Privacy

AGF has adopted privacy practices to protect personal information as part of its overall service commitment to clients.

AGF Management Limited, AGF Investments Inc., and AGF Investments LLC, (collectively referred to as "AGF") are committed to protecting the privacy of our current and former clients and regard this as an integral part of the service we provide you. Every AGF employee is responsible for ensuring the confidentiality of all personal information they may access. Each employee annually signs off on AGF's Privacy Policy and completes annual mandatory privacy and security training to ensure they understand their obligations and expectations as it relates to the activities they perform.

Personal Information

Personal information refers to information that directly or indirectly identifies you. The categories of information we collect depend on the products or services you applied for or have with AGF. This information may include:

• Personal data, such as name, address, email address, telephone number, signature, date of birth, age, marital status, Social Security Number, sex, citizenship status, occupation and employment details;
• Financial data, such as income, assets, financial history, banking information, credit card information, and investment preferences;
• Interaction data collected when you visit or use our websites, mobile applications, and social media sites, or when you call or chat online with our call centres, as applicable.

Why do we need your Personal Information?

We require your personal information in order to establish a relationship with you and provide you with the best possible service - the better we know you, the better we can serve you. Your personal information allow us to:

• Establish your identity;
• Understand and assess your eligibility for our products and services;
• Provide you with the services you have agreed to obtain from us;
• Protect you and us from error and fraud; and
• Comply with the law in the jurisdictions where we operate.

How do we obtain your personal information?

Personal information is obtained primarily from you, although we may also obtain information from other sources with your consent. These other sources may include, but are not limited to, your advisor or dealer, other AGF affiliates, your bank, other financial institutions, etc.

How do we use your personal information?

We may use your personal information for the following purposes:

• To identify you;
• To ensure our records are accurate;
• To establish and administer your account;
• To execute your transactions;
• To maintain, store, record and determine your account holdings and transaction records;
• To verify previously given information when necessary;
• To provide you and your representatives with account statements/information;
• To provide you with financial statements, tax receipts, proxy mailings, transaction confirmations and other information that may be requested or needed to service your account;
• To provide you with quality customer service and support on your investment needs;
• To protect the interests of AGF, such as the collection of a debt owed; and
• To meet legal and regulatory requirements.

Who do we disclose your personal information to?

Your personal information will only be used for stated purposes to assist us in providing you with the best possible service. AGF may also provide certain of the above-noted categories of your personal information to third parties. This is done only to meet your service requirements or as may be required by any relevant law. Third parties that may be provided with your personal information include:

• Your financial representative;
• Other financial institutions, securities dealers and mutual fund companies;
• Other AGF affiliates;
• Third-party service providers;
• Canadian or foreign governments, government agencies and regulators; and
• Any other legally required institutions.

Contracts between AGF and third-party service providers ensure appropriate controls and protections and are in place at the service provider level to protect your personal information. Our service providers may, from time to time, sub-contract certain administrative services to other service providers that may or may not reside in Canada or the United States and require access to certain personal information to perform contracted services. In this case, AGF's service providers are responsible for ensuring appropriate security measures and controls are in place to protect your personal information, including from unauthorized access or use. Personal information available to service providers in foreign jurisdictions may be disclosed to local authorities as may be prescribed by law.

Disclosing your personal information when required or permitted by law:

AGF may be required to provide your personal information in response to a search warrant, court order or other legally valid request. We may also disclose your personal information to help us collect a debt owed by you.

AGF's third-party service providers may also be required to provide your personal information in response to local legal requirements.

AGF may be required to provide certain of your personal information to comply with foreign laws applicable to AGF or any of the products and services AGF may provide.

Where required by law or legally valid request, AGF does not require your consent to disclose your personal information.

Obtaining Your Consent

Before or at the time you open an account with AGF, you will be required to provide certain personal information to establish the account. The information may be collected via an AGF application form, in which case you will formally indicate your consent for AGF to collect and further process the personal information when you sign the application. The information may also be provided by your financial advisor to AGF, in which case, by virtue of account opening, your consent may be implicitly provided to AGF to collect and further process the information. In this case, at the time of initial collection of your personal information by your financial advisor, you will have provided consent to your advisor to disclose your personal information for the purposes of effecting investment transactions, including the opening of accounts with AGF.

Withdrawing your consent:

You may withdraw your consent for the collection and use of your personal information by contacting AGF at any time. As AGF is required by Law to obtain and collect certain personal information about you in order to maintain an account, you may be prevented from withholding your consent without closing your account. In addition, certain services and products may no longer be provided to you, in the event you withhold consent to the use of information upon which such services and products are dependent and/or required by rules and regulations that govern them.

Access to and accuracy of your personal information:

Upon written request, AGF will provide you with access to your personal information we have on record at the time of the request. In addition and if requested, AGF may provide you with a list of third parties, to whom your personal information was provided. In certain circumstances, AGF may not be able to provide you with access to specific pieces of information in order to ensure the privacy and confidentiality of information belonging to others. For example: (i) information containing references to other individuals (ii) proprietary information of your financial advisor, the dealership or AGF (iii) information that has been destroyed (iv) information that is too costly to retrieve.

You may update your personal information at any time by contacting AGF. AGF is only required to collect and update personal information it requires to service your accounts. AGF is not obligated to collect personal information unrelated to the servicing of your account.

Where is your personal information kept?

Your personal information may be kept in electronic or paper format in the offices of AGF and its affiliates, in secure off-site storage facilities provided by storage service providers and its third party (administration) service providers, who may themselves store it in multiple locations and forms (in and outside Canada and the United States).

Protecting Your Information

Our employees and service providers have access to your personal information to enable them to perform their duties in servicing you. We have implemented administrative, physical and technical security measures to protect your information. These include:

• Policies, procedures, and guidelines to ensure your personal information is safeguarded;
• Employees who respect your personal information and are trained to keep it safe;
• Password controls, access restrictions, physical access safeguards, and data encryption to help protect your information, including against unauthorized access or use.

Any personal information collected from you will only be used for the purposes identified at the time of collecting the information and will be retained for as long as is necessary to fulfil the service, or as required by law. It will be securely disposed of once the retention period has lapsed.

Privacy Breaches

From time to time, sometimes beyond our control, there may be breaches in the controls we established to maintain your personal information confidential. In the event a breach occurs, AGF will take all reasonable measures to secure the personal information, including requiring any third-party service providers to take such appropriate measures considered necessary to secure and remedy the breach. In the event a detected breach may result in the potential risk of harm, disclosure of sensitive information or risk of theft of identity and/or assets, AGF will contact you as soon as possible, as we would had you raised a privacy complaint with us directly, outlining the details and actions taken to reduce the risks identified. At AGF we take the responsibility of securing your personal information very seriously and will take measures we determine appropriate in the circumstances to mitigate any identified risks to you.

How long do we retain your Personal Information?

How long we keep your information depends on the reasons for which it was collected. The type of product or service and the kind of information also affects the length of time we retain information. Your information may be kept even if you are no longer a client with us so long as it is legally necessary for us to have sufficient information to respond to any issues that may arise at a later date. Typically, we keep personal information for seven years following the closure of a client account or, if not specifically mandated by law, for two years from the year-end to which it relates.

Contacting Us

If you have a question, concerns or other inquiries, please contact us at:

Mailing Address:

Email:  agf_privacy@agf.com

Publication date: December 3, 2025