FSRA DISCLOSURE.

Equity Wise Financial operates as a licensed mortgage brokerage under the Mortgage Brokerages, Lenders and Administrators Act, 2006 (MBLAA) and is regulated by the Financial Services Regulatory Authority of Ontario (FSRA).

Brokerage Name: Equity Wise Financial

FSRA Licence Number: #13652

Province: Ontario, Canada

Website: https://equitywisefinancial.ca

Every licensed mortgage brokerage in Ontario is required to designate a Principal Broker who is responsible for the conduct and compliance of all mortgage agents and brokers working under the brokerage licence.

Principal Broker: David Steinberg

FSRA Licence Number: #M08003837

Contact: broker@equitywisefinancial.ca

The Financial Services Regulatory Authority of Ontario (FSRA) is an independent regulatory agency established under the Financial Services Regulatory Authority of Ontario Act, 2016. FSRA oversees financial services and pension plans in Ontario to protect consumers and foster a fair, safe, and competitive financial services sector.

FSRA Contact:

Website: https://www.fsrao.ca

Phone: 1-800-668-0128

Email: contactcentre@fsrao.ca

Under the MBLAA, FSRA is responsible for:

• Licensing mortgage brokerages, brokers, and agents in Ontario.

• Setting and enforcing standards of conduct, ethics, and professional practice.

• Investigating complaints and taking enforcement action where necessary.

• Ensuring consumers are treated fairly and have access to accurate mortgage information.

As required under the MBLAA, we disclose the following compensation arrangements:

Full compensation details specific to your transaction will be provided in your mortgage disclosure statement prior to entering into any mortgage agreement.

• Finder's fee / lender commission: In most cases, Equity Wise Financial is compensated by the lender upon successful mortgage funding. This compensation does not affect the rate or terms offered to you.

• Broker fee: In certain non-standard or private lending transactions, a broker fee may be charged directly to the borrower. This will be disclosed in writing in your mortgage commitment documents before you sign.

• No upfront costs: Equity Wise Financial does not charge application fees or consultation fees for standard mortgage transactions.

Equity Wise Financial is committed to acting in the best interests of our clients. Where a potential conflict of interest exists — for example, if we have a business relationship with a lender — we will disclose this to you in writing before proceeding. You always have the right to seek independent advice before signing any mortgage documents.

If you have a concern about the services provided by Equity Wise Financial, we encourage you to follow this process:

• Step 1 — Contact Equity Wise Financial directly: Email complaints@equitywisefinancial.ca with a written summary of your concern. We will acknowledge receipt within 5 business days and work to resolve the issue within 30 days.

• Step 2 — Escalate to FSRA: If your concern is not resolved to your satisfaction, you may file a complaint with FSRA at https://www.fsrao.ca/consumers/complaints and by calling 1-800-668-0128.

• Step 3 — Additional recourse: If your complaint involves a credit decision by a lender, you may also contact the Financial Consumer Agency of Canada (FCAC) at https://www.canada.ca/en/financial-consumer-agency.html.

All mortgage agents and brokers working with Equity Wise Financial are individually licensed by FSRA. Upon request, you may ask any representative for their full name, FSRA licence number, and the name of the brokerage under which they are licensed. You can verify any licence at https://www.fsrao.ca.