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 Erick, My name is Harman, and I'm a Math & Finance double degree student at Waterloo. I was genuinely interested to see your work in Institutional Rates Sales at Scotiabank because I want to understand how macro analysis is sharpened through conversations with institutional clients. I'm trying to position myself for fixed-income 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 weighs a central-bank or curve view against liquidity and client flow before deciding what is useful to bring into a rates conversation. 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 Erick, I wanted to follow up on my note about Institutional Rates Sales. I'm particularly interested in how the team weighs a central-bank or curve view against liquidity and client flow before bringing it into a rates conversation. 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 Emma, My name is Harman, and I'm a Math & Finance double degree student at Waterloo. I was genuinely interested to see your work in Long/Short Public Equities - Healthcare at CPP Investments because I want to understand how an institutional team tests a sector thesis before committing portfolio risk. My quant finance research under Prof. Phelim Boyle focuses on separating residual alpha from beta exposure and regime effects. I'm positioning myself for public-equities investing roles, and I was curious how your team tests whether a healthcare thesis reflects durable company-specific insight rather than factor or regime exposure before it affects position sizing. 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 Emma, I wanted to follow up on my note about Long/Short Public Equities - Healthcare. I'm particularly interested in how the team separates durable company-specific insight from factor or regime exposure before it affects position sizing. If you have 10-15 minutes, I'd be grateful to hear how that assessment works at CPP Investments. 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 Caroline, 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 advise issuers when the financing window depends on both company objectives and the rates backdrop. In Citadel's FI & Macro challenge, I developed DSGEs and VAR models to model central-bank views and translated the scenarios into relative-value fixed-income ideas. I'm trying to position myself for debt capital markets roles, and I was curious how your team balances an issuer's funding objectives with market conditions and investor feedback when recommending an issuance window and 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 Caroline, I wanted to follow up on my note about Debt Capital Markets. I'm especially interested in how the team balances an issuer's funding objectives with market conditions and investor feedback when recommending an issuance window and structure. 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 Alexis, My name is Harman, and I'm a Math & Finance double degree student at Waterloo. I was genuinely interested to see your FX Conversion work at CIBC Capital Markets because I want to understand how an FX team connects a client's currency needs to the market backdrop. I'm trying to position myself for FX and broader global-markets roles, since I've developed DSGEs and VAR models to model central-bank views and want to understand how those implications feed into client-flow discussions. I was curious how your team weighs a client's underlying currency need against the macro and pricing backdrop when deciding what should drive an FX conversion discussion. 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 Alexis, I wanted to follow up on my note about FX Conversion. I'm particularly interested in how the team weighs a client's underlying currency need against the macro and pricing backdrop when deciding what should drive the discussion. If you have 10-15 minutes, I'd be grateful to hear how that process 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 Jude, My name is Harman, and I'm a Math & Finance double degree student at Waterloo. I was genuinely interested to see your work in ABS/RMBS Trading at BMO Capital Markets because securitized credit seems to require both macro judgment and product-specific analysis. I'm trying to position myself for fixed-income 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 desk tests a rates view against collateral behavior and market liquidity before deciding which ABS/RMBS ideas are useful in client discussions. 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 Jude, I wanted to follow up on my note about ABS/RMBS Trading. I'm particularly interested in how the desk tests a rates view against collateral behavior and market liquidity before deciding which ideas are useful in client discussions. If you have 10-15 minutes, I'd value hearing how that process works at BMO. Warm regards, Harman Singh h56singh@uwaterloo.ca LinkedIn connection message conditional LinkedIn follow-up DM conditional Regeneration note