Disclosure notice

EMMA FINANCIAL SERVICES INC. AND KALEIDO GROWTH INC.

As a duly authorized customer or prospect referred under a referral agreement, I understand and acknowledge each of the following statements:

  1. Emma Financial Services Inc. and Kaleido Growth Inc. have entered into a referral agreement whereby Emma Financial Services Inc. will
    promote Kaleido Growth Inc.’s products and refer clients interested in registered education savings plans to Kaleido Growth Inc. in return
    for a referral fee.
  2. Under this referral agreement, the parties do not exceed the limits of the following categories of registration in which they are
    respectively registered with the regulatory authorities that govern them.
  3. I understand that the parties are two unrelated companies and that the party referring me has no responsibility for the advice
    given and representations made by the party to whom it refers me.
    Emma Financial Services Inc.
    Life and health insurance firm and financial planning firm
    Kaleido Growth Inc.
    Scholarship plan broker and investment fund manager
  4. Emma Financial Services Inc. is a personal insurance and financial planning firm. It cannot distribute scholarship plans, unlike
    Kaleido Growth Inc.
  5. Kaleido Growth Inc. is a scholarship plan broker and investment fund manager. It cannot sell or offer personal insurance
    products, unlike Emma Financial Services Inc.
  6. I understand that other representatives or registrants may provide comparable products that may meet my needs.
  7. A referral fee will be paid by Kaleido Growth Inc. to Emma Financial Services Inc. if I agree to be contacted by Kaleido Growth
    Inc. for more information on registered education savings plans AND if I enter into a contract with Kaleido Growth Inc.
  8. This referral fee will be set at $50 per customer referred to Kaleido Growth Inc. AND having entered into a contract with the
    latter.
  9. Although the referral agreement creates a potential conflict of interest since each party has a financial interest in it, the referring party
    respects its ethical and legal obligations, notably by putting my interests ahead of its own financial interest.

I acknowledge that I have read this disclosure notice and understand its contents. I would like additional information on the
Registered Education Savings Plans (RESPs) offered by Kaleido Growth Inc. and the government grants available to me. I
therefore agree to be contacted by a representative.

This document must be forwarded to Kaleido Growth Inc. in accordance with the Referral and Referral Agreement Policy.