SERAVUE FINANCIAL – WEBSITE TERMS OF USE & COMPENSATION DISCLOSURE

Forster Nexus Inc. operating as Seravue Financial

Effective Date: November 2025

1. Introduction

Welcome to Seravue Financial. By accessing this website, using our materials, or engaging our services, you acknowledge and agree to the following Terms of Use and Compensation Disclosure. We maintain these disclosures to provide transparency, professionalism, and confidence in how we operate and how we are compensated.

Nothing on this site constitutes personalized financial, tax, legal, or investment advice. Advice is provided only once you have formally engaged Seravue Financial as a client.

2. Acceptable Use of This Website

You agree that you will not use this website or any of its content for:

• illegal, fraudulent, abusive, or harmful purposes
• attempting to gain unauthorized access to systems, accounts, or data
• uploading malicious software or interfering with site functionality
• copying, scraping, or reproducing content without permission

You may view and print content for your own personal use, but you may not distribute, publish, or reproduce any materials from this site without written authorization from Seravue Financial.

3. Copyright & Intellectual Property

All written content, graphics, downloadable materials, branding, tools, templates, and educational content on this site are the exclusive property of Seravue Financial (Forster Nexus Inc.) unless otherwise noted.

All rights are reserved. No part of this website may be copied, stored, reproduced, shared, or used commercially without prior written approval. Third-party trademarks, tools, or product materials remain the property of their respective owners.

Permission requests may be submitted to: clientservices@seravuefinancial.ca

4. Third-Party Websites & Product Providers

This website may contain links to external companies, product providers, insurers, investment firms, or educational resources. These links are provided strictly for convenience.

Seravue Financial is not responsible for:

• the content of external sites
• their privacy practices
• their security standards
• their product recommendations
• their data management policies

Each third-party provider maintains its own privacy policy, security standards, and terms of use. Clients should review those documents before proceeding with any product or service.

Compensation Disclosure

(Forster Nexus Inc. operating as Seravue Financial)

5. How We Are Compensated

Seravue Financial is compensated either by a fee or by commission, depending on the type of work performed and the preferences of the client. You will never be charged both a fee and a commission for the same engagement.

Our goal is to ensure that the compensation structure is transparent, fair, and aligned with the services you receive.

5.1 Advisory or Planning Fees

When agreed upon in advance, we may charge a fee for retirement planning, financial planning, or related advisory work. These fees may include:

• flat fees for specific planning work
• hourly fees
• project-based fees
• ongoing planning fees when appropriate

All fees are fully disclosed before any work begins.

5.2 Commissions

When commissions apply, we may receive them from the product provider when the product is obtained as required, including:

• segregated funds
• annuity contracts
• insurance products (including group insurance, group savings plans, and pension programs)

These commissions are paid by the provider, not directly by you, and do not increase the cost of your product.

5.3 Service or Trailer Compensation and No-Load Funds

For certain products, such as segregated funds, ongoing servicing or trailer compensation may be paid by the product provider for maintaining and servicing your plan.

Whenever available, Seravue Financial uses no-load funds, which do not include front-end loads, back-end loads, or deferred sales charges (DSCs).

5.4 No Surprise Costs

You will always be informed of any fees, commissions, or other forms of compensation before we proceed with recommendations or applications. There are no hidden charges.

If you have any questions about how we are compensated for a particular product or service, we will provide a clear explanation in writing.

6. Conflict of Interest Disclosure

Seravue Financial is committed to the highest standards of professional conduct and regulatory compliance.

We always:

• act in the best interest of the client
• proactively disclose all compensation, including commissions, fees, and any other remuneration
• recommend products and strategies based on a suitability assessment of your needs, goals, risk profile, and financial circumstances
• document all recommendations and suitability considerations in alignment with regulatory requirements
• disclose any potential or perceived conflicts of interest as required by law

7. Questions About Compensation

You may request clarification about any aspect of compensation at any time. Seravue Financial provides full written disclosure automatically as part of our onboarding and product recommendation process.

If you have questions or wish to review how a particular recommendation is structured from a compensation standpoint, we will walk you through it in plain language.