Specialized Content for Investment Advisors Marketing Tools

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1 Specialized Content for Investment Advisors Marketing Tools Table of Contents INTRODUCTION... 2 OUR APPROACH... 2 What we will do for you: Understand, Plan, Act and Monitor... 3 THE NATIONAL BANK FINANCIAL WEALTH MANAGEMENT INVESTMENT PHILOSOPHY 4 OUR TEAM... 5 PRIVATE WEALTH The 1859 Client... 6 WEALTH MANAGEMENT AT NATIONAL BANK FINANCIAL WEALTH MANAGEMENT... 6 Our Professional Network... 7 The Wealth Wheel... 7 The Financial Planning Offer... 8 Banking Solutions... 8 Protecting what s important to you: Risk Planning... 9 Types of Insurance... 9 Estate Planning... 9 Portfolio Management Taxation of Investments and Philanthropy Complementary Services Products and Services INVESTOR PROFILE TYPE ABOUT NATIONAL BANK FINANCIAL WEALTH MANAGEMENT HIGHLIGHTS LEGAL DISCLAIMERS:... 14

2 Introduction As your financial needs evolve over time, you will need different solutions depending on your stage in life. This is especially important when you want to build the financial wealth needed to carry out the projects that matter most to you. We understand this and can help. As a member of the National Bank Financial Wealth Management team, we can draw on more than a century of know-how and are backed by one of Canada s largest financial groups. We have both the expertise and the resources to help you build and manage the assets you need to reach your goals. We offer each of our clients a personalized approach and a customized investment portfolio. We can also recommend complementary financial products and services in order to meet all of your financial needs. Why is National Bank Financial Wealth Management good for clients? We have: a very supportive environment for advisors, which means the needs of clients come first. accountability to clients to ensure they are on track to meet their financial goals. mobile wealth management specialists who are able to meet clients at their convenience. an accessible and responsive management team that will solve client issues; less bureaucracy and more support. the ability to maximize advisor performance through state of the art technology, topranked research capabilities, and an extensive product offering which translates into exceptional service and advice for clients. a comprehensive, holistic Wealth Management platform for clients in every life cycle. innovative discretionary portfolio management services and private portfolios unique to the industry that provide greater efficiency in helping clients achieve their objectives. If you have questions or want more information, please do not hesitate to contact us. Our Approach By choosing National Bank Financial Wealth Management as a partner in your financial success, you can count on receiving expert, unbiased advice to help you make the right decisions. We are professionals with solid credentials and relevant industry experience. With our help, you will gain access to a wide range of products created to meet your needs, depending on your financial objectives.

3 Our team can help you properly diversify your portfolio and identify solutions that correspond to your needs, objectives and risk tolerance. From the outset of our relationship, you will benefit from our support to help you manage your assets. Together, we will determine your objectives and your investor profile by looking at what you want to do with your money and your time horizon. By working with our team, you can be sure your wealth is being closely monitored. We will undertake regular rebalancing of your portfolio and will contact you to take stock. What we will do for you: Understand, Plan, Act and Monitor Throughout our relationship, we will: Take the time to get to know you. Undertake or perform a detailed analysis of your current situation. Understand and identify your needs and concerns to help you set objectives and priorities Recommend solutions that are tailored to your needs. Establish an action plan and the steps to take, with your priorities in mind. Design a personalized plan for your retirement and investment needs. Assist you in your decision making regarding estate planning and settlement. Monitor changes in your personal, financial and economic situation, to affirm the proposed solutions continue to suit your objectives. Entrust your file to your designated financial advisor, or refer you to an advisor who will monitor your situation as it evolves.

4 The National Bank Financial Wealth Management Investment Philosophy The heart of our investment philosophy can be summed up in one word Diversification. The philosophy at National Bank Financial is one of collaboration and innovation. Investing is like many other things in life it's preferable to focus on what you can control than on what you can't. Investment returns are dictated by financial markets which are largely unpredictable over the short term, but investment risk is something which one can control and the way to do so is with diversification. Our objective is simple: to put the right people in the right place and give them the freedom to do what they do best, which is using a client-centric approach and emphasizing a broad-based wealth management offering. We first start by ensuring proper diversification between the major asset classes the weighting of which will be determined by your risk profile and investment objectives. Within each asset class, we ensure that there are enough securities included to reduce the individual risk associated with any one in particular. For equities, we try to ensure representation from each of the major economic sectors, picking the best opportunities from around the world. On the fixedincome side, we stick to triple A credits, generally government issues to ensure maximum liquidity, making small adjustments to duration using Canada's broad-based government bond index as a benchmark. For taxable accounts, we also include preferred shares in our fixedincome holdings for tax efficiency. For smaller accounts, to achieve this level of diversification we usually use a careful selection of mutual funds. Finally, when appropriate, we will include a small portion of alternative investments to benefit from the negative correlation that this asset class gives. Key Components to National Bank Financial Wealth Management Supportive environment for Investment Advisors and clients. Smaller chartered bank; strong and stable, who listens to their clients and employees. Greater focus on the Advisor-Client relationship to help deliver a complete Wealth Management offering. Product and service offering that is unique and among the best in the industry. Access to our institutional analysts to help our advisors perform proper due diligence on investments for clients. Top-ranked research team highlighted by Chief Economist, Stephane Marion, named one of Canada s top forecaster by Bloomberg Markets in September We are the financial organization that truly takes care of its clients

5 Our Team As a partner for all your financial needs, our team has the expertise and the resources to help you build and manage the wealth you need to reach your goals. Our team mission is to guide and advise you about every aspect of your financial wealth. We can help you make your wealth grow, protect it, convert it into steady income, and pass it along to future generations. We are professionals with solid training and relevant industry experience. Each of us must have: Successfully completed the specialized training required by the investment industry. Duly registered as an investment advisor. Completed National Bank Financial Wealth Management s own training program that focuses on perfecting investment skills, mastering the latest industry products, and integrating our organization s investment philosophy and operational processes. This training complements the basic requirements of the investment industry. Followed a program of continuing education to maintain and increase our expertise in a constantly evolving financial universe. We are therefore able to advise you on a host of products and services offered by National Bank Financial Wealth Management, whether you are an individual or a company with specific or complex needs. Private Wealth 1859 Private Wealth 1859 offers tailored solutions and highly personalized service to individuals and families with substantial financial assets. PW 1859 is committed to helping ease the burden of managing their wealth on a day-to-day basis. There are several advantages to entrusting your wealth management to professionals. Well beyond the minutiae of financial planning, investment management and other financial services, Private Wealth 1859's real value is peace of mind the peace of mind that comes with knowing that in this important area you and your loved ones are well taken care of by a team of competent, trusted professionals. Private Wealth 1859 works in close collaboration with the 3,000 advisors in its parent bank's branch network and at National Bank Financial Wealth Management. The business model of Private Wealth 1859 is designed as a complete, integrated offering, with the relationship between you and your Advisor at its heart. Moreover, thanks to a multidisciplinary team of close to 200 professionals, Private Wealth 1859 covers every area of wealth management. For more information on Private Wealth 1859, please visit the website

6 The 1859 Client While all of our clients have at least $1 million to invest, this doesn't mean they are the all same. Many individuals owe their financial success to the efforts they have expended in their own business. Others have a talent or specialty that is highly sought-after and profitable, Or, it they may have inherited wealth from their parents or loved ones, or simply won at a lottery. How you acquired your assets often influences certain choices when it comes to their long-term management. Wealth management therefore offers a much broader scope than just managing your investments. VARIOUS PRIVATE WEALTH 1859 CLIENT PROFILES Business owners/entrepreneurs; Professionals; Senior executives; Professional athletes; Artists/entertainers; Religious orders; Immigrant investors; Lottery winners. Heirs. Wealth Management at National Bank Financial Wealth Management Wealth Management is more than just Portfolio Management. We work to address and administer a full suite of wealth management solutions for our clients. There s more to building wealth than investing money. You also need to establish a thorough and realistic plan to accomplish your financial and personal objectives. We are committed to advising you in all areas of your financial wealth. Supported by a team of experts, we can provide integrated solutions for all of your wealth management needs.

7 Our Professional Network The Wealth Wheel

8 The Financial Planning Offer For Quebec only: Please note that Financial Plans, Financial Planning and Financial Planners are terms restricted for professionals who possess the Financial Planner designation. Banking Solutions National Bank Financial Wealth Management investment advisors have access to the complete line of National Bank s banking solutions. Wealth Management is an approach that assesses each unique client situation and tailors holistic solutions designed to provide clients with peace of mind for today, tomorrow and beyond. Whether you re looking for a solution for your everyday transactions, your financing needs or any other particular need you may have, we can help. All products and services to meet your daily needs, including: Bank accounts for you, your spouse, your children, your holding company and your trust Online access and services Travelers cheques, drafts, warrants, transfer agent Bank card, credit card, cheques Tailor-made financing to meet your basic and more complex needs We offer Peace of mind Meetings in the comfort of your home or workplace

9 Easy and efficient access to your private banker and your account representative to answer all of your questions Bankers with a high level of expertise The promise of professional advice Protecting what s important to you: Risk Planning It is crucial to evaluate your financial security and that of your family to avoid setbacks in the event of death, illness or disability. In general, life insurance needs are tied to a household's financial security which varies based on your dependents' degree of financial autonomy, your overall income-generating assets, and the family lifestyle to be maintained. Other needs may also arise such as disability, critical illness and long-term care insurance. Nearing retirement, insurance usually becomes a question of financial strategy. Because insurance needs evolve with different life stages, to ensure you have the right coverage, we will refer you to experts who will help define your needs. Types of Insurance Life insurance (personal or business) Disability insurance Critical illness insurance Long-term care insurance Estate Planning Another great component of a solid financial plan is estate planning. You have worked hard to build up substantial assets and you want to protect them, and ensure that they are distributed to your heirs according to your wishes. An estate plan will give you the comfort of knowing that your wishes will be respected, and that your estate will be handled in an optimal fashion from a financial and tax perspective. Asset protection trust Protective supervision plans Trust administration Donations and philanthropy Estate planning Personalized testamentary planning Estate settlement

10 Portfolio Management Portfolio Management: An investment philosophy you can trust Portfolio Management consists of investing your assets in a way which seeks to grow your financial wealth over time to reach specific financial objectives. This can be accomplished within different time horizons and will need to take into account your cash flow needs as well as the tax impact of your decisions. You have considerable financial wealth, and you want to be sure to keep what you have managed to accumulate. You also expect your portfolio to provide a reasonable investment return. A proper trade-off between these two objectives is reached by balancing a number of factors. Our investment philosophy is to seek long-term capital appreciation while minimizing risk and volatility. Through the expertise and experience of our professional managers our asset management approach provides you with complete portfolio diversification by sector, asset class, country, geographic region, and management style all the while respecting your risk tolerance. Regularly rebalancing your portfolio to ensure it stays aligned with your personalized investment policy statement contributes further comfort that your strategy remains optimal over time. Our portfolio management services include: Comprehensive, integrated offering Combining management styles: value, growth, other Diversification through a variety of asset classes, sectors, and regions Ongoing monitoring and adjustments Individual holdings, private pools and ETF, etc Taxation of Investments and Philanthropy Capital gains and investment income are taxed differently depending on the investment product you use. With good planning, you can ensure you choose investment vehicles that reflect your tax situation so that you can grow your wealth more efficiently. We can refer you to professionals you can trust to establish solid tax strategies.

11 Complementary Services We offer a full range of services designed to complement our traditional investment solutions. We can advise you on philanthropy, business management, foreign banking, property valuations, business transfers, and much more. Philanthropy Tax optimization of donations In-kind donations Individual Pension Plans Creation of public and private foundations Products and Services Several factors must be considered before selecting an investment solution or vehicle. We will help you choose the appropriate investment solution and ensure your assets are diversified according to: your goals your priorities your investment horizon your risk tolerance National Bank Financial Wealth Management is a full-service investment dealer. This means that, to help you reach your goals, our team can draw on the full range of investment vehicles, including: money market securities short-term GICs, Treasury bills, etc. fixed-income securities longer-term GICs, bonds, strip coupons, preferred shares, etc. equities common shares, warrants, rights, etc. derivatives options, futures, etc. structured products principal-protected notes, etc. mutual funds discretionary portfolio management products

12 Our services can be tailored to your degree of knowledge and comfort with investing. Management of your portfolio can be delegated, in whole or in part, or you can play an active role. Investor Profile Type Income Portfolio Investor Profile: You want to preserve your capital or establish a source of periodic income to finance ongoing expenses. You do not find the stock market very attractive because of its volatility, but you are not against the idea of investing a small part of your portfolio in stocks, mainly to counteract the effects of inflation. Your tolerance for risk is very low. Conservative Portfolio Investor Profile: On the whole, you want your portfolio invested in fixed-income securities. Although you can tolerate limited volatility to ensure that your assets will grow, you prefer having a portfolio consisting mainly of fixed-income investments for reasons of stability. Your tolerance for risk is low. Balanced Portfolio Investor Profile: You give equal weight to income and capital growth. You can tolerate moderate volatility to ensure the growth of your capital, but you prefer having a portfolio with a significant exposure to fixed-income securities for reasons of stability. Your tolerance for risk is average. Growth Portfolio Investor Profile: Your main goal is capital growth. Although you can tolerate greater volatility in order to increase the value of your assets, you are not prepared to invest your entire portfolio in stocks. Your tolerance for risk is high. Maximum Growth Investor Profile: You want to maximize the eventual return on your capital by investing all or most of your portfolio in the stock market. In doing so, you accept higher volatility of your investment returns in the hope that these returns will ultimately be higher. Your tolerance for risk is very high. About National Bank Financial Wealth Management National Bank Financial Wealth Management is the 5th largest investment dealer in Canada, with offices from coast to coast. We combine individual advisory and brokerage services with institutional brokerage, corporate finance, and third-party securities clearing and brokerage services. We are one of the leading firms in institutional equity sales and trading and highly regarded for the quality of our equity and capital market research. In fact, each year we are recognized by Brendan Wood International in several award categories.

13 Our mergers and acquisitions expertise, integrated corporate banking capability and key participation in all Canadian fixed-income markets are just a few reasons to trust National Bank Financial Wealth Management. About National Bank Financial Wealth Management Traces its roots back to A full service IIROC-registered investment dealer providing a comprehensive menu of advice, financial products and services. Offers a continuum that extends from simple investment recommendations and execution all the way to holistic wealth optimization advice and discretionary portfolio management. Advisors supported by a team of industry-leading analysts and economists, as well as financial planning, estate, risk protection and banking specialists. Highlights More than 900 Investment Advisors A 107-branch network that extends from Halifax to Victoria 5th largest investment dealer in Canada as measured by assets under administration A pan-canadian market share of close to 10%. Managing and advising on $86 billion for over 325,000 individual clients Cutting-edge technology A state-of-the-art discretionary portfolio management platform. A full suite of managed products designed using an open architecture principle with all asset management done by external portfolio managers. The strength of our Financial Markets division translates into powerful benefits for NBF Wealth Management's Investment Advisors and their clients, such as: One of Canada's top economic forecasting teams Capital markets research recognized as some of the industry's best Participation in all of the major underwriting syndicates, which gives clients a good selection of new equity issues A broad and deep inventory of fixed income thanks to National Bank's positioning as the country's leading underwriter of government debt A steady supply of innovative new derivatives-based products reflecting our widely recognized market leadership in this area. Note: For further information concerning the Bank, NBFWM and its other subsidiaries, please reference our NBC/NBF one-pager, which can be found in the IA Marketing Toolbox.

14 LEGAL DISCLAIMERS: Disclaimers are to be used according to the content used. Your compliance officer must review and approve the text of your brochure prior to you submitting it to the marketing team for layout. National Bank Financial is an indirect wholly-owned subsidiary of National Bank of Canada which is a public company listed on the Toronto Stock Exchange (NA: TSX). NBF is a member of the Canadian Investor Protection Fund. The Baskets and the Private Pools are offered in the context of the Discretionary Management Program offered by National Bank Financial Inc. and National Bank Financial Ltd. (collectively, "NBF"). Please read the terms of the Discretionary Management Agreement to be entered into between you and NBF before investing. Ambassador Portfolio Service is a discretionary portfolio management service offered by National Bank Financial. National Bank Private Wealth 1859 is a trademark used by National Bank of Canada, National Bank Trust, and National Bank Financial.