WEALTH MANAGEMENT SOLUTIONS

Commissions, trailing commissions, management fees and expenses may be associated with mutual fund investments. Please read the prospectus before investing. The indicated rates of return are the historical annual compounded total returns including changes in unit value and reinvestment of all distributions and do not take into account sales, redemption, distribution or optional charges or income taxes payable by any security holder that would have reduced returns. Mutual funds are not guaranteed or insured by the Canada Deposit Insurance Corporation or any other government deposit insurer, their values change frequently and past performance may not be repeated. There can be no assurances that a fund will be able to maintain its net asset value per security at a constant amount or that the full amount of your investment in the fund will be returned to you. All securities including mutual funds present a risk of loss of capital.

¹ A fund's expenses are made up of the management fee (including the trailing commission), operating expenses, trading costs, and fixed administration fee. The annual management fee is 0.80% of each Tangerine Core Portfolio, 0.50% of each Tangerine Global ETF Portfolio, and 0.55% of each Tangerine Socially Responsible Global Portfolio. The fixed administration fee is the same for all Tangerine Investment Funds and is 0.15% of each Portfolio’s value.

Diversification does not guarantee a profit or eliminate the risk of loss.

The information provided is not intended to be investment advice. Investors should consult their own professional advisor for specific investment and/or tax advice tailored to their needs when planning to implement an investment strategy to ensure that individual circumstances are considered properly and action is taken based on the latest available information.

Tangerine is a registered trademark of The Bank of Nova Scotia, used under licence. Tangerine Investment Funds are managed by 1832 Asset Management L.P. Tangerine Investment Funds Limited is the principal distributor of Tangerine Investment Funds. Tangerine Investment Funds Limited and 1832 Asset Management L.P. are wholly owned subsidiaries of The Bank of Nova Scotia.

Tangerine Wealth is a business name used by Tangerine Investment Funds Limited.

² FundGrade A+^® is used with permission from Fundata Canada Inc., all rights reserved. The annual FundGrade A+^® Awards are presented by Fundata Canada Inc. to recognize the “best of the best” among Canadian investment funds. The FundGrade A+^® calculation is supplemental to the monthly FundGrade ratings and is calculated at the end of each calendar year. The FundGrade rating system evaluates funds based on their risk-adjusted performance, measured by Sharpe Ratio, Sortino Ratio, and Information Ratio. The score for each ratio is calculated individually, covering all time periods from 2 to 10 years. The scores are then weighted equally in calculating a monthly FundGrade. The top 10% of funds earn an A Grade; the next 20% of funds earn a B Grade; the next 40% of funds earn a C Grade; the next 20% of funds receive a D Grade; and the lowest 10% of funds receive an E Grade. To be eligible, a fund must have received a FundGrade rating every month in the previous year. The FundGrade A+^® uses a GPA-style calculation, where each monthly FundGrade from “A” to “E” receives a score from 4 to 0, respectively. A fund’s average score for the year determines its GPA. Any fund with a GPA of 3.5 or greater is awarded a FundGrade A+^® Award. For more information, see www.FundGradeAwards.com. Although Fundata makes every effort to ensure the accuracy and reliability of the data contained herein, the accuracy is not guaranteed by Fundata. For standard performance data of the funds listed above, click here.

Award-winning Tangerine Investments mutual funds for 2025 are:

The FundGrade calculation date for the awards is December 31, 2025.

Performance for Tangerine Balanced SRI Portfolio for the period ended December 31, 2025 is as follows: 9.08% (1 year), 14.47% (3 years), N/A (5 years), N/A (10 years), and 8.06% since inception (January 2022).

Performance for Tangerine Balanced Growth SRI Portfolio for the period ended December 31, 2025 is as follows: 10.29% (1 year), 17.27% (3 years), N/A (5 years), N/A (10 years), and 9.94% since inception (January 2022).

Performance for Tangerine Equity Growth SRI Portfolio for the period ended December 31, 2025 is as follows: 13.18% (1 year), 21.94% (3 years), N/A (5 years), N/A (10 years), and 13.19% since inception (January 2022).

Deposits to TFSA and RSP Accounts are subject to the limits imposed by the Canada Revenue Agency (CRA). You are fully responsible for monitoring your individual contribution limits and ensuring any and all deposits fall within these set CRA limits.