William D. Packham

Since 1999, the Qtrade Financial Group has provided wealth management services to the retail public as well as the customers of over 180 financial institutions including credit unions, banks, trust companies and financial planning companies across Canada. The company administers approximately $4 billion of investment assets through the following operating subsidiaries: Qtrade Investor. Qtrade Investor is Canada's leading independent online brokerage, providing online brokerage solutions to the retail public as well as the customers of its financial institution partners across Canada. Headquartered in Vancouver, British Columbia, Qtrade Investor is the online brokerage division of Qtrade Securities Inc., a member of the Investment Industry Regulatory Organization of Canada and the Canadian Investor Protection Fund ('CIPF'). CIPF coverage protects the holdings in customer accounts of its members up to $1,000,000 per qualifying account. Qtrade Advisor. Qtrade Advisor provides full-service brokerage solutions to the retail public as well the customers of its financial institution partners across Canada. The company Investment Advisors have the expertise, tools and top-ranked research to create a wealth management strategy that is customized for client, based on their specific goals and financial situation. Headquartered in Vancouver, British Columbia, Qtrade Advisor is the full service brokerage division of Qtrade Securities Inc., a member of the Investment Industry Regulatory Organization of Canada and the Canadian Investor Protection Fund ('CIPF'). CIPF coverage protects the holdings in customer accounts of its members up to $1,000,000 per qualifying account. Qtrade Securities Inc. Qtrade Securities Inc. is a registered securities dealer and a member of the Investment Industry Regulatory Organization of Canada and the Canadian Investor Protection Fund ('CIPF'). Qtrade Asset Management Inc. Qtrade Asset Management Inc. provides full-service mutual fund dealer services to the customers of its financial institution partners across Canada. Headquartered in Vancouver, British Columbia, Qtrade Asset Management is a member of the Mutual Fund Dealers Association of Canada and the Investor Protection Corporation ('IPC'). IPC coverage protects the holdings in customer accounts of its members up to $1,000,000 per qualifying account. Qtrade Insurance Solutions Inc. Qtrade Insurance Solutions is an insurance distributor offering comprehensive insurance solutions through leading insurance carriers for life insurance, living benefits, annuities and segregated funds to the public and clients of its financial institution partners. Qtrade Fund Management Inc. Qtrade Fund Management Inc. provides managed portfolio and mutual fund solutions to the retail public as well as the customers of the company financial institution partners across Canada. The company Managed Portfolio Solutions offer simple all-in-one investment programs designed to meet people's different investment objectives and risk tolerance levels. They are diversified by asset class, geographical region, market cap and investment style to ensure true diversification and are tactically rebalanced by its professional managers in a tax efficient manner to ensure the portfolio matches the investor's investment objectives over time. Qtrade Institutional Services. Qtrade Institutional Services provides comprehensive brokerage and platform solutions for Investment Counselors, Portfolio Managers and other discretionary money managers across Canada. OceanRock Capital Partners Inc. OceanRock Capital Partners Inc. provides portfolio management and individual discretionary money management services to institutions and high-net worth clients across Canada. The Qtrade Financial Group is committed to offering comprehensive, market leading wealth management solutions to both the retail public as well as its financial institution partners across Canada. The company is here to help customer take charge of their financial future.

The Investment Funds Institute of Canada operates as the voice of Canada''s investment funds industry. The company was founded in 1962 and is headquartered in Toronto, Canada.

The Empire Club of Canada operates as a speakers forum. The firm invites speakers to present various perspectives—including those that may not be popular but should be heard. The company was founded in 1903 and is headquartered in Toronto, Canada.

Qtrade Canada, Inc. manages the QFM Funds, a family of open-end mutual funds. The company is headquartered in Vancouver, Canada.

Qtrade Canada, Inc. manages the QFM Funds, a family of open-end mutual funds. The company is headquartered in Vancouver, Canada.

Since 1999, the Qtrade Financial Group has provided wealth management services to the retail public as well as the customers of over 180 financial institutions including credit unions, banks, trust companies and financial planning companies across Canada. The company administers approximately $4 billion of investment assets through the following operating subsidiaries: Qtrade Investor. Qtrade Investor is Canada's leading independent online brokerage, providing online brokerage solutions to the retail public as well as the customers of its financial institution partners across Canada. Headquartered in Vancouver, British Columbia, Qtrade Investor is the online brokerage division of Qtrade Securities Inc., a member of the Investment Industry Regulatory Organization of Canada and the Canadian Investor Protection Fund ('CIPF'). CIPF coverage protects the holdings in customer accounts of its members up to $1,000,000 per qualifying account. Qtrade Advisor. Qtrade Advisor provides full-service brokerage solutions to the retail public as well the customers of its financial institution partners across Canada. The company Investment Advisors have the expertise, tools and top-ranked research to create a wealth management strategy that is customized for client, based on their specific goals and financial situation. Headquartered in Vancouver, British Columbia, Qtrade Advisor is the full service brokerage division of Qtrade Securities Inc., a member of the Investment Industry Regulatory Organization of Canada and the Canadian Investor Protection Fund ('CIPF'). CIPF coverage protects the holdings in customer accounts of its members up to $1,000,000 per qualifying account. Qtrade Securities Inc. Qtrade Securities Inc. is a registered securities dealer and a member of the Investment Industry Regulatory Organization of Canada and the Canadian Investor Protection Fund ('CIPF'). Qtrade Asset Management Inc. Qtrade Asset Management Inc. provides full-service mutual fund dealer services to the customers of its financial institution partners across Canada. Headquartered in Vancouver, British Columbia, Qtrade Asset Management is a member of the Mutual Fund Dealers Association of Canada and the Investor Protection Corporation ('IPC'). IPC coverage protects the holdings in customer accounts of its members up to $1,000,000 per qualifying account. Qtrade Insurance Solutions Inc. Qtrade Insurance Solutions is an insurance distributor offering comprehensive insurance solutions through leading insurance carriers for life insurance, living benefits, annuities and segregated funds to the public and clients of its financial institution partners. Qtrade Fund Management Inc. Qtrade Fund Management Inc. provides managed portfolio and mutual fund solutions to the retail public as well as the customers of the company financial institution partners across Canada. The company Managed Portfolio Solutions offer simple all-in-one investment programs designed to meet people's different investment objectives and risk tolerance levels. They are diversified by asset class, geographical region, market cap and investment style to ensure true diversification and are tactically rebalanced by its professional managers in a tax efficient manner to ensure the portfolio matches the investor's investment objectives over time. Qtrade Institutional Services. Qtrade Institutional Services provides comprehensive brokerage and platform solutions for Investment Counselors, Portfolio Managers and other discretionary money managers across Canada. OceanRock Capital Partners Inc. OceanRock Capital Partners Inc. provides portfolio management and individual discretionary money management services to institutions and high-net worth clients across Canada. The Qtrade Financial Group is committed to offering comprehensive, market leading wealth management solutions to both the retail public as well as its financial institution partners across Canada. The company is here to help customer take charge of their financial future.

The Investment Funds Institute of Canada operates as the voice of Canada''s investment funds industry. The company was founded in 1962 and is headquartered in Toronto, Canada.

The Empire Club of Canada operates as a speakers forum. The firm invites speakers to present various perspectives—including those that may not be popular but should be heard. The company was founded in 1903 and is headquartered in Toronto, Canada.

The Empire Club of Canada operates as a speakers forum. The firm invites speakers to present various perspectives—including those that may not be popular but should be heard. The company was founded in 1903 and is headquartered in Toronto, Canada.

The Empire Club of Canada operates as a speakers forum. The firm invites speakers to present various perspectives—including those that may not be popular but should be heard. The company was founded in 1903 and is headquartered in Toronto, Canada.

The Empire Club of Canada operates as a speakers forum. The firm invites speakers to present various perspectives—including those that may not be popular but should be heard. The company was founded in 1903 and is headquartered in Toronto, Canada.

The Empire Club of Canada operates as a speakers forum. The firm invites speakers to present various perspectives—including those that may not be popular but should be heard. The company was founded in 1903 and is headquartered in Toronto, Canada.

The Empire Club of Canada operates as a speakers forum. The firm invites speakers to present various perspectives—including those that may not be popular but should be heard. The company was founded in 1903 and is headquartered in Toronto, Canada.

The Empire Club of Canada operates as a speakers forum. The firm invites speakers to present various perspectives—including those that may not be popular but should be heard. The company was founded in 1903 and is headquartered in Toronto, Canada.

Qtrade Canada, Inc. manages the QFM Funds, a family of open-end mutual funds. The company is headquartered in Vancouver, Canada.

The Investment Funds Institute of Canada operates as the voice of Canada''s investment funds industry. The company was founded in 1962 and is headquartered in Toronto, Canada.

Qtrade Canada, Inc. manages the QFM Funds, a family of open-end mutual funds. The company is headquartered in Vancouver, Canada.

The Empire Club of Canada operates as a speakers forum. The firm invites speakers to present various perspectives—including those that may not be popular but should be heard. The company was founded in 1903 and is headquartered in Toronto, Canada.

The Empire Club of Canada operates as a speakers forum. The firm invites speakers to present various perspectives—including those that may not be popular but should be heard. The company was founded in 1903 and is headquartered in Toronto, Canada.

The Investment Funds Institute of Canada operates as the voice of Canada''s investment funds industry. The company was founded in 1962 and is headquartered in Toronto, Canada.

The Investment Funds Institute of Canada operates as the voice of Canada''s investment funds industry. The company was founded in 1962 and is headquartered in Toronto, Canada.

The Empire Club of Canada operates as a speakers forum. The firm invites speakers to present various perspectives—including those that may not be popular but should be heard. The company was founded in 1903 and is headquartered in Toronto, Canada.

The Investment Funds Institute of Canada operates as the voice of Canada''s investment funds industry. The company was founded in 1962 and is headquartered in Toronto, Canada.

The Investment Funds Institute of Canada operates as the voice of Canada''s investment funds industry. The company was founded in 1962 and is headquartered in Toronto, Canada.

The Investment Funds Institute of Canada operates as the voice of Canada''s investment funds industry. The company was founded in 1962 and is headquartered in Toronto, Canada.

The Empire Club of Canada operates as a speakers forum. The firm invites speakers to present various perspectives—including those that may not be popular but should be heard. The company was founded in 1903 and is headquartered in Toronto, Canada.

The Investment Funds Institute of Canada operates as the voice of Canada''s investment funds industry. The company was founded in 1962 and is headquartered in Toronto, Canada.

The Investment Funds Institute of Canada operates as the voice of Canada''s investment funds industry. The company was founded in 1962 and is headquartered in Toronto, Canada.

Aviso Wealth, Inc. is one of Canada's largest independent wealth management firms, providing wealth services to hundreds of institutional and retail organizations. The private company is based in Toronto, Canada, and has subsidiaries in Canada. The Canadian company offers a comprehensive suite of wealth solutions, including investment dealer and insurance services, supporting thousands of financial advisors across Canada. Aviso Wealth's award-winning online brokerage, Qtrade Direct Investing™, enables self-directed investors to build their wealth with confidence. The CEO of the company is William D. Packham.

Aviso Wealth, Inc. is one of Canada's largest independent wealth management firms, providing wealth services to hundreds of institutional and retail organizations. The private company is based in Toronto, Canada, and has subsidiaries in Canada. The Canadian company offers a comprehensive suite of wealth solutions, including investment dealer and insurance services, supporting thousands of financial advisors across Canada. Aviso Wealth's award-winning online brokerage, Qtrade Direct Investing™, enables self-directed investors to build their wealth with confidence. The CEO of the company is William D. Packham.

The Investment Funds Institute of Canada operates as the voice of Canada''s investment funds industry. The company was founded in 1962 and is headquartered in Toronto, Canada.

The Investment Funds Institute of Canada operates as the voice of Canada''s investment funds industry. The company was founded in 1962 and is headquartered in Toronto, Canada.

The Investment Funds Institute of Canada operates as the voice of Canada''s investment funds industry. The company was founded in 1962 and is headquartered in Toronto, Canada.

The Investment Funds Institute of Canada operates as the voice of Canada''s investment funds industry. The company was founded in 1962 and is headquartered in Toronto, Canada.

The Investment Funds Institute of Canada operates as the voice of Canada''s investment funds industry. The company was founded in 1962 and is headquartered in Toronto, Canada.

The Empire Club of Canada operates as a speakers forum. The firm invites speakers to present various perspectives—including those that may not be popular but should be heard. The company was founded in 1903 and is headquartered in Toronto, Canada.

The Investment Funds Institute of Canada operates as the voice of Canada''s investment funds industry. The company was founded in 1962 and is headquartered in Toronto, Canada.

The Empire Club of Canada operates as a speakers forum. The firm invites speakers to present various perspectives—including those that may not be popular but should be heard. The company was founded in 1903 and is headquartered in Toronto, Canada.

The Investment Funds Institute of Canada operates as the voice of Canada''s investment funds industry. The company was founded in 1962 and is headquartered in Toronto, Canada.

The Investment Funds Institute of Canada operates as the voice of Canada''s investment funds industry. The company was founded in 1962 and is headquartered in Toronto, Canada.

The Investment Funds Institute of Canada operates as the voice of Canada''s investment funds industry. The company was founded in 1962 and is headquartered in Toronto, Canada.

The Investment Funds Institute of Canada operates as the voice of Canada''s investment funds industry. The company was founded in 1962 and is headquartered in Toronto, Canada.

Since 1999, the Qtrade Financial Group has provided wealth management services to the retail public as well as the customers of over 180 financial institutions including credit unions, banks, trust companies and financial planning companies across Canada. The company administers approximately $4 billion of investment assets through the following operating subsidiaries: Qtrade Investor. Qtrade Investor is Canada's leading independent online brokerage, providing online brokerage solutions to the retail public as well as the customers of its financial institution partners across Canada. Headquartered in Vancouver, British Columbia, Qtrade Investor is the online brokerage division of Qtrade Securities Inc., a member of the Investment Industry Regulatory Organization of Canada and the Canadian Investor Protection Fund ('CIPF'). CIPF coverage protects the holdings in customer accounts of its members up to $1,000,000 per qualifying account. Qtrade Advisor. Qtrade Advisor provides full-service brokerage solutions to the retail public as well the customers of its financial institution partners across Canada. The company Investment Advisors have the expertise, tools and top-ranked research to create a wealth management strategy that is customized for client, based on their specific goals and financial situation. Headquartered in Vancouver, British Columbia, Qtrade Advisor is the full service brokerage division of Qtrade Securities Inc., a member of the Investment Industry Regulatory Organization of Canada and the Canadian Investor Protection Fund ('CIPF'). CIPF coverage protects the holdings in customer accounts of its members up to $1,000,000 per qualifying account. Qtrade Securities Inc. Qtrade Securities Inc. is a registered securities dealer and a member of the Investment Industry Regulatory Organization of Canada and the Canadian Investor Protection Fund ('CIPF'). Qtrade Asset Management Inc. Qtrade Asset Management Inc. provides full-service mutual fund dealer services to the customers of its financial institution partners across Canada. Headquartered in Vancouver, British Columbia, Qtrade Asset Management is a member of the Mutual Fund Dealers Association of Canada and the Investor Protection Corporation ('IPC'). IPC coverage protects the holdings in customer accounts of its members up to $1,000,000 per qualifying account. Qtrade Insurance Solutions Inc. Qtrade Insurance Solutions is an insurance distributor offering comprehensive insurance solutions through leading insurance carriers for life insurance, living benefits, annuities and segregated funds to the public and clients of its financial institution partners. Qtrade Fund Management Inc. Qtrade Fund Management Inc. provides managed portfolio and mutual fund solutions to the retail public as well as the customers of the company financial institution partners across Canada. The company Managed Portfolio Solutions offer simple all-in-one investment programs designed to meet people's different investment objectives and risk tolerance levels. They are diversified by asset class, geographical region, market cap and investment style to ensure true diversification and are tactically rebalanced by its professional managers in a tax efficient manner to ensure the portfolio matches the investor's investment objectives over time. Qtrade Institutional Services. Qtrade Institutional Services provides comprehensive brokerage and platform solutions for Investment Counselors, Portfolio Managers and other discretionary money managers across Canada. OceanRock Capital Partners Inc. OceanRock Capital Partners Inc. provides portfolio management and individual discretionary money management services to institutions and high-net worth clients across Canada. The Qtrade Financial Group is committed to offering comprehensive, market leading wealth management solutions to both the retail public as well as its financial institution partners across Canada. The company is here to help customer take charge of their financial future.

Since 1999, the Qtrade Financial Group has provided wealth management services to the retail public as well as the customers of over 180 financial institutions including credit unions, banks, trust companies and financial planning companies across Canada. The company administers approximately $4 billion of investment assets through the following operating subsidiaries: Qtrade Investor. Qtrade Investor is Canada's leading independent online brokerage, providing online brokerage solutions to the retail public as well as the customers of its financial institution partners across Canada. Headquartered in Vancouver, British Columbia, Qtrade Investor is the online brokerage division of Qtrade Securities Inc., a member of the Investment Industry Regulatory Organization of Canada and the Canadian Investor Protection Fund ('CIPF'). CIPF coverage protects the holdings in customer accounts of its members up to $1,000,000 per qualifying account. Qtrade Advisor. Qtrade Advisor provides full-service brokerage solutions to the retail public as well the customers of its financial institution partners across Canada. The company Investment Advisors have the expertise, tools and top-ranked research to create a wealth management strategy that is customized for client, based on their specific goals and financial situation. Headquartered in Vancouver, British Columbia, Qtrade Advisor is the full service brokerage division of Qtrade Securities Inc., a member of the Investment Industry Regulatory Organization of Canada and the Canadian Investor Protection Fund ('CIPF'). CIPF coverage protects the holdings in customer accounts of its members up to $1,000,000 per qualifying account. Qtrade Securities Inc. Qtrade Securities Inc. is a registered securities dealer and a member of the Investment Industry Regulatory Organization of Canada and the Canadian Investor Protection Fund ('CIPF'). Qtrade Asset Management Inc. Qtrade Asset Management Inc. provides full-service mutual fund dealer services to the customers of its financial institution partners across Canada. Headquartered in Vancouver, British Columbia, Qtrade Asset Management is a member of the Mutual Fund Dealers Association of Canada and the Investor Protection Corporation ('IPC'). IPC coverage protects the holdings in customer accounts of its members up to $1,000,000 per qualifying account. Qtrade Insurance Solutions Inc. Qtrade Insurance Solutions is an insurance distributor offering comprehensive insurance solutions through leading insurance carriers for life insurance, living benefits, annuities and segregated funds to the public and clients of its financial institution partners. Qtrade Fund Management Inc. Qtrade Fund Management Inc. provides managed portfolio and mutual fund solutions to the retail public as well as the customers of the company financial institution partners across Canada. The company Managed Portfolio Solutions offer simple all-in-one investment programs designed to meet people's different investment objectives and risk tolerance levels. They are diversified by asset class, geographical region, market cap and investment style to ensure true diversification and are tactically rebalanced by its professional managers in a tax efficient manner to ensure the portfolio matches the investor's investment objectives over time. Qtrade Institutional Services. Qtrade Institutional Services provides comprehensive brokerage and platform solutions for Investment Counselors, Portfolio Managers and other discretionary money managers across Canada. OceanRock Capital Partners Inc. OceanRock Capital Partners Inc. provides portfolio management and individual discretionary money management services to institutions and high-net worth clients across Canada. The Qtrade Financial Group is committed to offering comprehensive, market leading wealth management solutions to both the retail public as well as its financial institution partners across Canada. The company is here to help customer take charge of their financial future.

The Investment Funds Institute of Canada operates as the voice of Canada''s investment funds industry. The company was founded in 1962 and is headquartered in Toronto, Canada.

The Investment Funds Institute of Canada operates as the voice of Canada''s investment funds industry. The company was founded in 1962 and is headquartered in Toronto, Canada.

The Investment Funds Institute of Canada operates as the voice of Canada''s investment funds industry. The company was founded in 1962 and is headquartered in Toronto, Canada.

The Empire Club of Canada operates as a speakers forum. The firm invites speakers to present various perspectives—including those that may not be popular but should be heard. The company was founded in 1903 and is headquartered in Toronto, Canada.

The Investment Funds Institute of Canada operates as the voice of Canada''s investment funds industry. The company was founded in 1962 and is headquartered in Toronto, Canada.

The Investment Funds Institute of Canada operates as the voice of Canada''s investment funds industry. The company was founded in 1962 and is headquartered in Toronto, Canada.

The Empire Club of Canada operates as a speakers forum. The firm invites speakers to present various perspectives—including those that may not be popular but should be heard. The company was founded in 1903 and is headquartered in Toronto, Canada.

The Investment Funds Institute of Canada operates as the voice of Canada''s investment funds industry. The company was founded in 1962 and is headquartered in Toronto, Canada.

The Investment Funds Institute of Canada operates as the voice of Canada''s investment funds industry. The company was founded in 1962 and is headquartered in Toronto, Canada.

The Empire Club of Canada operates as a speakers forum. The firm invites speakers to present various perspectives—including those that may not be popular but should be heard. The company was founded in 1903 and is headquartered in Toronto, Canada.

The Empire Club of Canada operates as a speakers forum. The firm invites speakers to present various perspectives—including those that may not be popular but should be heard. The company was founded in 1903 and is headquartered in Toronto, Canada.

The Empire Club of Canada operates as a speakers forum. The firm invites speakers to present various perspectives—including those that may not be popular but should be heard. The company was founded in 1903 and is headquartered in Toronto, Canada.

The Empire Club of Canada operates as a speakers forum. The firm invites speakers to present various perspectives—including those that may not be popular but should be heard. The company was founded in 1903 and is headquartered in Toronto, Canada.

The Empire Club of Canada operates as a speakers forum. The firm invites speakers to present various perspectives—including those that may not be popular but should be heard. The company was founded in 1903 and is headquartered in Toronto, Canada.

The Empire Club of Canada operates as a speakers forum. The firm invites speakers to present various perspectives—including those that may not be popular but should be heard. The company was founded in 1903 and is headquartered in Toronto, Canada.

The Empire Club of Canada operates as a speakers forum. The firm invites speakers to present various perspectives—including those that may not be popular but should be heard. The company was founded in 1903 and is headquartered in Toronto, Canada.

The Empire Club of Canada operates as a speakers forum. The firm invites speakers to present various perspectives—including those that may not be popular but should be heard. The company was founded in 1903 and is headquartered in Toronto, Canada.

The Empire Club of Canada operates as a speakers forum. The firm invites speakers to present various perspectives—including those that may not be popular but should be heard. The company was founded in 1903 and is headquartered in Toronto, Canada.

The Empire Club of Canada operates as a speakers forum. The firm invites speakers to present various perspectives—including those that may not be popular but should be heard. The company was founded in 1903 and is headquartered in Toronto, Canada.

The Empire Club of Canada operates as a speakers forum. The firm invites speakers to present various perspectives—including those that may not be popular but should be heard. The company was founded in 1903 and is headquartered in Toronto, Canada.

The Empire Club of Canada operates as a speakers forum. The firm invites speakers to present various perspectives—including those that may not be popular but should be heard. The company was founded in 1903 and is headquartered in Toronto, Canada.

The Empire Club of Canada operates as a speakers forum. The firm invites speakers to present various perspectives—including those that may not be popular but should be heard. The company was founded in 1903 and is headquartered in Toronto, Canada.

The Empire Club of Canada operates as a speakers forum. The firm invites speakers to present various perspectives—including those that may not be popular but should be heard. The company was founded in 1903 and is headquartered in Toronto, Canada.

The Empire Club of Canada operates as a speakers forum. The firm invites speakers to present various perspectives—including those that may not be popular but should be heard. The company was founded in 1903 and is headquartered in Toronto, Canada.

The Empire Club of Canada operates as a speakers forum. The firm invites speakers to present various perspectives—including those that may not be popular but should be heard. The company was founded in 1903 and is headquartered in Toronto, Canada.