1. How would you classify your familys overall financial situation? No savings and significant debt. No savings and some debt. No savings and little to no debt. Some savings and significant debt. Some savings and some debt. Some savings and little to no debt. Strong savings and significant. Strong savings and some debt. Strong savings and little to no debt.

2. What is your current net worth? Liquid assets (available for emergencies) $ + Invested assets (not earmarked for emergencies) $ + Fixed assets (such as real estate property) $ - Mortgage debt $ - Consumer debt (such as credit cards, loans, lines of credit) $ = Estimated Net Worth $ 3. What is your gross monthly family income? $

4. How much is your cash surplus / deficit at the end of each month? $ 5. What, if any, changes are you expecting to your cash flow during the next one to three years? 6. How would you describe your understanding about investing? Limited: Im confused about how investments work. Average: I understand the difference between the expected risk and return relationship of different investments, including GICs, bonds and stocks. Sophisticated: I understand how domestic and foreign capital markets work, including how different assets respond to changing economic variables.

7. What net rate of return do you expect to earn on your investment portfolio?

8. Do you know how much risk you need to take in your investments to meet your goals? Yes, I need %. No, I do not know.

Willingness to Take on Risk

9. What is the primary purpose for your portfolio? Safety I do not want to risk losing any portion of my money. 0 points Inflation protection I want the value of my money to maintain pace with rising costs. 2 points Income I want to draw an income from my portfolio. 4 points Growth I want to grow my money. 6 points

10. What type of portfolio would you like to own? One that mostly contains mostly term deposits, guaranteed investment certificates, principal protected notes and market linked guaranteed investment certificates. 0 points One that contains mostly fixed income securities, such as bonds fixed income mutual funds or fixed income exchange-traded funds. 2 points One that contains mostly equity mutual funds or exchange- traded funds. 4 points One that contains mostly stocks from individual companies. 6 points

11. Which of the following portfolios are you most likely to invest in? Portfolio A: Worst return in one year = 0% Best return in one year = +3% 0 points Portfolio B: Worst return in one year = -6% Best return in one year = +8% 2 points Portfolio C: Worst return in one year = -15% Best return in one year = +12% 4 points Portfolio D: Worst return in one year = -25% Best return in one year = +15% 6 points

12. Which of the following portfolios would you be likely to invest in over the long-term? Portfolio A Does not fluctuate in value and earns a minimal rate of return on average. 0 points Portfolio B - Fluctuates in value by small amounts and has the potential to earn a low rate of return on average. 2 points Portfolio C Fluctuates in value by medium amounts and has the potential to earn a medium rate of return on average. 4 points Portfolio D Fluctuates in value by significant amounts and has the potential to earn a significant rate of return on average. 6 points

13. How long would you be willing to wait for your investments to regain any lost value? Less than three months. 0 points Three to six months. 2 points Six months to one year. 4 points One to two years. 6 points

14. For retirement investments only, which would you consider a bigger risk? Failing to retire when you plan. Running out of money during retirement.

Ability to Take on Risk

15. How long will you continue to remain invested before you will begin withdrawing a significant portion of your money from your investment portfolio? Less than three years 0 points Between three and five years 2 points Between 6 and 10 years 4 points Over 10 years 6 points

16. After reaching your goal, over how many years do you plan to make withdrawals from your investment portfolio? Less than three years 0 points Between three and five years 2 points Between 6 and 10 years 4 points Over 10 years 6 points

17. How long are you willing to postpone meeting your goal, if needed? Less than one year. 0 points One to three years. 2 points Three to five years. 4 points Over five years. 6 points

Total Point Calculation

Willingness to Take on Risk + Ability to Take on Risk = Total

Total Number of Points Portfolio Recommended Asset Allocation 0 15 Safety 100% Cash 0% Fixed Income 0% Canadian Equities 0% U.S. Equities 0% Foreign Developed Equities 0% Foreign Emerging Equities 16 23 Conservative 50% Cash 40% Fixed Income 5% Canadian Equities 5% U.S. Equities 0% Foreign Developed Equities 0% Foreign Emerging Equities

24 31 Balanced 0% Cash 50% Fixed Income 20% Canadian Equities 20% U.S. Equities 10% Foreign Developed Equities 0% Foreign Emerging Equities 32 39 Balanced Growth 6.00% 0% Cash 40% Fixed Income 20% Canadian Equities 20% U.S. Equities 20% Foreign Developed Equities 0% Foreign Emerging Equities 40 48 Growth 0% Cash 20% Fixed Income 25% Canadian Equities 25% U.S. Equities 20% Foreign Developed Equities 10% Foreign Emerging Equities