Eligibility

To be eligible for the Offer the Client must:  

1. Be a new client to Matco Financial Inc. (‘Matco’)  
2. Be a legal resident of Canada
3. Be a resident in the provinces of Alberta, British Columbia, Saskatchewan, Manitoba, Ontario, New Brunswick or  Nova Scotia.  
4. Have attained the age of majority in the Canadian province or territory where the Client resides; and  
5. Meet the additional requirements below.  

Offer Rules

For this Offer, the following definitions apply:

First anniversary day – one year from the day of your first funds deposit

Client means a new relationship with Matco. New relationships from referral partners will be excluded from this offer.

Eligible Amount means a transfer or deposit of a minimum $100,000 CAD. Transfer must come from another Canadian financial institution(s). Transfer fees will not be reimbursed.

Enrollment Period means the period commencing on April 1, 2025, and ending on June 30, 2025.

Fees & Charges during the 1^st Year

For the First year after your funds deposit your management fee will be zero.  

There are fees and charges you may incur in respect to the operation of your account(s) which may include service & operational fees (transfer fees, wire fees, foreign exchange conversion costs, de-registration fees).  

You may hold Series O units of the mutual funds managed by Matco in your managed account(s).  These funds charge operating expenses inside each fund. (Please see Fund Prospectus and Fund Fact Sheets for full details)  

Depending on the type of securities or products bought or sold in your investment account, you may incur additional fees or expenses paid to third parties. For portfolios invested in ETFs or 3^rd party mutual funds, the issuers of these funds may have embedded costs and other fees also known as MER (which could include management, brokerage, legal, accounting, or custody fees).

Management Fee - Matco will provide portfolio management services to you on a managed account basis. These activities include but are not limited to the following:

• Ascertain your investment needs and objectives, risk tolerance and financial circumstances

• Discuss and recommend investment opportunities and perform ongoing portfolio reviews

• Perform ongoing portfolio reviews and rebalancing within the terms outlined in your Investment Policy Statement

• Direct communication with you, provide investment statements and performance information

Offer Period means the 1-year period following your transfer in/deposit to Matco.  

Qualifying transfer must meet the following conditions:  

1. The transfer must be at minimum $100,000 in Canadian or US currency, in cash.  For investments over $1million, you are eligible to contribute assets in-kind and in cash.  

2. The full transfer into Matco must be initiated during the Offer Period. Any transfer in or deposit initiated in the account after the Offer Period will not qualify for this Offer; and

3. The transfer must be from another Canadian financial institution(s) or in cash.  

General

The Client accepts all risks associated with participating in this Offer. The Client: (a) fully releases Matco, its entities, employees, directors, and officers (“Releasees”) from any claims, costs, or damages (including legal fees) related to any injury, loss, or damage arising from participation in the Offer or related activities; and (b) agrees to indemnify and protect the Releasees from any losses, damages, or expenses caused by the Client’s negligence or misconduct during participation.

This Offer is subject to all applicable laws and regulations.  

Matco reserves the right to cancel, amend, withdraw or restrict this Offer, in whole or in part, at any time without notice.  

Matco's decisions and interpretations regarding any aspect of this Offer are final and binding on all participants, with no right of appeal.  

Fees & Charges after the 1^st Year

On your first anniversary day, you will be placed in one of our fee plans based on the assets under management in your account(s).

‍Fee Plan for Assets Under Management below $1 Million

Clients with assets under management below $1 million will hold Series F units of the mutual funds managed by Matco in your account(s). Series F Fund Investment Management Fees are paid inside the fund and charged daily. Management Fees payable by the funds are as follows:

Series F Fund Investment Management Fee (<$1M)

Matco Balanced Fund: 1.00%

Matco Canadian Equity Income Fund: 1.00%

Matco Small Cap Fund: 1.25%

Matco Fixed Income Fund: 0.70%

Matco Global Fund: 1.15%

Other fees for units held in Series F (if applicable) -  

• Matco funds expenses (Please see Fund Prospectus and Fund Fact Sheets for full details)    

• Custody, portfolio transaction and trading fees  

• Fees on index or exchange traded investments  

• Matco fees are subject to all applicable sales and other taxes.

You will automatically convert to Series O units when your assets under management exceed $1 million.  

Fee Plan for Assets Under Management above $1 Million

Matco charges an Investment Management fee for the portfolio management services provided. Investment Management Fees are calculated monthly and payable quarterly in arrears. Investment Management Fees are determined by applying the applicable fee rates to market values as at each month end while taking inflows and outflows into consideration. Our fees are subject to all applicable sales and other taxes.

Investment Management Tiered Fee Schedule (>$1M)

1% on the first $2,000,000

0.75% on the next $3,000,000

0.50% on the remaining assets

Other Fees (if applicable) -  

• You may hold Series O units of the mutual funds managed by Matco in your managed account(s).  These funds charge operating expenses inside each fund. (Please see Fund Prospectus and Fund Fact Sheets for full details)    

• Custody, portfolio transaction and trading fees  

• Fees on index or exchange traded investments  

• Family Office Reporting Fees, $20,000.00 minimum annual fee, invoiced quarterly in arrears

• Family Office Reporting Fees: 0.10 of 1.00 on the first $5,000,000 and 0.05 on the remainder  

• Legal and tax fees charged in addition to Family Office fees