2. What is the New Brunswick Securities Commission? Crown Corporation Established in 2004 Double role

3. Getting started Know where you’re going financially Know what you’re investing in Know who you’re dealing with Know where to go for help

4. INVESTMENT ADVISER RELATIONSHIP Know who you’re dealing with

5. Working with a financial adviser Assess your needs Find an adviser Schedule a meeting Ask questions See: “Working with a Financial Adviser” in your kit.

6. How to find an adviser Ask around Contact the NBSC to find out who is registered in your area Other sources: – Mutual Fund Dealers Association of Canada – Investment Industry Regulatory Organization of Canada – Investment Counsel Association of Canada.

7. Schedule a meeting Registration, Qualification, experience, trustworthy, and comfortable Make the phone call Ask questions and answer theirs

8. Ask questions Are you registered with the NBSC? What is your background? How are you paid for your services (salary, commission or flat fee)? What kinds of products and services do you offer? Who are your clients? How will your help me reach my goals? What level of service can I expect from you?

9. Background Checks Step 1- Check your adviser’s registration Step 2 - Check for disciplinary action Step 3 - Check the company’s history Step 4 - Check the news Step 5 - Check other search tools

10. Making the Most of the relationship It’s a partnership Keep the lines of communication open Ask questions Be honest with yourself and your adviser See the “Investment planning worksheet” in your kit

11. What an adviser can do for you You can expect your adviser to: Make clear and specific recommendations Explain the reasons for the recommendations Point out the strengths and weaknesses of opportunities and recommendations Outline the risks involved

12. What an adviser can’t do for you Your adviser will not be able to: Predict the performance of the markets with certainty Recommend investments that are always profitable Act on vague or general instructions to buy or sell investments Meet unrealistic goals or expectations of profit

13. Your responsibilities as a client Be prepared for each meeting Ask questions and take notes Be informed Stay on top of your investments Keep your adviser up to date See “When your broker calls – take notes” in your kit

14. Do I have a complaint? You may have a complaint if your financial adviser: is not registered to sell the investments being recommended; takes money out of your account, or buys or sells securities with your money, without first getting your permission (unless one of the exemptions previously discussed applies) switches you from one mutual fund to another when there is no legitimate reason;

15. Dealing with Disputes (cont) does not take reasonable care to see that your investment request is executed at the best possible price, given the market conditions at the time; or recommends you buy or sell a security that is unsuitable based on the information gathered from you in the Know Your Client form (KYC).

16. What to do if you have a problem Start with your adviser or their firm If you’re not satisfied… Ask about the firm’s complain process If that doesn’t work… Contact the New Brunswick Securities Commission

17. What the NBSC Can Do Answer general questions Provide registration information Provide a history of past disciplinary action Suggest options for pursuing your complaint Enforce compliance with securities legislation Act against market misconduct, including removing from the market those who do not comply with the law or who cheat investors.

18. What the NBSC Can Do (Cont) The NBSC cannot: undo a transaction, give advice on an investment, give legal advice, or comment on an ongoing investigation.

19. Remember: Check Registration Ask Questions Do a Background Check Manage Exepctations Contact us: 1 866 933-2222 www.nbsc-cvmnb.ca information@nbsc-cvmnb.ca @NBSecuritiesCom