1. BRIDGEFORCE 2014 RRSP Road Show How to Survive - and Thrive - During the Coming Retirement Income Crisis

2. BRIDGEFORCE - 2014 RRSP Road Show Demographic Trends are Troubling

3. BRIDGEFORCE - 2014 RRSP Road Show Demographic Trends are Troubling 22%10%93% 2013 2036 Under 1515-6465+ 5,674,12324,104,5595,379,622 6,897,900026,544,40010,379,300 Statistics Canada, July 2013. Medium Growth Scenario.

4. BRIDGEFORCE - 2014 RRSP Road Show Demographic Trends are Troubling Largest Single Expenditure of the Federal Government OAS - $40 Billion Largest Expenditure of the Provincial Governments Health Care ($148 Billion), 45% of this amount ($67 Billion) is attributable to Canadians 65+ Between 2013 and 2036 the elder population will i ncrease by 93%

5. BRIDGEFORCE - 2014 RRSP Road Show Demographic Trends are Troubling Largest Single Expenditure of the Federal Government OAS - $40 Billion Largest Expenditure of the Provincial Governments Health Care ($148 Billion), 45% of this amount ($67 Billion) is attributable to Canadians 65+ Between 2013 and 2036 the elder population will increase by 93%

6. BRIDGEFORCE - 2014 RRSP Road Show Demographic Trends are Troubling Largest Single Expenditure of the Federal Government OAS - $40 Billion Largest Expenditure of the Provincial Governments Health Care ($148 Billion), 45% of this amount ($67 Billion) is attributable to Canadians 65+ Between 2013 and 2036 the elder population will increase by 93% $107 Billion

7. BRIDGEFORCE - 2014 RRSP Road Show Demographic Trends are Troubling $40 Billion (OAS) x 93% = $37.5 Billion $67 Billion (Health Care) x 93% = $62.5 Billion 37.5 Billion + 62.5 Billion = $100 Billion Working age population growth 014-2036): 10% An Additional

8. BRIDGEFORCE - 2014 RRSP Road Show Demographic Trends are Troubling $40 Billion (OAS) x 93% = $37.5 Billion $67 Billion (Health Care) x 93% = $62.5 Billion 37.5 Billion + 62.5 Billion = $100 Billion Working age population growth (2013-2036): 10% An Additional

9. BRIDGEFORCE - 2014 RRSP Road Show Demographic Trends are Troubling How much is $100 Billion? Total Federal Income Tax: $126 Billion* Total Federal Corporate Tax: $35 Billion* Total GST collected: $29 Billion* Total of all Federal Taxes: $209 Billion* *Fiscal Year 2012/13

10. BRIDGEFORCE - 2014 RRSP Road Show Governments are Retrenching The Canada Health Transfer (CHT) is being reduced Tough new Long-Term Home admission criteria (Long-Term Care Homes Act, 2007) Changes to Canada Pension Plan funding and benefits Changes to age of eligibility for OAS, GIS and the Allowances

11. BRIDGEFORCE - 2014 RRSP Road Show Governments are Retrenching The Canada Health Transfer (CHT) is being reduced Tough new LTC Home admission requirements have been introduced (LTC Homes Act, 2007) Changes to Canada Pension Plan funding and benefits Changes to age of eligibility for OAS, GIS and the Allowances

12. BRIDGEFORCE - 2014 RRSP Road Show Governments are Retrenching The Canada Health Transfer (CHT) is being reduced Tough new LTC Home admission requirements have been introduced (LTC Homes Act, 2007) Canada Pension Plan funding and benefits have changed Changes to age of eligibility for OAS, GIS and the Allowances

13. BRIDGEFORCE - 2014 RRSP Road Show Governments are Retrenching The Canada Health Transfer (CHT) is being reduced Tough new LTC Home admission requirements have been introduced (LTC Homes Act, 2007) Canada Pension Plan funding and benefits have changed The age of eligibility for OAS, GIS and the Allowances is increasing

14. BRIDGEFORCE - 2014 RRSP Road Show Pension Plans are Under Siege Pension plan participation 46% in 1977 38% in 2012 Private sector participation One in 3 workers 1977 One in 5 workers 2012 Defined Benefit Defined Contribution/Hybrid

15. BRIDGEFORCE - 2014 RRSP Road Show Pension Plans are Under Siege Pension Plan Participation 2013 62% 21% 7%

16. BRIDGEFORCE - 2014 RRSP Road Show RRSP Participation is Pathetic Only one third of eligible Canadians contribute to an RRSP Canadians have used a total of 9% of their available RRSP room The median RRSP amount, held by a households with a breadwinner between ages 55 and 64, is $55,000 - one third have nothing - one third have less than $55,000 - one third have more than $55,000

17. BRIDGEFORCE - 2014 RRSP Road Show RRSP Participation is Pathetic Almost half of working Canadians have neither an RPP or RRSP Less than one quarter of eligible Canadians make an RRSP contribution each year Canadians have used 9% of their available RRSP room The median RRSP amount, held by a households with a bread-winner between ages 55 and 64, is $55,000 - one third have nothing - one third have less than $55,000 - one third have more than $55,000 48% 24% 9%

18. BRIDGEFORCE - 2014 RRSP Road Show RRSP Participation is Pathetic The median RRSP amount, held by a households with a bread-winner between ages 55 and 64, is $60,000 - one third have nothing - one third have less than $60,000 - one third have more than $60,000

19. BRIDGEFORCE - 2014 RRSP Road Show Investment Returns Are Weak Stock ExchangeJanuary 1 2000 January 1 2014 Annual Return* S&P TSX8,41413,622 +3.5% Dow Jones Industrials11,49716,576 +2.6% Hang Seng16,96223,306 +2.3% DAX6,9589,552 +2.3% S&P 5001,4691,836 +1.6% Nasdaq Composite4,0694,177 +0.2% FTSE 1006,9306,749 -0.2% Nikkei 22518,93416,291 -1.1% CAC 405,9584,296 -2.3% * January 1, 2000 – January 1, 2014

20. BRIDGEFORCE - 2014 RRSP Road Show Summary Demographic trends are going to put significant pressure on elder entitlements Governments are already cutting funding and changing programs Fewer Canadians are covered by a pension plan and those who are covered are seeing benefit reductions Most Canadians have little or no RRSP savings The few Canadians who have saved, have been sideswiped by weak investment returns

21. BRIDGEFORCE - 2014 RRSP Road Show Summary Demographic trends are going to put significant pressure on elder entitlements Governments are already cutting funding and changing programs Fewer Canadians are covered by a pension plan and those who are covered are seeing benefit reductions Most Canadians have little or no RRSP savings The few Canadians who have saved, have been sideswiped by weak investment returns A global retirement crisis is bearing down on workers of all ages. - CBC News, December 30, 2013

22. BRIDGEFORCE - 2014 RRSP Road Show The Good News! If forced to pay Canadians are being asked to accept more responsibility when it comes to their own retirement planning Low interest rates and difficult financial markets should encourage them to seek expert financial advice

23. BRIDGEFORCE - 2014 RRSP Road Show The Bad News! If forced to pay Canadians have an unwarranted faith in government programs They don’t appreciate the gravity of the current fiscal situation They don’t understand the financial markets and recent volatility has unnerved them They are actually saving less, not more They are incredibly inept consumers

24. BRIDGEFORCE - 2014 RRSP Road Show Helping Canadians become better consumers can help you: Add Value Build the Relationship Free up Capital

25. BRIDGEFORCE - 2014 RRSP Road Show Becoming a Better Consumer Automobiles MeasureSource Warranty Manufacturer Specifications IIHS Rating Insurance Institute for Highway Safety (IIHS), Crash Worthiness and Avoidance Testing, 2013 NHTSA Rating National Highway Traffic Safety Administration (NHTSA), Crash Test Safety Ratings, 2013 U.S. Review U.S. News Best Cars Report, December 2013 AJAC Review Automobile Journalists Association of Canada (AJAC), Testfest Results C.U. Road Test Consumers Reports, June 2013 Lemon-aid Score Phil Edmonston’s Lemon-aid, New Cars, 2013 Initial Quality J.D. Power Quality Rating, 2013 C.U. Reliability Consumers Reports Predicted Reliability, June and December 2013 Residual Value Kelly Blue Book, December 2013

26. BRIDGEFORCE - 2014 RRSP Road Show Becoming a Better Consumer Automobiles Make/Model2013 Sales Ford Fusion 20,145 Toyota Camry 18,245 Honda Accord 17,165 Hyundai Sonata 14,519 BMW 3 Series 12,507 Chrysler 200 11,666 Nissan Altima 10,488 M.B. C Class 9,356 Kia Optima 9,269 VW Passat 7,909 Dodge Avenger 7,631 Make/Model2013 Sales Audi A4 5,956 Ford Taurus 4,238 Mazda 6 4,224 M.B. E Class 3,359 Cadillac ATS 3,256 Lexus ES 3,096 BMW 5 Series 2,717 Acura TL 2,374 Subaru Legacy 2,022 Infiniti G 1,776 Lincoln MKZ 1,625 Make/Model2013 Sales Nissan Maxima 1,500 Volvo S60 1,374 Toyota Avalon 1,264 Buick LaCrosse 1,156 Audi A6 1,033 Cadillac CTS 997 Cadillac XTS 787 Lexus GS 642 Jaguar XF 604 Volvo S80 59 Full-size Sedans – Wheelbase of 2,750 – 3,000mm – Under 1,850 kg

27. BRIDGEFORCE - 2014 RRSP Road Show Becoming a Better Consumer Automobiles MeasureCar ACar BCar CCar D Warranty4/80,4/80,12U 3/60,5/100,5U4/80,4/80,5U IIHS RatingFail TSP+Fail NHTSA Rating5 Star(1)5 Star(0) 5 Star(2) U.S. Review8.28.57.98.3 AJAC Review656673671659 C.U. Road Test86768885 Lemon-aid Score3 Star 4 Star3 Star Initial Quality4 Star 3 Star C.U. ReliabilityABAMBAA Residual Value38%37%43%46%

28. BRIDGEFORCE - 2014 RRSP Road Show Becoming a Better Consumer Automobiles MeasureCar ACar BCar CCar D Warranty4/80,4/80.12U4/80,4/80,12U3/60,5/100,5U4/80,4/80,5U IIHS RatingFail TSP+Fail NHTSA Rating5 Star(1)5 Star(0) 5 Star(2) U.S. Review8.28.57.98.3 AJAC Review656673671659 C.U. Road Test86768885 Lemon-aid Score3 Star 4 Star3 Star Initial Quality4 Star 3 Star C.U. ReliabilityABAMBAA Residual Value38%37%43%46%

29. BRIDGEFORCE - 2014 RRSP Road Show Becoming a Better Consumer Automobiles MeasureCar ACar BCar CCar D Warranty4/80,4/80.12U4/80,4/80,12U3/60,5/100,5U4/80,4/80,5U IIHS RatingFail TSP+Fail NHTSA Rating5 Star(1)5 Star(0) 5 Star(2) U.S. Review8.28.57.98.3 AJAC Review656673671659 C.U. Road Test86768885 Lemon-aid Score3 Star 4 Star3 Star Initial Quality4 Star 3 Star C.U. ReliabilityABAMBAA Residual Value38%37%43%46%

30. BRIDGEFORCE - 2014 RRSP Road Show Becoming a Better Consumer Automobiles MeasureCar ACar BCar CCar D Warranty4/80,4/80.12U4/80,4/80,12U3/60,5/100,5U4/80,4/80,5U IIHS RatingFail TSP+Fail NHTSA Rating5 Star(1)5 Star(0) 5 Star(2) U.S. Review8.28.57.98.3 AJAC Review656673671659 C.U. Road Test86768885 Lemon-aid Score3 Star 4 Star3 Star Initial Quality4 Star 3 Star C.U. ReliabilityABAMBAA Residual Value38%37%43%46% First Quartile Performance

31. BRIDGEFORCE - 2014 RRSP Road Show Becoming a Better Consumer Automobiles Measure Warranty4/80,4/80.12U4/80,4/80,12U3/60,5/100,5U4/80,4/80,5U IIHS RatingFail TSP+Fail NHTSA Rating5 Star(1)5 Star(0) 5 Star(2) U.S. Review8.28.57.98.3 AJAC Review656673671659 C.U. Road Test86768885 Lemon-aid Score3 Star 4 Star3 Star Initial Quality4 Star 3 Star C.U. ReliabilityABAMBAA Residual Value38%37%43%46% 1

32. BRIDGEFORCE - 2014 RRSP Road Show Becoming a Better Consumer Automobiles Measure BMW 3 Series Warranty4/80,4/80.12U4/80,4/80,12U3/60,5/100,5U4/80,4/80,5U IIHS RatingFail TSP+Fail NHTSA Rating5 Star(1)5 Star(0) 5 Star(2) U.S. Review8.28.57.98.3 AJAC Review656673671659 C.U. Road Test86768885 Lemon-aid Score3 Star 4 Star3 Star Initial Quality4 Star 3 Star C.U. ReliabilityABAMBAA Residual Value38%37%43%46% 1

33. BRIDGEFORCE - 2014 RRSP Road Show Becoming a Better Consumer Automobiles Measure BMW 3 SeriesM.B. C Class Warranty4/80,4/80.12U4/80,4/80,12U3/60,5/100,5U4/80,4/80,5U IIHS RatingFail TSP+Fail NHTSA Rating5 Star(1)5 Star(0) 5 Star(2) U.S. Review8.28.57.98.3 AJAC Review656673671659 C.U. Road Test86768885 Lemon-aid Score3 Star 4 Star3 Star Initial Quality4 Star 3 Star C.U. ReliabilityABAMBAA Residual Value38%37%43%46% 1

34. BRIDGEFORCE - 2014 RRSP Road Show Becoming a Better Consumer Automobiles Measure BMW 3 SeriesAudi A4M.B. C Class Warranty4/80,4/80.12U4/80,4/80,12U3/60,5/100,5U4/80,4/80,5U IIHS RatingFail TSP+Fail NHTSA Rating5 Star(1)5 Star(0) 5 Star(2) U.S. Review8.28.57.98.3 AJAC Review656673671659 C.U. Road Test86768885 Lemon-aid Score3 Star 4 Star3 Star Initial Quality4 Star 3 Star C.U. ReliabilityABAMBAA Residual Value38%37%43%46% 1

35. BRIDGEFORCE - 2014 RRSP Road Show Becoming a Better Consumer Automobiles Measure BMW 3 SeriesAudi A4Subaru LegacyM.B. C Class Warranty4/80,4/80.12U4/80,4/80,12U3/60,5/100,5U4/80,4/80,5U IIHS RatingFail TSP+Fail NHTSA Rating5 Star(1)5 Star(0) 5 Star(2) U.S. Review8.28.57.98.3 AJAC Review656673671659 C.U. Road Test86768885 Lemon-aid Score3 Star 4 Star3 Star Initial Quality4 Star 3 Star C.U. ReliabilityABAMBAA Residual Value38%37%43%46% 1

36. BRIDGEFORCE - 2014 RRSP Road Show Becoming a Better Consumer Automobiles Measure Subaru Legacy Warranty3/60,5/100,5U IIHS RatingTSP+ NHTSA Rating5 Star(0) U.S. Review7.9 AJAC Review671 C.U. Road Test88 Lemon-aid Score4 Star Initial Quality4 Star C.U. ReliabilityMBA Residual Value43%

37. BRIDGEFORCE - 2014 RRSP Road Show Becoming a Better Consumer Automobiles MeasureCar ECar F Subaru Legacy Car G Warranty4/80,4/80,5U4/80,4/80,12U3/60,5/100,5U4/80,4/80,12U IIHS Rating--TSP+- NHTSA Rating--5 Star(0)5 Star(1) U.S. Review9.0 7.98.1 AJAC Review657 671672 C.U. Road Test89938881 Lemon-aid Score3 Star 4 Star3 Star Initial Quality4 Star3 Star4 Star3 Star C.U. ReliabilityBAMBA A Residual Value38%35%43%36%

38. BRIDGEFORCE - 2014 RRSP Road Show Becoming a Better Consumer Automobiles MeasureCar ECar F Subaru Legacy Car G Warranty4/80,4/80,5U4/80,4/80,12U3/60,5/100,5U4/80,4/80,12U IIHS Rating--TSP+- NHTSA Rating--5 Star(0)5 Star(1) U.S. Review9.0 7.98.1 AJAC Review657 671672 C.U. Road Test89938881 Lemon-aid Score3 Star 4 Star3 Star Initial Quality4 Star3 Star4 Star3 Star C.U. ReliabilityBAMBA A Residual Value38%35%43%36%

39. BRIDGEFORCE - 2014 RRSP Road Show Becoming a Better Consumer Automobiles MeasureCar ECar F Subaru Legacy Car G Warranty4/80,4/80,5U4/80,4/80,12U3/60,5/100,5U4/80,4/80,12U IIHS Rating--TSP+- NHTSA Rating--5 Star(0)5 Star(1) U.S. Review9.0 7.98.1 AJAC Review657 671672 C.U. Road Test89938881 Lemon-aid Score3 Star 4 Star3 Star Initial Quality4 Star3 Star4 Star3 Star C.U. ReliabilityBAMBA A Residual Value38%35%43%36%

40. BRIDGEFORCE - 2014 RRSP Road Show Becoming a Better Consumer Automobiles MeasureCar ECar F Subaru Legacy Car G Warranty4/80,4/80,5U4/80,4/80,12U3/60,5/100,5U4/80,4/80,12U IIHS Rating--TSP+- NHTSA Rating--5 Star(0)5 Star(1) U.S. Review9.0 7.98.1 AJAC Review657 671672 C.U. Road Test89938881 Lemon-aid Score3 Star 4 Star3 Star Initial Quality4 Star3 Star4 Star3 Star C.U. ReliabilityBAMBA A Residual Value38%35%43%36% First Quartile Performance

41. BRIDGEFORCE - 2014 RRSP Road Show Becoming a Better Consumer Automobiles Measure Subaru Legacy Warranty4/80,4/80,5U4/80,4/80,12U3/60,5/100,5U4/80,4/80,12U IIHS Rating--TSP+- NHTSA Rating--5 Star(0)5 Star(1) U.S. Review9.0 7.98.1 AJAC Review657 671672 C.U. Road Test89938881 Lemon-aid Score3 Star 4 Star3 Star Initial Quality4 Star3 Star4 Star3 Star C.U. ReliabilityBAMBA A Residual Value38%35%43%36% 1

42. BRIDGEFORCE - 2014 RRSP Road Show Becoming a Better Consumer Automobiles Measure M.B. E ClassSubaru Legacy Warranty4/80,4/80,5U4/80,4/80,12U3/60,5/100,5U4/80,4/80,12U IIHS Rating--TSP+- NHTSA Rating--5 Star(0)5 Star(1) U.S. Review9.0 7.98.1 AJAC Review657 671672 C.U. Road Test89938881 Lemon-aid Score3 Star 4 Star3 Star Initial Quality4 Star3 Star4 Star3 Star C.U. ReliabilityBAMBA A Residual Value38%35%43%36% 1

43. BRIDGEFORCE - 2014 RRSP Road Show Becoming a Better Consumer Automobiles Measure M.B. E ClassSubaru Legacy BMW 5 Series Warranty4/80,4/80,5U4/80,4/80,12U3/60,5/100,5U4/80,4/80,12U IIHS Rating--TSP+- NHTSA Rating--5 Star(0)5 Star(1) U.S. Review9.0 7.98.1 AJAC Review657 671672 C.U. Road Test89938881 Lemon-aid Score3 Star 4 Star3 Star Initial Quality4 Star3 Star4 Star3 Star C.U. ReliabilityBAMBA A Residual Value38%35%43%36% 1

44. BRIDGEFORCE - 2014 RRSP Road Show Becoming a Better Consumer Automobiles Measure M.B. E ClassAudi A6Subaru Legacy BMW 5 Series Warranty4/80,4/80,5U4/80,4/80,12U3/60,5/100,5U4/80,4/80,12U IIHS Rating--TSP+- NHTSA Rating--5 Star(0)5 Star(1) U.S. Review9.0 7.98.1 AJAC Review657 671672 C.U. Road Test89938881 Lemon-aid Score3 Star 4 Star3 Star Initial Quality4 Star3 Star4 Star3 Star C.U. ReliabilityBAMBA A Residual Value38%35%43%36% 1

45. BRIDGEFORCE - 2014 RRSP Road Show Becoming a Better Consumer Automobiles Mid-Priced SedansScore1 st Q 1. Subaru Legacy808 2. Honda Accord817 5. Mazda 6916 6. Toyota Camry924 7. Hyundai Sonata927 8. Kia Optima975 German SedansScore1 st Q 10. Mercedes E1034 11. Audi A61063 15. Audi A41214 17. BMW 31292 19. BMW 51403 22. Mercedes C1471 Well Equipped for $30,000 Well Equipped for $40,000-60,000

46. BRIDGEFORCE - 2014 RRSP Road Show Becoming a Better Consumer Why do people believe German Sedans are superior to mid-market Asian sedans? German sedans cost more Their belief is widely shared Their belief is reinforced through marketing

47. BRIDGEFORCE - 2014 RRSP Road Show Becoming a Better Consumer The luxury automobile paradox Rich people don’t buy luxury automobiles Most of the purchasers of luxury automobiles finance or lease Luxury automobiles are no more satisfying to drive or own than other automobiles

48. BRIDGEFORCE - 2014 RRSP Road Show Becoming a Better Consumer What has this discussion have to do with retirement planning?

49. BRIDGEFORCE - 2014 RRSP Road Show Becoming a Better Consumer 1.Buy value - not bling 2.Purchase experiences, not stuff 3.Sweat the “big expenses” 4.Trust no one - do your own homework

50. BRIDGEFORCE - 2014 RRSP Road Show Becoming a Better Consumer Sweat the “big expenses” After automobiles, one of your biggest single expenses will likely be real estate commissions Depending on market conditions and the nature of the property being sold you may not require an agent If you do need to list a property, it is important to understand that the sale will be driven through MLS (which attracts buyers and their agents) The listing agent does NOT drive the sale. He prepares the initial paperwork, provides staging advice, and may provide some limited – but generally ineffective – marketing support. Why does he get paid 2 ½ - 3% Commission?

51. BRIDGEFORCE - 2014 RRSP Road Show Becoming a Better Consumer 1.Buy value - not bling 2.Purchase experiences, not stuff 3.Sweat the “big expenses” 4.Trust no one - do your own homework

52. BRIDGEFORCE - 2014 RRSP Road Show Smart Consumer Behaviour Trust No One – Do Your Homework 1970s - Blue Cross introduces “The Blue Plate Special” Removal of Adolescent Wisdom Teeth becomes “Routine” 2000 – The National Institute for Health report is released 2006 – The results of the first two clinical trials (The Collaboration Study and the Clinical Evidence Study) are released All three conclude that: there is no evidence that wisdom teeth cause other teeth to shift; there is no justification for remove of non-symptomatic impacted teeth; and the risks of such removal actually out weight any future benefits The only group to continue to recommend routine remove is the American Association of Oral and Maxillofacial Surgeons Two thirds of the typical oral surgeon’s income is related to the removal of adolescent wisdom teeth

53. BRIDGEFORCE - 2014 RRSP Road Show How to Survive and Thrive Get out of debt Become a smart consumer Ignore the head monkey Purchase experiences... not stuff Invest any remaining capital in appreciating assets Have simple, exciting, internalized goals Make sure your loved ones are on side

54. BRIDGEFORCE - 2014 RRSP Road Show Summary Canadians need to accept more responsibility for their own financial well being in retirement The financial and life style protection products you offer will be of great assistance to them in this process They are also in desperate need of financial advice and expertise – advice and expertise that goes well beyond simple product recommendations and market knowledge You are in the perfect place to capitalize on this opportunity In the end, the two things they will need to survive and thrive are money and wisdom

55. BRIDGEFORCE - 2014 RRSP Road Show Summary Canadians need to accept more responsibility for their own financial well being in retirement The financial and life style protection products you offer will be of great assistance to them in this process They are also in desperate need of financial advice and expertise – advice and expertise that goes well beyond simple product recommendations and market knowledge You are in the perfect place to capitalize on this opportunity In the end, the two things they will need to survive and thrive are money and wisdom

56. BRIDGEFORCE - 2014 RRSP Road Show For wisdom is a defence, and money is a defence: but the excellency of money is that wisdom giveth life to them that have it. - ECCLESIASTES 7:12

57. BRIDGEFORCE - 2014 RRSP Road Show

58. Appendix

59. BRIDGEFORCE - 2014 RRSP Road Show Warranty First number is basic warranty (yrs/km); second powertrain warranty; third corrosion warranty

60. BRIDGEFORCE - 2014 RRSP Road Show Warranty First number is basic warranty (yrs/km); second powertrain warranty; third corrosion warranty The Winners 1.Hyundai Sonata Kia Optima 3.Infiniti G 4.Buick Lacrosse Cadillac ATS,CTS,XTS Lexus ES,GS The Losers 31. Chrysler 200 Dodge Avenger 23. Ford Fusion,Taurus Honda Accord Nissan Altima, Maxima Subaru Legacy Toyota Avalon, Camry

61. BRIDGEFORCE - 2014 RRSP Road Show IIHS Rating Insurance Institute for Highway Safety (IIHS), December 2013. TSP+ - 5G or 4G/1A plus front crash prevention; TSP - 5G or 4G/1A no front crash protection; Blank (-) no small overlap test. Fail – failed one or more tests.

62. BRIDGEFORCE - 2014 RRSP Road Show IIHS Rating Insurance Institute for Highway Safety (IIHS), December 2013. TSP+ - 5G or 4G/1A plus front crash prevention; TSP - 5G or 4G/1A no front crash protection; Blank (-) no small overlap test. Fail – failed one or more tests. The Winners 1.Volvo S60 Volvo S80 3. Honda Accord 4. Subaru Legacy 5. Mazda 6 The Losers 31. Jaguar XF 29. Infiniti G Nissan Maxima 28. Audi 4 27. Hyundai Sonata

63. BRIDGEFORCE - 2014 RRSP Road Show NHTSA Rating National Highway Traffic Safety Administration, 2013. Star Rating (plus number of fails).

64. BRIDGEFORCE - 2014 RRSP Road Show NHTSA Rating National Highway Traffic Safety Administration, 2013. Star Rating (plus number of fails). The Winners 1.Kia Optima Subaru Legacy Audi A4 Cadillac ATS Volvo S60 The Losers 25. Chrysler 200 24. Dodge Avenger 22. Acura TL Nissan Maxima 17. Mercedes “C” Class, Lincoln MKZ, Toyota Avalon, Toyota Camry, Ford Fusion

65. BRIDGEFORCE - 2014 RRSP Road Show U.S. News - Car Rankings U.S. News Overall Rating, December 2013.

66. BRIDGEFORCE - 2014 RRSP Road Show U.S. News - Car Rankings U.S. News Overall Rating, December 2013. The Winners 1.Cadillac CTS 2.Audi A6 Mercedes “E” 4.Hyundai Sonata Mazda 6 The Losers 31. Lincoln MKZ Dodge Avenger 30. Chrysler 200 29. Nissan Maxima 28. Cadillac XTS

67. BRIDGEFORCE - 2014 RRSP Road Show AJAC Test Results AJAC results up to and including year end 2013 test results.

68. BRIDGEFORCE - 2014 RRSP Road Show AJAC Test Results AJAC results up to and including year end 2013 test results. The Winners 1.Hyundai Sonata 2.Mazda 6 3.Honda Accord 4.Ford Fusion 5.Kia Optima The Losers 32. Dodge Avenger 31. Lincoln MKZ 30. Volvo S80 29. Cadillac XTS 28. Jaguar XF

69. BRIDGEFORCE - 2014 RRSP Road Show Consumer’s Reports Road Test Road Test results, June 2013.

70. BRIDGEFORCE - 2014 RRSP Road Show Consumer’s Reports Road Test Road Test results, June 2013. The Winners 1.Infiniti G 2.Toyota Camry 3.Audi A6 4.Honda Accord 5.Hyundai Sonata Mercedes “E” The Losers 31. Dodge Avenger 30. Chrysler 200 29. Ford Taurus 28. Volvo S80 26. Audi A4 Cadillac ATS

71. BRIDGEFORCE - 2014 RRSP Road Show Lemon-aid Rating Lemon-aid 2013. 4 Star – Above average; 3 Star – Average; 2 Star – Below average; 1 Star – Not recommended.

72. BRIDGEFORCE - 2014 RRSP Road Show Lemon-aid Rating Lemon-aid 2013. 4 Star – Above average; 3 Star - Average; 2 Star - Below average; 1 Star - Not recommended. The Winners 1.Honda Accord Mazda 6 Subaru Legacy Nissan Altima Nissan Maxima Toyota Avalon Infiniti G The Losers 24. Dodge Avenger Chrysler 200 Kia Optima 21. VW Passat Ford Fusion Hyundai Sonata

73. BRIDGEFORCE - 2014 RRSP Road Show J.D. Power Initial Quality J.D. Power Initial Quality rating (1-5).

74. BRIDGEFORCE - 2014 RRSP Road Show J.D. Power Initial Quality J.D. Power Initial Quality rating (1-5). The Winners 1.Toyota Camry Acura TL Infiniti G Cadillac CTS 5. Hyundai Sonata, Kia Optima, Mazda 6, Subaru Legacy, BMW 3 Series, Audi A4, Lexus ES, Lexus GS, Mercedes “E” Class, Nissan Maxima, Toyota Avalon, Jaguar XF The Losers 27. Volvo S80 Cadillac XTS Cadillac ATS Lincoln MKZ Ford Taurus Nissan Altima

75. BRIDGEFORCE - 2014 RRSP Road Show Consumer’s Reports Reliability Consumers Reports, June 2013/December 2013. MBA – Much Better than Average; BA – Better than Average; A – Average; WA – Worse than Average; MWA – Much worse than Average.

76. BRIDGEFORCE - 2014 RRSP Road Show Consumer’s Reports Reliability Consumers Reports, June 2013/December 2013. MBA – Much Better than Average; BA – Better than Average; A – Average; WA – Worse than Average; MWA – Much worse than Average. The Winners 1.Subaru Legacy Toyota Avalon Acura TL Lexus ES Infiniti G Audi A6 The Losers 27. Jaguar XF Cadillac XTS Ford Taurus Nissan Altima 26. Buick Lacrosse

77. BRIDGEFORCE - 2014 RRSP Road Show Kelly Blue Book Residual Value Percentage of MSRP retained after five years. Source: Kelly Blue Book, December 2013.

78. BRIDGEFORCE - 2014 RRSP Road Show Kelly Blue Book Residual Value Percentage of MSRP retained after five years. Source: Kelly Blue Book, December 2013. The Winners 1. Kia Optima 2. Honda Accord 3. Toyota Camry Mercedes “C” Lexus ES The Losers 31. Volvo S80 Buick Lacrosse 30. Jaguar XF 29. Chrysler 200 28. Cadillac XTS