Dealer Relationship

• Pedro Diaz Ramos provides mutual fund services as a Mutual Fund Representative with Wealthforce Inc., a member of the Canadian Investment Regulatory Organization (CIRO)

Insurance Business

• Pedro also provides life and health insurance services through approved insurance agencies and conducts separate tax preparation services through Iron Trust Financial.

• Insurance products are offered through approved insurance agencies, including contracted MGAs and insurance providers.

Separate Entities

• Insurance services, tax services, and mutual fund services are provided through different legal entities and are subject to different regulatory requirements.

• Tax preparation services are provided through Iron Trust Financial and are not offered through Wealthforce Inc.

• Wealthforce Inc. is not responsible for insurance or tax services provided outside of its dealer relationship.

Investments Disclosure

• Registered plans may hold a variety of investment products. Mutual fund investments are distributed through Wealthforce Inc.

• Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the Fund Facts before investing. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated.

Complaints

• Clients with concerns regarding mutual fund services may contact Wealthforce Inc. directly.