Jordan's Promise

This Letter of Engagement sets forth terms upon which you engage myself, Jordan Gadula, of Jordan Gadula Financial Planning, under the expressed, of North America Insurance Depot Ltd. and Hub Financial, as your Financial Security Advisor.

Thank you for giving me the opportunity to meet with you to discuss your Insurance needs and Investment Portfolio. This engagement letter outlines the specific terms of the financial planning that will be carried out between:

My Commitment to protecting your privacy: I comply with the federal Personal Information and Electronic Documents Act ( PIPEDA) and applicable provincial privacy laws. I maintain the highest standards of confidentiality to ensure the protection of your personal information. I also adhere to the Canadian Anti-Spam Legislation and Regulations (CASL) and will only communicate electronically with your consent.

Accountability: I am responsible for the PI that I receive from you. I will safeguard that information in whatever form it is held.

How I Collect, Use, Share, Disclose and Retain your Information: I collect all personal, corporate, financial and related information with your consent and use and retain it solely for the purposes of providing advice and to ensure that any products or services you purchase through me are provided quickly and correctly. I confidentially convey you PI to insurers through wholesale organizations known as Managing General Agencies (MGA's), which are contracted to provide administrative services to them. I only collect and keep information that helps me formulate advice, including personal, financial and health information. With form, consent, I may share this information with others to get you help in areas outside my areas of expertise. I am required to retain much of the information I collect for regulatory reasons including demonstrating that the recommendationsI make are suitable and address your identified needs.

Consent: I use your PI to identify products, concepts and services to address needs you have advisor, or we have uncovered.

By Signing this your you agree: -to provide accurate information throughout our business relationship as your circumstances change -to allow me to use, share and disclose this information on an as-needed basis with suppliers, associates and wholesale organizations, which may retain info on file for future -to allow me to retain your PI, including health information from applications, in my records for as long as I am your advisor Or I have a business regulatory need to retain the information -to the assignment of your file, including your PI, to another agent and or MGA, to continue to service your needs, in the event that I become incapacitated, die or retire. However, you will have the right to choose your own agent at that time should you not agree to the assignment.

Accuracy of Information: In order to make appropriate recommendations, I must receive accurate information. You may review the PI I retained about you upon request. I will attempt to update the PI I hold in my records to determine whether the recommendations I made are still appropriate in light of changes in your circumstances. I also rely on you to provide regular updates to me. What I will not do with your Information, I do not sell you PI to anyone nor do I share you PI with organizations outside of my relationship with you that would use it to contact you about their own products or services.

I strive to protect your PI: All employees, associated advisors, wholesale organizations and suppliers that are granted access to client records are required by law and regulations to keep this information protected and confidential and to use the information only for the purposes identified. Information that is no longer required for the intended original purpose will be destroyed. I've also established physical and system safeguards, along with proper processes, to protect client info from unauthorized access and use.

Your Privacy Choices: You may withdraw your consent at any time ( subject to legal or contractual obligations and on providing me with reasonable notice) by contacting me . Withdrawing your consent may prevent me from providing you with the requested products and services and may end our business relationship. I may occasionally use your PI to advise you of products or services that many interest you or fit your personal circumstances. If you would rather not receive this type of communication, please advise me anytime.

Your right to complain: You have the right to complain confidentially to me, to the insurer and to the privacy commissioner of Canada if need be.

Personal Information Consent: Until advised, otherwise, you have my consent to collect, use, share, disclose and retain my PI as described above.

Compliance with Canadian Anti-Spam Law and its regulations (CASL) I consent to receiving electronic communications from the advisor about my insurance needs, coverage and information about products and services that might benefit me. I understand that I may withdraw my consent at any time.

With regard to the services listed below, if you supply the requested and necessary information I will: Perform Detailed Data Gathering ,relying primarily upon your data- the more information supplied the more accurate and comprehensive the advice will be 2.Discuss with you, your financial goals and concerns in order to determine the financial objectives to be planned for 3.Evaluate your current situation in light of stated objectives 4.Present, with analysis, alternative strategies that will help to achieve financial goals 5.Recommend a specific course of action designed to optimize your situation 6.Provide a written report stating the reasons why we chose certain products or strategies

Financial Needs Analysis: We will complete a financial needs analysis to establish your current financial position and any primary insurance and investment needs

Investment Planning: I will consider your investment portfolio in light of such considerations as your goals, expected volatility and returns, taxation, diversification, implementation costs, management and types of securities. I will explain these various issue and recommend and investment strategy that is suitable for you.

Risk Management: I will consider risk exposures regarding disability, death and the need for long- term custodial care

Estate Planning: I will review your financial goals for the disposition of your estate with primary emphasis being on strategies to attain those goals while minimizing the costs and practical complexities of settling an estate.

Business Planning: I will work with you to advance the attainment of your business goals in the areas of succession planning and employee benefits

Periodic Review: Every 12 months, I recommend and therefore will offer to conduct a review meeting with you to assess your plan in light of your current situation as well as steps that have been taken to implement the plan. If you do not wish to meet I will require this in writing.

Service Guarantee: You retain the right for any reason, to terminate my services and this Letter of Engagement at any stage upon written notice, subject to the following:

-if termination is because of dissatisfaction with our services, then, further to a written notice which includes a statement of the reasons for your dissatisfaction, no fee from myself shall be due and the faire market value will be fully and promptly returned

Future Service: The services contracted for herein apply to your financial security situation at the time of the Letter of Engagement. Periodic reviews are not included in this engagement beyond that which is provided for above.

Implementation: After the presentation of the plan, I will be please to discuss with you an ongoing relationship regarding the implementation of the plan. You are under no obligation to follow any recommendation made by me however, you understand that recommendations made may be integrated and interdependent. Carrying out a recommendation in isolation may not meet with your objectives and should be discussed with myself in advance.

Legal and Tax Advice: You expressly understand and agree that I am not qualified to render any legal advice or to prepare and legal documents and that this Letter of Engagement does not provide for such services. Similarly, you agree to rely on your tax attorney or accountant for tax advice or tax preparation.

Miscellaneous: Advice given will be based on economic and personal circumstances at the time the services were rendered. You understand that neither I nor any of my employees can guarantee the result of any recommendation.

This Letter of Engagement shale be applicable only to financial security advice contained in the written financial needs analysis prepared for you. Services similar to those described in this letter of Engagement may be available from other sources at a lesser cost.

The validity of this LOE shall be governed by the laws of Ontario. This LOE embodies all understandings and agreements between you and I. No assignment of this LOE shall be made by either party without the other's express written consent. If the scope of terms of the financial security planning engagement change, they should be documented in writing and mutually agreed upon by all parties to the engagement. If this letter correctly states the entire agreement between us please sign below and a copy will be emailed or mailed to you within 30 days of any settled business.

Jordan Gadula Financial Planning