Networking Writer Draft Review

Name Firm Group / Desk Seniority Email Channel LinkedIn DM Email Text Call In-person Other Relevance FO - GM FO - IB FO - Buy-side FO - Other MO - CM MO - Other BO Other Degree How you know First email subject First email Hi Teghveer, My name is Harman, and I'm a Math & Finance double degree student at Waterloo. I was genuinely interested to see your work across Fixed Income & FX at CIBC Capital Markets because I want to understand how a broad markets role connects macro views with product and client context. I'm trying to position myself for fixed-income and FX markets roles, since I've developed DSGEs and VAR models to model central-bank views and want to understand how the FI implications feed into client-flow desk discussions. I was curious how your team decides whether a central-bank view should inform a specific rates or FX idea or remain broader market context for clients. If you had 10-15 minutes, I'd appreciate the chance to learn how that process works in practice. Warm regards, Harman Singh h56singh@uwaterloo.ca Follow-up email subject Follow-up email Hi Teghveer, I wanted to follow up on my note about your Fixed Income & FX work. I'm particularly interested in how the team decides whether a central-bank view should inform a specific rates or FX idea or remain broader market context for clients. If you have 10-15 minutes, I'd value hearing how that judgment works at CIBC. Warm regards, Harman Singh h56singh@uwaterloo.ca LinkedIn connection message conditional LinkedIn follow-up DM conditional Regeneration note

Name Firm Group / Desk Seniority Email Channel LinkedIn DM Email Text Call In-person Other Relevance FO - GM FO - IB FO - Buy-side FO - Other MO - CM MO - Other BO Other Degree How you know First email subject First email Hi Stefano, My name is Harman, and I'm a Math & Finance double degree student at Waterloo. I was excited to see your work as a Debt Capital Markets Associate at Canaccord Genuity because I want to understand how issuer advice changes as a financing moves from analysis toward execution. In my family-office investment work, I have built debt-sizing cases and reviewed lender terms as part of live deal analysis. I'm positioning myself for debt capital markets and financing roles, and I was curious how your team combines issuer objectives with investor feedback when deciding whether a market window is actionable and what structure to recommend. If you had 10-15 minutes, I'd appreciate the opportunity to learn how that process works in practice. Warm regards, Harman Singh h56singh@uwaterloo.ca Follow-up email subject Follow-up email Hi Stefano, I wanted to follow up on my note about Debt Capital Markets. I'm especially interested in how the team combines issuer objectives with investor feedback when deciding whether a market window is actionable and what structure to recommend. If you have 10-15 minutes, I'd be grateful to hear how that process works at Canaccord. Warm regards, Harman Singh h56singh@uwaterloo.ca LinkedIn connection message conditional LinkedIn follow-up DM conditional Regeneration note

Name Firm Group / Desk Seniority Email Channel LinkedIn DM Email Text Call In-person Other Relevance FO - GM FO - IB FO - Buy-side FO - Other MO - CM MO - Other BO Other Degree How you know First email subject First email Hi Isabella, My name is Harman, and I'm a Math & Finance double degree student at Waterloo. I was genuinely interested to see your work in FX Options Trading at Scotiabank because I want to understand how an options desk evaluates a macro view alongside volatility and client demand. In Citadel's FI & Macro challenge, I developed DSGEs and VAR models to model central-bank views and translated the scenarios into relative-value trade ideas. I'm positioning myself for FX and broader global-markets roles, and I was curious how your desk tests a macro view against implied volatility and client flow before deciding whether an options expression is useful. If you had 10-15 minutes, I'd appreciate the chance to learn how that process works in practice. Warm regards, Harman Singh h56singh@uwaterloo.ca Follow-up email subject Follow-up email Hi Isabella, I wanted to follow up on my note about FX Options Trading. I'm particularly interested in how the desk tests a macro view against implied volatility and client flow before deciding whether an options expression is useful. If you have 10-15 minutes, I'd value hearing how that process works at Scotiabank. Warm regards, Harman Singh h56singh@uwaterloo.ca LinkedIn connection message conditional LinkedIn follow-up DM conditional Regeneration note

Name Firm Group / Desk Seniority Email Channel LinkedIn DM Email Text Call In-person Other Relevance FO - GM FO - IB FO - Buy-side FO - Other MO - CM MO - Other BO Other Degree How you know First email subject First email Hi Irene, My name is Harman, and I'm a Math & Finance double degree student at Waterloo. I was genuinely interested to see your work in Securitization at Scotiabank because I want to understand how collateral analysis informs both structure and execution. In my family-office investment work, I have built debt-sizing cases and assessed lender terms as part of live deal analysis. I'm positioning myself for structured-credit and capital-markets roles, and I was curious how your team uses collateral analysis to shape a structure before investor feedback is used to test whether the transaction is executable. If you had 10-15 minutes, I'd appreciate the opportunity to learn how that process works in practice. Warm regards, Harman Singh h56singh@uwaterloo.ca Follow-up email subject Follow-up email Hi Irene, I wanted to follow up on my note about Securitization. I'm particularly interested in how collateral analysis shapes the structure before investor feedback is used to test whether a transaction is executable. If you have 10-15 minutes, I'd be grateful to hear how that process works at Scotiabank. Warm regards, Harman Singh h56singh@uwaterloo.ca LinkedIn connection message conditional LinkedIn follow-up DM conditional Regeneration note

Name Firm Group / Desk Seniority Email Channel LinkedIn DM Email Text Call In-person Other Relevance FO - GM FO - IB FO - Buy-side FO - Other MO - CM MO - Other BO Other Degree How you know First email subject First email Hi Hira, My name is Harman, and I'm a Math & Finance double degree student at Waterloo. I was excited to see your work in Debt Capital Markets at Scotiabank because I want to understand how teams develop judgment around issuance timing and issuer advice. At GreenShield, I supported acquisition cases and strategic valuation analysis for senior decision materials. I'm positioning myself for debt capital markets and other financing roles, and I was curious how your team uses investor feedback to distinguish a genuinely open issuance window from one where an issuer should wait or adjust the structure. If you had 10-15 minutes, I'd appreciate the chance to learn how that process works in practice. Warm regards, Harman Singh h56singh@uwaterloo.ca Follow-up email subject Follow-up email Hi Hira, I wanted to follow up on my note about Debt Capital Markets. I'm especially interested in how the team uses investor feedback to distinguish an open issuance window from one where an issuer should wait or adjust the structure. If you have 10-15 minutes, I'd value hearing how that judgment works at Scotiabank. Warm regards, Harman Singh h56singh@uwaterloo.ca LinkedIn connection message conditional LinkedIn follow-up DM conditional Regeneration note