Whatdoes yourretirementlook like?Your retirement vision is uniquely yours, and theplan to get you there should be too.Discover how a customized plan incorporating all of your financial goals foryour retirement and your estate can help you achieve them faster.Benefit from my expertise in:Tax-efficient strategies. Customized financial planningSources of income in retirementEstate planning considerationsContact me to start building your customized retirement plan.Salomon Elbaz, F. PIFinancial Planner and Investment Specialist514-497-8616salomon.elbaz@scotiabank.comScotiabankRegistered trademark of The Bank of Nova Scotia, used under licence. Scotiabank includes The Bank of Nova Scotia and its subsidiaries and affiliates, includingScotia Securities Inc. As used in this document, "Investment Specialist and Financial Planner, "Scotiabank Investment Specialist and "Financial Planner andInvestment Specialist refers to a Scotia Securities Inc. mutual fund representative or, in Quebec, a Group Savings Plan Dealer Representative who is also registeredinthe category of Financial Planner. Scotia Securities Inc. is a memberofthe Mutual Fund Dealers Association.5243-2019-1105 F1 What does your retirement look like? Your retirement vision is uniquely yours, and the plan to get you there should be too. Discover how a customized plan incorporating all of your financial goals for your retirement and your estate can help you achieve them faster. Benefit from my expertise in: Tax-efficient strategies . Customized financial planning Sources of income in retirement Estate planning considerations Contact me to start building your customized retirement plan. Salomon Elbaz, F. PI Financial Planner and Investment Specialist 514-497-8616 salomon.elbaz@scotiabank.com Scotiabank Registered trademark of The Bank of Nova Scotia, used under licence. Scotiabank includes The Bank of Nova Scotia and its subsidiaries and affiliates, including Scotia Securities Inc. As used in this document, "Investment Specialist and Financial Planner, "Scotiabank Investment Specialist and "Financial Planner and Investment Specialist refers to a Scotia Securities Inc. mutual fund representative or, in Quebec, a Group Savings Plan Dealer Representative who is also registered inthe category of Financial Planner. Scotia Securities Inc. is a memberofthe Mutual Fund Dealers Association. 5243-2019-1105 F1

Date: January 6, 2020

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What does your retirement look like? Your retirement vision is uniquely yours, and the plan to get you there should be too. Discover how a customized plan incorporating all of your financial goals for your retirement and your estate can help you achieve them faster. Benefit from my expertise in: Tax-efficient strategies . Customized financial planning Sources of income in retirement Estate planning considerations Contact me to start building your customized retirement plan. Salomon Elbaz, F. PI Financial Planner and Investment Specialist 514-497-8616 salomon.elbaz@scotiabank.com Scotiabank Registered trademark of The Bank of Nova Scotia, used under licence. Scotiabank includes The Bank of Nova Scotia and its subsidiaries and affiliates, including Scotia Securities Inc. As used in this document, "Investment Specialist and Financial Planner, "Scotiabank Investment Specialist and "Financial Planner and Investment Specialist refers to a Scotia Securities Inc. mutual fund representative or, in Quebec, a Group Savings Plan Dealer Representative who is also registered inthe category of Financial Planner. Scotia Securities Inc. is a memberofthe Mutual Fund Dealers Association. 5243-2019-1105 F1 What does your retirement look like? Your retirement vision is uniquely yours, and the plan to get you there should be too. Discover how a customized plan incorporating all of your financial goals for your retirement and your estate can help you achieve them faster. Benefit from my expertise in: Tax-efficient strategies . Customized financial planning Sources of income in retirement Estate planning considerations Contact me to start building your customized retirement plan. Salomon Elbaz, F. PI Financial Planner and Investment Specialist 514-497-8616 salomon.elbaz@scotiabank.com Scotiabank Registered trademark of The Bank of Nova Scotia, used under licence. Scotiabank includes The Bank of Nova Scotia and its subsidiaries and affiliates, including Scotia Securities Inc. As used in this document, "Investment Specialist and Financial Planner, "Scotiabank Investment Specialist and "Financial Planner and Investment Specialist refers to a Scotia Securities Inc. mutual fund representative or, in Quebec, a Group Savings Plan Dealer Representative who is also registered inthe category of Financial Planner. Scotia Securities Inc. is a memberofthe Mutual Fund Dealers Association. 5243-2019-1105 F1

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