1. Wealth management for affluent individuals is not a singular event. It is a process that must be supported by systems. These systems are developed, tested and maintained to ensure all areas of the planning process are implemented and reviewed on a continual basis. Working with the systems and people in Kamloops are the teams at ScotiaMcLeod and Scotiabank. Their depth, strength and stability support the success of the regional offices and Consenheim Wealth Management. This is The Power of 2 working for our clients. By limiting the number of client families our system will support we ensure the required resources will always be available. In order to achieve this we only accept new clients with investible assets of $500,000 or greater.

2. ScotiaMcLeod – CONSENHEIM Wealth Management A partnership between a local wealth management team with over 35 years of experience and a national brand with substantial depth and support.

3. ScotiaMcLeod – CONSENHEIM Wealth Management A partnership between a local wealth management team with over 35 years of experience and a national brand with substantial depth and support. New Client Relationship Mutual discussions to determine if there “is a fit” with full information gathering to gain a complete understanding of individual circumstances. Once this is completed the Wealth Management process initiated.

4. ScotiaMcLeod – CONSENHEIM Wealth Management A partnership between a local wealth management team with over 35 years of experience and a national brand with substantial depth and support. New Client Relationship Mutual discussions to determine if there “is a fit” with full information gathering to gain a complete understanding of individual circumstances. Once this is completed the Wealth Management process initiated. Wealth Management Process

5. ScotiaMcLeod – CONSENHEIM Wealth Management A partnership between a local wealth management team with over 35 years of experience and a national brand with substantial depth and support. New Client Relationship Mutual discussions to determine if there “is a fit” with full information gathering to gain a complete understanding of individual circumstances. Once this is completed the Wealth Management process initiated. Wealth Management Process Individual Investment /Portfolio Construction Investment Philosophy -Strategic Partners “Best in Class” -Long-term Relationships -In-depth Research -Consolidated Asset Summary -Individual Portfolio Allocation -Systematic Rebalancing

6. ScotiaMcLeod – CONSENHEIM Wealth Management A partnership between a local wealth management team with over 35 years of experience and a national brand with substantial depth and support. New Client Relationship Mutual discussions to determine if there “is a fit” with full information gathering to gain a complete understanding of individual circumstances. Once this is completed the Wealth Management process initiated. Wealth Management Process Individual Investment /Portfolio Construction Retirement & Financial Planning Investment Philosophy -Strategic Partners “Best in Class” -Long-term Relationships -In-depth Research -Consolidated Asset Summary -Individual Portfolio Allocation -Systematic Rebalancing Full Financial Planning -Retirement Planning Spreadsheets -Tax Optimization Spreadsheets -Corporate & Personal Integration -Short, Medium & Long-term Planning -Lending Relationships with Scotiabank & Scotia Private Client Group

7. ScotiaMcLeod – CONSENHEIM Wealth Management A partnership between a local wealth management team with over 35 years of experience and a national brand with substantial depth and support. New Client Relationship Mutual discussions to determine if there “is a fit” with full information gathering to gain a complete understanding of individual circumstances. Once this is completed the Wealth Management process initiated. Wealth Management Process Individual Investment /Portfolio Construction Insurance Analysis & Design Retirement & Financial Planning Investment Philosophy -Strategic Partners “Best in Class” -Long-term Relationships -In-depth Research -Consolidated Asset Summary -Individual Portfolio Allocation -Systematic Rebalancing Full Financial Planning -Retirement Planning Spreadsheets -Tax Optimization Spreadsheets -Corporate & Personal Integration -Short, Medium & Long-term Planning -Lending Relationships with Scotiabank & Scotia Private Client Group Risk Analysis -Term & Permanent Life Insurance -Disability Insurance -Critical Illness Insurance -Corporate and Personal Coordination -Life Insurance as an Investment

8. ScotiaMcLeod – CONSENHEIM Wealth Management A partnership between a local wealth management team with over 35 years of experience and a national brand with substantial depth and support. New Client Relationship Mutual discussions to determine if there “is a fit” with full information gathering to gain a complete understanding of individual circumstances. Once this is completed the Wealth Management process initiated. Wealth Management Process Individual Investment /Portfolio Construction Insurance Analysis & Design Retirement & Financial Planning Investment Philosophy -Strategic Partners “Best in Class” -Long-term Relationships -In-depth Research -Consolidated Asset Summary -Individual Portfolio Allocation -Systematic Rebalancing Full Financial Planning -Retirement Planning Spreadsheets -Tax Optimization Spreadsheets -Corporate & Personal Integration -Short, Medium & Long-term Planning -Lending Relationships with Scotiabank & Scotia Private Client Group Risk Analysis -Term & Permanent Life Insurance -Disability Insurance -Critical Illness Insurance -Corporate and Personal Coordination -Life Insurance as an Investment Tax & Estate Planning Your Estate & Legacy -Organizing Your Estate Plan -Coordination with Accountants and Lawyers -Relationship with Scotiatrust for Estate & Trust Services -Planned Giving

9. ScotiaMcLeod – CONSENHEIM Wealth Management A partnership between a local wealth management team with over 35 years of experience and a national brand with substantial depth and support. New Client Relationship Mutual discussions to determine if there “is a fit” with full information gathering to gain a complete understanding of individual circumstances. Once this is completed the Wealth Management process initiated. Wealth Management Process Individual Investment /Portfolio Construction Insurance Analysis & Design Retirement & Financial Planning Investment Philosophy -Strategic Partners “Best in Class” -Long-term Relationships -In-depth Research -Consolidated Asset Summary -Individual Portfolio Allocation -Systematic Rebalancing Full Financial Planning -Retirement Planning Spreadsheets -Tax Optimization Spreadsheets -Corporate & Personal Integration -Short, Medium & Long-term Planning -Lending Relationships with Scotiabank & Scotia Private Client Group Risk Analysis -Term & Permanent Life Insurance -Disability Insurance -Critical Illness Insurance -Corporate and Personal Coordination -Life Insurance as an Investment Tax & Estate Planning Plans & Services Your Estate & Legacy -Organizing Your Estate Plan -Coordination with Accountants and Lawyers -Relationship with Scotiatrust for Estate & Trust Services -Planned Giving RRSP & RRIF – Retirement Plans TFSA – Tax Free Savings Accounts RESP – Education Planning Trading – Corporate & Personal Investments - Equities, Fixed Income, Investment Funds, Hedge, Pooled Funds, Alternative, Margin Fee Based – Tax Efficient & Transparent

10. ScotiaMcLeod – CONSENHEIM Wealth Management A partnership between a local wealth management team with over 35 years of experience and a national brand with substantial depth and support. New Client Relationship Mutual discussions to determine if there “is a fit” with full information gathering to gain a complete understanding of individual circumstances. Once this is completed the Wealth Management process initiated. Wealth Management Process Individual Investment /Portfolio Construction Insurance Analysis & Design Retirement & Financial Planning Investment Philosophy -Strategic Partners “Best in Class” -Long-term Relationships -In-depth Research -Consolidated Asset Summary -Individual Portfolio Allocation -Systematic Rebalancing Full Financial Planning -Retirement Planning Spreadsheets -Tax Optimization Spreadsheets -Corporate & Personal Integration -Short, Medium & Long-term Planning -Lending Relationships with Scotiabank & Scotia Private Client Group Risk Analysis -Term & Permanent Life Insurance -Disability Insurance -Critical Illness Insurance -Corporate and Personal Coordination -Life Insurance as an Investment Tax & Estate Planning Plans & Services Systemized Service Plan & Review Process Your Estate & Legacy -Organizing Your Estate Plan -Coordination with Accountants and Lawyers -Relationship with Scotiatrust for Estate & Trust Services -Planned Giving RRSP & RRIF – Retirement Plans TFSA – Tax Free Savings Accounts RESP – Education Planning Trading – Corporate & Personal Investments - Equities, Fixed Income, Investment Funds, Hedge, Pooled Funds, Alternative, Margin Fee Based – Tax Efficient & Transparent Services -Regular Review Meetings -Fully Consolidated Account Statements & Portfolio Allocation Analysis -Full Disclosure via Policy Statements -Informative Client Events

11. Contact us to arrange a meeting: www.consenheim.ca Brent Irvine, B.B.A. Wealth Advisor brent.irvine@scotiamcleod.com 250-372-8117 Ext. 103 Heidi Bradley, B.B.A. Administrative Associate heidi.bradley@scotiamcleod.com 250-372-8117 Ext. 104 Les Consenheim, B.A. (Econ.), FCSI Senior Wealth Advisor les.consenheim@scotiamcleod.com 250-372-8117 Ext. 101 All insurance products are sold through ScotiaMcLeod Financial Services Inc., the insurance subsidiary of Scotia Capital Inc., a member of the Scotiabank Group. When discussing life insurance products, ScotiaMcLeod advisors are acting as Life Underwriters (Financial Security Advisors in Quebec) representing ScotiaMcLeod Financial Services Inc. ® Registered trademark of The Bank of Nova Scotia, used by ScotiaMcLeod. ScotiaMcLeod is a division of Scotia Capital Inc. (“SCI”). SCI is a member of the Investment Industry Regulatory Organization of Canada and the Canadian Investor Protection Fund.