffiliated third parties with whom we have no contractual business relationship for their independent use unless (1) you give us permission, (2) it is necessary to complete a transaction on your behalf, (3) it is necessary to protect against fraud, comply with a subpoena or other court order or is otherwise required or permitted by law. We do not sell information about you to outside unaffiliated companies. Further, we restrict access to your personal and account information to those employees and affiliated third parties who need to know that information to provide products or services to you and maintain strict physical, electronic, and procedural safeguards to guard your non- public personal information. If you decide to close your accounts(s) or become an inactive client, we will adhere to the privacy policies and practices described in this notice. We reserve the right to change these privacy policies at any time. You will receive appropriate notice of reflect changes to our Privacy Policy. You may opt-out of the disclosure of non-public personal information practices. We strongly encourage you to refer to this Privacy Policy often for the latest information about our personal information practices or stay informed about such updates through our newsletters. While we do our best to ask our clients for no more personal information than necessary, we are required to collect specific personal information from our clients in order to provide our services and fulfil our legal/regulatory obligations. In general, we collect information for the following primary purposes: ● To fulfil our fiduciary obligations as a nonPortfolio Manager; ● To verify your identity in accordance with applicable Anti-affiliated third party by giving us notice in writing Money Laundering (“AML”) and Securities legislation; ● To be able to open and service your account; ● To be able to facilitate electronic fund transfers to and from your account or email. Schedule E BY CONTINUING WITH THIS APPLICATION, YOU AGREE THAT UNLESS INDICATED OTHERWISE THE AGREEMENT AND THE DISCLOSURES REQUIRED TO BE PROVIDED AT THE TIME OF APPLICATION FOR A CLIENT ACCOUNT AND ALL FUTURE ACCOUNTS MAY BE PROVIDED ELECTRONICALLY. READ THE INFORMATION BELOW CAREFULLY BEFORE CONSENTING TO RECEIVE INFORMATION ELECTRONICALLY AT THIS WEBSITE AND VIA ELECTRONIC MAIL ("EMAIL"). YOU SHOULD PRINT OR SAVE THIS STATEMENT BY USING THE "PRINT" OR "FILE SAVE" OPTIONS ON YOUR INTERNET BROWSER OR OTHER SOFTWARE PRODUCT.from other brokerage institutions; ● To detect and prevent fraud and other unauthorized or illegal activities; ● To meet legal and regulatory requirements; ● To fulfil tax reporting obligations