Let’s talk about how you want to grow Qtrade Financial Group—your financial services partner of choice

There is no better time to expand or pursue new opportunities in the financial services

space. Scan the investment, wealth management and insurance industries,

and you see firms adapting to deliver better advice, more product choice, and easier

access to technology-enabled information and services.

Many of those firms have chosen to partner with Qtrade Financial Group. We help

them diversify and grow revenue streams, and control costs, in order to achieve

better financial results.

If you are committed to delivering a more complete offering, improving performance

throughout the value chain, deepening client relationships, and maximizing the opportunity

of each interaction, talk to us first.

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While each of Qtrade’s business areas is competitive in its own right, they are tightly aligned and integrated. This gives Qtrade Financial Group the scope to provide flexible, scalable solutions that meet our partners’ current and future requirements.

Across Qtrade’s financial services solutions, the consistent elements are robust technology, well-designed tools and processes, deep industry expertise, and a service-oriented culture that is dedicated to our partners’ success.

Those strengths make Qtrade Financial Group the partner of choice for independent financial institutions as well as firms in other sectors.

About Qtrade Financial GroupYou may be familiar with Qtrade Investor, one of Canada’s top-ranked online brokerages. Since its launch in 1999, Qtrade Investor has won numerous industry awards and earned a reputation for ease of use, continuous innovation, and responsive client service.

Over the past decade, while maintaining leadership in online brokerage, Qtrade Financial Group has grown to encompass a much broader suite of solutions that includes wealth management services, asset management, correspondent services, custody, and insurance.

Qtrade Financial Group

Online brokerage

Wealth management

Asset management

Correspondent / Institutional

Insurance

The solutions you need to prosperQtrade can help your firm execute a strategy that builds on your strengths, while leveraging the resources of a trusted partner. Our solutions are broad, deep and modular. You can select one or more components, or choose an integrated end-to-end solution. The result will be an offering and client experience that is competitive with any of Canada’s leading financial institutions.

Qtrade Financial Group is the financial services partner of choice for nearly

150 leading institutions across Canada, including credit unions, regional banks,

portfolio managers, investment dealers, and insurers.

Online brokerage

Provide your self-directed investors with a highly competitive platform.

▪ Consistently ranked among Canada’s top online brokerages

▪ Protect member/client relationships

▪ Co-branded, white-label or affinity partnership models

With award-winning Qtrade Investor, you can expand your value proposition and build relationships with a growing segment of tech-savvy investors. Clients get low commissions and outstanding service, along with sophisticated research, tools and resources—all within a reliable, user-friendly, mobile-ready online experience.

Described as “the good-at-everything” broker in The Globe and Mail, Qtrade Investor has consistently been rated among Canada’s best online brokers by independent reviewers, including The Globe and Mail, Morningstar®, Surviscor and MoneySense.

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Asset management

Confidently recommend a broad range of investment solutions.

OceanRock Investments Inc. is one of Canada’s fastest-growing investment management organizations, overseeing close to $1.5 billion on behalf of investors.

▪ Comprehensive line-up of managed portfolios and individual investment funds to fulfil investors’ long-term objectives

▪ Disciplined approach for consistent, risk-controlled performance

▪ Multi-layer diversification across asset classes, geography, and sectors

Responsible investments: With Meritas SRI Funds, investors Do well, doing good™.They get competitive returns while making a positive impact on companies, communities and the environment.

World-class investment management: OceanRock selects the best independent investment managers, with specialized expertise in specific asset classes, industry sectors and economic regions.

Correspondent / Institutional

Build on a solid foundation with custodial, trade execution and carrying broker services.

▪ Account management dedicated to helping your business succeed

▪ Leading-edge technology and platforms, which can be tailored to reflect your brand and existing business processes

▪ Secure web-enabled technology services and platforms that can be integrated into your existing enterprise infrastructure

▪ Investment vehicles and trade execution in all major asset classes

▪ Flexible fee schedules suited to your unique business model

▪ Detailed reporting packages to help you manage your business

Qtrade provides comprehensive services with the flexibility to help you build your business the way you want. Whether you’re an independent portfolio manager or a national insurance company, we provide comprehensive services and tools that enable you to compete with larger integrated firms.

Insurance

Grow your revenue stream by expanding into the insurance space.

There are great opportunities in serving your clients’ personal insurance needs—such as life and living benefits—along with the needs of business owners and entrepreneurs.

We can help make life insurance a natural extension of your business in a way that’s easier than you might expect, with advisor training, advanced case management, marketing material, centralized commissions and reporting, compliance support, and more.

With Qtrade, you have access to competitive products from all the leading insurance carriers.

▪ Life insurance

▪ Living benefits

▪ Segregated funds

▪ Annuity products

▪ Group benefits / Group retirement

Wealth management

Grow your wealth management business with industry-leading products, platforms and tools.

Take advantage of our expertise in sales processes, product development, training, compliance, and technology.

Implement the Personal Investment Plan, a robust and intuitive financial planning tool. It’s the foundation of a consistent advisory process and an outstanding client experience.

Fee-based is increasingly the standard approach in advisory practices. With our industry-leading Clarity programs, you can compete in that space and grow recurring revenues.

Qtrade can get you up and running quickly, with a partnership model that delivers exactly what your organization needs to drive its wealth management business.

▪ Accelerate asset consolidation

▪ Increase fee-based assets

▪ Focus on advice, and deepen member/client relationships

▪ Improve efficiency and profitability

Qtrade Financial Group 9

Choose the right partnerMany successful organizations determine that partnership is the best way to pursue specific opportunities in the financial services space.

But which partner? You can manage an array of vendors, each focused on fulfilling a particular function. Or, you can choose a single partner with comprehensive capabilities, deep expertise, and an experienced leadership team.

Qtrade Financial Group is a proven B2B provider with a long tenure in the business—a “one-stop” partner that is uniquely qualified to meet all your needs.

When you collaborate with Qtrade, you can add market-leading platforms and services, along with robust, state-of-the-art technology. And you can rely on outstanding service and support.

Qtrade focuses on the factors that are critical to your success. We are committed to helping your business achieve sustainable prosperity, and to building a long-term relationship based on trust and integrity.

That’s the power of partnering with Qtrade.

The right partner is one that supports you, and doesn’t compete with you. Qtrade

responds to your unique needs, focusing on the factors that are critical to your

success. We execute with experienced leaders, robust technology and a culture

of service and integrity.

10 Qtrade Financial Group

Qtrade has been a key strategic partner since we launched ATB Investor Services in 2001 to fill a critical piece of our wealth management offering. What sets Qtrade apart is their focus on understanding what is important to their clients—they keep the focus on the client experience in everything they do. As a partner, we appreciate the collaboration and support. And they provide our end clients with state-of-the-art tools and world-class customer support. Qtrade has been an important part of our long-term success.

– Chris Turchansky, President, ATB Investor Services

We chose Qtrade as our custodian in 2009, after an extensive search, on the basis of pricing, service and systems. Compared to other options, Qtrade was more flexible in designing a fee structure to fit our business, which allowed us to keep our clients’ costs under control. Qtrade’s dedicated support team provides excellent client services that match our hours of business. And we wanted a custodian on Dataphile’s platform. Overall we are very happy with the relationship.

– Cecil Baldry-White, CEO, Alitis Investment Counsel

PPI’s decision to team up with Qtrade Investor to offer its online brokerage services to our insurance advisors and their clients was based on our conclusion that Qtrade has the best offering of its kind in Canada. The team at Qtrade is excellent to work with, both in terms of the administrative set up and the ongoing marketing support. We are looking forward to continuing to grow this side of our business.

– Jim Virtue, President and CEO, PPI Solutions

Success stories We entered the new Integrated Partnership with Qtrade to accelerate our wealth management business. The collaboration with Qtrade has allowed us to transform our wealth management business on a scale and pace that we would not have been able to do on our own. The implementation to date has been well received in our branches and staff are positive about the training and tools they have received to enable them to engage members in investment conversations.

– Paul Kelly, President and CEO, First Connect Credit Union

We wanted to reinvent our wealth management business and develop it as a centre of excellence within First West. After thoroughly reviewing several options we decided that Qtrade’s new Integrated Partnership model would be the best way for us to build on the success we have had, through collaboration with a long-trusted partner. Implementing this model will support our broader strategy, drive business results and help us grow the First West organization more quickly.

– Launi Skinner, CEO, First West Credit Union

Qtrade has been a key wealth management partner since late 2009. Qtrade provides us with useful tools and leading industry experience and expertise to support our wealth management strategies and goals. With our added focus in wealth management we have seen our assets under management grow by 63% in the last 36 months. Most recently we partnered with Qtrade to guide us into the new area of offering insurance solutions to our members.

– Brent Zorgdrager, CEO, Mennonite Savings and Credit Union

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Qtrade Financial Group: your financial services partner As a Qtrade partner, you benefit from industry-leading expertise, state-of-the-art technology, financial strength, and years of experience helping leading organizations like yours to thrive and prosper.

PerformanceExpertise in helping partners build successful sales teams to attract and retain clients, and grow assets and revenue. Outstanding tools and support, along with comprehensive data to measure results and drive critical business decisions.

PeopleCustomer-focused, knowledgeable people who care about helping your business succeed. Industry professionals with expertise in investment management, technology, sales, marketing, training, and more.

TechnologyAn award-winning innovator that is continually investing in infrastructure to power your business.

Risk managementProven processes. A consultative, principles-based approach to regulation and compliance integrity. A forward view on emerging threats and opportunities.

StrengthA partner to nearly 150 financial institutions across Canada. Backed by Desjardins Group, Canada’s largest and the world’s fifth largest cooperative financial group, with over $250 billion in assets.

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We’re ready to help

Implement proven strategies.

Broaden your revenue streams.

Improve time to market.

Build a more productive advisory team.

Create more value for clients, employees and partners.

Control administrative costs.

Provide the right technology.

Manage risk.

Let’s talkWe invite you to continue the conversation with us.

Qtrade Financial GroupVancouver

Suite 1920, One Bentall Centre 505 Burrard Street, Box 85

Vancouver, BC V7X 1M6

Toronto165 Attwell Drive

Toronto, ON M9W 5Y5

qtrade.ca

™ “Do well, doing good” is a trademark of Qtrade Canada Inc. Qtrade Investor, Qtrade Advisor, Qtrade Institutional Services and Qtrade Correspondent Services are all divisions of Qtrade Securities Inc., member of the Canadian Investor Protection Fund. Qtrade Asset Management Inc., Member MFDA. OceanRock Investments Inc. is the trustee, manager, portfolio adviser and promoter of the Meritas SRI Funds and the OceanRock Mutual Funds. Qtrade Insurance Solutions Inc. is a licensed life insurance agency.