1. FRAUD, ONE OF THE FASTEST GROWING SEGMENTS OF OUR INDUSTRY Joseph Bajic, Chief Compliance Officer and Vice-President, Compliance

2. AGENDA Cybercrime Identity theft E-mail hacking Steps to take

3. WHAT IS CYBERCRIME? ‘Cybercrime’ is a blanket term that covers a wide range of criminal activities that are carried out using computers and the internet. Cybercrime includes: – Computer misuse (including hacking, spam e-mail, Trojans, viruses and botnets) – Financial fraud (including scams, online theft and phishing) – Identity theft and identity fraud – Offences against a person (including cyberbullying, trolling, hate crimes)

4. TOP TIPS TO AVOID CYBERCRIME Treat unsolicited e-mails with caution Do not open attachments in unexpected e-mails Do not share files and programs Avoid free software unless it is reputable Use anti-virus software Complete security updates Install a firewall Do not share personal information Use different passwords on different websites Shred everything

5. TIPS TO PROTECT YOUR PRIVACY Don't post what you don't want others to know Keep personal information to yourself Use different e-mail addresses Use security technology Control cookies Use public Wi-Fi access points with care Tell your children about online privacy Consider encryption

6. MOST DANGEROUS WEBSITES Blogs and web communications Hosting and personal hosted sites Business and economy Education and reference Technology Entertainment and music Automotive Health and medicine Pornography

7. IDENTITY THEFT Method: Personal information compromised Seek information Account access Account changes Redemption

8. IDENTITY THEFT Detection and Prevention: E-mail communication Assante e-mail address Confirm orders

9. E-MAIL HACKING Method: E-mail account compromised Send “spoofed” e-mail Request redemption

10. E-MAIL HACKING Detection: Fraudulent requests are often: – marked urgent – requests to reply and correspond only through e-mail – requests for proceeds to be sent to a third party or internationally Questions to ask when receiving e-mail redemption requests: – Does the client normally communicate through e-mail? – Is the client using his/her normal grammar/style? – Is the client addressing you in the normal manner? – Does the client seem to be unconcerned with redemption penalties? – Do payment requests that are sent electronically have unusual timestamps (indicating different time zones), suspicious looking domain names or fax trailers?

11. E-MAIL HACKING Prevention: Change in patterns Vary methods of contact Confidential information over e-mail

12. STEPS TO TAKE IF YOU SUSPECT ATTEMPTED FRAUD Immediately contact your Branch Manager and Compliance at askcompliance@assante.com. askcompliance@assante.com Reply to the e-mail informing the client (fraudster) to call with requests

13. STEPS TO TAKE: ADVISOR/BRANCH Review client’s accounts Report the incident Change account numbers Review communication protocols

14. STEPS TO TAKE: CLIENT Fraud alerts Protect computer

15. Assante Wealth Management’s advisory services are offered through Assante Financial Management Ltd., Assante Capital Management Ltd. and Assante Estate and Insurance Services Inc. Assante Estate and Insurance Services Inc. is owned by Assante Financial Management Ltd. and Assante Wealth Management (Canada) Ltd. ®The Assante symbol and Assante Wealth Management are registered trademarks of CI Investments Inc., used under licence. Thank You FOR ADVISOR USE ONLY