PRIVATE CAPITAL EXPERTS

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INNOVATIVE ON BEHALF OF OUR CLIENTSRAINTREE FINANCIAL SOLUTIONS IS CHANGING THE WAY CANADIANS THINK ABOUT INVESTING THEIR MONEY

IN THE BEGINNING

Three partners with common values and a novel purpose founded Raintree Financial Solutions in 2010, with the intention of changing the way Canadians think about investing their money. It should not be a surprise that Raintree was created in the years following the greatest financial crisis of our generation. The financial crisis was a time in which the financial system was tested – and by all accounts, almost failed entirely.

In subsequent years, stories emerged that described the characteristics that led to the crash. Stories about conflicts of interest, managing to quarterly targets, an absence of oversight and a general lack of alignment between the financial interests of investors and of those influencing the results. It was for these reasons that the Partners at Raintree believed it was time to give investors an alternative choice.

OUR STORY

Raintree is a private investment brokerage, technically referred to as an Exempt Market Dealer. We specialize in sourcing and selling financial securities of alternative investments. In 2010, the securities regulators across Canada created this investment dealer category to enhance oversight within the industry.

We are proud to be headquartered in Edmonton, Alberta – the birthplace of a number of Canada’s most successful financial organizations. Our geographic reach is not limited to Western Canada, as we have financial advisors across the country and we distribute investments that are focused all over North America. Raintree is the connection between private investments and investors.

Raintree has assembled a team of dedicated financial professionals, called Private Wealth Advisors, who work with our clients to help make strategic decisions about which investments are right for their portfolios. These Private Wealth Advisors have made the decision to join Raintree in pursuit of bringing clients a platform that is truly different than what you find at ordinary, faceless financial institutions.

We endeavor to find the best private investments and make them available to our clients. Our team has reviewed hundreds of investment opportunities to select only the ones that we think have the greatest merit. We have diverse exposure to asset classes and industries, and provide investments across a spectrum of risk - from conservative to aggressive, depending on what is most suitable for each client.

WHAT MAKES US DIFFERENT?

We believe the investment industry is fraught with conflicts of interest. This is due to the imbalance of information between investors and those that influence their decision-making. The result is an industry that has consolidated and vertically-integrated dramatically over the past 20 years. So much so, that it is difficult to understand whether the advice being given is really in the client’s best interest.

Raintree is an independent investment dealer and the securities that we sell are selected based on their own merit. We have developed innovative internal systems to minimize inherent conflicts that many other financial institutions face due to their integrated business models. We believe this gives us an advantage in delivering objective advice to clients.

Our drive to create win-win relationships built on trust and professionalism is the foundation of our business. It is this commitment that helps us grow and build lasting connections with clients and partners.

Exhibit 1: Values Matrix

“We started Raintree to give our clients a fighting chance. All we

saw around us was a financial industry rife with conflicts, balanced

in the favour of everyone BUT the client.”

— D.R. (Nick) Fournier, President and CEO

GLOBAL VALUES

PRIMARY VALUES

CORE VALUE

Consistently uphold and

champion integrity in all of

our business practices.

Prioritize Alignment

Innovative

Tran

spar

ent

Independent Objective

Dedicated to

Exc

ellen

ce

Trus

ted Expert

Professional

IS YOUR PORTFOLIO COMPLETE?THE CASE FOR ADDING ALTERNATIVE INVESTMENTS TO YOUR PORTFOLIO

WHAT ARE ALTERNATIVE INVESTMENTS?

The phrase “alternative investment” is often misunderstood throughout the financial industry today.

Alternative investments are generally private (non-market traded) securities, focused in unique markets, asset classes, strategies or sectors. These investments are established based on distinctive strategies that may not be available in traditional stocks, bonds or mutual funds. These investments can be equity or debt securities, and they can be complex or very simple.

We have witnessed a shift in the last 25 years for institutional and high-net-worth individuals to allocate a growing proportion of their portfolio to alternative investments. Raintree makes alternative investments available to everyone, as long as they are suitable.

Alternative investments can display the following benefits:

Low correlation to other investments Reduced volatility Preservation of capital Unique risk-adjusted return profiles Access to new markets Pre-IPO or high growth opportunities Unique income sources Beneficial tax treatment

Alternative investments are not at the periphery anymore – they are increasingly becoming more mainstream. Though our investments may not be suitable for everyone, they generally complement most portfolios. Selected properly, their diversifying benefits can protect downside risk and enhance returns, which is one reason why sophisticated investors have been using alternative investments for many years.

WHY INVEST IN PRIVATE COMPANIES?

Alternative investments can be public or private, though most are categorized as private. At Raintree, we specialize in private investments that are not traded on a public stock exchange. Many small and medium sized enterprises (SMEs) and funds that list on public exchange do not necessarily receive the full benefit of their listing which can result in a lack of liquidity, increased trading volatility and extraordinary costs to maintain reporting and other listing standards.

By staying private in the capital accumulation stage, a private company can focus more attention on management and long-term value creation, rather than stock promotion and quarterly bonuses.

Canada has over 1.1 million SMEs, which create over $500 billion in GDP annually and account for 90% of jobs.1 SMEs are the engine of growth in the economy – they stimulate innovation and grow quicker than large companies.

Most Canadians are not business owners, and therefore don’t get to participate financially in the SME economic engine. That is what distinguishes Raintree – we allow all Canadians to participate in this segment of the economy, in a meaningful way.

PORTFOLIO BENEFITS

The typical investment portfolio is made up of stocks and bonds, which may be packaged in mutual funds or segregated funds. Although these investments are important, what we saw during the recent financial crisis was that they started to perform very similarly (negatively) together. When investments consistently move in the same direction, they can enhance the risk to investors who are drawing on those funds. High correlation may also increase volatility in one’s portfolio.

According to the conventional wisdom of Modern Portfolio Theory, diversification is very important. To create a superior portfolio, investments that have low or negative correlations against the other holdings in the portfolio, will perform best over time when combined. Alternative investments have been shown to display low or negative correlation with other investments. By integrating many investments together in the same portfolio, an investor has the potential to enhance their returns for each increment of risk taken.

“Private and alternative investments are not for everyone, but they

do complement almost every portfolio by providing access to

innovative financial products, diversification and unique return

attributes.”

— Peter Kinkaide, Managing Director – Corporate Finance

1http://www.ic.gc.ca/eic/site/061.nsf/eng/02804.html

THE RAINTREE SERVICE OFFERINGDELIVERING UNIQUE CLIENT BASED SOLUTIONS

WHY RAINTREE?

Raintree is the alternative to the main street, bank-owned investment dealer. Not only are we the alternative investment expert – we are also independent.

We are not an integrated investment dealer and fund manager. Every retail investment we market is a third-party offering, which helps prevent conflicts of interest in the promotion of the products we offer. We offer investments based on merit, not because of added internal incentives to promote them. All offerings undergo an extensive due diligence process by our experienced Analysts before being made available to clients.

We have a comprehensive internal risk assessment process in place to help protect investor capital, which we can supplement with an independent third party review. Only after exhaustive scrutiny that focuses on investor alignment do we decide whether to offer the investment to our clients.

There is a wide range of product types and asset classes available through Raintree, including:

Private Equity Hedge Funds Real Assets and Commodities Energy Infrastructure Alternative Lending Oil, Gas and Mineral Exploration Agriculture Real Estate Fixed Income

We are continuously scouring the market seeking investments that we believe have the best chance of performing for our clients. Raintree is not constrained by industry or geography – we do not limit our access to innovative investments.

PORTFOLIO MANAGEMENT SERVICES

Raintree can provide clients with access to investments in the public markets (stocks and bonds) through the use of registered portfolio managers. Portfolio managers can deliver diversified portfolios to clients that are individualized to their specific needs, often at a lower cost than management fees paid on traditional mutual funds. With superior service at a reduced cost, we think portfolio management services are an excellent alternative to typical, watered-down investment offerings.

HOW DO I WORK WITH RAINTREE?

Raintree has a network of Private Wealth Advisors across Canada who are dedicated to helping clients select private investments that are suitable for their portfolio.

You can find a registered representative in most major cities and many small towns, from British Columbia to Quebec. Contact us today for more information on how Raintree Financial Solutions can help shape your financial future.

“We don’t want our clients to put us in one box. We can provide

holistic financial services to clients. From alternative investments

to investment banking, we specialize in finding solutions that are

appropriate to each client’s circumstances.”

— Adam Derges, Vice President of Strategic Initiatives

HEAD OFFICE

Westgate Business Park 10243 – 178 Street Edmonton, AB T5S 1M3

TF 1.855.443.0340 E info@raintreeEMD.com raintreeEMD.com

This document is not intended to be relied upon in connection with a purchase of securities. These highlights are for information purposes only and do not constitute an offer to sell or a solicitation to buy the securities referred to herein. The securities are offered by means of the Offering Memorandum. This document represents target financial returns and may not be predictive of actual performance.

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