Wise Advice. A personal relationship with your Portfolio Manager. Thor Wealth Management Group

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1 Wise Advice A personal relationship with your Portfolio Manager Thor Wealth Management Group

2 Devote your time to what is important to you, knowing that your investments are being managed by a professional you trust and who truly understands your goals.

3 Your Financial peace of mind and preserving your capital is our top priority. We are committed to creating a stable, conservatively invested portfolio with reduced risk so that capital is preserved, while delivering both reasonable growth and income potential. We will provide you open and ongoing communication to advise you of the steps being taken to protect and increase your wealth. As your life grows, we will continue to work closely with you and integrate our true wealth management strategy which follows a disciplined and comprehensive approach. It is our fiduciary duty to always act in your best interest.

4 Individual attention to safeguard your finances At Thor Wealth Management Group, we will design and customize a wealth strategy to your needs with our multilayered and disciplined process to protect and preserve your wealth. Our strategy is best suited for investment portfolio over $500,000. Our strategy is supported by the following services: Comprehensive investment management Retirement and income planning Estate planning and transfer of wealth to the next generation Comprehensive investment and wealth plan Risk management, estate planning and wealth protection Business succession planning and exit strategies Tax minimization and tax efficient investment strategies Philanthropic planning

5 A solid foundation Our integrated approach to investing is enhanced by utilizing the resources of other TD Bank Group specialists. Having established a strong relationship with them, we are better equipped to survey the market and provide products and solutions that are best aligned to your unique financial needs. You will receive advice in terms you can understand within your risk comfort level. Insights from the following groups will complement our comprehensive service offering: TD Canada Trust - personal and small business banking TD Commercial banking TD Wealth Private Banking TD Wealth Private Trust TD Wealth Insurance Services TD Economics TD Asset Management TD Wealth Portfolio Advice & Investment Research TD Bank Group TD Canada Trust Personal and Commercial Banking TD Insurance TD Wealth Private Client Group TD Wealth Private Banking TD Wealth Private Trust TD Wealth Private Investment Advice Thor Wealth Management Group TD Wealth Private Investment Advice Thor Wealth Management Group is built on a solid foundation of the TD Bank Financial Group and its wealth management subsidiary, TD Wealth Private Investment Advice.

6 A disciplined process Our team will help you articulate your personal and financial goals, develop your risk profile and define your investment objectives. We follow a unique and reliable process to create, implement and update your investment plan to address each of your life stages. 1 Discover 2 Determine and Present Solutions Create your wealth profile Review your current financial information and determine your investment parameters and constraints to help you achieve your financial goals. Present your personalized Investment Policy Statement (IPS) Review your current portfolio in the context of your Wealth Profile and provide you with an IPS outlining investment recommendations based on our strategic asset assessment.

7 3 Implement 4 Ongoing Management and Review Implement your Investment Policy Statement (IPS) Design and execute your portfolio based on the capital market environment and your personal and financial situation Monitor your portfolio As your life changes, we will proactively monitor and adjust your portfolio to meet the changing needs of your financial situation. We will also measure and monitor your portfolio on an ongoing basis, while keeping you informed on your progress towards your financial goals.

8 Meet the team Michael Thor, CIM, FCSI Vice President, Portfolio Manager 295 King Street, 2nd Floor Midland, ON L4R 3M5 Business: (705) Toll Free: (866) Fax: (705) Branch Phone: (705) Branch Fax: (705) As Vice President and Portfolio Manager with TD Wealth, Michael specializes in managing the complex financial affairs and daily investment management for the area's most successful individuals, corporate investment accounts and Trusts. Michael was born and raised in Ottawa where he began his career within the financial services sector in 1991 holding management positions with a major Canadian bank. In 1995, Michael advanced his career and moved to Midland following his passion for Investment management. He and his team joined TD Wealth to provide his clients an exceptional level of advice in wealth management solutions. As an active Portfolio Manager since 2005, Michael's personal approach to managing portfolios is based on each client s risk tolerance, his conservative investment nature and easy to understand methodology. Within TD Wealth, Michael is recognized for his strong business ethics and commitment to his clients as one of the firm's elite and leading advisors nationally. He and his team currently manage over $200 million in client assets under their care with three underlying principles; responsibility, integrity and service. When asked what he is most proud of, he says that It is the long term client relationship and earning our clients deepest trust that dates back to when I first moved to Midland in Education within the industry is a top priority for Michael as he holds the Fellow of Canadian Securities R Institute (FSCI), Personal Financial Planner (PFP ), Financial Management Advisor (FMA) and Canadian Investment Manager (CIM) designations allowing him to become a Portfolio Manager. The Portfolio Manager designation is awarded to individuals who exemplify the firm's highest standards to portfolio management allowing him to provide his clients the freedom from making day-to-day decisions for their investment portfolio. He is also fully licensed in insurance products and solutions. Michael moved to the Midland-Georgian Bay region to enjoy the lifestyle advantages this area has to offer. In his personal time, Michael cherishes family time with his wife Sarah and three children.

9 Meet the team Doug Thorhauge Associate Investment Advisor Doug commenced his career in the financial service industry in Over the years, Doug has developed his career and brings a wealth of knowledge and experience to the Thor Wealth Management Group. As an Associate Investment Advisor, Doug assists the Portfolio Manager in the general day to day management of portfolios. Through his successful completion of his Wealth Management Essentials (WME), Doug creates comprehensive plans for our client s complex and individual s needs. In every client relationship, Doug delivers outstanding advice and has developed a close relationship with our clients. Doug believes and delivers in service excellence and is a key part to ensuring the client experiences is the best in class service. After being Ottawa born and raised, Doug and wife Debbie along with their two boys moved to Midland in They love living in Cottage Country and are enjoying all that the Midland area has to offer. Danielle Desjardins Sales Assistant Danielle moved to the Midland area in the summer of In April 2006, she joined the TD Bank Financial Group was selected to join the Thor Wealth Management Group for her exceptional customer service experience with TD Canada Trust. Danielle has completed the Canadian Securities Course, the cornerstone educational requirement in the financial industry, and has been fully licensed since February Danielle's responsibilities as a Sales/Executive Assistant consist of account administrative duties where she delivers outstanding service excellence. Danielle greets all clients with her warm friendly personality and has developed an excellent rapport with clients and is able to effectively assist them with all their administrative needs. Erica Van Overschelde Administrative Assistant Born and raised in Penetanguishene, Ontario- Erica started working with TD Canada Trust in May Through strong dedication to service excellence, Erica was selected to join Thor Wealth Management Group to fulfill Danielle s role while she was on maternity leave. Erica displays exemplary customer service, and continues to ensure each client interaction is legendary. Erica is currently enrolled in the Canadian Securities Certification; the corner stone educational requirement in the industry. Erica is a fitness enthusiast who enjoys spending time volunteering and teaching classes at the local YMCA.

10 Wealth management advice based on you With access to our Wealth Advisory Service team, we have specialists in defined professions to ensure we provide you best in class advice James Craig LL.B., CFP, CLU High Net Worth Planner Your High Net Worth Planner of the Wealth Advisory Services team will work with you and your other professional advisors, when appropriate, to develop comprehensive wealth strategies based on a number of wealth considerations. Among them: creating retirement income streams, estate planning business and insurance considerations, transitioning your business, accessing sophisticated credit solutions, tax planning and philanthropic planning. Laima Alberings BA (Hons), LL.B Will and Estate Planner The Will and Estate Planner of the Wealth Advisory Services team specializes in estate, trust and tax planning to assist you in developing an estate plan that reflects your personal choices for the future, and the legacy you will leave behind. To help manage your responsibilities, we can work with other TD specialists and external subject matter experts to help identify issues and properly structure your estate in a tax effective manner. Jeff Halpern CPA, CA, TEP Business Succession Advisor Your experienced Business Succession Advisor of the Wealth Advisory Services team will work with you and your team of external advisors, including lawyers, accountants and business brokers, to help you maximize your business' value, and create and implement a plan for the smooth transfer of your business down the road.

11 If you are ready to make the most of your time and to have ultimate financial peace of mind, then delegate the day-to-day management of your investments to a professional wealth management group you trust, TD Privately Managed Portfolios and Thor Wealth Management Group could be right for you.

12 Contact Us... Thor Wealth Management Group Michael Thor, CIM, FCSI Vice President, Portfolio Manager TD WEALTH - PRIVATE INVESTMENT ADVICE 295 King Street, 2nd Floor Midland, ON L4R 3M5 Business: (705) Toll Free: (866) Fax: (705) PRIVATELY MANAGED PORTFOLIOS CAPITAL PRESERVATION FINANCIAL PEACE OF MIND Thor Wealth Management Group consists of Michael Thor, Vice President, Portfolio Manager and Investment Advisor, Doug Thorhauge, Associate Investment Advisor, Danielle Desjardins, Sales Assistant and Erica Van Overschelde, Sales Assistant. Thor Wealth Management Group is part of TD Wealth Private Investment Advice. All insurance products and services are offered by life licensed advisors of TD Waterhouse Insurance Services Inc., a member of TD Bank Group. TD Wealth represents the products and services offered by TD Waterhouse Canada Inc. (Member Canadian Investor Protection Fund), TD Wealth Private Banking (offered by The Toronto-Dominion Bank) and TD Wealth Private Trust (offered by The Canada Trust Company). TD Wealth Private Investment Advice is a division of TD Waterhouse Canada Inc., a subsidiary of The Toronto-Dominion Bank. TD Waterhouse Canada Inc. Member of the Canadian Investor Protection Fund. The TD logo and other trade-marks are the property of The Toronto-Dominion Bank