Women mean business For Dealer Use Only Not

Women mean business For Dealer Use Only. Not for distribution to the public

Women – The Richer Sex? Earning more • In 2009, 4 in 10 working wives out-earned their husbands. 1 Getting better educated • Women make up 60% of college students and earn more doctorates and master’s degree than men. 2 Making more progress • In 2015, women held 51. 5% of management, professional and related positions. 3 Source: (1)Time Magazine, Women Money and Power, by Lisa Mundy, March 26, 2012. (2) Ibid. (3) Bureau of Labor Statistics Current Population Survey. Household Data Annual Averages 2015 (2016). For Dealer Use Only. Not for distribution to the public 1

Women breadwinners on the rise 100% 91. 5% 90% Proportion of couple 80% 68. 6% 70% Husband higher earnings 60% Wife higher earnings 50% 40% 31. 4% 20% 10% 8. 5% 0% 1976 1979 1982 1985 1988 1991 1994 1997 2000 2003 2006 2009 Source: Statistics Canada 2010 CANSIM 202 -0105 For Dealer Use Only. Not for distribution to the public 2

Sizing up the opportunity in Canada Making dramatic improvements • Women accounted for over 50% of adults with an university degree. 1 Taking more leadership roles • Number of women in the highest paid positions doubled since 2006 from 4. 6% to 8. 5%. 2 Gaining control of assets • 90% of women will be the sole financial decision makers at some point in their lives. 3 Standing to inherit more • Retirement assets are projected to grow to $2. 6 trillion by 2022 — women expected to control most of this wealth. 4 Source: (1) Education in Canada Attainment, Field of Study and Location of Study, National Household Survey, 2011; (2) Rosenzweig & Co. Annual Report 2015. (3) Jacqueline Nelson, Globe and Mail, Report on Business The Changing Face of Wealth, August 9, 2014. (4) Investor Economics For Dealer Use Only. Not for distribution to the public 3

But …. Women are not satisfied Investments 47% Cars 47% Banking 46% Life Insurance 44% Physicians 41% Car Insurance 39% Work Clothes 37% Hospitals 36% Personal Computers 34% Lodging 33% % dissatisfied Of 58 categories tested, Women ranked INVESTMENTS worst in satisfaction ratings Source: Boston Consulting Group: Women Want More, March 2010 For Dealer Use Only. Not for distribution to the public 4

What do women look for in an advisor? Trust 18. 2% Understanding of my financial needs 15. 9% Company they work for 14. 1% Referral from a trusted source 11. 3% Reputation for quality service 11. 2% Independent & objective when making recommendations 9. 9% Their philosophy or approach to advice 9. 5% The way they are compensated Their gender 6. 1% 3. 7% % of importance Source: Franklin Templeton Investments, Advisor’s Report Survey, August 2010 For Dealer Use Only. Not for distribution to the public 5

So what can you do?

#1 Seek to understand An understanding of a woman’s situation is the single most important factor that women look for regarding an advisor’s approach to investing – by a large margin. Clarify your understanding of your clients’ goals and concerns. Give your clients conversational room to finish their point. Seek understanding of your clients investment knowledge Source: Franklin Templeton Investments, Advisor’s Edge Report Survey, August 2010 For Dealer Use Only. Not for distribution to the public 7

#3 Make it social and convenient Women tend to talk about their experiences. Women trust other women’s opinions. Use social media to give women another way to access timely content quickly, on her time. For Dealer Use Only. Not for distribution to the public 8

#2 Boost her knowledge and confidence Women who have increased their financial knowledge are willing to take on more risk. Stories and case studies are powerful learning aids for women. 1 Women tend to be more interested in attaining goals than beating benchmarks. 2 (1) Don’t think Pink, Lisa Johnson and Andrea Learned (2) Investor Economics For Dealer Use Only. Not for distribution to the public 9

#4 Get ahead of money-in-motion events Don’t assume assets will automatically follow you. Connect with couples. Keep both spouses abreast of their financial plans. Get to know the children, and spouse from new marriage. For Dealer Use Only. Not for distribution to the public 10

Summary • Women are gaining and controlling more of the household wealth • Women clients can be your best advocate • To prospect and retain women clients, advisors should understand their unique needs • We have the expertise and turnkey tools to help you deliver first class investment experience to your women clients For Dealer Use Only. Not for distribution to the public 11

Own Your Future Turnkey Program for Advisors Made easy to help you prospect and service this market • Client seminar kit complete with presentation, speakers notes, invitations, and client kit • Case studies featuring ‘real-life stories’ that women can relate to and show the power of working with an advisor • Practical tools women can start using right away to take control of their financial well-being For Dealer Use Only. Not for distribution to the public 12

Next Steps… • Contact us to learn more about our turn-key support tools and our investor seminar: Own Your Future For Dealer Use Only. Not for distribution to the public 13