SSQ PRIVATE WEALTH MANAGEMENT

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1 SSQ PRIVATE WEALTH MANAGEMENT

2 SSQ Financial Group is an organization that is made up of people who respect our core values, people who are passionate about their jobs and people whose first priority is, and always has been, our clients. Our employees strive to always perform to the highest level and truly take our core values to heart, these being: mutualism, accessibility, expertise, integrity, respect and social commitment. This is why we can say with pride that our people reflect our values. The principles of mutualism, upon which our organization was founded, continue to have a strong influence on our corporate management practices even today. In this sense, team work is held in high esteem at SSQ and how we carry out our daily operations is inspired by the firm conviction that cooperation and success go hand in hand. A perfect balance of diverse expertise and different points of view, combined with a common vision and a shared sense of commitment to our core values, contribute to making SSQ the highly efficient and competent multidisciplinary team that we are. Given our steadfast loyalty to preserving the ethical values upon which our organization was founded along with our determination to make sure that all our employees embrace these fundamental values it s no wonder that at SSQ our people reflect our values.

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4 SSQ PRIVATE WEALTH MANAGEMENT If you hold significant assets, portfolio management involves rigorous monitoring and making key decisions and choices aimed at reaching your financial goals. Focused on understanding your needs, SSQ Private Wealth Management was created for people who hold significant assets and who wish to delegate their portfolio management to experts. Our team of highly qualified professionals is responsible for implementing your investment strategy. Working on your behalf, they closely monitor all results and make any necessary adjustments as your situation evolves. SSQ Private Wealth Management s unique investment approach reproduces the management model used by major pension funds. In addition, you benefit from guarantees ensuring the security of your capital. 3

5 OUR MISSION SSQ Private Wealth Management offers well-to-do clients a full slate of personalized services, including advice on private portfolio management. Drawing on our expertise and diligence, we are committed to helping our clients reach their financial goals while keeping in mind the protection of their capital. Our team is dedicated to providing the very best portfolio management services. In addition to sound portfolio management, SSQ Private Wealth Management offers its clients a peace of mind that comes from their assets being protected by capital guarantees that only an insurance company can offer.

6 OUR SERVICE OFFER SSQ Private Wealth Management offers a comprehensive and personalized range of discretionary portfolio management services. Your needs and goals are the central focus of what we set out to accomplish every day. That is why our team of experts strives to offer you the very best. Growing your capital over the long term Our institutional investment structure gives you access to specialized managers in each asset class who are recognized for their work with major pension funds. You have the option of investing in asset classes that are rarely available to individual investors, such as global real estate, infrastructure and commodities. The choice of investment managers is completely impartial because our company has no investment management subsidiary. That means that your interests take precedence at all times, not ours. Peace of mind thanks to sound risk management and unique capital guarantees Capital guarantees allow us to consistently deliver a minimum return despite market fluctuations. Risk is significantly reduced thanks to diversification by asset class and management style. Access to institutional managers who are recognized for their ability to protect your capital in turbulent times. Your assets are protected in the event of personal bankruptcy since insurance company contracts usually enable you to protect your assets by designating an individual (e.g. your spouse or children) as your beneficiary in the event of bankruptcy. Competitive rates in line with the value of your assets You qualify for substantial savings on asset management fees no matter what plan you select (RRSP, LIRA, RRIF, LIF, TFSA, etc.). 5

7 OUR MANAGEMENT APPROACH Our management approach is tailored to meet the needs of each of our clients. It is adaptable to all types of portfolios we are entrusted with. Let there be no doubt about it: we are committed to working on your behalf, day in and day out. Our ultimate goal is to preserve and grow your capital in line with your expectations in a world in which turmoil and market turbulence are often a fact of life. In addition, we will provide you with regular updates on your portfolio and continuously review your investment strategy to ensure that it consistently meets your needs. You get to benefit from our unique private portfolio management approach because at SSQ, each client is one of a kind! Establishing a personalized investment policy We will need to find out more about your goals, your risk tolerance and your capital needs in the coming years. In fulfilling our mandate, we aim to ensure that we offer the services that best match your profile. 6

8 Compliance reports Our specialists ensure that all of your portfolio transactions comply with the managers mandate. To that end, we ask our managers to confirm whether there were any discrepancies during the quarter and, if so, to indicate the reasons why and the corrective measures that were taken (as applicable). Based on the information provided, we issue a compliance report that provides further proof of our transparency. Daily market monitoring Our team of experts is constantly monitoring the markets to ensure that only the best possible investment choices are made. Every six months, our experts are responsible for producing a management monitoring report as well as issuing market commentaries on a quarterly basis that are subsequently sent to you. 7

9 Monitoring tools Web site: this is where you can track the day-to-day value of your account, in addition to your personalized returns (updated monthly). Quarterly investment statement: this detailed document provides you with information on your portfolio s status. Annual performance report: this comprehensive document compares actual portfolio performance with the objectives previously established in your investment policy. 8

10 OUR BELIEFS Our beliefs guide our actions. We strive to excel by offering our clients the very best, every day. Our beliefs are the key to forging sound and lasting relationships with our clients. The following four beliefs are what set us apart and you re sure to benefit from them. Each client is unique Each client is unique and has different needs. We understand this, and that s why we take the time to get to know you well and identify your financial goals, starting from our very first meeting. Once we re sure we understand your needs, we ll develop the investment strategy that best suits your investor profile. We re determined to offer you the very best portfolio management services and that s why we d like to get to know you a little better! 9

11 Thoroughness is the key to success Every day, the SSQ Private Wealth Management team demonstrates diligence, professionalism and discipline. Our experts carefully review the investment strategies and recommend personalized financial solutions. In addition, we are committed to fulfilling our mandate by establishing a customized investment policy setting out the investment guidelines and strategy that we undertake to abide by. Exemplary service Our reputation for customer service is rock-solid and we ll do what it takes to prove it. In keeping with our mutualist values, we re committed to providing you with exemplary service at all times. You re bound to appreciate the courtesy and availability of our employees, who will answer your questions quickly and efficiently. At SSQ, your needs are our top priority! Trust-based relationships In our line of work, we aim to establish trust. We believe that integrity and transparency are the twin pillars of successful business relationships. That s why we demonstrate responsibility and transparency at all times. Moreover, our team carries out its activities in accordance with the highest standards of conduct and confidentiality.

12 About SSQ Financial Group With a business volume over $3 billion and nearly $11 billion in assets under management, SSQ Financial Group is a leading mutual diversified financial institution in Canada. The Group serves over 1 million clients and provides jobs to nearly 2,000 employees. SSQ, Life Insurance Company Inc., the Group s principal company, is recognized as a leader in the group insurance industry and as an expert in the investment and retirement sector. SSQ Financial Group is also a rising star in home and auto insurance under the SSQ General Insurance Company Inc. banner and has expanded into the individual insurance market thanks to its subsidiary, SSQ Insurance Company Inc. For more information, please visit ssq.ca. 11

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14 MONTREAL SALES OFFICE Tel.: Fax: ONTARIO, WESTERN AND ATLANTIC CANADA SALES OFFICE Tel.: Fax: QUEBEC CITY SALES OFFICE Tel.: Fax: CLIENT SERVICES P.O. Box 10510, Stn Sainte-Foy Quebec QC G1V 0A Chemin Sainte-Foy, Suite 210 Quebec QC G1S 4P2 Tel.: Fax: investment.ssq.ca BRA1397A ( )