Intelligent Investing

Most investors prefer flattering stories. The market does not. ~98% of professional fund managers under perform the S&P 500 over 20 years.* Retail investors do worse. The difference is not access. It is not intelligence. It is structure. Alpha is not a product. It is rare. And it is earned. Almost no one beats the market. Not because they can’t. Because the system they operate within is not designed for it. Intelligent Investing is built on a different premise: Start with what works. Earn the rest. A disciplined capital allocation system, designed to: • Establish a long-term core • Improve decision quality • Reduce costly mistakes • Compound over time The core is non-negotiable. Broad market exposure is the default. The edge is behavioural. Most under-performance is not analytical. It is emotional. Active investing is not assumed. It is developed. Through research, discipline, and time. This is not a platform for trading. It does not optimize for activity. It does not reward noise. It is a system for making better decisions. The system does not promise results. It improves decisions. Over time: The investor improves. The portfolio follows. * https://www.spglobal.com/spdji/en/spiva/article/spiva-canada/ INTELLIGENT INVESTING is powered by IntelligentInvesting Financial Technologies Inc. Managed investment accounts are opened with IntelligentInvesting Wealth Management Inc. (IIWMI), a registered portfolio manager whose principal regulator is the Autorité des Marchés Financiers (AMF). Registered accounts managed by IIWMI are held by CI Investment Services Inc., an independent custodian, a member of CIRO and CIPF. Accounts held by CI Investment Services Inc. are eligible for CIPF protection, in accordance with CIPF coverage policies. Self-directed investment accounts are opened with IntelligentInvesting Securities Inc. (IISI), an investment dealer offering order execution only account services, a member of CIRO and CIPF. Accounts with IISI are eligible for CIPF protection, in accordance with CIPF coverage policies. A brochure describing the scope and nature of coverage, as well as the limitations and exclusions of coverage, is available upon request or at www.cipf.ca. IISI and IIWMI are registered in each province and territory in which it conducts business and is subject to regulation by the applicable provincial or territorial securities regulatory authorities. IntelligentInvesting Financial Technologies Inc., IntelligentInvesting Securities Inc. and IntelligentInvesting Wealth Management Inc. are wholly owned subsidiaries of Orion Digital Corp. Orion Digital Corp. is not an investment adviser or dealer and does not provide investment advice or deal in securities. The content contained herein is for informational purposes only and does not constitute investment, tax, or financial advice. Certain statements may include opinions, assumptions, or forward-looking information that are subject to change and may not reflect actual outcomes. Please refer to our full disclosure at intelligentinvesting.ai/disclosures for additional details. © 2026 INTELLIGENT INVESTING and the INTELLIGENT INVESTING designs are trademarks of IntelligentInvesting Financial Technologies Inc.