MEETING DATES DATA SUPPLIED BY ISSUING COMPANIES THROUGH THE SERVICE OF CDS CLEARING AND DEPOSITORY SERVICES INC.

• = CHANGE IN PREVIOUSLY REPORTED INFORMATION % = CANCELLED MEETING; @ = ADJOURNED MEETING; A = ANNUAL; S = SPECIAL; G = GENERAL; X = EXTRA; E = EXTRAORDINARY AI/ML INNOVATIONS INC. Sep 05 Oct 23 A ANALYTIXINSIGHT INC. Aug 25 Oct 20 AS AURIC MINERALS CORP. Sep 10 Oct 15 A AVALON ADVANCED MATERIALS INC. Aug 25 Oct 07 S Advanced Gold Exploration Inc. Aug 25 Oct 02 AGS Armor Minerals Inc. Aug 20 Oct 07 AG C21 Investments Inc. *Jul 30 Sep 23 AG CANAMERA ENERGY METALS CORP. Aug 22 Sep 29 AS CHEELCARE INC. Aug 20 Sep 29 AGS DOSEOLOGY SCIENCES INC. Sep 03 Oct 08 A E-POWER RESOURCES INC Sep 02 Oct 07 A ELORO RESOURCES LTD. Aug 25 Sep 29 AS First National Financial Corp Aug 21 Sep 30 S GLOBAL COPPER CORP. Sep 03 Oct 08 AS GOLDQUEST MINING CORP. Aug 25 Oct 03 AG GREEN MOUNTAIN RESOURCES LTD. Sep 04 Oct 08 AGS HEADWATER GOLD INC. Sep 03 Oct 10 A Identillect Technologies Corp. *Aug 12 Sep 17 AGS Infinitum Copper Corp. Aug 12 Sep 18 AGS Karus Mining Inc. Sep 02 Oct 07 AGS Kutcho Copper Corp. Sep 05 Oct 22 AGS Laramide Resources Aug 29 Oct 08 AS MATACHEWANCONSOLIDATEDMINES Aug 27 Oct 01 S MCCHIP RESOURCES INC. Aug 27 Oct 01 S MYDECINE INNOVATIONS GROUP INC Aug 15Oct 01 AS McLaren Resources Inc. Sep 09 Oct 09 S NUBEVA TECHNOLOGIES LTD Sep 02 Oct 10 A PANTHER MINERALS INC. *Jul 17 Sep 15 AS PURPOSE BITCOIN YIELD ETF *Sep 03 Oct 21 S PURPOSE ETHER ETF *Sep 03 Oct 21 S PURPOSE ETHER YIELD ETF *Sep 03 Oct 21 S Plata Latina Minerals Corp. Aug 12 Sep 16 AG ProStar Holdings Inc. Sep 05 Oct 09 AG Prospect Park Capital Corp. Aug 25 Sep 26 S GEOMEGA RESOURCES INC. Aug 26 Oct 08 AG RIVALRY CORP *Aug 08 Oct 03 AS Sitka Gold Corp. Sep 04 Oct 09 AG Storm Exploration Inc. Aug 07 Sep 17 AGS T2 Metals Corp. Sep 03 Oct 08 AG THE FRESH FACTORY BC LTD Sep 04 Oct 09 A THREE VALLEY COPPER CORP. Sep 08 Oct 20 A TRENCHANT TECHNOLOGIES CAPITAL Aug 19 Sep 26 A TRIBE PROPERTY TECHNOLOGIES Sep 05 Oct 15 AG Themac Resources Group Ltd Aug 29 Oct 07 S XORTX THERAPEUTICS INC. Aug 29 Oct 10 AS ZINC ONE RESOURCES INC. Sep 03 Oct 08 A ZTEST ELECTRONICS INC Sep 09 Oct 24 AGS RECORD MEETINGTYPE DATE DATE RECORD MEETINGTYPE DATE DATE RECORD MEETINGTYPE DATE DATE RECORD MEETINGTYPE DATE DATE RECORD MEETINGTYPE DATE DATE B8 G THE GLOBE AND MAIL | MONDAY, AUGUST 18, 2025 GLOBE INVESTOR | REPORT ON BUSINESS Y ounger Canadians are fall- ing behind on bills at the fastest pace in the country, their finances strained by a weak labour market and rising costs even as mortgage holders show early signs of stability. Payments overdue by at least 90 days have jumped nearly 20 per cent from a year ago, a new Equifax Canada report shows, as Canadians under 36 struggle with the highest levels of credit-card and auto-loan mis- sed payments in the country. Over all, about 1.4 million Cana- dians missed a credit payment in the second quarter – 7,000 fewer than in the first quarter but still 118,000 more than a year ago. Rebecca Oakes, vice-president of advanced analytics at Equifax Canada, said the strain is most vis- ible among non-mortgage hold- ers – a group that largely includes younger Canadians and renters. The delinquency rate among that segment is nearly double that of mortgage holders – a gap that has widened steadily in recent years. About one in 19 non-mortgage holders missed a payment in the quarter, compared with one in 37 mortgage holders. In 2019, the dif- ference in missed payments be- tween the two groups was about 45 per cent; it now exceeds 96 per cent. “Younger consumers may not have the savings to offset higher costs, so credit use can increase out of necessity,” Ms. Oakes said in an interview with The Globe and Mail ahead of the report’s release. “If you haven’t got a job, it’s very difficult to make payments.” Recent labour-force data show job losses concentrated among younger Canadians, compound- ing the pressure from higher liv- ing costs. Canada’s employment market stumbled in July, but the summer months have been especially punishing to youth aged 15 to 24. Statistics Canada reported 34,000 lost positions last month while the employment rate for the age group fell to 53.6 per cent – outside of the pandemic, the lowest level since 1998. The combination of rising liv- ing expenses, limited savings and a slower job market makes young- er borrowers especially vulnera- ble, Ms. Oakes said. “The widening gap between people doing okay and people struggling is still growing, and that’s our biggest concern,” she said. Spending patterns show that mortgage holders are cutting back on credit-card use, while non-mortgage holders – especial- ly younger consumers – are spending more. Credit cards are potentially being used to cover es- sentials rather than discretionary items. Business investment will be a key factor in whether youth job prospects improve, Ms. Oakes said, since reduced spending by companies can limit job creation and disproportionately affect younger workers. “As businesses grow and invest, you get job creation,” she said. “If there’s less investment, maybe there’s less job creation – and that is likely to hit that group first.” Economic uncertainty contin- ues to drive cautiousness for hir- ing and investment, the Bank of Canada reported in its most re- cent business outlook survey. Most companies expect to main- tain current staffing levels and limit investment to regular main- tenance over the next 12 months. A recent pullback in immigra- tion could help ease some of the pressure in the youth job market by opening up positions that younger Canadians are more like- ly to hold – particularly part-time or entry-level roles, Ms. Oakes said. “The positive side of me says maybe there’s a bottoming-out ef- fect for younger consumers, and they’ll start to recover as the job market balances.” Auto-loan balances are also climbing. The average new auto loan reached $35,586 in the quar- ter, up $1,567 from a year earlier. There are tentative signs of sta- bilization in overall delinquency rates, Ms. Oakes said, but that out- look hangs on avoiding deeper ec- onomic shocks. “We’re back to our cautiously optimistic phase,” she said. “That doesn’t mean it’s an improving position yet, but certainly stabiliz- ing – and hopefully, depending on what happens in the economy, we might turn the corner.” Young Canadians falling behind on bills Those under 36 struggle with the highest levels of credit-card, auto-loan missed payments: report CHRIS WILSON-SMITH GETTY IMAGES W arren Buffett is one of the best-known investors in the world, with an esti- mated net worth of around US$140-billion. Much of his suc- cess can be attributed to a secret weapon of money management: time. The longer compound inter- est can work its magic, and the longer assets have to appreciate, the better. Mr. Buffett bought his first stocks at the age of 11, and made his first real estate investment at

14. He’s now 94 and he’s had more than eight decades to grow his portfolio. In a 1988 Berkshire Hathaway shareholder letter, he famously said, “Our favorite hold- ing period is forever.” As a parent, I’ve been thinking about the power of time when it comes to setting our kids up for fi- nancial success. I wish my mom had made me invest or save a por- tion of my Loblaws cashier pay- cheque in 2000. (To be fair, even if she had tried, would teenage me have listened?) At ages 1 and 3, my toddlers clearly don’t have paying jobs, but they do receive gifts on holidays such as Christmas and their ap- proaching birthdays – which is why gifting is on my mind this summer. Our kids have four sets of grandparents, several aunts and uncles, and lots of daycare friends, so they get absolutely spoiled with toys, clothes and other gifts. While we’re always grateful, it can feel like too much: too many toys, too much consumption, too many things to store in our base- ment. They do on occasion receive cash from grandparents or other relatives, and I have a rule that I take that cash and invest it in their education savings account. This means that along with our monthly contribution, we’re add- ing anywhere from $500 to $1,000 every year to their RESP. But it’s not the $500 today that’s powerful – it’s the 15 years that money has to appreciate that will be truly powerful when they’re ready to head off to uni- versity. Even with minimal monthly contributions, our RESP is expected to have $121,000 in it by the time our girls are 18, more than enough to cover an AI prompt engineer course (my guess at the hot career of 2040). This approach to investing was inspired by a colleague. He gave his nephew the option of a gift card to spend on whatever he wanted, or to invest the gift mon- ey instead; his nephew chose to invest the money. On special occasions such as birthdays, he and his wife invest- ed the money they would have given him in an exchange-traded fund made up of top technology company stocks. In addition to in- vesting the money, they took the opportunity to use portfolio up- dates as a teachable moment about investing – for example, ex- plaining what an ETF is, how stocks appreciate over time and how to ignore short-term volatil- ity. In an e-mail to his nephew out- lining how his stocks had grown 60 per cent in a span of three years (and outlining how those returns were unusual), he wrote: “Start young. Save and invest, even if it’s only a little bit, consistently over time, and that money will grow. Every dollar that you can save and invest today will one day be worth hundreds.” While gifting a stock may not make you the most popular per- son at the birthday party, there can be a happy medium – maybe it’s a Barbie and $50 for their RESP, or a small amount of money in an ETF. After all, as soon as my kids are old enough to really understand that Grandma’s cash gift can buy them new Paw Patrol toys, they’ll be gunning to keep that $20 bill, which is why my goal is to get my family on board with my long- term savings goals for the kids. As we approach this year’s gift- ing season, I’m keeping my col- league’s advice in mind, both for my kids and any I buy gifts for. If you’re a friend or family member reading this, we always appreciate things, but the gift of investment time horizon is more powerful than a Barbie. To my own niece and nephew, I will probably be the uncool aunt who gives you stocks, and drones on about the power of compound interest at your 12th birthday par- ty – but you’ll think I’m pretty cool when I hand you a cheque for thousands when you turn 18. While I can’t guarantee a Buf- fett-sized net worth, I can guaran- tee that I’ll let time work its magic for my kids – maybe they’ll thank me when they’re Mr. Buffett’s age. I’m turning to a secret weapon for my children’s financial future: time ERIN BURY OPINION Co-founder and CEO of online estate planning platform Willful.co. She lives in rural Ontario with her husband and two young children. M onsters have taken over Toronto. You can spot them shambling out of the subways and staggering along the sidewalks. But, despite their swelling numbers, cellphone zombies are more nuisance than menace. In the markets, more sprightly monsters are running higher rather than just shambling along. The Dividend Monster portfolio is a case in point. It earns its keep by focusing on stocks with generous dividend yields and strong gains. Combining dividends with momentum boosted the portfo- lio’s average annual returns to 15.8 per cent over the 25 years through to the end of July. In comparison, the Canadian stock market (as represented by the S&P/TSX Composite Index) ad- vanced by an average of 6.7 per cent annually over the same peri- od. (The returns herein are based on backtests using data from Bloomberg taken at the end of each month. They include divi- dend reinvestment but not fund fees, taxes, commissions or other trading costs. The portfolios are equally weighted and rebalanced monthly.) The Dividend Monster method starts with the largest 300 com- mon stocks on the Toronto Stock Exchange (TSX) based on market capitalization (share price times shares outstanding.) It proceeds to narrow in on the half of divi- dend payers that sport the high- est dividend yields. As a final step, it buys an equal dollar amount of the 10 remaining stocks with the highest total returns over the pri- or 12 months with the expecta- tion they’ll continue to perform well in the short term. The port- folio is held for a month and then refreshed with a new batch of stocks that have high yields and strong past performance. In recent times, the portfolio produced pleasing gains of 31.9 per cent over the 12 months through to the end of July. It beat the market index’s still healthy returns of 21.4 per cent over the same period. The original Dividend Monster is also joined today, after a little tinkering in the monster lab, by its sibling the All-Dividend Mon- ster portfolio. It differs from the original by being willing to invest in any stock that pays dividends – including those with modest divi- dend yields. That is, the new port- folio starts with the largest 300 stocks on the TSX, narrows in on the dividend payers, and then picks the 10 with the highest total returns over the prior 12 months. You can examine the long- term track record of the two Mon- ster portfolios, and the market in- dex, in the accompanying graph. While the All-Dividend Mon- ster portfolio outperformed the market index with average an- nual returns of 13.2 per cent over the 25 years to the end of July, it failed to beat the original Divi- dend Monster. Similarly, while both portfolios were more vola- tile than the market index over the period, the original was less volatile than the All-Dividend Monster. Turning from upside gains to the downside disasters, the two biggest downturns suffered by the market index over the 25-year period occurred when the inter- net bubble burst in the summer of 2000 and during the financial crisis of 2008-2009. As it happens, the market index fell 43 per cent from its prior highs on both occa- sions, based on month-end data. The monster portfolios man- aged to basically sidestep the market’s decline in the early 2000s but they suffered their largest plunges over the past 25 years in the financial crisis of 2008-2009 when the All-Dividend Monster portfolio fell 51 per cent and the Dividend Monster de- clined 52 per cent. Ouch! The third worst decline for the market index was its slip of 22 per cent from its prior highs in the sudden pandemic-related crash of 2020. The Dividend Monster fared a bit worse with a 25-per- cent decline during the period and the All-Dividend Monster toppled 35 per cent. As it happens, the later portfolio sucked wind since hitting a high in 2016 and only hit bottom in 2020. The third worst period for the portfolios occurred after inflation took hold in 2022, which prompt- ed the market index to decline a modest 14 per cent. The Dividend Monster was harder hit and slipped 24 per cent into 2023 while the All-Dividend Monster gave up 33 per cent. With a little luck, the Monster portfolios will refresh more than a few members of the zombie zoo and help push up their returns over the long term. Can this portfolio of dividend stocks continue with monster gains? NORMAN ROTHERY OPINION PhD, CFA, is the founder of StingyInvestor.com Growth of Monster Portfolios Growth per $1 invested 2005 2010 2015 2020 2025 0 5 10 15 20 25 30 35 $40 Dividend Monster All-Dividend Monster S&P/TSX Composite Index THE GLOBE AND MAIL, SOURCE: BLOOMBERG