Regulatory Disclosures

1. Regulatory Registration

Avantis Solution Financière Inc. operates in the province of Quebec and is subject to regulation by the Autorité des marchés financiers (AMF).

• Firm name: Avantis Solution Financière Inc.
• AMF registration number: [Your AMF Registration Number]
• Category of registration: [e.g., Financial Security Advisor / Mutual Fund Dealer Representative — update to reflect your actual registration]
• Province of registration: Quebec, Canada

2. Relationship with Sun Life of Canada

Avantis Solution Financière Inc. operates within the distribution network of Sun Life Assurance Company of Canada. This relationship means:

• We are authorized to distribute insurance and investment products offered by Sun Life of Canada
• We may receive compensation (commissions, bonuses, or other remuneration) from Sun Life in connection with products we place on your behalf
• While we operate within the Sun Life network, our advisors act in your best interest and are not restricted to recommending only Sun Life products where alternatives may better serve your needs

3. Titles and Designations

The titles and professional designations used by our advisors reflect their specific qualifications and registrations. The following designations are used only by advisors who hold the corresponding qualification:

• Financial Security Advisor (Conseiller en sécurité financière): authorized by the AMF to distribute life and health insurance products
• Financial Planner (Planificateur financier / Pl. Fin.): this title is a protected title in Quebec, used only by holders of the Pl. Fin. designation issued by the Institut québécois de planification financière (IQPF)
• Mutual Fund Representative: authorized to distribute mutual funds and investment products

We do not use any professional title that implies qualifications or registrations we do not hold. If you have any questions about a specific advisor's qualifications, please contact us directly.

4. Compensation Disclosure

We are committed to transparency about how we are compensated. Our advisors may receive compensation through the following means:

• Commissions: paid by insurance companies or investment product manufacturers when products are placed on your behalf
• Trailer fees / service fees: ongoing compensation related to investment products held in your account
• Bonuses and incentives: from product manufacturers based on business volume, which may create a conflict of interest (see Section 5)
• Fee-for-service: in certain cases, we may charge fees directly for financial planning services

Specific compensation information related to products recommended to you will be disclosed at the point of sale, in accordance with AMF requirements.

5. Conflicts of Interest

We are committed to identifying, disclosing and managing conflicts of interest in your best interest. Potential conflicts of interest include:

• Product compensation: we may receive different levels of compensation for different products, which could influence recommendations — we manage this by always recommending products suited to your needs first
• Volume incentives: some product manufacturers offer bonuses based on sales volume, which we disclose to you when relevant
• Related party transactions: we will disclose any situation where a recommended product benefits a related party

When a conflict of interest arises, we will inform you and obtain your consent before proceeding. Our advisors are required to prioritize your interests above their own compensation at all times.

6. Know Your Client (KYC) and Suitability

Before making any recommendations, our advisors collect information about your financial situation, investment objectives, risk tolerance, and time horizon. This information is used to ensure that all recommendations are suitable for your specific circumstances. We are required by law to keep this information current and to update it whenever your circumstances change significantly.

7. Complaint Process

If you have a complaint about the services or products we have provided, please follow this process:

1. Contact us directly: reach out to your advisor or our office at info@avantisfs.ca — we will acknowledge your complaint within 5 business days
2. Formal complaint: if your concern is not resolved to your satisfaction, you may escalate to our compliance department in writing
3. Regulatory complaint: if your complaint remains unresolved, you have the right to contact the AMF directly at lautorite.qc.ca or 1-877-525-0337
4. Sun Life complaints: for complaints specifically related to Sun Life products, you may also contact Sun Life of Canada directly

8. Investment Product Disclosures

For segregated fund products offered through Sun Life of Canada:

• Segregated funds are subject to the terms of the variable annuity contract
• Unlike mutual funds, segregated funds offer maturity and death benefit guarantees on deposited capital (typically 75% or 100%)
• Commissions, management fees, and charges may be associated with these investments
• Please read the Information Folder and Contract before investing

9. Contact Information