<SEC-DOCUMENT>0000902664-13-003943.txt : 20131211
<SEC-HEADER>0000902664-13-003943.hdr.sgml : 20131211
<ACCEPTANCE-DATETIME>20131211162245
ACCESSION NUMBER:		0000902664-13-003943
CONFORMED SUBMISSION TYPE:	SC 13D/A
PUBLIC DOCUMENT COUNT:		22
FILED AS OF DATE:		20131211
DATE AS OF CHANGE:		20131211

SUBJECT COMPANY:	

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			MFC Industrial Ltd.
		CENTRAL INDEX KEY:			0000016859
		STANDARD INDUSTRIAL CLASSIFICATION:	WHOLESALE-METALS, MINERALS (NO PETROLEUM) [5050]
		IRS NUMBER:				131818111
		STATE OF INCORPORATION:			A1
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		SC 13D/A
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	005-54859
		FILM NUMBER:		131271169

	BUSINESS ADDRESS:	
		STREET 1:		SUITE 1620 - 400 BURRARD
		CITY:			VANCOUVER
		STATE:			A1
		ZIP:			V6C 3A6
		BUSINESS PHONE:		604-683-5767

	MAIL ADDRESS:	
		STREET 1:		SUITE 1620 - 400 BURRARD
		CITY:			VANCOUVER
		STATE:			A1
		ZIP:			V6C 3A6

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	TERRA NOVA ROYALTY Corp
		DATE OF NAME CHANGE:	20100330

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	KHD HUMBOLDT WEDAG INTERNATIONAL LTD.
		DATE OF NAME CHANGE:	20051103

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	MFC BANCORP LTD
		DATE OF NAME CHANGE:	19970313

FILED BY:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			KELLOGG PETER R
		CENTRAL INDEX KEY:			0000897485

	FILING VALUES:
		FORM TYPE:		SC 13D/A

	MAIL ADDRESS:	
		STREET 1:		48 WALL STREET
		STREET 2:		C/O IAT REINSURANCE CO LTD
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10005
</SEC-HEADER>
<DOCUMENT>
<TYPE>SC 13D/A
<SEQUENCE>1
<FILENAME>p13-2097sc13da.htm
<DESCRIPTION>MFC INDUSTRIAL LTD.
<TEXT>
<HTML>
<HEAD>
<TITLE></TITLE>
</HEAD>
<BODY>


<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<TR>
    <TD STYLE="vertical-align: top; width: 99%; padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Times New Roman, Times, Serif; text-align: center">SECURITIES AND EXCHANGE COMMISSION</TD>
    <TD STYLE="width: 1%; font: 11pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top; font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">Washington, D.C. 20549</TD>
    <TD STYLE="font: 11pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top; font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="font: 11pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">SCHEDULE 13D/A</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">Under the Securities Exchange Act of 1934</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">(Amendment No. 6)*</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0; text-align: center; border-bottom: Black 0.75pt solid">MFC Industrial
        Ltd.</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">(Name of Issuer)</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0; text-align: center; border-bottom: Black 0.75pt solid">Common Stock,
        no par value</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">(Title of Class of Securities)</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0; text-align: center; border-bottom: Black 0.75pt solid">55278T105</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">(CUSIP Number)</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; border-bottom: Black 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0; text-align: center">Peter R. Kellogg</P>
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0; text-align: center">48 Wall Street</P>
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0; text-align: center">30th Floor</P>
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0; text-align: center">New York, New York 10005</P>
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0; text-align: center">(212) 389-5841</P>
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0; text-align: center">With a copy to:</P>
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0; text-align: center">Marc Weingarten and David Rosewater</P>
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0; text-align: center">Schulte Roth &amp; Zabel LLP</P>
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0; text-align: center">919 Third Avenue</P>
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0; text-align: center; border-bottom: Black 1pt solid">New York, New York 10022</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">(Name, Address and Telephone Number of Person</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">Authorized to Receive Notices and Communications)</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0; text-align: center; border-bottom: Black 0.75pt solid">December
        9, 2013</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">(Date of Event Which Requires Filing of This Statement)</TD></TR>
</TABLE>
<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt">If the filing person has previously filed a statement on
Schedule 13G to report the acquisition that is the subject of this Schedule 13D, and is filing this schedule because of Rule 13d-1(e),
Rule 13d-1(f) or Rule 13d-1(g), check the following box. [ ]</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center">(Page 1 of 6 Pages)</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0">______________________________</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0">* The remainder of this cover page shall be filled out for a reporting
person's initial filing on this form with respect to the subject class of securities, and for any subsequent amendment containing
information which would alter disclosures provided in a prior cover page.</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0">The information required on the remainder of this cover page shall
not be deemed to be &quot;filed&quot; for the purpose of Section 18 of the Securities Exchange Act of 1934 (&quot;Act&quot;) or
otherwise subject to the liabilities of that section of the Act but shall be subject to all other provisions of the Act (however,
see the Notes).</P>


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    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: bold 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 33%">CUSIP No. 55278T105</TD><TD STYLE="text-align: center; width: 34%">SCHEDULE 13D/A</TD><TD STYLE="text-align: right; width: 33%">Page 2 of 6 Pages</TD></TR></TABLE></DIV>
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<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="border-top: windowtext 1pt solid; border-left: windowtext 1pt solid; font: 11pt Times New Roman, Times, Serif; padding-top: 3.8pt; padding-bottom: 6pt; text-align: center"><B>1</B></TD>
    <TD COLSPAN="4" STYLE="border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 6pt; padding-left: 6pt">
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 3pt 0 0">NAME OF REPORTING PERSONS</P>
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 6pt 0.25in">Peter R. Kellogg</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-top: windowtext 1pt solid; border-left: windowtext 1pt solid; font: 11pt Times New Roman, Times, Serif; padding-top: 3.8pt; padding-bottom: 6pt; text-align: center"><B>2</B></TD>
    <TD COLSPAN="2" STYLE="border-top: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; font: 11pt Times New Roman, Times, Serif; padding-top: 3pt; padding-right: 6pt; padding-left: 6pt"><FONT STYLE="font-size: 11pt">CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP</FONT></TD>
    <TD COLSPAN="2" STYLE="border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 6pt; padding-left: 6pt">
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 3pt 0 0">(a)&nbsp;<FONT STYLE="font-family: Wingdings 2">&#83;</FONT></P>
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0">(b)&nbsp;<FONT STYLE="font-family: Wingdings">&uml;</FONT></P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-top: windowtext 1pt solid; border-left: windowtext 1pt solid; font: 11pt Times New Roman, Times, Serif; padding-top: 3.8pt; padding-bottom: 6pt; text-align: center"><B>3</B></TD>
    <TD COLSPAN="4" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 6pt; padding-left: 6pt">
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 3pt 0 0">SEC USE ONLY</P>
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 3pt 0 0">&nbsp;</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-top: windowtext 1pt solid; border-left: windowtext 1pt solid; font: 11pt Times New Roman, Times, Serif; padding-top: 3.8pt; padding-bottom: 6pt; text-align: center"><B>4</B></TD>
    <TD COLSPAN="4" STYLE="border-right: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 6pt; padding-left: 6pt">
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 3pt 0 0">SOURCE OF FUNDS</P>
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 6pt 0.25in">OO</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-top: windowtext 1pt solid; border-left: windowtext 1pt solid; font: 11pt Times New Roman, Times, Serif; padding-top: 3.8pt; padding-bottom: 6pt; text-align: center"><B>5</B></TD>
    <TD COLSPAN="2" STYLE="border-top: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; font: 11pt Times New Roman, Times, Serif; padding: 3pt 6pt 6pt"><FONT STYLE="font-size: 11pt">CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDING IS REQUIRED PURSUANT TO ITEM 2(d) or 2(e)</FONT></TD>
    <TD COLSPAN="2" STYLE="border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; font: 11pt Times New Roman, Times, Serif; padding-top: 3pt; padding-right: 6pt; padding-left: 6pt"><FONT STYLE="font-family: Wingdings">&uml;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-top: windowtext 1pt solid; border-left: windowtext 1pt solid; font: 11pt Times New Roman, Times, Serif; padding-top: 3.8pt; padding-bottom: 6pt; text-align: center"><B>6</B></TD>
    <TD COLSPAN="4" STYLE="border-right: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 6pt; padding-left: 6pt">
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 3pt 0 0">CITIZENSHIP OR PLACE OF ORGANIZATION</P>
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 6pt 0.25in">United States</P></TD></TR>
<TR>
    <TD ROWSPAN="4" STYLE="border-top: windowtext 1pt solid; border-left: windowtext 1pt solid; font: 11pt Times New Roman, Times, Serif; padding-top: 3pt; padding-right: 6pt; padding-left: 6pt; text-align: center"><FONT STYLE="font-size: 11pt">NUMBER OF</FONT><BR>
<FONT STYLE="font-size: 11pt">SHARES</FONT><BR>
<FONT STYLE="font-size: 11pt">BENEFICIALLY</FONT><BR>
<FONT STYLE="font-size: 11pt">OWNED BY</FONT><BR>
<FONT STYLE="font-size: 11pt">EACH</FONT><BR>
<FONT STYLE="font-size: 11pt">REPORTING</FONT><BR>
<FONT STYLE="font-size: 11pt">PERSON WITH</FONT></TD>
    <TD STYLE="vertical-align: top; border-top: windowtext 1pt solid; border-left: windowtext 1pt solid; font: 11pt Times New Roman, Times, Serif; padding-top: 3.8pt; padding-bottom: 6pt; text-align: center"><B>7</B></TD>
    <TD COLSPAN="3" STYLE="vertical-align: top; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 6pt; padding-left: 6pt">
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 3pt 0 0">SOLE VOTING POWER</P>
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 6pt 0.25in">20,662,400</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-top: windowtext 1pt solid; border-left: windowtext 1pt solid; font: 11pt Times New Roman, Times, Serif; padding-top: 3.8pt; padding-bottom: 6pt; text-align: center"><B>8</B></TD>
    <TD COLSPAN="3" STYLE="border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 6pt; padding-left: 6pt">
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 3pt 0 0">SHARED VOTING POWER</P>
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 6pt 0.25in">&nbsp;</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-top: windowtext 1pt solid; border-left: windowtext 1pt solid; font: 11pt Times New Roman, Times, Serif; padding-top: 3.8pt; padding-bottom: 6pt; text-align: center"><B>9</B></TD>
    <TD COLSPAN="3" STYLE="border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 6pt; padding-left: 6pt">
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 3pt 0 0">SOLE DISPOSITIVE POWER</P>
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 6pt 0.25in">20,662,400</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-top: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; font: 11pt Times New Roman, Times, Serif; padding-top: 3.8pt; padding-bottom: 6pt; text-align: center"><B>10</B></TD>
    <TD COLSPAN="3" STYLE="border: windowtext 1pt solid; padding-right: 6pt; padding-left: 6pt">
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 3pt 0 0">SHARED DISPOSITIVE POWER</P>
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 6pt 0.25in">&nbsp;</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-top: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; font: 11pt Times New Roman, Times, Serif; padding-top: 3.8pt; padding-bottom: 6pt; text-align: center"><B>11</B></TD>
    <TD COLSPAN="4" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 6pt; padding-left: 6pt">
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 3pt 0 0">AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH PERSON</P>
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 6pt 0.25in">20,662,400</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; font: 11pt Times New Roman, Times, Serif; padding-top: 3.8pt; padding-bottom: 6pt; text-align: center"><B>12</B></TD>
    <TD COLSPAN="3" STYLE="border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; font: 11pt Times New Roman, Times, Serif; padding-top: 3pt; padding-right: 6pt; padding-left: 6pt"><FONT STYLE="font-size: 11pt">CHECK IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN SHARES</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; font: 11pt Times New Roman, Times, Serif; padding-top: 3pt; padding-right: 6pt; padding-left: 6pt"><FONT STYLE="font-family: Wingdings">&uml;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-left: windowtext 1pt solid; font: 11pt Times New Roman, Times, Serif; padding-top: 3.8pt; padding-bottom: 6pt; text-align: center"><B>13</B></TD>
    <TD COLSPAN="4" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 6pt; padding-left: 6pt">
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 3pt 0 0">PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11) (see Item
        5)</P>
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 6pt 0.25in">33.0%</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-top: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; font: 11pt Times New Roman, Times, Serif; padding-top: 3.8pt; padding-bottom: 6pt; text-align: center"><B>14</B></TD>
    <TD COLSPAN="4" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 6pt; padding-left: 6pt">
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 3pt 0 0">TYPE OF REPORTING PERSON</P>
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 6pt 0.25in">IN</P></TD></TR>
<TR>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="width: 91px">&nbsp;</TD>
    <TD STYLE="width: 377px">&nbsp;</TD>
    <TD STYLE="width: 2px">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
</TABLE>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: bold 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 33%">CUSIP No. 55278T105</TD><TD STYLE="text-align: center; width: 34%">SCHEDULE 13D/A</TD><TD STYLE="text-align: right; width: 33%">Page 3 of 6 Pages</TD></TR></TABLE></DIV>
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<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="border-top: windowtext 1pt solid; border-left: windowtext 1pt solid; font: 11pt Times New Roman, Times, Serif; padding-top: 3.8pt; padding-bottom: 6pt; text-align: center"><B>1</B></TD>
    <TD COLSPAN="4" STYLE="border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 6pt; padding-left: 6pt">
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 3pt 0 0">NAME OF REPORTING PERSONS</P>
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 6pt 0.25in">IAT Reinsurance Company Ltd.</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-top: windowtext 1pt solid; border-left: windowtext 1pt solid; font: 11pt Times New Roman, Times, Serif; padding-top: 3.8pt; padding-bottom: 6pt; text-align: center"><B>2</B></TD>
    <TD COLSPAN="2" STYLE="border-top: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; font: 11pt Times New Roman, Times, Serif; padding-top: 3pt; padding-right: 6pt; padding-left: 6pt"><FONT STYLE="font-size: 11pt">CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP</FONT></TD>
    <TD COLSPAN="2" STYLE="border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 6pt; padding-left: 6pt">
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 3pt 0 0">(a)&nbsp;<FONT STYLE="font-family: Wingdings 2">&#83;</FONT></P>
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0">(b)&nbsp;<FONT STYLE="font-family: Wingdings">&uml;</FONT></P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-top: windowtext 1pt solid; border-left: windowtext 1pt solid; font: 11pt Times New Roman, Times, Serif; padding-top: 3.8pt; padding-bottom: 6pt; text-align: center"><B>3</B></TD>
    <TD COLSPAN="4" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 6pt; padding-left: 6pt">
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 3pt 0 0">SEC USE ONLY</P>
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 3pt 0 0">&nbsp;</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-top: windowtext 1pt solid; border-left: windowtext 1pt solid; font: 11pt Times New Roman, Times, Serif; padding-top: 3.8pt; padding-bottom: 6pt; text-align: center"><B>4</B></TD>
    <TD COLSPAN="4" STYLE="border-right: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 6pt; padding-left: 6pt">
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 3pt 0 0">SOURCE OF FUNDS</P>
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 6pt 0.25in">WC</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-top: windowtext 1pt solid; border-left: windowtext 1pt solid; font: 11pt Times New Roman, Times, Serif; padding-top: 3.8pt; padding-bottom: 6pt; text-align: center"><B>5</B></TD>
    <TD COLSPAN="2" STYLE="border-top: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; font: 11pt Times New Roman, Times, Serif; padding: 3pt 6pt 6pt"><FONT STYLE="font-size: 11pt">CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDING IS REQUIRED PURSUANT TO ITEM 2(d) or 2(e)</FONT></TD>
    <TD COLSPAN="2" STYLE="border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; font: 11pt Times New Roman, Times, Serif; padding-top: 3pt; padding-right: 6pt; padding-left: 6pt"><FONT STYLE="font-family: Wingdings">&uml;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-top: windowtext 1pt solid; border-left: windowtext 1pt solid; font: 11pt Times New Roman, Times, Serif; padding-top: 3.8pt; padding-bottom: 6pt; text-align: center"><B>6</B></TD>
    <TD COLSPAN="4" STYLE="border-right: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 6pt; padding-left: 6pt">
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 3pt 0 0">CITIZENSHIP OR PLACE OF ORGANIZATION</P>
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 6pt 0.25in">Bermuda</P></TD></TR>
<TR>
    <TD ROWSPAN="4" STYLE="border-top: windowtext 1pt solid; border-left: windowtext 1pt solid; font: 11pt Times New Roman, Times, Serif; padding-top: 3pt; padding-right: 6pt; padding-left: 6pt; text-align: center"><FONT STYLE="font-size: 11pt">NUMBER OF</FONT><BR>
<FONT STYLE="font-size: 11pt">SHARES</FONT><BR>
<FONT STYLE="font-size: 11pt">BENEFICIALLY</FONT><BR>
<FONT STYLE="font-size: 11pt">OWNED BY</FONT><BR>
<FONT STYLE="font-size: 11pt">EACH</FONT><BR>
<FONT STYLE="font-size: 11pt">REPORTING</FONT><BR>
<FONT STYLE="font-size: 11pt">PERSON WITH</FONT></TD>
    <TD STYLE="vertical-align: top; border-top: windowtext 1pt solid; border-left: windowtext 1pt solid; font: 11pt Times New Roman, Times, Serif; padding-top: 3.8pt; padding-bottom: 6pt; text-align: center"><B>7</B></TD>
    <TD COLSPAN="3" STYLE="vertical-align: top; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 6pt; padding-left: 6pt">
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 3pt 0 0">SOLE VOTING POWER</P>
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 6pt 0.25in">13,405,000</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-top: windowtext 1pt solid; border-left: windowtext 1pt solid; font: 11pt Times New Roman, Times, Serif; padding-top: 3.8pt; padding-bottom: 6pt; text-align: center"><B>8</B></TD>
    <TD COLSPAN="3" STYLE="border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 6pt; padding-left: 6pt">
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 3pt 0 0">SHARED VOTING POWER</P>
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 6pt 0.25in">&nbsp;</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-top: windowtext 1pt solid; border-left: windowtext 1pt solid; font: 11pt Times New Roman, Times, Serif; padding-top: 3.8pt; padding-bottom: 6pt; text-align: center"><B>9</B></TD>
    <TD COLSPAN="3" STYLE="border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 6pt; padding-left: 6pt">
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 3pt 0 0">SOLE DISPOSITIVE POWER</P>
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 6pt 0.25in">13,405,000</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-top: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; font: 11pt Times New Roman, Times, Serif; padding-top: 3.8pt; padding-bottom: 6pt; text-align: center"><B>10</B></TD>
    <TD COLSPAN="3" STYLE="border: windowtext 1pt solid; padding-right: 6pt; padding-left: 6pt">
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 3pt 0 0">SHARED DISPOSITIVE POWER</P>
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 6pt 0.25in">&nbsp;</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-top: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; font: 11pt Times New Roman, Times, Serif; padding-top: 3.8pt; padding-bottom: 6pt; text-align: center"><B>11</B></TD>
    <TD COLSPAN="4" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 6pt; padding-left: 6pt">
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 3pt 0 0">AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH PERSON</P>
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 6pt 0.25in">13,405,000</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; font: 11pt Times New Roman, Times, Serif; padding-top: 3.8pt; padding-bottom: 6pt; text-align: center"><B>12</B></TD>
    <TD COLSPAN="3" STYLE="border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; font: 11pt Times New Roman, Times, Serif; padding-top: 3pt; padding-right: 6pt; padding-left: 6pt"><FONT STYLE="font-size: 11pt">CHECK IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN SHARES</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; font: 11pt Times New Roman, Times, Serif; padding-top: 3pt; padding-right: 6pt; padding-left: 6pt"><FONT STYLE="font-family: Wingdings">&uml;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-left: windowtext 1pt solid; font: 11pt Times New Roman, Times, Serif; padding-top: 3.8pt; padding-bottom: 6pt; text-align: center"><B>13</B></TD>
    <TD COLSPAN="4" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 6pt; padding-left: 6pt">
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 3pt 0 0">PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11) (see Item
        5)</P>
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 6pt 0.25in">21.4%</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-top: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; font: 11pt Times New Roman, Times, Serif; padding-top: 3.8pt; padding-bottom: 6pt; text-align: center"><B>14</B></TD>
    <TD COLSPAN="4" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 6pt; padding-left: 6pt">
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 3pt 0 0">TYPE OF REPORTING PERSON</P>
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 6pt 0.25in">CO</P></TD></TR>
<TR>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="width: 91px">&nbsp;</TD>
    <TD STYLE="width: 377px">&nbsp;</TD>
    <TD STYLE="width: 2px">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
</TABLE>

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    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: bold 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 33%">CUSIP No. 55278T105</TD><TD STYLE="text-align: center; width: 34%">SCHEDULE 13D/A</TD><TD STYLE="text-align: right; width: 33%">Page 4 of 6 Pages</TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0">&nbsp;&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="border-top: windowtext 1pt solid; border-left: windowtext 1pt solid; font: 11pt Times New Roman, Times, Serif; padding-top: 3.8pt; padding-bottom: 6pt; text-align: center"><B>1</B></TD>
    <TD COLSPAN="4" STYLE="border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 6pt; padding-left: 6pt">
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 3pt 0 0">NAME OF REPORTING PERSONS</P>
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 6pt 0.25in">William C. Horn III</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-top: windowtext 1pt solid; border-left: windowtext 1pt solid; font: 11pt Times New Roman, Times, Serif; padding-top: 3.8pt; padding-bottom: 6pt; text-align: center"><B>2</B></TD>
    <TD COLSPAN="2" STYLE="border-top: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; font: 11pt Times New Roman, Times, Serif; padding-top: 3pt; padding-right: 6pt; padding-left: 6pt"><FONT STYLE="font-size: 11pt">CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP</FONT></TD>
    <TD COLSPAN="2" STYLE="border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 6pt; padding-left: 6pt">
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 3pt 0 0">(a)&nbsp;<FONT STYLE="font-family: Wingdings 2">&#83;</FONT></P>
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0">(b)&nbsp;<FONT STYLE="font-family: Wingdings">&uml;</FONT></P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-top: windowtext 1pt solid; border-left: windowtext 1pt solid; font: 11pt Times New Roman, Times, Serif; padding-top: 3.8pt; padding-bottom: 6pt; text-align: center"><B>3</B></TD>
    <TD COLSPAN="4" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 6pt; padding-left: 6pt">
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 3pt 0 0">SEC USE ONLY</P>
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 3pt 0 0">&nbsp;</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-top: windowtext 1pt solid; border-left: windowtext 1pt solid; font: 11pt Times New Roman, Times, Serif; padding-top: 3.8pt; padding-bottom: 6pt; text-align: center"><B>4</B></TD>
    <TD COLSPAN="4" STYLE="border-right: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 6pt; padding-left: 6pt">
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 3pt 0 0">SOURCE OF FUNDS</P>
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 6pt 0.25in">PF</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-top: windowtext 1pt solid; border-left: windowtext 1pt solid; font: 11pt Times New Roman, Times, Serif; padding-top: 3.8pt; padding-bottom: 6pt; text-align: center"><B>5</B></TD>
    <TD COLSPAN="2" STYLE="border-top: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; font: 11pt Times New Roman, Times, Serif; padding: 3pt 6pt 6pt"><FONT STYLE="font-size: 11pt">CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDING IS REQUIRED PURSUANT TO ITEM 2(d) or 2(e)</FONT></TD>
    <TD COLSPAN="2" STYLE="border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; font: 11pt Times New Roman, Times, Serif; padding-top: 3pt; padding-right: 6pt; padding-left: 6pt"><FONT STYLE="font-family: Wingdings">&uml;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-top: windowtext 1pt solid; border-left: windowtext 1pt solid; font: 11pt Times New Roman, Times, Serif; padding-top: 3.8pt; padding-bottom: 6pt; text-align: center"><B>6</B></TD>
    <TD COLSPAN="4" STYLE="border-right: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 6pt; padding-left: 6pt">
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 3pt 0 0">CITIZENSHIP OR PLACE OF ORGANIZATION</P>
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 6pt 0.25in">United States</P></TD></TR>
<TR>
    <TD ROWSPAN="4" STYLE="border-top: windowtext 1pt solid; border-left: windowtext 1pt solid; font: 11pt Times New Roman, Times, Serif; padding-top: 3pt; padding-right: 6pt; padding-left: 6pt; text-align: center"><FONT STYLE="font-size: 11pt">NUMBER OF</FONT><BR>
<FONT STYLE="font-size: 11pt">SHARES</FONT><BR>
<FONT STYLE="font-size: 11pt">BENEFICIALLY</FONT><BR>
<FONT STYLE="font-size: 11pt">OWNED BY</FONT><BR>
<FONT STYLE="font-size: 11pt">EACH</FONT><BR>
<FONT STYLE="font-size: 11pt">REPORTING</FONT><BR>
<FONT STYLE="font-size: 11pt">PERSON WITH</FONT></TD>
    <TD STYLE="vertical-align: top; border-top: windowtext 1pt solid; border-left: windowtext 1pt solid; font: 11pt Times New Roman, Times, Serif; padding-top: 3.8pt; padding-bottom: 6pt; text-align: center"><B>7</B></TD>
    <TD COLSPAN="3" STYLE="vertical-align: top; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 6pt; padding-left: 6pt">
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 3pt 0 0">SOLE VOTING POWER</P>
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 6pt 0.25in">618</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-top: windowtext 1pt solid; border-left: windowtext 1pt solid; font: 11pt Times New Roman, Times, Serif; padding-top: 3.8pt; padding-bottom: 6pt; text-align: center"><B>8</B></TD>
    <TD COLSPAN="3" STYLE="border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 6pt; padding-left: 6pt">
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 3pt 0 0">SHARED VOTING POWER</P>
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 6pt 0.25in">&nbsp;</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-top: windowtext 1pt solid; border-left: windowtext 1pt solid; font: 11pt Times New Roman, Times, Serif; padding-top: 3.8pt; padding-bottom: 6pt; text-align: center"><B>9</B></TD>
    <TD COLSPAN="3" STYLE="border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 6pt; padding-left: 6pt">
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 3pt 0 0">SOLE DISPOSITIVE POWER</P>
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 6pt 0.25in">618</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-top: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; font: 11pt Times New Roman, Times, Serif; padding-top: 3.8pt; padding-bottom: 6pt; text-align: center"><B>10</B></TD>
    <TD COLSPAN="3" STYLE="border: windowtext 1pt solid; padding-right: 6pt; padding-left: 6pt">
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 3pt 0 0">SHARED DISPOSITIVE POWER</P>
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 6pt 0.25in">&nbsp;</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-top: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; font: 11pt Times New Roman, Times, Serif; padding-top: 3.8pt; padding-bottom: 6pt; text-align: center"><B>11</B></TD>
    <TD COLSPAN="4" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 6pt; padding-left: 6pt">
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 3pt 0 0">AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH PERSON</P>
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 6pt 0.25in">618</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; font: 11pt Times New Roman, Times, Serif; padding-top: 3.8pt; padding-bottom: 6pt; text-align: center"><B>12</B></TD>
    <TD COLSPAN="3" STYLE="border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; font: 11pt Times New Roman, Times, Serif; padding-top: 3pt; padding-right: 6pt; padding-left: 6pt"><FONT STYLE="font-size: 11pt">CHECK IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN SHARES</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; font: 11pt Times New Roman, Times, Serif; padding-top: 3pt; padding-right: 6pt; padding-left: 6pt"><FONT STYLE="font-family: Wingdings">&uml;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-left: windowtext 1pt solid; font: 11pt Times New Roman, Times, Serif; padding-top: 3.8pt; padding-bottom: 6pt; text-align: center"><B>13</B></TD>
    <TD COLSPAN="4" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 6pt; padding-left: 6pt">
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 3pt 0 0">PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11) (see Item
        5)</P>
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 6pt 0.25in">0.0%</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-top: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; font: 11pt Times New Roman, Times, Serif; padding-top: 3.8pt; padding-bottom: 6pt; text-align: center"><B>14</B></TD>
    <TD COLSPAN="4" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 6pt; padding-left: 6pt">
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 3pt 0 0">TYPE OF REPORTING PERSON</P>
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 6pt 0.25in">IN</P></TD></TR>
<TR>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="width: 91px">&nbsp;</TD>
    <TD STYLE="width: 377px">&nbsp;</TD>
    <TD STYLE="width: 2px">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
</TABLE>

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    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: bold 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 33%">CUSIP No. 55278T105</TD><TD STYLE="text-align: center; width: 34%">SCHEDULE 13D/A</TD><TD STYLE="text-align: right; width: 33%">Page 5 of 6 Pages</TD></TR></TABLE></DIV>
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<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 14%; padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Times New Roman, Times, Serif"><B>Introduction</B></TD>
    <TD STYLE="width: 86%; padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">This Amendment No. 6 (&quot;AMENDMENT NO. 6&quot;)
        to Schedule 13D is being filed pursuant to Rule 13d-1(f) regarding shares of the common stock, no par value per share (the &quot;SHARES&quot;),
        of MFC Industrial Ltd., a British Columbia corporation (the &quot;COMPANY&quot;), that may be deemed to be beneficially owned by
        Peter R. Kellogg (&quot;MR. KELLOGG &quot;), IAT Reinsurance Company Ltd., a Bermuda limited liability company (&quot;IAT&quot;
        and together with Mr. Kellogg, the &quot;IAT GROUP&quot;), and William C. Horn III (&quot;MR. HORN&quot;). IAT, Mr. Kellogg and
        Mr. Horn are each referred hereto as a Reporting Person, and are collectively referred to as the Reporting Persons.</P>
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">This Amendment No. 6 amends and supplements
        the statement on Schedule 13D dated February 9, 2001, as amended from time to time, relating to the Shares. This Amendment No.
        6 reflects transactions and developments through December 9, 2013, relating to such Reporting Persons' holdings of the Company.
        Only those items hereby reported in this Amendment No. 6 are amended and all other items remain unchanged. Terms used herein but
        not otherwise defined shall have the meanings set forth in Schedule 13D, as amended.</P>
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P></TD></TR>
</TABLE>
<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 11%; padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Times New Roman, Times, Serif"><B>Item 4.</B></TD>
    <TD STYLE="width: 89%; padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Times New Roman, Times, Serif"><B>PURPOSE OF TRANSACTION</B></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Item 4 of the Schedule 13D is hereby amended
        and supplemented by the addition of the following:</P>
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">On December 9, 2013,
        the IAT Group issued a press release announcing that the IAT Group filed its proxy circular in connection with the Annual General
        and Special Meeting of Shareholders of the Company to be held on December 27, 2013. The foregoing summary of the press release
        and proxy circular is qualified in its entirety by reference to the full text of the press release and proxy circular, copies of
        which are attached as Exhibits 6 and 7, respectively, to this Schedule 13D and are incorporated by reference herein.</P></TD></TR>
</TABLE>
<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 11%; padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Times New Roman, Times, Serif"><B>Item 7.</B></TD>
    <TD STYLE="width: 89%; padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Times New Roman, Times, Serif"><B>EXHIBITS</B></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt"><B>&nbsp;</B></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0">Item 7 is hereby amended and supplemented by the addition of the
        following:</P>
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt"><B><U>Exhibit</U></B></TD>
    <TD STYLE="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt"><B><U>Description</U></B></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0; text-align: center">6</P>
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0; text-align: center">7</P>
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0">Press Release, dated December 9, 2013.</P>
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0">Proxy Circular, dated December 9, 2013.</P>
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P></TD></TR>
</TABLE>
<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>


<!-- Field: Page; Sequence: 5 -->
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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: bold 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 33%">CUSIP No. 55278T105</TD><TD STYLE="text-align: center; width: 34%">SCHEDULE 13D/A</TD><TD STYLE="text-align: right; width: 33%">Page 6 of 6 Pages</TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: bold 11pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center">SIGNATURES</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">After reasonable inquiry and to the best
of its knowledge and belief, each of the undersigned certifies that the information set forth in this statement is true, complete
and correct.</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0">Date: December 11, 2013</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt"><B>IAT REINSURANCE COMPANY LTD.</B></TD>
    <TD STYLE="font: 11pt Times New Roman, Times, Serif; padding-right: 5.75pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 2%; padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 8%; padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 66%; padding-right: 5.75pt">
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD>
    <TD STYLE="width: 24%; padding-right: 5.75pt; font: 11pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt">By:</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; font: 11pt Times New Roman, Times, Serif; padding-right: 5.75pt">/s/ Marguerite R. Gorman, attorney in fact</TD>
    <TD STYLE="font: 11pt Times New Roman, Times, Serif; padding-right: 5.75pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt">Name:</TD>
    <TD STYLE="font: 11pt Times New Roman, Times, Serif; padding-right: 5.75pt">Peter R. Kellogg</TD>
    <TD STYLE="font: 11pt Times New Roman, Times, Serif; padding-right: 5.75pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt">Title:</TD>
    <TD STYLE="font: 11pt Times New Roman, Times, Serif; padding-right: 5.75pt">President and Chief Executive Officer</TD>
    <TD STYLE="font: 11pt Times New Roman, Times, Serif; padding-right: 5.75pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.75pt">
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD>
    <TD STYLE="font: 11pt Times New Roman, Times, Serif; padding-right: 5.75pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-bottom: 1pt; padding-left: 5.4pt; border-bottom: Black 1pt solid">/s/ Marguerite R. Gorman, attorney in fact</TD>
    <TD STYLE="font: 11pt Times New Roman, Times, Serif; padding-right: 5.75pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt"><B>Peter R. Kellogg</B></TD>
    <TD STYLE="font: 11pt Times New Roman, Times, Serif; padding-right: 5.75pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="font: 11pt Times New Roman, Times, Serif; padding-right: 5.75pt">&nbsp;</TD>
    <TD STYLE="font: 11pt Times New Roman, Times, Serif; padding-right: 5.75pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="font: 11pt Times New Roman, Times, Serif; padding-right: 5.75pt">&nbsp;</TD>
    <TD STYLE="font: 11pt Times New Roman, Times, Serif; padding-right: 5.75pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="font: 11pt Times New Roman, Times, Serif; padding-right: 5.75pt">&nbsp;</TD>
    <TD STYLE="font: 11pt Times New Roman, Times, Serif; padding-right: 5.75pt">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

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<TR STYLE="vertical-align: top">
    <TD STYLE="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="font: 11pt Times New Roman, Times, Serif; padding-right: 5.75pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 2%; padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 8%; padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 66%; padding-right: 5.75pt">
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD>
    <TD STYLE="width: 24%; padding-right: 5.75pt; font: 11pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-bottom: 1pt; padding-left: 5.4pt; border-bottom: Black 1pt solid">/s/ William C. Horn III</TD>
    <TD STYLE="font: 11pt Times New Roman, Times, Serif; padding-right: 5.75pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt"><B>William C. Horn III</B></TD>
    <TD STYLE="font: 11pt Times New Roman, Times, Serif; padding-right: 5.75pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="font: 11pt Times New Roman, Times, Serif; padding-right: 5.75pt">&nbsp;</TD>
    <TD STYLE="font: 11pt Times New Roman, Times, Serif; padding-right: 5.75pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="font: 11pt Times New Roman, Times, Serif; padding-right: 5.75pt">&nbsp;</TD>
    <TD STYLE="font: 11pt Times New Roman, Times, Serif; padding-right: 5.75pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="font: 11pt Times New Roman, Times, Serif; padding-right: 5.75pt">&nbsp;</TD>
    <TD STYLE="font: 11pt Times New Roman, Times, Serif; padding-right: 5.75pt">&nbsp;</TD></TR>
</TABLE>

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<DESCRIPTION>EXHIBIT 6
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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 0 3.5in; text-indent: 0.5in; text-align: right">EXHIBIT 6</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: right">&nbsp;</P>

<P STYLE="font: 10.5pt Times New Roman, Times, Serif; margin-top: 0; text-align: center; margin-bottom: 0"><B><U>Press Release, dated December 9, 2013</U></B></P>



<P STYLE="margin: 0"></P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0"></P>

<P STYLE="font: 11pt Book Antiqua, Times, Serif; margin: 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>IAT
REINSURANCE FileS ITS PROXY Circular, URGES SHAREHOLDERS TO VOTE THE BLUE PROXY FOR CHANGE AT MFC</B></FONT></P>

<P STYLE="font: 11pt Book Antiqua, Times, Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 11pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">New York, New York, December 9, 2013 -
Mr. Peter R. Kellogg and IAT Reinsurance Company Ltd. (collectively, &ldquo;<B>IAT</B>&rdquo;) today filed its proxy circular (the
&ldquo;<B>Circular</B>&rdquo;) in connection with the Annual General and Special Meeting of Shareholders (the &ldquo;<B>Meeting</B>&rdquo;)
of MFC Industrial Ltd. (NYSE: MIL) (&ldquo;<B>MFC</B>&rdquo;) to be held on December 27, 2013 in Hong Kong.</P>

<P STYLE="font: 11pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">IAT&rsquo;s Circular details the compelling
case for change at MFC and contains detailed information about IAT&rsquo;s plan to unlock shareholder value, IAT&rsquo;s nominees
for the board of directors of MFC (the &ldquo;<B>IAT Nominees</B>&rdquo;), and the many strategic and governance failures that
MFC&rsquo;s current board has allowed to happen. IAT encourages shareholders to carefully consider the matters outlined in the
Circular and highlights the following facts to shareholders. To keep current with further developments, shareholders can visit
<U>www.timeforchangeatMFC.com</U></P>

<P STYLE="font: 11pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: center; border: Black 1pt solid"><B>Do Not be Distracted!
This Vote is About Who is Best Positioned to Create and Unlock <BR>
Value for All Shareholders</B></P>

<P STYLE="font: 11pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">In its proxy circular and press releases,
MFC has gone into breathless overdrive, seeking to accuse IAT of a litany of infractions and put forth a number of paranoid conspiracy
theories about IAT&rsquo;s intentions. MFC&rsquo;s fear mongering is quite simply a sad and transparent attempt to distract shareholders
from considering a very simple proposition: &ndash; <U>which slate of nominees is best positioned to create and unlock value for
all shareholders? </U></P>

<P STYLE="font: 11pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">As fellow shareholders, we know all too
well about the current board&rsquo;s history of value destruction. From January 1, 2008 up to November 30, 2013, a shareholder
in MFC would have suffered a 51.38% decline in their investment, while MFC&rsquo;s own chosen benchmark, the Russell 2000 Index,
increased by 61.88%.</P>

<P STYLE="font: 9pt Sans-Serif; margin-top: 0; margin-bottom: 12pt; text-align: center; color: Red"><IMG SRC="image_001.jpg" ALT="">&nbsp;</P>

<P STYLE="font: 11pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify"></P>

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<P STYLE="font: 11pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify"></P>

<P STYLE="font: 11pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">While MFC points to its accounting
book value, the market has for some time been more focused on the current board&rsquo;s inability to create consistent and meaningful
returns, and shareholders have suffered as a consequence. MFC&rsquo;s actions and even management&rsquo;s public statements (including
in MFC&rsquo;s most recent proxy circular) suggest that they don&rsquo;t care about MFC&rsquo;s share price. Perhaps it is no
wonder then that the current non-executive directors of MFC own little or no stock in MFC. Mr. Kellogg, one of the IAT Nominees,
owns or controls 33% of MFC and shareholders can be assured that his interests will be directly aligned with their interests.</P>

<P STYLE="font: 11pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">MFC needs a strong and experienced board
to work with current management to improve strategic planning, execution and to comprehensively review the corporation&rsquo;s
portfolio of assets. In that regard, the IAT Nominees will bring an extraordinary level of professional experience, financial discipline,
a history of value creation, strategic planning and execution skills.</P>

<P STYLE="font: 11pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">When compared with the current board of
MFC, the IAT Nominees clearly offer the best opportunity for unlocking and creating shareholder value. It&rsquo;s time for change.</P>

<P STYLE="font: 11pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: center; border: Black 1pt solid"><B>MFC&rsquo;s
Strategy has been Poorly Defined and Poorly Executed</B></P>

<P STYLE="font: 11pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">MFC&rsquo;s adoption of the supply-chain
business strategy in 2011 was vague, risky and poorly executed. MFC announced a plan to derive 40-50% of its revenue from captive
sources of commodities that it would otherwise own or control. MFC also stated that it intended to &ldquo;<I>spin out to the shareholders
several assets not directly relevant to the global commodity supply chain operations, or to sell those assets and pay out a special
distribution to the shareholders</I>.&rdquo;</P>

<P STYLE="font: 11pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">Neither of these objectives have materialized.</P>

<P STYLE="font: 11pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">MFC continues to hold assets that are not
in-line with the supply-chain business model adopted in 2011. Despite poor and opaque disclosure, it appears that MFC&rsquo;s principal
revenue sources have remained unchanged since 2010.</P>

<P STYLE="font: 11pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">MFC continues to hold non-core assets like
Chinese eye-centers and medical supply services, German commercial real estate, and a Ugandan power plant. None of which are complementary
to the global commodity supply-chain model. Moreover, an analysis of MFC&rsquo;s entry and exit into several of its non-core businesses
reveals a disturbing pattern of related party transactions.</P>

<P STYLE="font: 11pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">IAT will recommend that the newly constituted
board act quickly to determine if MFC&rsquo;s current strategy and business model is appropriate, and to what extent certain assets
should be rationalized or monetized.</P>

<P STYLE="font: 11pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: center; border: Black 1pt solid"><B>The Governance
Structure is Broken at MFC</B></P>

<P STYLE="font: 11pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify"></P>

<P STYLE="font: 12pt Book Antiqua, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-size: 11pt">The current board of MFC has allowed
Michael Smith to act as the corporation&rsquo;s Chairman, President, CEO and CFO. This is simply unacceptable from a governance
and risk management perspective. It appears that many of the current directors are Mr. Smith&rsquo;s long-time friends and business
colleagues, bringing into question their independence. The current board has also failed to establish any objectives tied to executive
compensation and, despite poor share performance, continue to approve annual bonuses and salary increases. MFC&rsquo;s broken
governance structure has allowed a series of deals to take place which should give all shareholders serious pause for concern.</FONT></P>



<P STYLE="font: 11pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify"></P>

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<P STYLE="font: 11pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify"></P>

<P STYLE="font: 11pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">We have undertaken a detailed review of
MFC&rsquo;s public disclosure record. From that review, it is clear that MFC&rsquo;s corporate governance practices are dismal
at best, and fall significantly short on almost all relevant &ldquo;best practices&rdquo; recommended for public companies. We
invite shareholders to see the details of MFC&rsquo;s failing corporate governance report card in the Circular.</P>

<P STYLE="font: 11pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">The IAT Nominees will act as independent
fiduciaries of MFC and serve in the best interests of the corporation and all shareholders &ndash; not the interests of management.
All IAT Nominees are independent for purposes of applicable securities law and exchange rules and are also independent of MFC,
and with the exception of Peter Kellogg, all IAT Nominees are independent of IAT.</P>

<P STYLE="font: 11pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: center; border: Black 1pt solid"><B>MFC&rsquo;s
Board Continues to Fail to Engage with Shareholders</B></P>

<P STYLE="font: 11pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">A simple illustration of MFC&rsquo;s attitude
towards shareholder engagement is that despite the majority of shares being held in the United States, incorporation in British
Columbia and NYSE listing, shareholder meetings are regularly held in Hong Kong. Shareholders wishing to question management and
the board of MFC will have to leave the continental United States on Christmas Day to reach Hong Kong in time for the December
27, 2013 Meeting. We asked MFC to reconsider the date and place of the meeting to permit more shareholders to attend, but our request
was flatly ignored.</P>

<P STYLE="font: 11pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">IAT has tried for two years to engage with
MFC on numerous occasions and asked for more independent representation on the board. We were rebuffed at every turn. When IAT
notified MFC, fellow shareholders and the market, of our intention to effect change on MFC&rsquo;s board, we were met with a barrage
of legal actions alleging technical disclosure violations, seeking to intimidate its largest shareholder and smear Peter Kellogg&rsquo;s
reputation. Even worse, on the same day MFC released its proxy circular, it announced that its current board unilaterally, and
in our view illegally, amended its articles to disenfranchise all shareholders from their fundamental right to vote on the election
of the corporation&rsquo;s board. These actions, taken together, amount to nothing more than entrenchment and a desperate attempt
to defend the current board using a suspect legal mechanism since the current board can&rsquo;t defend itself on its abysmal track
record.</P>

<P STYLE="font: 11pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: center; border: Black 1pt solid"><B>Enough is enough.
It&rsquo;s time for change at MFC.</B></P>

<P STYLE="font: 11pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">Fellow shareholders, we urge you to review
the Circular, and join IAT in voting your <B><U>BLUE</U></B> proxy for real change at MFC. We expect the current board will continue
to attempt to distract shareholders from their abject failure to create shareholder value. The only question before shareholders
is whether the current board or the IAT Nominees are the best choice for generating shareholder returns.</P>

<P STYLE="font: 11pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">Please cast your vote on the <B><U>BLUE</U></B>
proxy today in support of the IAT Nominees and disregard any materials you may receive from MFC. In order to be counted, your vote
must be deposited with MFC&rsquo;s proxy tabulator prior to the proxy voting deadline of 4:00 p.m. (Hong Kong time) on Tuesday,
December 24, 2013. However, in order to be deposited with MFC&rsquo;s proxy tabulator we urge you to vote the <B><U>BLUE</U></B>
form of proxy so that it is received by Okapi Partners LLC prior to <U>5:00 p.m. (New York time) on Sunday, December 22, 2013.</U></P>

<P STYLE="font: 11pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify"><FONT STYLE="color: black"><B>Even if you
have previously deposited a white proxy or given voting instructions in support of MFC board nominees, you may still change your
vote and support the IAT Nominees by voting your BLUE proxy or voting instruction form</B></FONT>.</P>

<P STYLE="font: 11pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">If you require assistance in casting your
vote, or require replacement proxy materials, please call IAT&rsquo;s proxy solicitation agent, Okapi Partners LLC at <B>1-855-208-8902</B>,
<U>mfcinfo@okapipartners.com</U></P>

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<P STYLE="font: 11pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify"></P>

<P STYLE="font: 11pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">To keep current with further developments,
shareholders of MFC can visit <U>www.timeforchangeatMFC.com</U></P>

<P STYLE="font: 11pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify"><B>About IAT</B></P>

<P STYLE="font: 11pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">IAT is a Class 3-A Bermuda-domiciled reinsurer.
IAT&rsquo;s head office is located at 48 Wall Street, 30<SUP>th</SUP> Floor, New York, NY 10005. IAT is an active underwriter of
commercial and personal lines property and casualty reinsurance and insurance, directly and through its eight wholly-owned insurance
subsidiaries domiciled and licensed in the US.</P>

<P STYLE="font: 11pt Book Antiqua, Times, Serif; margin: 0; text-align: justify">For further information, please contact Bruce
Goldfarb or Pat McHugh at:</P>

<P STYLE="font: 11pt Book Antiqua, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<table cellspacing="0" cellpadding="0" style="width: 100%; border-collapse: collapse">
<tr style="vertical-align: top">
    <td style="width: 100%; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 9pt Sans-Serif; margin: 6pt 0; text-align: center; color: Red"><IMG SRC="image_002.jpg" ALT="">&nbsp;</P>
        <P STYLE="font: 11pt Book Antiqua, Times, Serif; margin: 6pt 0; text-align: center"><b>OKAPI PARTNERS</b></P>
        <P STYLE="font: 11pt Book Antiqua, Times, Serif; margin: 0; text-align: center">437 Madison Avenue, 28<sup>th</sup> Floor</P>
        <P STYLE="font: 11pt Book Antiqua, Times, Serif; margin: 0; text-align: center">New York, N.Y., 10022</P>
        <P STYLE="font: 11pt Book Antiqua, Times, Serif; margin: 0; text-align: center"><u>www.okapipartners.com</u></P>
        <P STYLE="font: 11pt Book Antiqua, Times, Serif; margin: 0; text-align: center">&nbsp;</P></td></tr>
<tr style="vertical-align: top">
    <td style="font: 11pt Book Antiqua, Times, Serif; padding-top: 6pt; padding-bottom: 6pt; text-align: center; text-justify: inter-ideograph"><font style="color: black">North American Toll-Free Phone: </font></td></tr>
<tr style="vertical-align: top">
    <td style="font: bold 11pt Book Antiqua, Times, Serif; padding-top: 6pt; padding-bottom: 6pt; text-align: center"><font style="font-size: 11pt; color: black">1-855-208-8902</font></td></tr>
<tr style="vertical-align: top">
    <td style="font: 11pt Book Antiqua, Times, Serif; padding-top: 6pt; padding-bottom: 6pt; text-align: center; text-justify: inter-ideograph"><font style="color: black">Email: mfcinfo@okapipartners.com</font></td></tr>
<tr style="vertical-align: top">
    <td style="font: 11pt Book Antiqua, Times, Serif; padding-top: 6pt; padding-bottom: 6pt; text-align: center; text-justify: inter-ideograph"><font style="color: black">Facsimile: +1 212 297 1710</font></td></tr>
<tr style="vertical-align: top">
    <td style="font: 11pt Book Antiqua, Times, Serif; padding-top: 6pt; padding-bottom: 6pt; text-align: center; text-justify: inter-ideograph"><b>Outside of North America, Banks and<BR>
 Brokers Call Collect: +</b><font style="font-weight: normal">1 212 297 0720</font></td></tr>
</table>
<P STYLE="font: 11pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 11pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify"><B>Media:</B></P>

<P STYLE="font: 11pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">Riyaz Lalani<BR>
Bayfield Strategy, Inc.<BR>
416-907-9365<BR>
<U>www.bayfieldstrategy.com</U></P>

<P STYLE="font: 11pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify"><B>Information in Support of IAT&rsquo;s
Public Broadcast Solicitation</B></P>

<P STYLE="font: 11pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">The following information is provided in
accordance with Canadian corporate and securities laws applicable to public broadcast solicitations. IAT is relying on the exemption
under section 9.2(4) of National Instrument 51-102 &ndash; <I>Continuous Disclosure Obligations</I> (&ldquo;<B>NI 51-102</B>&rdquo;)
to make this public broadcast solicitation.</P>

<P STYLE="font: 11pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">This solicitation of your support is being
made by IAT and is not by or on behalf of management of MFC.</P>

<P STYLE="font: 11pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify"></P>

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<P STYLE="font: 11pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify"></P>

<P STYLE="font: 11pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">The address for MFC&rsquo;s head office
is 1620-400 Burrard Street, Vancouver, British Columbia, V6C 3A6. The address for MFC&rsquo;s registered office is Suite 1000
&ndash; 925 West Georgia Street, Vancouver, British Columbia, V6C 3L2.</P>



<P STYLE="font: 11pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">In addition to the Circular, IAT has filed
this news release containing the information required by section 9.2(4) of NI 51-102 and has also filed a document containing
certain of the information required by Form 51-102F5 &ndash; <I>Information Circular</I> in respect of, among other things, IAT&rsquo;s
Nominees in connection with their proxy solicitation made by public broadcast in respect of the IAT&rsquo;s Nominees on SEDAR
and for review at www.sedar.com under MFC&rsquo;s profile.</P>

<P STYLE="font: 11pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">Proxies may be solicited by IAT by broadcast,
speech or publication, including websites and other media, as well as exemptions from the solicitation requirements under applicable
securities laws.</P>

<P STYLE="font: 11pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">IAT has entered into an agreement with
Okapi Partners LLC (&ldquo;<B>Okapi</B>&rdquo;) pursuant to which Okapi has agreed to act as IAT&rsquo;s proxy solicitor in the
United States and Canada. Pursuant to this agreement, Okapi will receive an initial fee of $50,000, plus a customary fee for each
call to and from shareholders. In addition, Okapi may be entitled to a fee upon the completion of IAT&rsquo;s solicitation, as
determined by IAT in consultation with Okapi.</P>

<P STYLE="font: 11pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">The costs incurred in the preparation and
mailing of the Circular and the solicitation will be borne directly and indirectly by IAT. However, IAT reserves the right to seek
reimbursement from the MFC of its out-of-pocket expenses, including proxy solicitation expenses, incurred in connection with the
Meeting, as applicable.</P>

<P STYLE="font: 11pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">A registered holder of shares that gives
a proxy may revoke it: (a) by completing and signing a valid proxy bearing a later date and returning it in accordance with the
instructions contained in the form of proxy to be provided by IAT, or as otherwise provided in the Circular, once made available
to shareholders; (b) by depositing an instrument in writing executed by the shareholder or by the shareholder&rsquo;s attorney
authorized in writing, as the case may be: (i) at the same address where the original form of proxy was delivered at any time up
to and including the last business day preceding the day the Meeting or any adjournment or postponement of the Meeting is to be
held, or (ii) with the chairman of the Meeting prior to its commencement on the day of the Meeting or any adjournment or postponement
of the Meeting; or (c) in any other manner permitted by law.</P>

<P STYLE="font: 11pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">A non-registered holder of shares will
be entitled to revoke a form of proxy or voting instruction form given to an intermediary at any time by written notice to the
intermediary in accordance with the instructions given to the non-registered holder by its intermediary.&nbsp; It should be noted
that revocation of proxies or voting instructions by a non-registered holder can take several days or even longer to complete and,
accordingly, any such revocation should be completed well in advance of the deadline prescribed in the form of proxy or voting
instruction form to ensure it is given effect in respect of the Meeting.</P>

<P STYLE="font: 11pt Book Antiqua, Times, Serif; margin: 0; text-align: justify">Neither IAT nor any of its managing members, directors
or officers, or any associates or affiliates of the foregoing, has (i) any material interest, direct or indirect, in any transaction
since the beginning of MFC&rsquo;s most recently completed financial year or in any proposed transaction that has materially affected
or will materially affect MFC or any of its subsidiaries; or (ii) any material interest, direct or indirect, by way of beneficial
ownership of securities or otherwise, in any matter currently known to be acted on at the Meeting other than the election of directors.</P>

<P STYLE="font: 11pt Book Antiqua, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 11pt Book Antiqua, Times, Serif; margin: 0; text-align: justify"></P>

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<P STYLE="font: 11pt Book Antiqua, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 11pt Book Antiqua, Times, Serif; margin: 0; text-align: justify"><B>Notice to United States Shareholders</B></P>

<P STYLE="font: 11pt Book Antiqua, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 11pt Book Antiqua, Times, Serif; margin: 0; text-align: justify">This solicitation is not subject to the requirements
of Section 14(a) of the United States Securities Exchange Act of 1934, as amended (the &ldquo;<B>U.S. Exchange Act</B>&rdquo;).
Accordingly, this solicitation is made in the United States with respect to securities of MFC in accordance with Canadian corporate
and securities laws and this press release has been prepared in accordance with disclosure requirements applicable in Canada. Shareholders
of MFC in the United States should be aware that these Canadian requirements are different from the requirements applicable to
proxy statements under the U.S. Exchange Act.</P>

<P STYLE="font: 11pt Book Antiqua, Times, Serif; margin: 0; text-align: justify"></P>



<P STYLE="font: 11pt Book Antiqua, Times, Serif; margin: 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 11pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify"><B>Forward-looking Statements and Information</B></P>

<P STYLE="font: 11pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0in">Certain information included
in, attached to or incorporated by reference into, this press release, may contain forward-looking statements or forward-looking
information within the meaning of applicable securities laws, including in respect of IAT&rsquo;s and MFC&rsquo;s respective priorities,
plans and strategies for MFC and MFC&rsquo;s anticipated financial and operating performance and business prospects. All statements
and information, other than statements of historical fact, included or incorporated by reference in this press release are forward-looking
statements and forward-looking information, including, without limitation, statements regarding activities, events or developments
that IAT expects or anticipates may occur in the future. Such forward-looking statements and other information in this press release
are based on publicly disclosed information relating to MFC and we disclaim the accuracy and completeness of such information.
These forward-looking statements and information can be identified by the use of forward-looking words such as &ldquo;will&rdquo;,
&ldquo;expect&rdquo;, &ldquo;intend&rdquo;, &ldquo;plan&rdquo;, &ldquo;estimate&rdquo;, &ldquo;anticipate&rdquo;, &ldquo;believe&rdquo;
or &ldquo;continue&rdquo; or similar words and expressions or the negative thereof. There can be no assurance that the plans, intentions
or expectations upon which these forward-looking statements and information are based will occur or, even if they do occur, will
result in the plans, results or performance expected.</P>

<P STYLE="font: 11pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0in"><FONT STYLE="color: black">IAT
cautions readers of this press release not to place undue reliance on forward-looking statements and information contained in this
press release, which are not a guarantee of performance, events or results and are subject to a number of risks, uncertainties
and other factors that could cause actual results, performance or events to differ materially from those expressed or implied by
such forward-looking statements or information. These factors include: changes in strategies, plans or prospects; general economic,
industry, business and market conditions; changes in management and board composition; actions of MFC and its subsidiaries or competitors;
the ability to implement business strategies and plans and pursue business opportunities and conditions in the commodity supply
chain industry; the availability and pricing of commodities; the effects of competition and pricing; risks associated with volume
growth and pricing; industry capacity and fluctuations in market supply and demand; inflationary pressures, including increasing
utility and fuel prices; potential increases in maintenance and operating costs; potential legal and regulatory claims, proceedings
or investigations; ability to realize any anticipated or planned cost savings; disruptions or changes in the credit or securities
markets; risks and liabilities associated with financing, producing, sourcing, processing, transporting and storing commodities;
timing of completion of capital and maintenance projects; changes in applicable laws and regulations; foreign currency and interest
rate fluctuations; labour strikes or lock-outs or unexpected changes in labour productivity; and various other events that could
disrupt MFC&rsquo;s operations, including severe or unusual weather</FONT> <FONT STYLE="color: black">conditions, droughts, floods, avalanches, earthquakes, war,
acts of</FONT> </P>

<P STYLE="font: 11pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0in"></P>

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<P STYLE="font: 11pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 11pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0in"> terrorism and
security threats. MFC&rsquo;s shareholders are cautioned that all forward-looking statements and information involve known and
unknown risks and uncertainties, including those risks and uncertainties detailed in the continuous disclosure and other filings
of MFC with applicable U.S. and Canadian securities commissions, copies of which are available on EDGAR at www.sec.gov and SEDAR
at www.sedar.com.<FONT STYLE="color: black"> IAT urges you to carefully consider those factors.</FONT></P>

<P STYLE="font: 11pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0in">The forward-looking
statements and information contained in this press release are expressly qualified in their entirety by this cautionary statement.
The forward-looking statements and information included in this press release are made as of the date of this press release and
IAT undertakes no obligation to publicly update such forward-looking statements or information to reflect new information, subsequent
events or otherwise, except as required by applicable laws.</P>

<P STYLE="font: 11pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">&nbsp;</P>



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<P STYLE="margin: 0">&nbsp;</P>

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<DOCUMENT>
<TYPE>EX-99
<SEQUENCE>3
<FILENAME>p13-2097proxycircular.htm
<DESCRIPTION>EXHIBIT 7
<TEXT>
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<P STYLE="margin: 0; text-align: right">EXHIBIT 7</P>

<P STYLE="margin-top: 0; text-align: center; margin-bottom: 0"><U>Proxy Circular, dated December 9, 2013</U></P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0"></P>

<P STYLE="font: 18pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: center"><FONT STYLE="color: black; letter-spacing: -0.15pt"><B>TIRED
OF PLAYING </B></FONT><B><FONT STYLE="color: #1F497D; letter-spacing: -0.15pt"><I>HIDE AND SEEK</I></FONT></B><B><FONT STYLE="color: black; letter-spacing: -0.15pt">
WITH MFC?</FONT></B><B><FONT STYLE="color: black; letter-spacing: -0.1pt"> </FONT></B></P>

<P STYLE="font: 13pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: center"><FONT STYLE="letter-spacing: -0.15pt"><B>&nbsp;</B></FONT><IMG SRC="image_003.jpg" ALT=""></P>

<P STYLE="font: 9pt Sans-Serif; margin: 0 0 12pt; text-align: center; color: Red"><B></B></P>

<P STYLE="font: 18pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: center"><FONT STYLE="letter-spacing: -0.15pt"><B>IT&rsquo;S
TIME FOR CHANGE AT MFC</B></FONT></P>

<P STYLE="font: 13pt Book Antiqua, Times, Serif; margin: 0; text-align: center"><FONT STYLE="letter-spacing: -0.15pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 14pt Book Antiqua, Times, Serif; margin: 0; text-align: center"><FONT STYLE="color: black; letter-spacing: -0.15pt"><B>VOTE
ONLY THE </B></FONT><B><FONT STYLE="color: #1F497D; letter-spacing: -0.15pt"><U>BLUE</U></FONT></B><B><FONT STYLE="color: black; letter-spacing: -0.15pt">
PROXY or </FONT></B><B><FONT STYLE="color: #1F497D; letter-spacing: -0.15pt"><U>BLUE</U></FONT></B><B><FONT STYLE="color: black; letter-spacing: -0.15pt">
VOTING INSTRUCTION FORM </FONT></B></P>

<P STYLE="font: 14pt Book Antiqua, Times, Serif; margin: 0; text-align: center"><FONT STYLE="letter-spacing: -0.15pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 14pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: center"><FONT STYLE="letter-spacing: -0.1pt"><B><U>IAT&rsquo;s
Recommendations:</U></B></FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Book Antiqua, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 9pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font: 14pt Symbol; letter-spacing: -0.15pt">&#183;</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-size: 14pt; letter-spacing: -0.15pt"><B>Vote <U>FOR</U> fixing the number of MFC
directors at eleven </B></FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Book Antiqua, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 9pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font: 14pt Symbol; letter-spacing: -0.15pt">&#183;</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-size: 14pt; letter-spacing: -0.15pt"><B>Vote <U>FOR</U> all eight of IAT&rsquo;s
nominees to the MFC Board</B></FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Book Antiqua, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 9pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font: 14pt Symbol">&#183;</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-size: 14pt; letter-spacing: -0.15pt"><B><U>WITHOLD</U> votes from </B></FONT><B><FONT STYLE="font-size: 14pt">management&rsquo;s
nominees to the MFC Board</FONT></B></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Book Antiqua, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 9pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font: 14pt Symbol">&#183;</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-size: 14pt"><B>Vote <U>FOR</U> the appointment of auditors and the advance notice
policy </B></FONT></TD></TR></TABLE>

<P STYLE="font: 14pt Book Antiqua, Times, Serif; margin: 0; text-align: center"><FONT STYLE="letter-spacing: -0.1pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 14pt Book Antiqua, Times, Serif; margin: 0; text-align: center"><FONT STYLE="letter-spacing: -0.1pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 14pt Book Antiqua, Times, Serif; margin: 0; text-align: center"><FONT STYLE="letter-spacing: -0.1pt"><B>To keep
current with further developments, please visit www.timeforchangeatMFC.com.</B></FONT></P>

<P STYLE="font: 14pt Book Antiqua, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 14pt Book Antiqua, Times, Serif; margin: 0; text-align: center"></P>

<P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: center; border-top: Black 1pt solid">For questions
or assistance, please contact our proxy solicitor, Okapi Partners, at <FONT STYLE="color: black"><B>1-855-208-8902</B></FONT> toll-free
in North America, or 1-212-297-0720 outside of North America (collect calls accepted), or by e-mail at mfcinfo@okapipartners.com.
To keep current with further developments and information about voting your shares, visit www.timeforchangeatMFC.com.</P>

<P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: center"><B>YOUR SUPPORT IS EXTREMELY IMPORTANT -
VOTE ONLY YOUR <FONT STYLE="color: #1F497D"><U>BLUE</U></FONT> PROXY OR <FONT STYLE="color: #1F497D"><U>BLUE</U></FONT> VIF TODAY</B></P>



<P STYLE="font: 14pt Book Antiqua, Times, Serif; margin: 0; text-align: center"></P>

<P STYLE="font: 11pt Book Antiqua, Times, Serif; margin: 0; text-align: left"></P>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
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<P STYLE="font: 11pt Book Antiqua, Times, Serif; margin: 0; text-align: left"></P>

<P STYLE="font: 11pt Book Antiqua, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center">&nbsp;<FONT STYLE="letter-spacing: -0.15pt"><B>MFC&rsquo;S
<FONT STYLE="color: #C00000"><I><U>FAILING</U></I> </FONT>CORPORATE GOVERNANCE REPORT CARD</B></FONT></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 6pt; text-align: justify; text-indent: 0.25in"><FONT STYLE="font-style: normal">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 32%; padding-right: 5.4pt; padding-bottom: 6pt; padding-left: 5.4pt; font: 18pt Book Antiqua, Times, Serif; text-align: center; text-justify: inter-ideograph"><FONT STYLE="font: 18pt Wingdings 2; color: #C00000"><B>O  </B></FONT><FONT STYLE="font-size: 11pt">= not compliant</FONT></TD>
    <TD STYLE="width: 35%; padding-right: 5.4pt; padding-bottom: 6pt; padding-left: 5.4pt; font: 16pt Book Antiqua, Times, Serif; text-align: center; text-justify: inter-ideograph"><FONT STYLE="font-size: 16pt"><B>&#9644;
    </B></FONT><FONT STYLE="font-size: 11pt">= minimally compliant</FONT></TD>
    <TD STYLE="width: 33%; padding-right: 5.4pt; padding-bottom: 6pt; padding-left: 5.4pt; font: 16pt Book Antiqua, Times, Serif; text-align: center; text-justify: inter-ideograph"><FONT STYLE="font: 16pt Wingdings"><B>&#252;</B></FONT><FONT STYLE="font-size: 11pt">=
    compliant</FONT></TD></TR>
</TABLE>
<P STYLE="font: 6pt Book Antiqua, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 9pt Book Antiqua, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="background-color: black">
    <TD COLSPAN="4" STYLE="border: windowtext 1pt solid; padding-top: 6px; padding-right: 5.4pt; padding-left: 546px; text-align: center; text-justify: inter-ideograph; font-size: 10pt; text-indent: -610pt"></TD></TR>
<TR STYLE="vertical-align: top; height: 12pt; background-color: Black">
    <TD COLSPAN="4" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding: 3pt 5.4pt 9pt; text-align: center; vertical-align: top"><FONT STYLE="font-size: 12pt; color: White"><B>CORPORATE
    GOVERNANCE REPORT CARD</B></FONT></TD></TR>
<TR STYLE="text-align: right; vertical-align: bottom">
    <TD COLSPAN="4" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 3pt 0; text-indent: 42.2pt">&nbsp;<IMG SRC="image_004.jpg" ALT=""></P>
        <P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 3pt 0; text-indent: 42.2pt"></P></TD></TR>
<TR STYLE="background-color: #D99594">
    <TD COLSPAN="2" STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: left; text-justify: inter-ideograph; font-size: 10pt; padding-left: 5.4pt"><FONT STYLE="font-size: 9pt; text-transform: uppercase"><B>I.&nbsp;&nbsp;&nbsp;Board of Directors</B></FONT></TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: justify; text-justify: inter-ideograph"><FONT STYLE="font-size: 9pt; text-transform: uppercase"><B>III.&nbsp;&nbsp;&nbsp;Audit CommitteE</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 41%; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: left; text-justify: inter-ideograph; padding-left: 5.4pt"><FONT STYLE="font-size: 9pt">Independent Chair of the Board</FONT></TD>
    <TD STYLE="width: 8%; border-bottom: windowtext 1pt solid; border-right: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: center; text-justify: inter-ideograph; font-size: 18pt"><FONT STYLE="font: 18pt Wingdings 2; color: #C00000"><B>O</B></FONT></TD>
    <TD STYLE="width: 44%; border-bottom: windowtext 1pt solid; border-right: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; padding-left: 5.4pt; text-align: left; text-justify: inter-ideograph"><FONT STYLE="font-size: 9pt">Independence</FONT></TD>
    <TD STYLE="width: 7%; border-bottom: windowtext 1pt solid; border-right: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font-size: 12pt"><B>&#9644;</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: left; text-justify: inter-ideograph; padding-left: 5.4pt"><FONT STYLE="font-size: 9pt">Directors&rsquo; Meetings</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: center; text-justify: inter-ideograph; font-size: 12pt"><FONT STYLE="font-size: 12pt"><B>&#9644;</B></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding-top: 3pt; padding-bottom: 3pt; padding-left: 5.4pt; text-align: left; text-justify: inter-ideograph"><FONT STYLE="font-size: 9pt">Written charter</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font-size: 12pt"><B>&#9644;</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: left; text-justify: inter-ideograph; padding-left: 5.4pt"><FONT STYLE="font-size: 9pt">Communications with Directors&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font: 18pt Wingdings 2; color: #C00000"><B>O</B></FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; padding-left: 5.4pt; text-align: left; text-justify: inter-ideograph"><FONT STYLE="font-size: 9pt">Responsibilities</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font: 18pt Wingdings 2; color: #C00000"><B>O</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: left; text-justify: inter-ideograph; padding-left: 5.4pt"><FONT STYLE="font-size: 9pt">Classified/Staggered Boards</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font: 18pt Wingdings 2; color: #C00000"><B>O</B></FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; padding-left: 5.4pt; text-align: left; text-justify: inter-ideograph"><FONT STYLE="font-size: 9pt">Authority to Engage External Advisor</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font: 16pt Wingdings"><B>&#252;</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: left; text-justify: inter-ideograph; padding-left: 5.4pt"><FONT STYLE="font-size: 9pt">Board Mandate or Corporate Governance Guidelines</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font: 18pt Wingdings 2; color: #C00000"><B>O</B></FONT></TD>
    <TD COLSPAN="2" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; background-color: #D99594; padding-top: 3pt; padding-bottom: 3pt; text-align: left; text-justify: inter-ideograph; padding-left: 5.4pt"><FONT STYLE="font-size: 9pt; text-transform: uppercase"><B>IV.&nbsp;&nbsp;&nbsp;Governance Policies and Procedures</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: left; text-justify: inter-ideograph; padding-left: 5.4pt"><FONT STYLE="font-size: 9pt">Orientation and Continuing Education</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font: 18pt Wingdings 2; color: #C00000"><B>O</B></FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph"><FONT STYLE="font-size: 9pt">Code of Ethics</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font: 18pt Wingdings 2; color: #C00000"><B>O</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: left; text-justify: inter-ideograph; padding-left: 5.4pt"><FONT STYLE="font-size: 9pt">Regular Board Assessments</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font: 18pt Wingdings 2; color: #C00000"><B>O</B></FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph"><FONT STYLE="font-size: 9pt">Whistleblowing Policy/Procedures</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font: 18pt Wingdings 2; color: #C00000"><B>O</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; background-color: #D99594; padding-top: 3pt; padding-bottom: 3pt; text-align: left; text-justify: inter-ideograph; padding-left: 5.4pt"><FONT STYLE="font-size: 9pt; text-transform: uppercase"><B>II.&nbsp;&nbsp;&nbsp;Other Board Committees</B></FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph"><FONT STYLE="font-size: 9pt">Disclosure Policy</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font-size: 12pt"><B>&#9644;</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; background-color: #D9D9D9; padding-top: 3pt; padding-bottom: 3pt; text-align: left; text-justify: inter-ideograph; padding-left: 5.4pt"><FONT STYLE="font-size: 9pt"><B>Nominating Committee</B></FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; padding-left: 5.4pt; text-align: left; text-justify: inter-ideograph"><FONT STYLE="font-size: 9pt">Insider Trading Policy</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font-size: 12pt"><B>&#9644;</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; padding-left: 9pt; text-align: justify; text-justify: inter-ideograph; text-indent: 10pt"><FONT STYLE="font-size: 9pt">Independence</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font: 18pt Wingdings 2; color: #C00000"><B>O</B></FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph"><FONT STYLE="font-size: 9pt">Regulation FD Policy</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font-size: 12pt"><B>&#9644;</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: justify; text-justify: inter-ideograph; padding-left: 5.4pt; text-indent: 10pt"><FONT STYLE="font-size: 9pt">&#9;Written Charter</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font-size: 12pt"><B>&#9644;</B></FONT></TD>
    <TD COLSPAN="2" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; background-color: #D99594; padding-top: 3pt; padding-bottom: 3pt; text-align: left; text-justify: inter-ideograph; padding-left: 5.4pt"><FONT STYLE="font-size: 9pt; text-transform: uppercase"><B>V.&nbsp;&nbsp;&nbsp;Compensation</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: justify; text-justify: inter-ideograph; padding-left: 5.4pt; text-indent: 10pt"><FONT STYLE="font-size: 9pt">&#9;Responsibilities</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font: 18pt Wingdings 2; color: #C00000"><B>O</B></FONT></TD>
    <TD COLSPAN="2" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; background-color: #D9D9D9; padding-top: 3pt; padding-bottom: 3pt; text-align: justify; text-justify: inter-ideograph; font-size: 10pt; padding-left: 5.4pt"><FONT STYLE="font-size: 9pt"><B>Executive compensation</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: justify; text-justify: inter-ideograph; padding-left: 5.4pt; text-indent: 10pt"><FONT STYLE="font-size: 9pt">&#9;Authority to Engage External Advisor</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: center; text-justify: inter-ideograph; font-size: 16pt"><FONT STYLE="font: 16pt Wingdings"><B>&#252;</B></FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph; text-indent: 10pt"><FONT STYLE="font-size: 9pt">&#9;Executive Pay Evaluation</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font: 18pt Wingdings 2; color: #C00000"><B>O</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: justify; text-justify: inter-ideograph; padding-left: 5.4pt; text-indent: 10pt"><FONT STYLE="font-size: 9pt">&#9;Nominating Process</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font: 18pt Wingdings 2; color: #C00000"><B>O</B></FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph; text-indent: 10pt"><FONT STYLE="font-size: 9pt">&#9;Equity-Based and Other Incentive Plans</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font: 18pt Wingdings 2; color: #C00000"><B>O</B></FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: #D9D9D9">
    <TD COLSPAN="2" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: justify; text-justify: inter-ideograph; padding-left: 5.4pt"><FONT STYLE="font-size: 9pt"><B>Compensation Committee</B></FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: justify; text-justify: inter-ideograph; padding-left: 5.4pt"><FONT STYLE="font-size: 9pt"><B>Termination and Change of Control Provisions</B></FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font: 18pt Wingdings 2; color: #C00000"><B>O</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: justify; text-justify: inter-ideograph; padding-left: 5.4pt; text-indent: 10pt"><FONT STYLE="font-size: 9pt">&#9;Independence</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font: 18pt Wingdings 2; color: #C00000"><B>O</B></FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; background-color: #D9D9D9; padding-top: 3pt; padding-bottom: 3pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph"><FONT STYLE="font-size: 9pt"><B>Say on Pay</B></FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; background-color: #D9D9D9; padding-top: 3pt; padding-bottom: 3pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font: 18pt Wingdings 2; color: #C00000"><B>O</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: justify; text-justify: inter-ideograph; padding-left: 5.4pt; text-indent: 10pt"><FONT STYLE="font-size: 9pt">&#9;Written Charter</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font: 18pt Wingdings 2; color: #C00000"><B>O</B></FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; background-color: #D9D9D9; padding-top: 3pt; padding-bottom: 3pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph"><FONT STYLE="font-size: 9pt"><B>Problematic Pay Practices</B></FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; background-color: #D9D9D9; padding-top: 3pt; padding-bottom: 3pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font: 18pt Wingdings 2; color: #C00000"><B>O</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: justify; text-justify: inter-ideograph; padding-left: 5.4pt; text-indent: 10pt"><FONT STYLE="font-size: 9pt">&#9;Responsibilities</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font-size: 12pt"><B>&#9644;</B></FONT></TD>
    <TD COLSPAN="2" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; background-color: #D99594; padding-top: 3pt; padding-bottom: 3pt; text-align: left; text-justify: inter-ideograph; font-size: 10pt; padding-left: 5.4pt"><FONT STYLE="font-size: 9pt; text-transform: uppercase"><B>VI.&nbsp;&nbsp;&nbsp;SHareholder Rights issues</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: justify; text-justify: inter-ideograph; padding-left: 5.4pt; text-indent: 10pt"><FONT STYLE="font-size: 9pt">&#9;Authority to Engage External Advisor</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font-size: 12pt"><B>&#9644;</B></FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph"><FONT STYLE="font-size: 9pt">Proxy Access</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font: 18pt Wingdings 2; color: #C00000"><B>O</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: justify; text-justify: inter-ideograph; padding-left: 5.4pt; text-indent: 10pt"><FONT STYLE="font-size: 9pt">&#9;Compensation Decision Making</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font: 18pt Wingdings 2; color: #C00000"><B>O</B></FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph"><FONT STYLE="font-size: 9pt">&ldquo;Blank Cheque&rdquo; Preferred Shares</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font: 18pt Wingdings 2; color: #C00000"><B>O</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; background-color: #D9D9D9; padding-top: 3pt; padding-bottom: 3pt; text-align: justify; text-justify: inter-ideograph; padding-left: 5.4pt"><FONT STYLE="font-size: 9pt"><B>Risk Committee</B></FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; background-color: #D9D9D9; padding-top: 3pt; padding-bottom: 3pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font: 18pt Wingdings 2; color: #C00000"><B>O</B></FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font-size: 9pt">Shareholder Rights Plans</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font: 18pt Wingdings 2; color: #C00000"><B>O</B></FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; background-color: #D9D9D9; padding-top: 3pt; padding-bottom: 3pt; text-align: justify; text-justify: inter-ideograph; padding-left: 5.4pt"><FONT STYLE="font-size: 9pt"><B>Disclosure Committee</B></FONT></TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; background-color: #D9D9D9; padding-top: 3pt; padding-bottom: 3pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font: 18pt Wingdings 2; color: #C00000"><B>O</B></FONT></TD>
    <TD COLSPAN="2" STYLE="padding-top: 3pt; padding-bottom: 3pt; text-align: left; text-justify: inter-ideograph; font-size: 8pt">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 13pt Book Antiqua, Times, Serif; margin: 0; text-align: left"><FONT STYLE="letter-spacing: -0.15pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 13pt Book Antiqua, Times, Serif; margin: 0; text-align: left"></P>

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<P STYLE="font: 13pt Book Antiqua, Times, Serif; margin: 0; text-align: left"></P>

<P STYLE="font: 13pt Book Antiqua, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 13pt Book Antiqua, Times, Serif; margin: 0; text-align: center"><FONT STYLE="letter-spacing: -0.15pt"><B>IT&rsquo;S
TIME FOR CHANGE AT MFC</B></FONT></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0; text-align: right">December<B> </B>6, 2013</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">Dear Fellow Shareholder:</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">I am writing to you
today in connection with pressing matters regarding MFC Industrial Ltd. It is time for change at MFC, and we need your help and
support.</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">Together with my company,
IAT Reinsurance Company Ltd., we are the largest shareholders of MFC, owning approximately 33% of its common shares. We have been
MFC&rsquo;s largest shareholders since 1999. With the enclosed proxy circular, we are soliciting proxies to increase the size
of MFC&rsquo;s board to eleven directors and to elect our eight nominees to fill all available seats. Our preferred course of
action would have been to seek your help to replace MFC&rsquo;s entire board at the upcoming shareholders&rsquo; meeting. However,
as a consequence of MFC&rsquo;s staggered board structure &ndash; a structure that is in stark contrast to today&rsquo;s good
corporate governance practices &ndash; this cannot be achieved.</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">We are <U>not</U> shareholder
activists. In fact, this is the first time that I have ever instigated or been an active participant in a proxy contest. It is
also the first time that I have felt that the circumstances warranted it. Over the 14 years that we have held our investment in
MFC, we have been a patient and supportive partner with MFC.&nbsp; We are shareholders who advocate and encourage long-term stewardship
of companies through the proper working of a relevant and independent board of directors whose fiduciary responsibility, to question
management and its operational plans, is upheld and honored. Shareholders need to have confidence in a company&rsquo;s board and
its strategic direction; we have lost that confidence in MFC&rsquo;s current board.</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify"><B>Our Lengthy List of Concerns Has Been
Ignored by MFC</B></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">Our list of concerns
related to MFC&rsquo;s board is long and numerous.&nbsp; Even the most common attributes of acceptable corporate governance have
long been absent at MFC.&nbsp; This board has allowed Mr. Smith to run MFC as if it were his own private fiefdom. Mr. Smith has
surprisingly (and shockingly) been the Chairman, CEO and CFO of MFC for quite some time. This is unacceptable from both a corporate
governance and a risk management perspective. Our review of the public record also demonstrates that the majority of MFC&rsquo;s
board has a long and cozy history with Mr. Smith, MFC and its predecessors and subsidiaries. The board&rsquo;s ineffectiveness,
engendered by the lack of true independence, is exacerbated by the long absence of their own personal share ownership, which is
a telling marker of their misalignment with shareholders.</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">MFC&rsquo;s cumulative
total return for the period from January 1, 2008 up to November 30, 2013 has also been dismal, particularly when compared against
the Russell 2000 (MFC&rsquo;s self-identified benchmark index). During this period, MFC&rsquo;s total shareholder return <U>decreased</U>
by 51.38%, while the Russell 2000 <U>increased</U> by 61.88%.</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">Other concerns include
MFC&rsquo;s <FONT STYLE="color: black">failure to execute on its strategy, lack of transparency, frequent auditor changes (three
times since 2010, five times since 2005) and poor disclosure. These, and many other reasons for our concern, are outlined in the
enclosed proxy circular. We trust you will agree that our concerns are compelling and that it&rsquo;s time for change at MFC.</FONT></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">This proxy solicitation
is by no means our first attempt to engage MFC. Over the last two years before taking this step, we have engaged with MFC on numerous
occasions, including in face-to-face meetings, and asked for independent representation on the board. All of our efforts to reach
an amicable arrangement were rebuffed by MFC in no uncertain terms. The unyielding response, unexpected, inappropriate and unreasonable
considering the significance of our ownership stake and the reasonableness of our requests, has given us great pause for concern.</P>

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<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">&nbsp;<B>MFC&rsquo;s Baseless Accusations
and Fear Mongering</B></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">When we publicly notified
MFC and our fellow shareholders of our intention to effect change on MFC&rsquo;s board on November 25, 2013 in accordance with
MFC&rsquo;s advance notice policy, MFC&rsquo;s board responded by immediately bringing two court actions against us alleging,
among other things, various technical disclosure violations of Section 13(d) of the United States Securities Exchange Act of 1934
and violations of the early warning, insider reporting and takeover bid requirements under Canadian securities laws. <FONT STYLE="color: black">The
suspicious timing of the court actions, and MFC&rsquo;s failure to contact us with details regarding any concerns they allege
regarding our disclosure in advance of filing them, illustrates that the court actions are nothing more than a self-serving attempt
to intimidate IAT and further entrench MFC&rsquo;S current board. MFC has made no effort to address the merits of our concerns
that drove us to nominate independent director candidates at this year&rsquo;s shareholders&rsquo; meeting, but rather seeks to
simply divert shareholders focus from the real issues related to the current board&rsquo;s poor track record. </FONT></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">To be clear, MFC&rsquo;s
allegations that shareholders and the market have been left &ldquo;in the dark&rdquo; regarding IAT&rsquo;s significant shareholdings
are unfounded. MFC has consistently disclosed IAT as the principal holder of its common shares since 1999. Further, any alleged
violations of Canadian requirements by IAT would have been technical and inadvertent and, in any event, have been addressed by
IAT self-reporting regarding the same to the British Columbia Securities Commission and making corrective filings over two months
ago. In fact, based on IAT&rsquo;s detailed review and analysis of MFC&rsquo;s public disclosure record, IAT believes that Michael
Smith himself has for some time failed to comply with U.S. and Canadian <FONT STYLE="color: black">Schedule 13D, early warning
and SEDI insider reporting filing requirements</FONT> (See &ldquo;<I>Outstanding Shares and Principal Holders &ndash; Principal
Holders</I>&rdquo;).</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">The recent allegations
of the MFC board that IAT is soliciting proxies to &ldquo;raid MFC&rsquo;s substantial assets&rdquo; are fictional and laughable.
IAT&rsquo;s financial strength is confirmed by an A-minus financial strength rating from A.M. Best. In fact, IAT has consolidated
liquid assets in excess of <U>$1.4 billion</U>, which is nearly five times greater than MFC&rsquo;s liquid assets. Unlike MFC,
IAT also has no outstanding long-term debt. Any suggestion that IAT is seeking MFC&rsquo;s assets for its own benefit is unfounded,
ridiculous and intended to distract from the issues at hand. <U>To be very clear, <FONT STYLE="color: black">IAT will not receive
any material benefits from the election of its nominees to the board that will not be shared proportionally with all other MFC
shareholders</FONT></U><FONT STYLE="color: black">. Any allegation to the contrary by MFC&rsquo;s board is simply fear mongering
and a </FONT>transparent attempt to distract shareholders from considering a very simple proposition: which director nominees
are best placed to create and unlock value for shareholders?</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify"><B>Our Board Nominees for Change </B></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">We believe that an
alignment of shareholders&rsquo; interests with that of the company and its board is only possible when MFC has directors who
are truly independent and possess the necessary skills and experiences to empower them to act as fiduciaries and good stewards
for all investors. We have assembled and are nominating eight directors (including me) <FONT STYLE="color: black">for election
to the board, as set out in the enclosed proxy circular.<I> </I>These nominees are all highly experienced and qualified business
leaders from a broad range of backgrounds and sectors that will work towards achieving this objective.<I> </I></FONT></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">As we have said unequivocally
from the beginning, <U>by no means are we trying to &ldquo;take over&rdquo; MFC with our proposed board nominees</U>. All of the
board nominees are independent for purposes of applicable securities law and exchange rules and are also independent of MFC, and
with the exception of me, all of the board nominees are independent of IAT. Our board nominees are being put forward for the simple
reason that we have lost all confidence in MFC&rsquo;s current board.<I> </I></P>

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<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify"></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify"></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: black">We
caution you to not be distracted by MFC&rsquo;s flailing attempts to discredit our board nominees. </FONT>It is yet another transparent
attempt to divert your attention from the matters at hand. Instead, w<FONT STYLE="color: black">e encourage you to review our
nominees&rsquo; biographies starting at page <FONT STYLE="background-color: yellow">24</FONT><B> </B>of the proxy circular and
make your own decision. In stark contrast to MFC&rsquo;s current board, with these nominees we seek to put in place a board that
has both &ldquo;depth and breadth&rdquo;; a high performing board that will set MFC on the right track. A board where &ldquo;good
governance&rdquo;, &ldquo;good disclosure&rdquo;, accountability and transparency are the norm, not the exception. A board with
the skills needed to enable MFC to refine and effectively execute on its strategy and to generate long-term value for all shareholders.
A board with integrity; a board in which we can all have trust and confidence. MFC shareholders deserve nothing less.</FONT></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: left"><B>Message to Employees</B></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">We acknowledge
the energy and skill with which MFC employees manage the daily business of the company and know only good things about their
work ethic and commitment. However, the current board&rsquo;s poor leadership has undermined employees&rsquo; considerable
contribution of time and intellect and, in the process, held MFC back from the success that it can realize. Every officer and
employee of MFC will be needed to execute the strategy and plan that the newly constituted board finds most beneficial to the
long-term success of MFC and to all of the people who have a stake in that success. There can be no dispute that shareholders
and employees have a common goal: making MFC an enduring success. An action by either of us that hurts the future of the
company would be both irrational and a self-inflicted wound. Our common motivation will place us clearly and together on the
path of growth and prosperity.</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify"><B>Our Voting Recommendations</B></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">MFC has structured
its current board as a staggered board with three classes of directors (Class I, Class II and Class III), which only serves to
entrench the current board and thwart shareholder democracy. At each annual meeting of MFC&rsquo;s shareholders, only one class
of directors is elected to hold office for a three-year term. At the Meeting, only the two current Class II directors will be
up for re-election. </P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">As a consequence of
MFC&rsquo;s staggered board structure, we cannot seek to replace the entire board at the Meeting, which would be our preferred
course of action. We are therefore asking for your help to take back control of the board on behalf of shareholders. In order
to do this, we are asking for your support to (a) increase the size of MFC&rsquo;s board to eleven directors, and (b) elect the
eight Concerned Shareholder Nominees to fill all available seats. </P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: black">Shortly
after IAT announced its intention to ask shareholders to fix the board at eleven directors &ndash; <U>a right that MFC shareholders
have always had</U> &ndash; MFC claimed that, on the unanimous recommendation of its &ldquo;independent&rdquo; Nominating and
Corporate Governance Committee, the current board had unilaterally amended MFC&rsquo;s articles to fix the board size at six directors
&ldquo;to address an inconsistency with [MFC&rsquo;s] staggered board structure&rdquo;. </FONT>This behaviour is shockingly inappropriate
and we intend to challenge this self-serving conduct on the part of MFC&rsquo;s board as a wrongful act of entrenchment. We simply
do not recognize MFC&rsquo;s <I>ex post facto</I> claim that the board size is fixed by directors and not shareholders.</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: black">Furthermore,
since MFC&rsquo;s claim that the board size has been fixed at six by the directors is improper, MFC&rsquo;s most recent board
appointee, Ms. Silke Stenger, cannot stay on the board past the upcoming annual meeting. This is because shareholders fixed the
size of MFC&rsquo;s board at five directors at the 2011 annual general meeting. In order for Ms. Stenger &ndash; the sixth member
of MFC&rsquo;s board &ndash; to remain on the board past the upcoming meeting, shareholders (and not directors) would need to
fix the board at six directors to allow her to remain. Any claim by MFC that this ability is now held by the board is invalid
</FONT>and a wrongful act of entrenchment.</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">If we are successful
with this solicitation and the court action, MFC&rsquo;s board would be comprised of eleven directors &ndash; the eight Concerned
Shareholder Nominees and the three incumbent Class I and Class III directors that are not up for re-election at the Meeting. Ms.
Stenger would cease to be a director. In accordance with MFC&rsquo;s articles, if elected, the Concerned Shareholder Nominees
will be apportioned (by the directors) among MFC&rsquo;s three classes of directors as to make all classes as equal in number
as possible.</P>

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<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: left"></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">In order to fix the
number of directors at eleven, the approval of a simple majority (50% plus one) of the common shares present in person or represented
by proxy at the Meeting is required. In order for the eight Concerned Shareholder Nominees to be elected to the board, they must
receive the most &ldquo;for&rdquo; votes at the Meeting. To accomplish this shared goal, we recommend you:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Book Antiqua, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: left">Vote <B><U>FOR</U></B> fixing the number of directors of MFC at eleven;</TD></TR>
</TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Book Antiqua, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: left">Vote <B><U>FOR</U></B> the election of the eight Concerned Shareholder Nominees;</TD></TR></TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Book Antiqua, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: left"><B><U>WITHHOLD</U></B> votes from the MFC Management Nominees;</TD></TR></TABLE>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt 0.75in; text-align: left; text-indent: -0.25in"><FONT STYLE="font-family: Symbol; font-weight: normal">&#183;</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="color: black">Vote <B><U>FOR</U></B> the appointment of auditors<B>; </B>and</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Book Antiqua, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="color: black">Vote<B><U> FOR</U></B> the approval of the Advance Notice Policy.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: left"></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">In the event it is
determined that the recent changes to the articles by MFC&rsquo;s current board described above are legally permissible (which
IAT strongly disputes), IAT is recommending that Peter Kellogg and J. Andrew Betts replace the two MFC Management Nominees as Class
II directors and all other Concerned Shareholder Nominees will be withdrawn as director nominees. Under those circumstances, if
IAT is successful, MFC&rsquo;s board would be comprised of six directors: Indrajit Chatterjee and Silke S. Stenger (Class I directors),
Mr. Kellogg and Mr. Betts (Class II directors) and Michael Smith and Ian Rigg (Class III directors).</P>

<P STYLE="font: bold 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt">Where You Can Find More Information</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">This letter is only
a summary of our views. Please read the accompanying proxy circular and feel free to <B>visit</B> www.timeforchangeatMFC.com, where
you can review other relevant materials. Also, if you have any questions or comments, please do not hesitate to contact us or our
proxy solicitor, Okapi Partners. We are committed to respecting the confidentiality of the source of any feedback we receive. You
are welcome to submit comments anonymously if you prefer.</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: black">Please
vote your common shares using the enclosed </FONT><FONT STYLE="color: #1F497D"><B><U>BLUE</U></B></FONT><FONT STYLE="color: black">
form of proxy or </FONT><FONT STYLE="color: #1F497D"><B><U>BLUE</U></B></FONT><FONT STYLE="color: black"> voting instruction form
enclosed with our proxy materials. Time is of the essence. Wherever possible, please vote by <I>internet</I> or alternatively sign
the </FONT><FONT STYLE="color: #1F497D"><B><U>BLUE</U></B></FONT><FONT STYLE="color: black"> proxy or </FONT><FONT STYLE="color: #1F497D"><B><U>BLUE</U></B></FONT><FONT STYLE="color: black">
voting instruction form and return it by <I>fax</I> or by <I>mail</I>. IAT is using a &ldquo;universal&rdquo; form of proxy and
voting instruction form, which includes the names of all of the director nominees and other matters to be considered at the meeting.
We urge you to IGNORE any white form of proxy or voting instruction form received from MFC<B>. </B>If you have previously voted
using the white form of proxy or voting instruction form sent to you by MFC, you may revoke your vote by executing the enclosed
</FONT><FONT STYLE="color: #1F497D"><B><U>BLUE</U></B></FONT><FONT STYLE="color: black"> form of proxy or </FONT><FONT STYLE="color: #1F497D"><B><U>BLUE</U></B></FONT><FONT STYLE="color: black">
voting instruction form, or by voting on the <I>internet</I>, by <I>fax</I> or by <I>mail</I> (as available). When voting your
common shares via the <I>internet</I>, please enter only the proxy control number found on your </FONT><FONT STYLE="color: #1F497D"><B><U>BLUE</U></B></FONT><FONT STYLE="color: black">
voting instruction form. </FONT>Only your latest dated form of proxy or voting instruction form will be counted. However, you may
receive more than one <FONT STYLE="color: #1F497D"><B><U>BLUE</U></B></FONT> proxy or voting instruction form as you will receive
one for each account that you have with your broker. Please vote all the control numbers found on your <FONT STYLE="color: #1F497D"><B><U>BLUE</U></B></FONT>
forms only.</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: black"><B>IN
ORDER TO BE DEPOSITED WITH THE COMPANY&rsquo;S PROXY TABULATOR IN TIME TO BE USED AT THE MEETING, WE URGE YOU TO VOTE YOUR </B></FONT><B><FONT STYLE="color: #1F497D"><U>BLUE
</U></FONT><FONT STYLE="color: black">PROXY OR </FONT><FONT STYLE="color: #1F497D"><U>BLUE</U></FONT><FONT STYLE="color: black">
VOTING INSTRUCTION FORM SO THAT IT IS RECEIVED BY OKAPI PARTNERS LLC </FONT><FONT STYLE="color: #1F497D">PRIOR TO 5:00 P.M. (NEW
YORK TIME) ON DECEMBER 22, 2013</FONT><FONT STYLE="color: black">.</FONT></B></P>

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<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: left"></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: black">Full
instructions on how to vote are set out in the accompanying proxy circular, and can also be found at www.timeforchangeatMFC.com
(including a mocked up sample form of proxy). If you need assistance voting your </FONT><FONT STYLE="color: #1F497D"><B><U>BLUE
</U></B></FONT><FONT STYLE="color: black">proxy or </FONT><FONT STYLE="color: #1F497D"><B><U>BLUE</U></B></FONT><FONT STYLE="color: black">
voting instruction form or have any questions, please contact our proxy solicitors, Okapi Partners LLC at 1-855-208-8902 toll-free
in North America, or at 1-212-297-0720 outside of North America (collect calls accepted), or by e-mail at </FONT>mfcinfo@okapipartners.com<FONT STYLE="color: black">,
and they will be able to assist you to ensure your vote is counted at the Meeting.</FONT></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">We thank you for your
support.</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 0 3in; text-align: left; text-indent: 0.5in"><FONT STYLE="color: black">Sincerely,</FONT></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 0 3in; text-align: left; text-indent: 0.5in">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0; text-align: left; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 9pt Sans-Serif; margin: 0; text-align: left; color: Red; text-indent: 0.5in"></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 0 3in; text-align: left; text-indent: 0.5in"><IMG SRC="image_005.jpg" ALT="">&nbsp;</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 0 3in; text-align: left; text-indent: 0.5in">Peter R. Kellogg, Chief
Executive Officer</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt 3in; text-align: left; text-indent: 0.5in">IAT Reinsurance Company
Ltd<FONT STYLE="text-transform: uppercase"><B>.&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin-top: 0; margin-right: 0; margin-bottom: 12pt"><FONT STYLE="text-transform: uppercase"><B></B></FONT></P>

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<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin-top: 0; margin-right: 0; margin-bottom: 12pt"></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 6pt; text-align: center; color: red"><B><I>THIS DOCUMENT IS IMPORTANT
AND REQUIRES YOUR IMMEDIATE ATTENTION.</I></B></P>

<P STYLE="font: 14pt Book Antiqua, Times, Serif; margin: 0; text-align: center"><B>PROXY CIRCULAR</B></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 6pt; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 14pt Book Antiqua, Times, Serif; margin: 0; text-align: center"><B>SOLICITATION OF PROXIES BY AND ON BEHALF OF
</B></P>

<P STYLE="font: 14pt Book Antiqua, Times, Serif; margin: 0; text-align: center"><B>MR. PETER KELLOGG AND IAT REINSURANCE COMPANY
LTD. (COLLECTIVELY, &ldquo;IAT&rdquo;)</B></P>

<P STYLE="font: 14pt Book Antiqua, Times, Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 14pt Book Antiqua, Times, Serif; margin: 0; text-align: center"><B>FOR THE ANNUAL AND SPECIAL MEETING (THE &ldquo;MEETING&rdquo;)
OF THE HOLDERS OF COMMON SHARES (&ldquo;SHARES&rdquo;) OF</B></P>

<P STYLE="font: 14pt Book Antiqua, Times, Serif; margin: 0 0 6pt; text-align: center"><B>MFC INDUSTRIAL LTD. (&ldquo;MFC&rdquo;
OR THE &ldquo;COMPANY&rdquo;)</B></P>

<P STYLE="font: 14pt Book Antiqua, Times, Serif; margin: 0; text-align: center"><B>TO BE HELD ON DECEMBER 27, 2013 </B></P>

<P STYLE="font: 14pt Book Antiqua, Times, Serif; margin: 0; text-align: center"><B>AT 4:00 P.M. (HONG KONG TIME)</B></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 6pt; text-align: center"><FONT STYLE="background-color: yellow"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 6pt; text-align: justify"><FONT STYLE="color: black"><B>This Proxy
Circular solicits </B></FONT><B><FONT STYLE="color: #1F497D"><U>BLUE</U></FONT><FONT STYLE="color: black"> proxies and </FONT><FONT STYLE="color: #1F497D"><U>BLUE</U></FONT><FONT STYLE="color: black">
voting instruction forms as opposed to those solicited by management of MFC. Vote only your &ldquo;universal&rdquo; </FONT><FONT STYLE="color: #1F497D"><U>BLUE</U></FONT><FONT STYLE="color: black">
proxy or </FONT><FONT STYLE="color: #1F497D"><U>BLUE</U></FONT><FONT STYLE="color: black"> voting instruction form today.</FONT></B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 9pt Book Antiqua, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 100%; border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 4pt 0; text-align: center"><B>IAT&rsquo;S RECOMMENDATIONS:</B></P>
        <P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">In order to
        fix the number of directors at eleven, the approval of a simple majority (50% plus one) of the Shares present in person
        or represented by proxy at the Meeting is required. In order for the eight Concerned Shareholder Nominees to be elected
        to the board, they must receive the most &ldquo;for&rdquo; votes at the Meeting. To accomplish this shared goal, we recommend
        you:</P>
        <P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt 0.75in; text-align: left; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
        </FONT>Vote <B><U>FOR</U></B> fixing the number of directors of MFC at eleven;</P>
        <P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt 0.75in; text-align: left; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
        </FONT>Vote <B><U>FOR</U></B> the election of the eight Concerned Shareholder Nominees;</P>
        <P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt 0.75in; text-align: left; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
        </FONT><B><U>WITHOLD</U></B> votes from the MFC Management Nominees;</P>
        <P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt 0.75in; text-align: left; text-indent: -0.25in"><FONT STYLE="font-family: Symbol; font-weight: normal">&#183;</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
        </FONT><FONT STYLE="color: black">Vote <B><U>FOR</U></B> the appointment of auditors<B>; </B>and</FONT></P>
        <P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt 0.75in; text-align: left; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
        </FONT><FONT STYLE="color: black">Vote <B><U>FOR</U></B> the approval of the Advance Notice Policy.</FONT></P>
        <P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 4pt 0; text-align: justify"><FONT STYLE="color: black"><B>IN
        ORDER TO BE DEPOSITED WITH THE COMPANY&rsquo;S PROXY TABULATOR IN TIME TO BE USED AT THE MEETING, WE URGE YOU TO VOTE
        YOUR </B></FONT><B><FONT STYLE="color: #1F497D"><U>BLUE</U></FONT><FONT STYLE="color: black"> PROXY OR </FONT><FONT STYLE="color: #1F497D"><U>BLUE
        </U></FONT><FONT STYLE="color: black">VOTING INSTRUCTION FORM SO THAT IT IS RECEIVED BY OKAPI PARTNERS LLC </FONT><FONT STYLE="color: #1F497D">PRIOR
        TO 5:00 P.M. (NEW YORK TIME) ON DECEMBER 22, 2013</FONT><FONT STYLE="color: black">. SEE &ldquo;GENERAL PROXY INFORMATION&rdquo;
        FOR FULL DETAILS. TO ENSURE TIMELY RECEIPT OF YOUR VOTE, WE RECOMMEND THAT, WHENEVER POSSIBLE, YOU VOTE VIA THE INTERNET
        OR FAX. YOUR IMMEDIATE ACTION IS REQUIRED TO MAKE A MUCH NEEDED CHANGE AT MFC, PLEASE VOTE TODAY.</FONT></B></P></TD></TR>
</TABLE>
<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 6pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 6pt; text-align: justify"><FONT STYLE="color: black">This proxy circular,
including the letter to shareholders dated December 6, 2013 which is incorporated herein, and any further supplements or amendments
and restatements hereof or thereof (collectively, the &ldquo;<B>Circular</B>&rdquo;), prepared by IAT, solicits </FONT><FONT STYLE="color: #1F497D"><B><U>BLUE</U></B></FONT><FONT STYLE="color: black">
forms of proxy and </FONT><FONT STYLE="color: #1F497D"><B><U>BLUE</U></B></FONT><B><FONT STYLE="color: black"> </FONT></B><FONT STYLE="color: black">voting
instruction forms in support of a change in the directors of MFC. </FONT></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 6pt; text-align: justify"><FONT STYLE="color: black">Certain capitalized
terms used in this Circular have the respective meanings set out in the &ldquo;Glossary of Terms&rdquo; which is attached as </FONT>Appendix
&ldquo;A&rdquo;<FONT STYLE="color: black"> to this Circular.&nbsp;</FONT></P>

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<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 6pt; text-align: justify"><FONT STYLE="color: black"></FONT></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify"><FONT STYLE="color: black"><B>EVEN IF YOU
HAVE PREVIOUSLY DEPOSITED A WHITE PROXY OR GIVEN VOTING INSTRUCTIONS IN SUPPORT OF THE MFC BOARD NOMINEES, YOU MAY STILL CHANGE
YOUR VOTE AND SUPPORT THE CONCERNED SHAREHOLDER NOMINEES. Please follow the instructions set forth under &ldquo;General Proxy Information&rdquo;
in this Circular to vote your </B></FONT><B><FONT STYLE="color: #1F497D"><U>BLUE</U></FONT><FONT STYLE="color: black"> proxy or
</FONT><FONT STYLE="color: #1F497D"><U>BLUE</U></FONT><FONT STYLE="color: black"> voting instruction form today. When voting your
Shares via the internet, please enter only the proxy control number(s) found on your </FONT><FONT STYLE="color: #1F497D"><U>BLUE</U></FONT><FONT STYLE="color: black">
voting instruction form.</FONT></B></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0; text-align: center"><B>QUESTIONS OR REQUESTS FOR ASSISTANCE MAY BE
DIRECTED<BR>
TO OUR PROXY SOLICITOR:</B></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify"><FONT STYLE="background-color: yellow">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Book Antiqua, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 100%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">
        <IMG SRC="image_006.jpg" ALT=""><P STYLE="font: 9pt Sans-Serif; margin: 6pt 0; text-align: center; color: Red"></P>
        <P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 6pt 0; text-align: center"><B>OKAPI PARTNERS LLC</B></P>
        <P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0; text-align: center">437 Madison Avenue, 28<SUP>th</SUP> Floor</P>
        <P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0; text-align: center">New York, N.Y., 10022</P>
        <P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0; text-align: center"><U>www.okapipartners.com</U></P>
        <P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0; text-align: center">&nbsp;</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 6pt; padding-bottom: 6pt; text-align: center; text-justify: inter-ideograph"><FONT STYLE="color: black">North American Toll-Free Phone: </FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 6pt; padding-bottom: 6pt; text-align: center; font-size: 18pt; font-weight: bold"><FONT STYLE="color: Black">1-855-208-8902</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 6pt; padding-bottom: 6pt; text-align: center; text-justify: inter-ideograph"><FONT STYLE="color: black">Email: mfcinfo@okapipartners.com</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 6pt; padding-bottom: 6pt; text-align: center; text-justify: inter-ideograph"><FONT STYLE="color: black">Facsimile: +1 212 297 1710</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 6pt; padding-bottom: 6pt; text-align: center; text-justify: inter-ideograph"><FONT STYLE="color: black"><B>Outside
    of North America, Banks and Brokers </B></FONT><BR>
    <FONT STYLE="color: black"><B>Call Collect: </B>+1 212 297 0720</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 12pt 0; text-align: justify"><FONT STYLE="color: black"><B>IF YOU NEED
ASSISTANCE VOTING YOUR </B></FONT><B><FONT STYLE="color: #1F497D"><U>BLUE</U></FONT><FONT STYLE="color: black"> PROXY OR </FONT><FONT STYLE="color: #1F497D"><U>BLUE</U></FONT><FONT STYLE="color: black">
VOTING INSTRUCTON FORM OR HAVE ANY QUESTIONS, PLEASE CONTACT OKAPI PARTNERS LLC AT THE NUMBERS ABOVE, AND THEY WILL BE ABLE TO
ASSIST YOU TO ENSURE YOUR VOTE IS COUNTED AT THE MEETING.</FONT></B></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: center"><FONT STYLE="color: black"><B>VOTE ONLY
YOUR &ldquo;UNIVERSAL&rdquo; </B></FONT><B><FONT STYLE="color: #1F497D"><U>BLUE</U></FONT><FONT STYLE="color: black"> PROXY OR
</FONT><FONT STYLE="color: #1F497D"><U>BLUE</U></FONT><FONT STYLE="color: black"> VIF TODAY.</FONT></B></P>

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<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: left"><FONT STYLE="color: black; background-color: yellow"><B></B></FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Book Antiqua, Times, Serif">
<TR STYLE="vertical-align: top; background-color: #D9D9D9">
    <TD COLSPAN="3" STYLE="border: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="color: black"><B>BENEFICIAL SHAREHOLDERS </B></FONT><BR>
<FONT STYLE="color: black"><B>(YOU HOLD SHARES THROUGH AN INTERMEDIARY OR DEPOSITORY)</B></FONT><BR>
<FONT STYLE="color: black"><B>THERE ARE 3 WAYS TO VOTE USING YOUR </B></FONT><B><FONT STYLE="color: #1F497D"><U>BLUE</U></FONT><FONT STYLE="color: black"> VOTING INSTRUCTION FORM:</FONT></B></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 33%; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 3pt 0; text-align: justify"><B>1. VOTE BY INTERNET</B></P>
        <P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 3pt 0; text-align: justify"><FONT STYLE="color: black">Please go to the
        voting website listed on your </FONT><FONT STYLE="color: #1F497D"><B><U>BLUE</U></B></FONT><FONT STYLE="color: black"> voting instruction
        form and then follow the voting instructions on the screen. For most holders, the website will be www.proxyvote.com. </FONT></P>
        <P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 3pt 0; text-align: justify"><FONT STYLE="font-size: 9pt; color: black">You
        will require a Control Number (located on your </FONT><FONT STYLE="font-size: 9pt; color: #1F497D"><B><U>BLUE</U></B></FONT><FONT STYLE="font-size: 9pt; color: black">
        voting instruction form) to identify yourself to the system.<B> </B></FONT><FONT STYLE="font-size: 9pt">Please note if you have
        more than one account, you will receive a voting instruction form for each account. Please vote all the control numbers found on
        your </FONT><FONT STYLE="color: #1F497D"><B><U>BLUE</U></B></FONT><FONT STYLE="font-size: 9pt"> voting instruction form only to
        ensure all your votes are counted.</FONT></P></TD>
    <TD STYLE="width: 30%; border-bottom: windowtext 1pt solid; border-right: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 3pt 0; text-align: justify"><B>2. VOTE BY FAX</B></P>
        <P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 3pt 0; text-align: justify"><FONT STYLE="color: black">Where available,
        mark, sign and date your </FONT><FONT STYLE="color: #1F497D"><B><U>BLUE</U></B></FONT><FONT STYLE="color: black"> voting instruction
        form and return it by facsimile to the number on your voting instruction form.</FONT></P>
        <P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 3pt 0; text-align: justify">You will receive a <FONT STYLE="color: #1F497D"><B><U>BLUE</U></B></FONT><FONT STYLE="color: black">
        </FONT>voting instruction form for each account you hold. Please return a completed <FONT STYLE="color: #1F497D"><B><U>BLUE</U></B></FONT><FONT STYLE="color: black">
        </FONT>voting instruction form for each account you hold.</P></TD>
    <TD STYLE="width: 37%; border-bottom: windowtext 1pt solid; border-right: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 3pt 0; text-align: justify"><B>3. VOTE BY MAIL</B></P>
        <P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 3pt 0; text-align: justify"><FONT STYLE="color: black">Mark, sign and date
        your </FONT><FONT STYLE="color: #1F497D"><B><U>BLUE</U></B></FONT><FONT STYLE="color: black"> voting instruction form and return
        it in the postage prepaid envelope.</FONT></P>
        <P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 3pt 0; text-align: justify">You will receive a <FONT STYLE="color: #1F497D"><B><U>BLUE</U></B></FONT><FONT STYLE="color: black">
        </FONT>voting instruction form for each account you hold. Please return a completed <FONT STYLE="color: #1F497D"><B><U>BLUE</U></B></FONT><FONT STYLE="color: black">
        </FONT>voting instruction form for each account you hold.</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: center; text-justify: inter-ideograph; font-size: 9pt"><FONT STYLE="font-size: 9pt; color: black"><B>TO ENSURE TIMELY DELIVERY OF YOUR VOTE </B></FONT><BR>
<FONT STYLE="font-size: 9pt; color: black"><B>WE RECOMMEND THAT, WHENEVER POSSIBLE, YOU VOTE VIA INTERNET OR FAX</B></FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="background-color: yellow"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="color: black">We strongly encourage
registered shareholders (i.e. shareholders who hold a physical share certificate registered in their name) to mark, sign and date
their </FONT><FONT STYLE="color: #1F497D"><B><U>BLUE</U></B></FONT><FONT STYLE="color: black"> proxy and return it by<B> </B><I>email
</I>to mfcinfo@okapipartners.com<B> </B>or <I>facsimile</I> to 1-212-297-1710. Alternatively, registered shareholders may mark,
sign and date their </FONT><FONT STYLE="color: #1F497D"><B><U>BLUE</U></B></FONT><FONT STYLE="color: black"> proxy and return
it by <I>mail</I> in the provided postage prepaid envelope to: Okapi Partners LLC, 437 Madison Avenue, 28th Floor, New York, N.Y.,
10022.</FONT></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="background-color: yellow"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify"><FONT STYLE="color: black">As IAT is using
a &ldquo;universal&rdquo; form of proxy or &ldquo;universal&rdquo; voting instruction form, which includes the names of all of
the director nominees to be considered at the Meeting, including the nominees proposed by MFC, and the other matters to be considered
at the Meeting, we recommend you not use any other proxy regardless of how you propose to vote. Shareholders are urged to <U>IGNORE
</U>any white form of proxy or white voting instruction form received from MFC. Only the </FONT><FONT STYLE="color: #1F497D"><B><U>BLUE
</U></B></FONT><FONT STYLE="color: black">proxy and </FONT><FONT STYLE="color: #1F497D"><B><U>BLUE</U></B></FONT><FONT STYLE="color: black">
voting instruction form includes the names of all Concerned Shareholder Nominees, whereas MFC&rsquo;s white form of proxy and
voting instruction form only contains the names of the two MFC Management Nominees that are up for election at the Meeting. Accordingly,
only the </FONT><FONT STYLE="color: #1F497D"><B><U>BLUE </U></B></FONT><FONT STYLE="color: black">proxy or </FONT><FONT STYLE="color: #1F497D"><B><U>BLUE
</U></B></FONT><FONT STYLE="color: black">voting instruction form is complete and will allow you to cast your votes in respect
of all of the director nominees and other matters being considered at the Meeting. Please vote your </FONT><FONT STYLE="color: #1F497D"><B><U>BLUE
</U></B></FONT><FONT STYLE="color: black">proxy even if you have previously voted your white management proxy.<B> </B>A properly
completed voting instruction form will automatically revoke an earlier proxy deposited by your Intermediary in respect of the
Meeting. A later dated properly completed voting instruction form will automatically prompt an Intermediary to revoke an earlier
proxy deposited by your Intermediary in respect of the Meeting with your new instructions.</FONT></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify"><FONT STYLE="color: black"><B>IN ORDER
TO BE DEPOSITED WITH THE COMPANY&rsquo;S PROXY TABULATOR IN TIME TO BE USED AT THE MEETING, WE URGE YOU TO VOTE YOUR </B></FONT><B><FONT STYLE="color: #1F497D"><U>BLUE
</U></FONT><FONT STYLE="color: black">PROXY OR </FONT><FONT STYLE="color: #1F497D"><U>BLUE</U></FONT><FONT STYLE="color: black">
VOTING INSTRUCTION FORM SO THAT IT IS RECEIVED BY OKAPI PARTNERS LLC </FONT><FONT STYLE="color: #1F497D">PRIOR TO 5:00 P.M. (NEW
YORK TIME) ON DECEMBER 22, 2013</FONT><FONT STYLE="color: black">. </FONT></B></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: center"><FONT STYLE="color: black"><B>VOTE ONLY
YOUR &ldquo;UNIVERSAL&rdquo; </B></FONT><B><FONT STYLE="color: #1F497D"><U>BLUE</U></FONT><FONT STYLE="color: black"> PROXY OR
</FONT><FONT STYLE="color: #1F497D"><U>BLUE</U></FONT><FONT STYLE="color: black"> VIF TODAY.</FONT></B></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: left"></P>

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<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: left"></P><P STYLE="margin-top: 0; text-align: center; margin-bottom: 0"><B>TABLE OF CONTENTS</B></P>

<P STYLE="margin-top: 0; text-align: left; margin-bottom: 0">&nbsp;</P>

<P STYLE="margin-top: 0; text-align: left; margin-bottom: 0">&nbsp;</P>

<P STYLE="margin-top: 0; text-align: left; margin-bottom: 0"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="width: 94%; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">NOTICE TO UNITED STATES SHAREHOLDERS</FONT></TD>
    <TD STYLE="width: 6%; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">1</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">FORWARD-LOOKING STATEMENTS AND INFORMATION</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">1</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">CURRENCY</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">2</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">PROXY CIRCULAR</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">2</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">ABOUT IAT <FONT STYLE="text-transform: uppercase">reinsurance
    company ltd.</FONT></FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">3</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">REASONS FOR THIS SOLICITATION AND PLANS FOR MFC</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">4</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-indent: 10pt"><FONT STYLE="font-size: 10pt">MFC&rsquo; Strategy: Poorly Defined, Articulated and Executed</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">7</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-indent: 10pt"><FONT STYLE="font-size: 10pt">Poor Shareholder Returns, Poor Operational Performance and Factual Distortions by MFC</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">10</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-indent: 10pt"><FONT STYLE="font-size: 10pt">Frequent and Unexplained Auditor Changes and Financial Accounting Concerns</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">12</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-indent: 10pt"><FONT STYLE="font-size: 10pt">Complete Loss of Confidence in the Current Board</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">12</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-indent: 10pt"><FONT STYLE="font-size: 10pt">Unacceptable Corporate Governance Practices</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">15</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-indent: 10pt"><FONT STYLE="font-size: 10pt">No Transparency and Boilerplate Disclosure</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">18</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-indent: 10pt"><FONT STYLE="font-size: 10pt">A Long History of Related Party Transactions</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">20</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-indent: 10pt"><FONT STYLE="font-size: 10pt">Inexplicable Adoption of a Shareholder Rights Plan</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">22</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-indent: 10pt"><FONT STYLE="font-size: 10pt">Failure to Engage with Shareholders</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">22</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">MATTERS TO BE ACTED UPON</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">22</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">FIXING THE NUMBER OF DIRECTORS AND THE ELECTION OF DIRECTORS</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">22</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-indent: 10pt"><FONT STYLE="font-size: 10pt">Current Board of Directors and MFC Management Nominees</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">22</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-indent: 10pt"><FONT STYLE="font-size: 10pt">Fixing the Number of Directors and Voting for the Election of the Concerned Shareholder Nominees</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">23</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-indent: 10pt"><FONT STYLE="font-size: 10pt">Information on the Eight Concerned Shareholder Nominees</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">24</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">OTHER MATTERS TO BE ACTED UPON</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">33</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-indent: 10pt"><FONT STYLE="font-size: 10pt">Appointment of Auditor</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">33</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-indent: 10pt"><FONT STYLE="font-size: 10pt">Approval of Advance Notice Policy</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">33</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">GENERAL PROXY INFORMATION</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">34</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-indent: 10pt"><FONT STYLE="font-size: 10pt">Appointment of Proxies</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">34</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-indent: 10pt"><FONT STYLE="font-size: 10pt">Corporate Shareholders</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">34</FONT></TD></TR>
</TABLE>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0"></P>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
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<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-indent: 10pt; width: 94%"><FONT STYLE="font-size: 10pt">Revocation of Proxies by Registered Shareholders</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; width: 6%"><FONT STYLE="font-size: 10pt">34</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-indent: 10pt"><FONT STYLE="font-size: 10pt">Voting of Shares Represented by Proxy</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">35</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-indent: 10pt"><FONT STYLE="font-size: 10pt">Registered Shareholders</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">36</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-indent: 10pt"><FONT STYLE="font-size: 10pt">Non-Registered (Beneficial) Holders of Shares</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">36</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-indent: 10pt"><FONT STYLE="font-size: 10pt">Solicitation of Proxies and Payment of Related Expenses</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">38</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">OUTSTANDING SHARES AND PRINCIPAL HOLDERS</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">38</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-indent: 10pt"><FONT STYLE="font-size: 10pt">Shareholders Entitled to Vote</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">38</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-indent: 10pt"><FONT STYLE="font-size: 10pt">Principal Holders</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">39</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-indent: 10pt"><FONT STYLE="font-size: 10pt">IAT&rsquo;s Voting Intentions</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">40</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">EXECUTIVE COMPENSATION, INDEBTEDNESS, MANAGEMENT CONTRACTS AND EQUITY COMPENSATION PLANS</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">40</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">INTEREST IN MATERIAL TRANSACTIONS AND MATTERS TO BE ACTED UPON AT THE MEETING</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">40</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">INFORMATION CONTAINED IN THIS CIRCULAR</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">41</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">ADDITIONAL INFORMATION REGARDING MFC</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">41</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">CERTIFICATE</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">41</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">APPENDIX &ldquo;A&rdquo;</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">42</FONT></TD></TR>
</TABLE>


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<P STYLE="margin-top: 0; text-align: left; margin-bottom: 0">&nbsp;</P>

<P STYLE="margin-top: 0; text-align: left; margin-bottom: 0"></P>

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<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0"></P>

<P STYLE="font: bold 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-transform: uppercase; text-align: center">NOTICE TO
UNITED STATES SHAREHOLDERS</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">This document is not
subject to the requirements of Section 14(a) of the United States Securities Exchange Act of 1934, as amended (the &#8220;<B>U.S.
Exchange Act</B>&#8221;). Accordingly, any solicitation of proxies made in the United States with respect to securities of MFC
is made in accordance with applicable Canadian corporate and securities laws and this document has been prepared in accordance
with disclosure requirements applicable in Canada. Shareholders in the United States should be aware that these Canadian requirements
are different from the requirements under the U.S. Exchange Act.</P>

<P STYLE="font: bold 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-transform: uppercase; text-align: center">FORWARD-LOOKING
STATEMENTS AND INFORMATION</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">Certain information
included in, attached to or incorporated by reference into, this Circular, may contain forward-looking statements or forward-looking
information within the meaning of applicable securities laws, including in respect of IAT&#8217;s and MFC&#8217;s respective priorities,
plans and strategies for MFC and MFC&#8217;s anticipated financial and operating performance and business prospects. All statements
and information, other than statements of historical fact, included or incorporated by reference in this Circular are forward-looking
statements and forward-looking information, including, without limitation, statements regarding activities, events or developments
that IAT expects or anticipates may occur in the future. These forward-looking statements and information can be identified by
the use of forward-looking words such as &#8220;will&#8221;, &#8220;expect&#8221;, &#8220;intend&#8221;, &#8220;plan&#8221;, &#8220;estimate&#8221;,
&#8220;anticipate&#8221;, &#8220;believe&#8221; or &#8220;continue&#8221; or similar words and expressions or the negative thereof.
There can be no assurance that the plans, intentions or expectations upon which these forward-looking statements and information
are based will occur or, even if they do occur, will result in the plans, results or performance expected.</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">We caution readers
of this Circular not to place undue reliance on forward-looking statements and information contained in this Circular, which are
not a guarantee of performance, events or results and are subject to a number of risks, uncertainties and other factors that could
cause actual results, performance or events to differ materially from those expressed or implied by such forward-looking statements
or information. These factors include: changes in strategies, plans or prospects; general economic, industry, business and market
conditions; changes in board composition; IAT&#8217;s ability to pass certain resolutions at the Meeting; the outcome of the litigation
described herein; actions of MFC and its subsidiaries or competitors; the ability to implement business strategies and plans and
pursue business opportunities and conditions in the commodity supply chain industry; the availability and pricing of commodities;
the effects of competition and pricing; risks associated with volume growth and pricing; industry capacity and fluctuations in
market supply and demand; inflationary pressures, including increasing utility and fuel prices; potential increases in maintenance
and operating costs; potential legal and regulatory claims, proceedings or investigations; ability to realize any anticipated
or planned cost savings; disruptions or changes in the credit or securities markets; risks and liabilities associated with financing,
producing, sourcing, processing, transporting and storing commodities; timing of completion of capital and maintenance projects;
changes in applicable laws and regulations; foreign currency and interest rate fluctuations; labour strikes or lock-outs or unexpected
changes in labour productivity; and various other events that could disrupt MFC&#8217;s operations, including severe or unusual
weather conditions, droughts, floods, avalanches, earthquakes, war, acts of terrorism and security threats. MFC&#8217;s shareholders
are cautioned that all forward-looking statements and information involve known and unknown risks and uncertainties, including
those risks and uncertainties detailed in the continuous disclosure and other filings of MFC with applicable U.S. and Canadian
securities commissions, copies of which are available on the Electronic Data-Gathering, Analysis and Retrieval system (&#8220;<B>EDGAR</B>&#8221;)
at www.sec.gov and the System for Electronic Document Analysis and Retrieval (&#8220;<B>SEDAR</B>&#8221;) at <FONT STYLE="text-underline-style: none">www.sedar.com</FONT>.
We urge you to carefully consider those factors. We also caution readers of this Circular that MFC&#8217;s public disclosure record
lacks transparency and is boilerplate in many respects.</P>

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<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: left"></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify"></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">The
forward-looking statements and information contained in this Circular are expressly qualified in their entirety by this
cautionary statement. The forward-looking statements and information included in this Circular are made as of the date of
this Circular and we undertake no obligation to publicly update such forward-looking statements or information to reflect new
information, subsequent events or otherwise, except as required by applicable laws.</P>

<P STYLE="font: bold 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-transform: uppercase; text-align: center">CURRENCY</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">Unless otherwise noted,
references in this Circular to &#8220;$&#8221; and &#8220;dollars&#8221; are to United States dollars and all references to &#8220;C$&#8221;
are to Canadian dollars.</P>

<P STYLE="font: bold 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-transform: uppercase; text-align: center; text-indent: 0.5in">PROXY
CIRCULAR</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: black">This
Circular and the accompanying </FONT><FONT STYLE="color: #1F497D"><B><U>BLUE</U></B></FONT><FONT STYLE="color: black"> form of
proxy or </FONT><FONT STYLE="color: #1F497D"><B><U>BLUE</U></B></FONT><FONT STYLE="color: black"> voting instruction form, are
furnished in connection with the solicitation by IAT of proxies to be used at the Meeting of holders (the &#8220;<B>Shareholders</B>&#8221;)
of Shares of MFC, scheduled to be held at the Renaissance Hong Kong Harbour View Hotel, 1 Harbour Road, Wanchai, Hong Kong, on
December 27, 2013 at 4:00 p.m. (Hong Kong time) and at any and all adjournments or postponements of such meeting. The information
contained in this Circular is given as of the date of this Circular, except where otherwise noted.</FONT></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-weight: normal">This
solicitation is </FONT><B><U>not</U></B><FONT STYLE="font-weight: normal"> made by or on behalf of management of MFC.</FONT></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">You may have recently
received a MFC management proxy circular dated November 29, 2013 (the &#8220;<B>Management Circular</B>&#8221;) and a white form
of proxy or voting instruction form from management of MFC soliciting proxies in connection with the Meeting. According to the
Management Circular, Michael J. Smith, Shuming Zhao, Indrajit Chatterjee, Ian Rigg, Ravin Prakash and Silke S. Stenger are currently
directors of MFC. MFC is proposing to re-elect the two incumbent Class II board members, Shuming Zhao<B> </B>and Ravin Prakash
(the &#8220;<B>MFC Management Nominees</B>&#8221;), at the Meeting.</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-weight: normal; color: black">IAT
is soliciting your support, and providing a </FONT><FONT STYLE="color: #1F497D"><B><U>BLUE</U></B></FONT><FONT STYLE="font-weight: normal; color: black">
form of proxy or a </FONT><FONT STYLE="color: #1F497D"><B><U>BLUE</U></B></FONT><FONT STYLE="font-weight: normal; color: black">
voting instruction forms for use at the Meeting, to fix the number of directors of MFC at eleven and to elect the following eight
individuals (collectively, the &#8220;</FONT><FONT STYLE="color: black"><B>Concerned Shareholder Nominees</B><FONT STYLE="font-weight: normal">&#8221;)
as directors to the board of directors of MFC: </FONT></FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 0 0.25in; text-align: justify; text-indent: 0in"><FONT STYLE="font-family: Symbol">&middot;</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
        </FONT>Peter R. Kellogg</P>
        <P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 0 0.25in; text-align: justify; text-indent: 0in"><FONT STYLE="font-family: Symbol; color: black">&middot;</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif; color: black">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
        </FONT><FONT STYLE="color: windowtext">J. Andrew Betts</FONT></P>
        <P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 0 0.25in; text-align: justify; text-indent: 0in"><FONT STYLE="font-family: Symbol; font-weight: normal; color: black">&middot;</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif; color: black">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
        </FONT><FONT STYLE="color: windowtext">David L. Grange</FONT></P></TD>
    <TD STYLE="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 0 0.25in; text-align: justify; text-indent: 0in"><FONT STYLE="font-family: Symbol">&middot;</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
        </FONT><FONT STYLE="color: black">Jeffrey A. Harris</FONT></P>
        <P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 0 0.25in; text-align: justify; text-indent: 0in"><FONT STYLE="font-family: Symbol; color: windowtext">&middot;</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif; color: windowtext">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
        </FONT>William C. Horn III</P>
        <P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 0 0.25in; text-align: justify; text-indent: 0in"><FONT STYLE="font-family: Symbol; font-weight: normal">&middot;</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
        </FONT>Logan W. Kruger</P></TD>
    <TD STYLE="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 0 0.25in; text-align: justify; text-indent: 0in"><FONT STYLE="font-family: Symbol">&middot;</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
        </FONT>Patrice E. Merrin</P>
        <P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 0 0.25in; text-align: justify; text-indent: 0in"><FONT STYLE="font-family: Symbol; font-weight: normal">&middot;</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
        </FONT>Trevor S. Schultz</P></TD></TR>
</TABLE>
<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 12pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin-right: 0; margin-bottom: 12pt; margin-left: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-weight: normal">If
this solicitation is successful, MFC&#8217;s board would be comprised of eleven directors - the eight Concerned Shareholder Nominees
and the three incumbent Class I and Class III directors that are not up for re-election at the Meeting. In accordance with MFC&#8217;s
articles, if elected, the Concerned Shareholder Nominees will be apportioned (by the directors) among MFC&#8217;s three classes
of directors as to make all classes as equal in number as possible. Please also see the section of this Circular titled &#8220;<I>Matters
to Be Acted Upon &#8211; Fixing the Number of Directors and the Election of Directors</I>&#8221; for further information and issues
we are disputing with MFC.</FONT></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 12pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-weight: normal; color: black">Your
vote at the Meeting is very important to the future of your investment in MFC. If, after reading this Circular, you agree with
IAT that the addition of the Concerned Shareholder Nominees to MFC&#8217;s board will better serve your interests as a Shareholder,
please immediately vote your Shares in accordance with the instructions set out in the enclosed </FONT><FONT STYLE="color: #1F497D"><B><U>BLUE</U></B></FONT><FONT STYLE="font-weight: normal; color: black">
form of proxy or </FONT><FONT STYLE="color: #1F497D"><B><U>BLUE</U></B></FONT><FONT STYLE="font-weight: normal; color: black">
voting instruction form. </FONT><FONT STYLE="color: black">If you need assistance voting your </FONT><FONT STYLE="color: #1F497D"><B><U>BLUE</U></B></FONT><FONT STYLE="color: black">
proxy or </FONT><FONT STYLE="color: #1F497D"><B><U>BLUE</U></B></FONT><FONT STYLE="color: black"> voting instruction form or have
any questions<FONT STYLE="font-weight: normal">, please contact our proxy solicitor, Okapi Partners LLC at 1-855-208-8902 toll-free
in North America, or at 1-212-297-0720 outside of North America (collect calls accepted), or by e-mail at </FONT>mfcinfo@okapipartners.com<FONT STYLE="font-weight: normal">,
and they will be able to assist you to ensure your vote is counted at the Meeting.</FONT></FONT></P>


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<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: black">Vote
only your </FONT><FONT STYLE="color: #1F497D"><B><U>BLUE</U></B></FONT><FONT STYLE="color: black"> form of proxy or </FONT><FONT STYLE="color: #1F497D"><B><U>BLUE</U></B></FONT><FONT STYLE="color: black">
voting instruction form today. IAT is using a &#8220;universal&#8221; form of proxy and voting instruction form, which includes
the names of all of the director nominees and other matters to be considered at the meeting. We urge you to <B><U>IGNORE</U></B>
any white form of proxy or voting instruction form received from MFC<B>. </B>If you have previously voted using the white form
of proxy or voting instruction form sent to you by MFC, you may revoke your vote by executing the enclosed </FONT><FONT STYLE="color: #1F497D"><B><U>BLUE</U></B></FONT><FONT STYLE="color: black">
form of proxy or </FONT><FONT STYLE="color: #1F497D"><B><U>BLUE</U></B></FONT><FONT STYLE="color: black"> voting instruction form
and sending it by <I>fax</I> or <I>mail</I>. Alternatively, you can change your vote by using the </FONT><FONT STYLE="color: #1F497D"><B><U>BLUE</U></B></FONT><FONT STYLE="color: black">
proxy control number and voting on the <I>internet</I>. Only your latest dated form of proxy or voting instruction form will be
counted.</FONT></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-weight: normal; color: black">In
order to be deposited with MFC&#8217;s proxy tabulator in time to be used at the Meeting, we urge you to vote your </FONT><FONT STYLE="color: #1F497D"><B><U>BLUE</U></B></FONT><FONT STYLE="font-weight: normal; color: black">
proxy or </FONT><FONT STYLE="color: #1F497D"><B><U>BLUE</U></B></FONT><FONT STYLE="font-weight: normal; color: black"> voting instruction
form so that it is received by Okapi Partners LLC (&#8220;</FONT><FONT STYLE="color: black"><B>Okapi</B><FONT STYLE="font-weight: normal">&#8221;)
prior to </FONT><B>5:00 p.m. (New York time) on Sunday, December 22, 2013.</B><FONT STYLE="font-weight: normal"> </FONT></FONT></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: black">To
vote your Shares, please carefully follow the instructions under the section of this Circular entitled &#8220;General Proxy Information&#8221;
beginning at page <FONT STYLE="background-color: yellow">34</FONT> of this Circular and set out in the enclosed </FONT><FONT STYLE="color: #1F497D"><B><U>BLUE</U></B></FONT><FONT STYLE="color: black">
form of proxy or </FONT><FONT STYLE="color: #1F497D"><B><U>BLUE</U></B></FONT><FONT STYLE="color: black"> voting instruction form.
Even if you plan to attend the Meeting in person, you should complete and return your </FONT><FONT STYLE="color: #1F497D"><B><U>BLUE</U></B></FONT><FONT STYLE="color: black">
form of proxy or </FONT><FONT STYLE="color: #1F497D"><B><U>BLUE</U></B></FONT><FONT STYLE="color: black"> voting instruction form
in accordance with the enclosed instructions to ensure your vote is counted at the Meeting.</FONT></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-weight: normal; color: black">EVEN
IF YOU HAVE PREVIOUSLY DEPOSITED A WHITE PROXY OR HAVE PREVIOUSLY GIVEN VOTING INSTRUCTIONS IN SUPPORT OF THE MFC MANAGEMENT NOMINEES,
YOU MAY STILL CHANGE YOUR VOTE, OPPOSE MANAGEMENT&#8217;S NOMINEES AND SUPPORT THE CONCERNED SHAREHOLDER NOMINEES BY COMPLETING
AND SUBMITTING A </FONT><FONT STYLE="color: #1F497D"><B><U>BLUE</U></B></FONT><FONT STYLE="font-weight: normal; color: black">
PROXY OR GIVING VOTING INSTRUCTIONS IN ACCORDANCE WITH THE </FONT><FONT STYLE="color: #1F497D"><B><U>BLUE</U></B></FONT><FONT STYLE="font-weight: normal; color: black">
PROXY OR </FONT><FONT STYLE="color: #1F497D"><B><U>BLUE</U></B></FONT><FONT STYLE="font-weight: normal; color: black"> VOTING INSTRUCTION
FORM. A </FONT><FONT STYLE="color: #1F497D"><B><U>BLUE</U></B></FONT><FONT STYLE="font-weight: normal; color: black"> PROXY VOTED
LATER THAN ANY PREVIOUSLY SUBMITTED MANAGEMENT PROXY OR </FONT><FONT STYLE="color: #1F497D"><B><U>BLUE</U></B></FONT><FONT STYLE="font-weight: normal; color: black">
VOTING INSTRUCTIONS WILL AUTOMATICALLY REVOKE ANY PRIOR PROXY OR VOTING INSTRUCTIONS GIVEN.</FONT><FONT STYLE="color: black"><B>
</B><FONT STYLE="font-weight: normal">Only registered Shareholders have the right to revoke a form of proxy. </FONT><B>Non-Registered
Holders who wish to change their vote must arrange for their respective Intermediaries to revoke the form of proxy on their behalf
prior to the proxy voting deadline of 4:00 p.m. (Hong Kong time) on December 24, 2013</B>.<B> </B><FONT STYLE="font-weight: normal">
It should be noted that revocation of proxies or voting instructions by a Non-Registered Holder can take several days or even longer
to complete and, accordingly, any such revocation should be as soon as possible in advance of the deadline prescribed in the form
of proxy or VIF to ensure it is given effect in respect of the Meeting.</FONT></FONT></P>

<P STYLE="font: bold 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-transform: uppercase; text-align: center">ABOUT IAT
reinsurance company ltd.</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: black">IAT
is a Class 3 Bermuda domiciled reinsurer with an A-minus financial strength rating by A.M. Best. IAT has been in the reinsurance
business since 1984. IAT is headquartered in New York City. </FONT>IAT is an active underwriter of commercial and personal lines
property and casualty reinsurance and insurance, directly and through its eight wholly-owned insurance subsidiaries domiciled and
licensed in the U.S.<FONT STYLE="color: black"> IAT is committed to: protecting and growing its capital base through attracting
and retaining the best resources available; responsiveness and integrity in all its dealings; adhering to its business plan and
emphasizing pure underwriting profit; and offering continuity to its customers as long as its underwriting margin requirements
are met. IAT, together with its Chief Executive Officer and controlling shareholder, Peter R. Kellogg, are MFC&#8217;s single largest
shareholders, owning or controlling more than 33% of the outstanding Shares, and are committed to MFC&#8217;s success over the
long-term. For further information on Mr. Kellogg, please refer to his biography starting on page <FONT STYLE="background-color: yellow">24</FONT>
of this Circular.</FONT></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">Further information
concerning IAT and its plans for MFC can be found within this Circular and at www.timeforchangeatMFC.com<B>.</B></P>


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<P STYLE="font: bold 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-transform: uppercase; text-align: center">REASONS
FOR THIS SOLICITATION AND PLANS FOR MFC</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0in"><FONT STYLE="font-style: normal"><B>Background
to this Solicitation</B></FONT></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">We are soliciting proxies
to increase the size of MFC&#8217;s board to eleven directors and to elect our eight nominees to fill all available seats. Our
preferred course of action would have been to seek your help to replace MFC&#8217;s entire board at the upcoming shareholders&#8217;
meeting. However, as a consequence of MFC&#8217;s staggered board structure &#8211; a structure that is in stark contrast to today&#8217;s
good corporate governance practices &#8211; this cannot be achieved.</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">We are <U>not</U> shareholder
activists. In fact, this is the first time that I have ever instigated or been an active participant in a proxy contest. It is
also the first time that I have felt that the circumstances warranted it. W<FONT STYLE="color: black">e typically hold equity positions
of 5% and larger in our investment portfolio companies for long periods of time, often in excess of 10 years. In the case of MFC,
we have been MFC&#8217;s largest shareholders for approximately 14 years. Together, we currently control approximately 20.6 million
Shares that represent approximately 33% of MFC&#8217;s outstanding Shares (calculated on a non-diluted basis). In all of our investments
we encourage long-term stewardship of companies, which we believe is best realized through the proper working of an independent
board of directors whose fiduciary responsibility is to direct strategy, monitor performance, control risk and to challenge and
question management. The board of MFC has long failed to live up to these expectations.</FONT></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-style: normal">The
eight Concerned Shareholder Nominees are all highly experienced and qualified business leaders from a broad range of backgrounds
and sectors that will work towards achieving our objective of transforming MFC in terms of performance, transparency and accountability
to Shareholders. As we have said unequivocally from the beginning, <U>by no means are we trying to &#8220;take over&#8221; MFC
with our proposed board nominees</U>. All of the board nominees are independent for purposes of applicable securities law and exchange
rules and are also independent of MFC, and with the exception of me, all of the board nominees are independent of IAT. Our board
nominees are being put forward for the simple reason that we have lost all confidence in MFC&#8217;s current board. </FONT></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">We caution you to not
be distracted by MFC&#8217;s flailing attempts to discredit our board nominees. It is yet another transparent attempt to divert
your attention from the matters at hand. Instead, we encourage you to review our nominees&#8217; biographies starting at page <FONT STYLE="background-color: yellow">24</FONT><B>
</B>of this Circular. In stark contrast to MFC&#8217;s current board, with the Concerned Shareholder Nominees we seek to put in
place a board that has both &#8220;depth and breadth&#8221;; a high performing board that will set MFC on the right track. A board
where &#8220;good governance&#8221;, &#8220;good disclosure&#8221;, accountability and transparency are the norm, not the exception.
A board with the skills needed to enable MFC to refine and effectively execute on its strategy and to generate long-term value
for all Shareholders. A board with integrity; a board in which we can all have trust and confidence. MFC shareholders deserve nothing
less.</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0in"><FONT STYLE="font-style: normal"><B>Our
Lengthy List of Concerns Has Been Ignored by MFC</B></FONT></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">Each of you who have
listened to MFC&#8217;s earnings calls will understand management&#8217;s generally poor quality of response and style and occasional
lapses into incoherence, all of which prevents Shareholders from drilling down on the operational details of MFC&#8217;s performance.
We have been very patient with MFC and its board of directors for many years. We are not criticizing them from a distance. We are
neither detached nor disinterested but are bringing forward our complaints to you after a long history of frustration.</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">Our list of concerns
related to MFC&#8217;s board is long and numerous.&nbsp; Even the most common attributes of acceptable corporate governance have
long been absent at MFC.&nbsp; This board has allowed Mr. Smith to run MFC as if it were his own private fiefdom. Mr. Smith has
surprisingly (and shockingly) been the Chairman, CEO and CFO of MFC for quite some time. This is unacceptable from both a</P>


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<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">corporate governance and a risk management
perspective. Our review of the public record also demonstrates that the majority of MFC&#8217;s board has a long and cozy history
with Mr. Smith, MFC and its predecessors and subsidiaries. The board&#8217;s ineffectiveness, engendered by the lack of true independence,
is exacerbated by the long absence of their own personal share ownership, which is a telling marker of their misalignment with
shareholders. Other concerns include MFC&#8217;s <FONT STYLE="color: black">poor shareholder returns, failure to execute on its
strategy, lack of transparency, frequent auditor changes (three times since 2010, five times since 2005) and poor disclosure. These,
and many other reasons for our concern, are outlined in the enclosed proxy circular. We trust you will agree that our concerns
are compelling and that it is time for change at MFC.</FONT></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">This proxy solicitation
is by no means our first attempt to engage MFC. Over the last two years before taking this step, we have engaged MFC on numerous
occasions, including in face-to-face meetings, and asked for independent representation on the board. All of our efforts to reach
an amicable arrangement were rebuffed in no uncertain terms. The unyielding response, unexpected, inappropriate and unreasonable
considering the significance of our ownership stake and the reasonableness of our requests, has given us great pause for concern.</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0in"><FONT STYLE="font-style: normal"><B>MFC&#8217;s
Baseless Accusations and Fear Mongering</B></FONT></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-style: normal">When
we publicly notified MFC and our fellow shareholders of our intention to effect change on MFC&#8217;s board on November 25, 2013
in accordance with MFC&#8217;s advance notice policy, MFC&#8217;s board responded by immediately bringing two court actions against
us alleging, among other things, various technical disclosure violations of Section 13(d) of the United States Securities Exchange
Act of 1934 and violations of the early warning, insider reporting and takeover bid requirements under Canadian securities laws.
The suspicious timing of the court actions, and MFC&#8217;s failure to contact us with details regarding any concerns they allege
regarding our disclosure in advance of filing them, illustrates that the court actions are nothing more than a self-serving attempt
to intimidate IAT and further entrench MFC&#8217;S current board. MFC has made no effort to address the merits of the concerns
that drove us to nominate independent director candidates at this year&#8217;s shareholders&#8217; meeting, but rather seeks to
simply divert shareholders focus from the real issues related to the current board&#8217;s poor track record. </FONT></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: black">To
be clear, MFC&#8217;s allegations that shareholders and the market have been left &#8220;in the dark&#8221; regarding IAT&#8217;s
significant shareholdings are unfounded. </FONT>MFC has consistently disclosed IAT as the principal holder of its common shares
since 1999. Further, a<FONT STYLE="color: black">ny alleged violations of Canadian requirements by IAT would have been technical
and inadvertent and, in any event, have been addressed by IAT self-reporting regarding the same to the British Columbia Securities
Commission and IAT making corrective filings over two months ago. MFC&#8217;s complaint of technical violations is all the more
surprising given that we have uncovered evidence of disclosure violations by members of MFC&#8217;s current board, including Michael
Smith. </FONT></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-style: normal">The
recent allegations of the MFC board that IAT is soliciting proxies to &#8220;raid MFC&#8217;s substantial assets&#8221; are fictional
and laughable. IAT&#8217;s financial strength is confirmed by an A-minus financial strength rating from A.M. Best. In fact, IAT
has consolidated liquid assets in excess of <U>$1.4 billion</U>, which is nearly five times greater than MFC&#8217;s liquid assets.
Unlike MFC, IAT also has no outstanding long-term debt. Any suggestion that IAT is seeking MFC&#8217;s assets for its own benefit
is unfounded, ridiculous and intended to distract from the issues at hand. </FONT></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-style: normal">Additionally,
the claim by the MFC board that we are soliciting proxies to &#8220;gain control of [MFC&#8217;s] significant treasury&#8221; due
to IAT&#8217;s alleged lack of liquidity caused by an Internal Revenue Service (&#8220;<B>IRS</B>&#8221;) ruling is not just wrong
&#8211; it is simply absurd. While we freely admit to having a disagreement with the IRS (as no doubt many people have), it relates
to a tax liability that was paid in full by IAT in 2011, and is totally irrelevant to this proxy solicitation. Furthermore, the
only ongoing litigation with the</FONT></P>


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<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify"><FONT STYLE="font-style: normal">IRS relates
to IAT seeking recovery of the amounts it already paid plus interest. Again, however, this is completely unconnected to the issues
at hand.</FONT></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-style: normal">As
additional support for its tenuous position, MFC&#8217;s board has also claimed that IAT approached MFC in 2011 for a $50 million
loan due to IAT&#8217;s &#8220;lack of liquidity&#8221;, but were rebuffed by MFC on the basis that it was not in &#8220;the best
interests of MFC or its shareholders to grant a loan to IAT&#8221;. This is yet another example of MFC&#8217;s current board distorting
reality to try and gather shareholder support. In fact, IAT had conversations with several potential third party financiers regarding
the provision of an unsecured line of credit in 2011 (something that IAT had never previously considered). During that time, IAT
sought the advice of Michael Smith, who had several active banking relationships, and he agreed to make inquiries on IAT&#8217;s
behalf. However, before any assistance was provided, IAT <U>unilaterally</U> advised MFC in November 2011 that it no longer desired
additional credit funding, thus concluding all activity on this project. </FONT></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-style: normal"><B>To
be very clear and unequivocal, IAT will not receive any material benefits from the election of its nominees to the board that will
not be shared proportionally with all other MFC shareholders. Any allegation to the contrary by MFC&#8217;s current board &#8211;
including that IAT is seeking to &#8220;takeover&#8221; MFC or is in need of funds &#8211; is simply fear mongering and false.</B></FONT></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">MFC also claims in
its Management Circular that IAT&#8217;s proposals could trigger a change of control &#8220;under MFC's existing bank lines and
arrangements with lenders&#8221; and &#8220;change of control provisions in MFC's other contracts, including employment agreements
with management&#8221;. This threat is both extraordinary and desperate. MFC has never publicly filed any of these allegedly material
contracts (as is required under Canadian and U.S. securities laws) and the contention now of such negative implications suggests
that MFC has hidden from the public a matter of such materiality that it could be used to scare Shareholders from making change.
We are therefore left wondering if such claims are actually true or simply another scare tactic. Further, IAT has reviewed MFC&#8217;s
public filings and noted that only two executive officers are entitled to a payment in the event of a change of control (Michael
Smith and Ernest Alders). Not surprisingly, in neither case does MFC disclose to Shareholders how a change of control payment is
actually triggered (e.g. change of voting control, sale of assets, etc.). Indeed, if these are truly &#8220;single trigger&#8221;
payments as a result of a change of control, this is further evidence of MFC&#8217;s poor pay practices, as &#8220;single trigger&#8221;
payments have long been viewed as inappropriate. If other change of control payments are triggered in circumstances where independent
directors are being added to the board, MFC has clearly failed to appropriately disclose them to Shareholders, let alone quantify
them. This too is a contravention of Canadian and U.S. securities laws.</P>

<P STYLE="font: bold 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: center">MFC&#8217; Strategy: Poorly Defined,
Articulated and Executed</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-style: normal">MFC
has had multiple strategies in its history, two of which are currently operative: becoming a global supply-chain management firm
and undertaking opportunistic acquisitions where management can seek to unlock value. As described below, despite these stated
strategies, MFC continues to be vague about its true direction. While MFC continues to struggle to become a global commodity supply-chain
company, acquired assets that were identified by MFC as key to its current strategy sit languishing on the balance sheet. MFC&#8217;s
record of failed acquisitions only increases our skepticism over MFC&#8217;s execution prowess under the current board.</FONT></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0in"><B><I>Supply-Chain Strategy:
Vague, Risky and Poorly Executed</I></B></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-style: normal">In
August 2011, MFC revealed its strategy of becoming a global commodity supply-chain management firm, modeled after the Asian trading
group Noble Group. This model typically calls for having actual control of various commodities to sell or trade in support of
clients&#8217; businesses. MFC announced a plan to derive as much as 40% to 50% of its revenue from captive sources of commodities
that it would own or otherwise control. During this same timeframe, MFC also stated that it intended to &#8220;spin out to the
shareholders several assets not directly relevant to the global commodity supply chain operations, or to sell those assets and
pay out a special distribution to the shareholders&#8221;, neither of which has materialized. </FONT></P>

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<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify"></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin-top: 0; margin-right: 0; margin-left: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">Despite openly proclaiming
this new business model two years ago, MFC&#8217;s old roots as an opportunistic investor continue to ring loud. MFC&#8217;s most
recent Form 20-F filing, extracts of which are set out below, outlines a strategy more acquisition-centric than that of building
a supply-chain platform, and calls into question the actual importance of, and commitment to that strategy.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Book Antiqua, Times, Serif; margin-top: 0; margin-bottom: 6pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-style: normal">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-style: normal">&#8220;<B>Investing in Undervalued Opportunities</B>&#8230;whose
intrinsic value is not properly reflected in their share price&#8230;management can unlock value.&#8221;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Book Antiqua, Times, Serif; margin-top: 0; margin-bottom: 6pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-style: normal">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-style: normal">&#8220;<B>Strategic Investments</B>&#8230;in resource assets&#8230;strengthen
our commodities operations as and when opportunities arise.&#8221;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Book Antiqua, Times, Serif; margin-top: 0; margin-bottom: 6pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-style: normal">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-style: normal"><B>&#8220;Geographic Scope of Operations</B>&#8230;target new
business and investment opportunities worldwide&#8221;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Book Antiqua, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-style: normal">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-style: normal">&#8220;<B>Financial Profile</B>&#8230;maintain fiscal profile
(to) access necessary financing on competitive terms&#8230;manage acquisition risks and maintain a high level of liquidity.&#8221;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: black">Prior
to the proclaimed 2011 supply-chain strategy, acquisitions of a purely opportunistic nature were the dominant feature of MFC&#8217;s
corporate strategy; MFC operated as a merchant banker, made proprietary investments, held royalty interests and natural resource
assets.&nbsp; Despite poor and opaque disclosure, it appears that MFC&#8217;s principal revenue sources have remained unchanged
since 2010. The most recent </FONT>Form<I> </I><FONT STYLE="color: black">20-F filing confirms that MFC has not forsaken its historical
opportunistic strategy, but has simply added the new commodity supply-chain strategy.</FONT></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0in"><B><I>Supply-Chain Strategy:
Elusive and Risky Execution </I></B></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-style: normal">The
prospect of truly replicating the commodity supply-chain management model remains elusive and may be fraught with greater execution
risk than anticipated. A diverse asset base, both in terms of portfolio mix and geography, coupled with a streamlined comprehensive
risk management model and a strong balance sheet, are prerequisites for sustainable growth in the global commodity supply-chain
industry. Given that MFC&#8217;s business model is currently lacking in most of these areas, we believe it is not equipped to overcome
the inherent volatility in the global commodity supply-chain industry.</FONT></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-style: normal">Lack
of progress is also evident in the available data. Supply-chain companies are most often characterized by a high level of current
assets, high inventory turns and a low cash conversion cycle.&nbsp; Using these metrics, MFC compares very poorly with publicly
traded global supply chain companies. For example, MFC&#8217;s inventory turn decreased from 5.87 times in 2011 to 3.64 times in
2012, while Noble Group reported inventory turn of 22.73 times in 2011 and 29.6 times in 2012.&nbsp; MFC&#8217;s cash conversion
cycle increased from 38.03 days in 2011 to 89.78 days in 2012, while Noble Group reported a cash conversion cycle of 3.54 days
and 7.43 days in 2011 and 2012, respectively.&nbsp; MFC may be working toward transforming to a global commodities supply-chain
company, but two years into the plan, progress has been minimal and MFC remains largely what it has always been.</FONT></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0in"><B><I>Undefined Non-Strategic
Acquisitions</I></B></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-style: normal">Despite
having selective attributes of a commodity supply-chain management model, MFC continues to hold acquired assets that are not complementary
to the Noble Group business model, as evidenced by such holdings as Chinese eye-centers and medical supply services, German commercial
real estate, and an Ugandan power plant, for which clear business development strategies have been neither</FONT> <FONT STYLE="font-style: normal">defined
nor executed. Moreover, an analysis of MFC&#8217;s entry and exit into several of its non-core businesses reveals a concerning
pattern of related party transactions.</FONT></P>


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<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0in"><B><I>History of Failed
Acquisitions and Illegality</I></B></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-style: normal">A
history of failed acquisitions is a reminder of MFC&#8217;s challenge in executing natural resource development strategies. Two
significant acquisition/operational failures that particularly stand out are Canoro Resources Ltd. (&#8220;<B>Canoro</B>&#8221;)
and Magnum Minerals Private Ltd. (&#8220;<B>Magnum Minerals</B>&#8221;).</FONT></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-style: normal">In
June 2010, MFC&#8217;s predecessor, Mass Financial, acquired a controlling interest (52.9%) in Canoro (a Canadian oil &amp; gas
company operating in India) for total consideration of $15.4 million pursuant to an investment agreement (the &#8220;<B>Investment
Agreement</B>&#8221;). At the time of this investment, Canoro was a party to a production sharing contract (the &#8220;<B>PSC</B>&#8221;)
pertaining to the development of the Amguri oil field in Assam, India with, among others, the government of India. Shortly after
signing the Investment Agreement, the Ministry of Petroleum and Natural Gas of India (the &#8220;<B>Government of India</B>&#8221;)
provided Canoro with notice of termination of the PSC on the basis that Canoro and Mass Financial had entered into the Investment
Agreement without obtaining the Government of India&#8217;s prior consent. Canoro attempted to restrain the Government of India
from acting under the termination notice by filing a petition with the High Court of Delhi, but that petition was dismissed on
March 7, 2011. </FONT></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-style: normal">We
believe that the termination of the PSC was ultimately the result of Mass Financial hurriedly signing the Investment Agreement
without obtaining the Government of India&#8217;s consent (a process which we understand would have taken approximately 18 months).&nbsp;
As the PSC was already in dispute by December 2010, MFC (then known as Terra Nova) never consolidated the Canoro assets subsequent
to its merger with Mass Financial (the combined company changed its name to MFC in September 2011), in essence writing off the
entire investment in a very short timeframe. Incidentally, Michael Smith was a member of Canoro&#8217;s board of directors from
April 2010 to July 2011 and the Chairman of Mass Financial at the time of entering into the Investment Agreement (and Chairman,
CEO and a director of Terra Nova at the time of the merger). </FONT></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">Magnum Minerals, a
former wholly-owned subsidiary of MFC (and previously Mass Financial) had entered into agreements with certain third-party leaseholders
in the State of Goa, India for the purchase of iron ore at a fixed price per ton. In 2012, MFC disclosed that it had entered into
a further agreement for the processing and purchase of iron ore at a new property in very close proximity to the existing iron
ore operations. MFC was in the process of securing the necessary permits to commence operations when, in September 2012, all mining
in the State of Goa was banned due to the suspicion of widespread illegal mining activities. Disturbingly, Magnum Minerals and
Terra Nova were both specifically named in a December 6, 2011 <I>The Times of India</I> article in connection with allegedly carrying
on illegal mining activities.</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">MFC subsequently decided
to write-off the Magnum Minerals investment at year-end 2012, leading to a one-time non-cash impairment charge and inventory write-down
(net of an income tax recovery) of $48.2 million; rationalizing the write-down based on the uncertainty of the state of mining
activity in Goa. MFC did not disclose that at least one of Magnum Minerals&#8217; iron ore leases was under investigation for illegal
mining activities by a Commission of Inquiry appointed by the Indian central government. According to MFC&#8217;s public filings,
Magnum Minerals&#8217; shares were sold to an unidentified director of a MFC subsidiary in 2013 for nominal consideration, which,
in light of these circumstances, is concerning to us and may warrant further investigation under the newly constituted board.</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">Ravin Prakash, one
of the two MFC Management Nominees up for re-election at the Meeting, was shockingly both (i) <FONT STYLE="color: black">a member
of Canoro&#8217;s board of directors from July 2010 to July 2011 and Canoro&#8217;s president and chief executive officer from
August 2010 to July 2011, and (ii) </FONT>the Director and Chief Executive Chairman of Magnum Minerals during the time periods
described above. Given Mr. Prakash&#8217;shistory, how can MFC&#8217;s management
reasonably recommend that Shareholders re-elect him, let alone claim that he has a &#8220;proven record of delivering value on
an international stage&#8221;? With such recent failures, only the opposite should be said.</P>


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<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0in"><B><I>Strategic Assets
Languishing on the Balance Sheet </I></B></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: black">Development
strategies for the Compton </FONT>Petroleum<FONT STYLE="color: black"> Corporation (&#8220;<B>Compton Petroleum</B>&#8221;) and
Pea Ridge acquisitions, projects that MFC has heralded as key to its supply-chain strategy, have been neither defined nor executed.
These assets will require very significant capital investment and are not even close to being monetized. Shareholders cannot consider
&#8220;leaving molecules in the ground until prices improve&#8221; (to use management&#8217;s words) as a viable business strategy
for a natural gas operator (Compton </FONT>Petroleum<FONT STYLE="color: black">) with hundreds of undeveloped well sites. Similarly,
Shareholders should be concerned that MFC has owned a proven iron ore mine (Pea Ridge) for two years without being able to produce
a viable re-development plan, an industry compliant feasibility and economic study or an extraction strategy. </FONT></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: black">The
Compton </FONT>Petroleum<FONT STYLE="color: black"> and Pea Ridge assets have the potential of being monetized and integrated into
a commodity supply-chain infrastructure, but require a specific development strategy that remains undefined, and large capital
expenditures that MFC has as of yet chosen not to make. MFC has made known publicly that it does not have the in-house expertise
to execute the development. It may be that the potential of these properties is too costly or too difficult to bring to fruition.
In any case, the underperformance of these investments, which MFC has borrowed money to make, has been a significant factor in
MFC&#8217;s spotty operating record and diminishes the notion that MFC has an active and robust strategy to replicate the commodity
supply-chain management model. </FONT></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-style: normal">A
strategy centered around acquiring undervalued assets is not inherently an ill-conceived one, provided it comes with an execution
strategy aligned with developing and/or monetizing the asset. However, a strategy of acquiring undervalued assets without defined
criteria or execution strategy amounts to gambling with shareholder capital.</FONT></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0in"><B><I>IAT&#8217;s Plan
to Address MFC&#8217;s Flawed Strategy</I></B></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-style: normal">After
years of different strategic transitions and avoidable miscues in its opportunistic acquisition activity, MFC&#8217;s board no
longer has the right to be given any further blind trust or patience from its shareholders. MFC&#8217;s board of directors needs
to be held accountable, not only for its acquisition strategy, but also for its failure to integrate and monetize its acquired
assets and operations, effectively and on a timely basis. </FONT></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-style: normal">MFC
needs a strong and experienced board that will work with current management to carefully and thoughtfully plan and design the corporation&#8217;s
strategy and to regularly revisit it with an eye to its continued validity and the quality of execution. </FONT></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-style: normal">We
will recommend that, if the Concerned Shareholder Nominees are elected, the newly constituted board work with management and undertake
a thorough review of MFC&#8217;s strategy. MFC has declared its goal to become a commodity supply-chain and trading firm. It has
acquired undeveloped mining and energy assets to this end. MFC&#8217;s strategy has not been executed; the mining and energy assets
critical to that strategy continue to languish undeveloped. MFC has neither the skill nor the money to develop those assets. This
is hurting MFC&#8217;s financial results and hangs over the company&#8217;s future. The newly constituted board&#8217;s comprehensive
review of the value and importance of all assets against MFC&#8217;s strategy will be key. Whether assets are deemed core or non-core,
we will recommend that the newly constituted board quickly foster a plan to monetize them based on the most favorable risk/reward
analysis. We will also recommend that the newly constituted board act to determine if the proposed supply-chain strategy, with
or without amendment, is uniquely important or a mere subset of the</FONT>opportunistic/merchant
bank model that has anchored MFC throughout its history. In any case, MFC&#8217;s assets will be rationalized and/or monetized
as quickly as possible but in a manner that provides the best and most sustainable return on shareholder capital.</P>


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<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify"><FONT STYLE="font-style: normal"></FONT></P>

<P STYLE="font: bold 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: center">Poor Shareholder Returns, Poor Operational
Performance and Factual Distortions by MFC</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-style: normal">We
believe that long-term shareholder return is the best measure of the performance of a company&#8217;s board of directors. Unfortunately,
MFC does not share this view or even care about its share price, which has resulted in a significant disconnect with Shareholders.
This is evident from MFC&#8217;s actions and even more clear in statements they have made in the public record, such as &#8220;the
Compensation Committee does not consider the price of the Common Shares to be a strong indicator of performance&#8221;.<FONT STYLE="font-family: MS Mincho">&#8232;</FONT>
</FONT></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0in"><B><I>Poor Shareholder
Returns </I></B></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">MFC&#8217;s cumulative
total return, assuming a $100 investment in the Shares and the reinvestment of dividends, for the period from January 1, 2008 up
to November 30, 2013 has been dismal, particularly when compared against the Russell 2000 (MFC&#8217;s self-identified benchmark
index). As illustrated by the chart below, during this period, MFC&#8217;s total shareholder return <U>decreased</U> by 51.38%,
while the Russell 2000 <U>increased</U> by 61.88%. We find it utterly bizarre that MFC is selectively touting its compound annual
growth at the beginning of its Management Circular as compared to the S&amp;P 500, but makes no comment on the dismal performance
shown in the five year performance graph as compared to the Russell 2000 later in the same document.</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0; text-align: center"></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: center"><IMG SRC="image_007.jpg" ALT=""></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-style: normal">In
its Management Circular, MFC seeks to blur the facts by showing a compound annual growth rate of MFC's Shares between December
31, 2002 and 2012 of 20.1% over this 10-year period. Of course, MFC does not explain why, on the one hand it claims to be a global
commodity supply chain company, while using performance metrics dating as far back as 2002, a time when MFC described itself as
a merchant bank engaging in banking, trading, financing commercial trade, and proprietary investing. </FONT></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-style: normal">From
2002 through 2010, MFC changed itself from a merchant bank and proprietary investment firm to a cement plant engineering firm and
back again to a merchant bank with commodity trading and proprietary investing. It was not until August 2011 that MFC publicly
announced its intention to refocus its business into a global commodity supply chain company. Yet, despite claiming its competitors
to be Noble Group, Glencore Xstrata plc (&#8220;<B>Glencore</B>&#8221;), Bunge Limited and Brenntag Group, it uses performance
metrics for a company and timeframe that bear no resemblance to the company it is attempting to define today. MFC as it exists
today was formed from the merger of Terra Nova and Mass</FONT></P>


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<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify"><FONT STYLE="font-style: normal">Financial
in December 2010. Any relevant assessment of performance should be based from that date forward, not during a time filled with
proprietary investments spanning the spectrum from medical emergency vehicles to Chinese eye care centers to commercial real estate
to cement plant engineering.</FONT></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-style: normal">Despite
significant acquisitions since refocusing the business in mid-2011, including Pea Ridge iron ore mine, Compton Petroleum, ACC Resources
Co. LP and Possehl Mexico, from December 31, 2010 to November 30, 2013, MFC has reported a <U>negative</U> 2.05% return in share
price and a paltry 6.56% total return compared to a 51.77% return by the Russell 2000 over the same timeframe.</FONT></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0in"><B><I>MFC Relies on Book
Value to Claim Strong Financial Performance</I></B></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-style: normal">MFC
is claiming strong financial performance during the period from December 31, 2002 through September 30, 2013, by illustrating an
increase of 307% in book value from $180.6 million to $735.3 million. What is not disclosed is that by our calculation approximately
72% of the increased book value was generated from accounting treatment and not from operational performance. The accounting treatments
accounted for approximately $401 million of increased book value through fair-market adjustments during the change over to IFRS
reporting and negative goodwill booked on &#8220;bargain purchases&#8221;, such as Compton Petroleum (which seems suspect to say
the least, as discussed below). We are also concerned with MFC&#8217;s claimed book value given the frequent auditor changes described
below and general sparseness of MFC&#8217;s disclosure record. The figures presented by MFC are just another example of the board
distorting the facts, or using metrics that conveniently enhance performance reporting. One must wonder why MFC continues to refuse
to use industry standard metrics for measuring and assessing operational performance. </FONT></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">The reality is that
MFC has historically traded significantly below book value and, as of October 31, 2013, was currently trading at 0.69 times book
value, while MFC&#8217;s self-identified &#8220;competitors&#8221;, such as Noble Group and Glencore, have historically enjoyed
a price to book value well above 1.0 times. MFC&#8217;s under-performance is further highlighted considering the average price
to book value of the Russell 2000 and S&amp;P 500 was 3.05 times and 2.22 times, respectively, in 2012. Clearly the market is skeptical
of MFC&#8217;s financial performance.</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-style: normal">If
the Concerned Shareholder Nominees are elected, we believe that MFC&#8217;s newly constituted board will be empowered to create
and implement a value enhancing strategy for MFC that will focus on improving shareholder returns and operational performance in
a transparent and understandable manner. As should be the case now, MFC&#8217;s management will be responsible and accountable
to the board and the board will be responsible and accountable to shareholders. </FONT></P>

<P STYLE="font: bold 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: center">Frequent and Unexplained Auditor Changes
and Financial Accounting Concerns</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-style: normal">Since
November 2010, MFC has changed its auditors three times. MFC also changed its auditors on two other occasions prior to that. On
each occasion, no credible reason was given for the change. Shareholders should always be cautious when a company announces an
auditor change, as it may be related to underlying but undisclosed problems in the company&#8217;s financial reporting and accounting
practices. For a company of MFC&#8217;s size with operations all around the world, we believe that the absence of a meaningful
relationship with an audit firm is a matter of serious concern, which is only heightened in MFC&#8217;s case, with the CEO also
acting as CFO and Chairman. Furthermore, these frequent auditor changes makes us question the integrity of MFC&#8217;s risk management
and financial control systems. </FONT></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">We are also confused
by MFC&#8217;s accounting practices relating to the Compton Petroleum acquisition. In September 2012, MFC acquired the shares of
Compton Petroleum for approximately $41.87 million. However, for financial statement reporting purposes MFC reported they received
net assets (at fair market value) of over $280 million. As a result, they recorded negative goodwill (also known as a &#8220;bargain
purchase&#8221;) of $244.6 million thus boosting equity by the same amount. While we acknowledge</P>


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<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">that a bargain purchase is technically
possible under International Financial Reporting Standards, it is relatively unusual, especially of the magnitude that MFC recognized
it. We also note that MFC has recorded negative goodwill on several other transactions over the past few years.</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: black">We
would recommend that, if the Concerned Shareholder Nominees are elected, the newly constituted board undertake a detailed review
of MFC&#8217;s financial </FONT>accounting practices to determine if there are any irregularities. In particular, we would recommend
that the board undertake a review of MFC&#8217;s bargain purchase accounting and accounting for frequent and large asset impairments.
We would also recommend that a<FONT STYLE="color: black"> strong and transparent disclosure regime be established to allow reasonable
and effective public monitoring of performance. In addition, we would recommend that the newly constituted board revamp MFC&#8217;s
audit committee charter to specifically address auditor hiring policies (with a view to ensuring that </FONT>auditor independence
requirements are complied with)<FONT STYLE="color: black">, a matter that is not addressed in the current charter but that is clearly
needed.</FONT></P>

<P STYLE="font: bold 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: center">Complete Loss of Confidence in the
Current Board</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: black">We
have clearly lost all confidence in MFC&#8217;s current board of directors. Unfortunately, </FONT>as a consequence of MFC&#8217;s
staggered board structure, we cannot seek to replace the entire board at the Meeting and are therefore asking for your help to
take back control of the board on behalf of Shareholders. <FONT STYLE="color: black">The board has a fiduciary responsibility to
direct strategy, monitor performance, control risk and to &#8220;do the right thing&#8221; for the Company. MFC&#8217;s board has
failed to fulfill this responsibility and lacks credibility with Shareholders. The need for change at MFC is only exacerbated by
the board&#8217;s self-serving actions over the last few weeks.</FONT></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-style: normal">Incredibly,
Michael Smith is the board-approved Chairman, CEO and CFO of MFC. From both a governance perspective, and a day-to-day operational
perspective, this is highly inappropriate and of significant concern. In particular, the board Chairman, CEO and CFO have different
responsibilities and a different focus. The Chairman should be responsible for leading the board and ensuring that it is acting
in the long-term best interests of the company. The CEO should be responsible for leading management, developing and implementing
the corporation&#8217;s business strategy over the short and longer term, and reporting to the board. The CFO should be responsible
for planning and managing the short-term and long-term financial health of the company and report impartially, with integrity,
to the CEO and the board. Combining the three positions clearly creates inherent conflicts of interest, risk and obscures accountability.
A Chairman cannot effectively oversee senior management when he is the CEO and the CFO and a member of the management team. </FONT></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">MFC&#8217;s current
board have sat idly by and permitted one person to continue day after day as the Chairman, CEO and CFO. We have been very patient
in waiting for this situation to be corrected. As far back as August 15, 2011, Michael Smith stated to analysts that &#8220;What
I really need is a new CFO and a new Chief Operating Officer. I think we&#8217;ve got the CFO and I don't know if I&#8217;ve got
the Operating Officer. But right now we're viewing we want them all into the place [<I>sic</I>] this quarter. It&#8217;s time now
to-- now we have a focus. It&#8217;s time now to broaden the company with additional people.&#8221; On March 30, 2013, Mr. Smith
stated further that &#8220;I should not be in the CEO role or the CFO role&#8221;. We agree, but we can no longer simply wait for
Michael Smith to &#8220;make good&#8221; on his word. This lack of separation creates inherent conflicts of interest, obscures
accountability and is wholly unacceptable from both a governance and risk management perspective.</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-style: normal">In
addition to allowing this conflict of interest to self-perpetuate, we believe that there are numerous other examples that show
how MFC&#8217;s current board of directors and board committees have been &#8220;asleep at the wheel&#8221;, failed to fulfil their
fiduciary responsibility to supervise management and do not have interests that are aligned with Shareholders, including:</FONT></P>


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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Book Antiqua, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify"><B>Unaligned Interests.</B> The non-executive directors of MFC have little or no personal Share
ownership in MFC. There is consequently no alignment of interest between non-executive directors on the one hand and Shareholders
on the other hand. In line with current established corporate governance best practices, we believe that the interests of shareholders
and directors are best aligned when a director (or the Shareholder who appointed him or her) has a material investment in the company.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Book Antiqua, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-style: normal">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-style: normal"><B>Questionable Independence.</B> Rather than searching out and
engaging a broad range of highly qualified and experienced directors, it appears that many of the current directors are Mr. Smith&#8217;s
long-time friends and business colleagues, not only bringing into question whether they have the necessary skills and experience,
but also bringing into question their independence. In addition, Mr. Ian Rigg, a member of MFC&#8217;s audit committee, was a former
managing director of a MFC subsidiary until at least November 24, 2010, and thus does not appear to comply with independence requirements
under applicable Canadian securities laws. </FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Book Antiqua, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-style: normal">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-style: normal"><B>No Long-Term Objectives.</B> Despite the fact that it is customary
and appropriate to do so, the current board of directors has not publicly set any long-term objectives, targets, goals or other
measures by which management can be held accountable to Shareholders. </FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Book Antiqua, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-style: normal">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-style: normal"><B>Inappropriate Executive Compensation Framework. </B>The current
board has utterly failed to establish long-term objectives, targets, goals or other measures that are tied to executive compensation.
Little if any component of MFC&#8217;s executive compensation framework is &#8220;at risk&#8221; or based on achieving pre-determined
operational milestones. When granted, stock options typically vest <U>immediately</U> (rather than at set future intervals or upon
MFC achieving pre-determined objectives) and, despite the company&#8217;s history of poor share performance, the current board
has consistently approved discretionary annual bonuses and salary increases to management. </FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Book Antiqua, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-style: normal">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-style: normal"><B>Lack of Shareholder Access. </B>Even though the vast majority<B>
</B>of the Shares are held in the United States and MFC is incorporated in British Columbia and only listed on the NYSE, MFC regularly
holds its Shareholder meetings in Hong Kong at the end of December each year. The board has intentionally made it difficult and
inconvenient for Shareholders to attend such meetings, thereby intentionally thwarting shareholder democracy. Indeed, even after
we publicly and repeatedly requested that the Meeting be held at a more convenient time and location for Shareholders than Hong
Kong on December 27 (meaning that Shareholders in North America wishing to attend the Meeting in person would be required to leave
on Christmas morning), MFC&#8217;s board pointedly ignored the request. This is yet another example of MFC&#8217;s board looking
out for their own interests, irrespective of the inconvenience to Shareholders.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">As detailed starting
on page <FONT STYLE="background-color: yellow">24</FONT><B> </B>of this Circular, the eight Concerned Shareholder Nominees are
highly competent and will bring the requisite knowledge and experience to the board. Going forward, we would propose that, if the
Concerned Shareholder Nominees are elected, the newly constituted board adopt a policy that requires that at least two-thirds of
MFC&#8217;s directors be independent of management. IAT would also recommend that the newly constituted board enact rules to ensure
the independence of directors, including that future non-executive directors will:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Book Antiqua, Times, Serif; margin-top: 0; margin-bottom: 6pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-style: normal">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-style: normal">not be former employees of the company or any of its subsidiaries;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Book Antiqua, Times, Serif; margin-top: 0; margin-bottom: 6pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">not have, or have had any, material business relationship with the company either directly, or
a partner, shareholder or senior employee of a body that has such a relationship with MFC;</TD></TR></TABLE>


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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Book Antiqua, Times, Serif; margin-top: 0; margin-bottom: 6pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">not receive additional remuneration from MFC apart from a director&#8217;s fee or participation
in MFC&#8217;s share option or a performance-related pay scheme that is approved by Shareholders;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Book Antiqua, Times, Serif; margin-top: 0; margin-bottom: 6pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">not have family ties with any of MFC&#8217;s directors or senior employees; or</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Book Antiqua, Times, Serif; margin-top: 0; margin-bottom: 6pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">not have significant links with other MFC directors through involvement in other companies or bodies.</TD></TR></TABLE>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-style: normal">In
addition, if all of the Concerned Shareholder Nominees are elected to the board, IAT would recommend that the newly constituted
board institute the following measures, all of which are aimed at increasing transparency and investor confidence in MFC&#8217;s
board and management team and aligning MFC&#8217;s executive compensation structure with share performance: </FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Book Antiqua, Times, Serif; margin-top: 0; margin-bottom: 6pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-style: normal">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-style: normal">the roles of the Chair, CEO and CFO will be separated; </FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Book Antiqua, Times, Serif; margin-top: 0; margin-bottom: 6pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-style: normal">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-style: normal">clear roles and responsibilities will be developed for each member
of senior management;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Book Antiqua, Times, Serif; margin-top: 0; margin-bottom: 6pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-style: normal">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-style: normal">share ownership for directors will be mandatory and would be achieved
in part by paying part of directors&#8217; fees in form of shares, until such time as ownership reaches at least three times the
amount of annual compensation; </FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Book Antiqua, Times, Serif; margin-top: 0; margin-bottom: 6pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-style: normal">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-style: normal">a third-party consultant would be retained to develop and implement
appropriate executive and director compensation and incentive plans to align the interests of management and directors with Shareholders;
</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Book Antiqua, Times, Serif; margin-top: 0; margin-bottom: 6pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-style: normal">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-style: normal">a significant component of executive compensation will be &#8220;at
risk&#8221; and based on performance and based on key business metrics that are aligned with the corporate strategy and the period
during which risks are assumed; </FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Book Antiqua, Times, Serif; margin-top: 0; margin-bottom: 6pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-style: normal">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-style: normal">benefits, severance and change-of-control entitlements will be
reviewed for any sign of excessiveness; </FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Book Antiqua, Times, Serif; margin-top: 0; margin-bottom: 6pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-style: normal">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-style: normal">the compensation structure will be simple and easily understood
by management, the board and Shareholders; </FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Book Antiqua, Times, Serif; margin-top: 0; margin-bottom: 6pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-style: normal">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-style: normal">board independence will be supported by the establishment of robust
and well defined board processes and procedures to assist directors in meeting their oversight responsibilities; </FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Book Antiqua, Times, Serif; margin-top: 0; margin-bottom: 6pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-style: normal">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-style: normal">meaningful mandates for board committees will be established to
ensure committee independence; </FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Book Antiqua, Times, Serif; margin-top: 0; margin-bottom: 6pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-style: normal">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-style: normal">a proper succession plan will be established; and</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Book Antiqua, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-style: normal">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-style: normal">strategy and risk management will be overseen.</FONT></TD></TR></TABLE>

<P STYLE="font: bold 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: center">Unacceptable Corporate Governance Practices</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-style: normal">We
believe that companies that follow well-accepted principles of good governance have less risk and generate greater long-term value
for their shareholders than comparable companies with less robust governance practices. &#8220;Governance&#8221; includes how the
board is structured and how it operates, the board&#8217;s approach to executive compensation and shareholder engagement and the
board&#8217;s oversight of the company&#8217;s risk management policies, including its environmental and geopolitical risks.</FONT></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 6pt; text-align: justify; text-indent: 0.25in"><FONT STYLE="font-style: normal">After
a detailed review of, and based on, MFC&#8217;s public disclosure record, it is clear that MFC&#8217;s corporate governance practices
are dismal at best, and fall significantly short on almost all relevant &#8220;best practices&#8221; recommended for public companies.
The following is a short summary of our own corporate governance compliance review based on NYSE, Institutional Shareholder Services,
Inc. (&#8220;<B>ISS</B>&#8221;) and the</FONT> <FONT STYLE="font-style: normal">Canadian
Securities Administrators (&#8220;<B>CSA</B>&#8221;) requirements and best practices. Please refer to Appendix &#8220;B&#8221;
to this Circular for the full results. </FONT></P>




<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 6pt; text-align: justify"></P>


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<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-style: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 6pt; text-align: justify; text-indent: 0.25in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<TR STYLE="text-align: center; vertical-align: middle">
    <TD STYLE="width: 32%; padding-right: 5.4pt; padding-bottom: 6pt; padding-left: 5.4pt; font: 18pt Book Antiqua, Times, Serif; text-justify: inter-ideograph"><FONT STYLE="font: 11pt Wingdings 2; color: #C00000"><B>O
    </B></FONT><FONT STYLE="font-size: 11pt">= not compliant</FONT></TD>
    <TD STYLE="width: 35%; padding-right: 5.4pt; padding-bottom: 6pt; padding-left: 5.4pt; font: 16pt Book Antiqua, Times, Serif; text-justify: inter-ideograph"><FONT STYLE="font-size: 11pt"><B>&#9644;
    </B>= minimally compliant</FONT></TD>
    <TD STYLE="width: 33%; padding-right: 5.4pt; padding-bottom: 6pt; padding-left: 5.4pt; font: 16pt Book Antiqua, Times, Serif; text-justify: inter-ideograph"><FONT STYLE="font: 11pt Wingdings"><B>&uuml;</B></FONT><FONT STYLE="font-size: 11pt">=
    compliant</FONT></TD></TR>
</TABLE>
<P STYLE="font: 6pt Book Antiqua, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 9pt Book Antiqua, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="background-color: black">
    <TD COLSPAN="4" STYLE="border: windowtext 1pt solid; padding-top: 8px; text-align: center; text-justify: inter-ideograph; font-size: 10pt; vertical-align: middle; padding-bottom: 8px"><FONT STYLE="color: White"><B>MFC
    GOVERNANCE REPORT CARD</B></FONT></TD></TR>
<TR STYLE="background-color: white; vertical-align: bottom; text-align: right">
    <TD COLSPAN="4" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <IMG SRC="image_008.jpg" ALT=""><P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0"><B>&nbsp;&nbsp;</B></P>
        <P STYLE="font: 10pt Book Antiqua, Times, Serif; margin-top: 0; margin-right: 0; margin-bottom: 0; text-indent: 60pt"></P></TD></TR>
<TR STYLE="background-color: #D99594">
    <TD COLSPAN="2" STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: left; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font-size: 9pt; text-transform: uppercase"><B>I.&nbsp;&nbsp;&nbsp;Board of Directors</B></FONT></TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: justify; text-justify: inter-ideograph"><FONT STYLE="font-size: 9pt; text-transform: uppercase"><B>III.&nbsp;&nbsp;&nbsp;Audit CommitteE</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 41%; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: left; text-justify: inter-ideograph"><FONT STYLE="font-size: 9pt">Independent Chair of the Board</FONT></TD>
    <TD STYLE="width: 8%; border-bottom: windowtext 1pt solid; border-right: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: center; text-justify: inter-ideograph; font-size: 18pt"><FONT STYLE="font: 18pt Wingdings 2; color: #C00000"><B>O</B></FONT></TD>
    <TD STYLE="width: 44%; border-bottom: windowtext 1pt solid; border-right: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; padding-left: 8.1pt; text-indent: -8.1pt; text-align: left; text-justify: inter-ideograph"><FONT STYLE="font-size: 9pt">Independence</FONT></TD>
    <TD STYLE="width: 7%; border-bottom: windowtext 1pt solid; border-right: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font-size: 12pt"><B>&#9644;</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: left; text-justify: inter-ideograph"><FONT STYLE="font-size: 9pt">Directors&#8217; Meetings</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: center; text-justify: inter-ideograph; font-size: 12pt"><FONT STYLE="font-size: 12pt"><B>&#9644;</B></FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; padding-left: 8.1pt; text-indent: -8.1pt; text-align: left; text-justify: inter-ideograph"><FONT STYLE="font-size: 9pt">Written charter</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font-size: 12pt"><B>&#9644;</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: left; text-justify: inter-ideograph"><FONT STYLE="font-size: 9pt">Communications with Directors&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font: 18pt Wingdings 2; color: #C00000"><B>O</B></FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; padding-left: 8.1pt; text-indent: -8.1pt; text-align: left; text-justify: inter-ideograph"><FONT STYLE="font-size: 9pt">Responsibilities</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font: 18pt Wingdings 2; color: #C00000"><B>O</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: left; text-justify: inter-ideograph"><FONT STYLE="font-size: 9pt">Classified/Staggered Boards</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font: 18pt Wingdings 2; color: #C00000"><B>O</B></FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; padding-left: 8.1pt; text-indent: -8.1pt; text-align: left; text-justify: inter-ideograph"><FONT STYLE="font-size: 9pt">Authority to Engage External Advisor</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font: 16pt Wingdings"><B>&uuml;</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: left; text-justify: inter-ideograph"><FONT STYLE="font-size: 9pt">Board Mandate or Corporate Governance Guidelines</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font: 18pt Wingdings 2; color: #C00000"><B>O</B></FONT></TD>
    <TD COLSPAN="2" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; background-color: #D99594; padding-top: 3pt; padding-bottom: 3pt; text-align: left; text-justify: inter-ideograph"><FONT STYLE="font-size: 9pt; text-transform: uppercase"><B>IV.&nbsp;&nbsp;&nbsp;Governance Policies and Procedures</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: left; text-justify: inter-ideograph"><FONT STYLE="font-size: 9pt">Orientation and Continuing Education</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font: 18pt Wingdings 2; color: #C00000"><B>O</B></FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; padding-left: 8.1pt; text-indent: -8.1pt; text-align: justify; text-justify: inter-ideograph"><FONT STYLE="font-size: 9pt">Code of Ethics</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font: 18pt Wingdings 2; color: #C00000"><B>O</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: left; text-justify: inter-ideograph"><FONT STYLE="font-size: 9pt">Regular Board Assessments</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font: 18pt Wingdings 2; color: #C00000"><B>O</B></FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; padding-left: 8.1pt; text-indent: -8.1pt; text-align: justify; text-justify: inter-ideograph"><FONT STYLE="font-size: 9pt">Whistleblowing Policy/Procedures</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font: 18pt Wingdings 2; color: #C00000"><B>O</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; background-color: #D99594; padding-top: 3pt; padding-bottom: 3pt; text-align: left; text-justify: inter-ideograph"><FONT STYLE="font-size: 9pt; text-transform: uppercase"><B>II.&nbsp;&nbsp;&nbsp;Other Board Committees</B></FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; padding-left: 8.1pt; text-indent: -8.1pt; text-align: justify; text-justify: inter-ideograph"><FONT STYLE="font-size: 9pt">Disclosure Policy</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font-size: 12pt"><B>&#9644;</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; background-color: #D9D9D9; padding-top: 3pt; padding-bottom: 3pt; text-align: left; text-justify: inter-ideograph"><FONT STYLE="font-size: 9pt"><B>Nominating Committee</B></FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; padding-left: 8.1pt; text-indent: -8.1pt; text-align: left; text-justify: inter-ideograph"><FONT STYLE="font-size: 9pt">Insider Trading Policy</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font-size: 12pt"><B>&#9644;</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; padding-left: 9pt; text-align: justify; text-justify: inter-ideograph"><FONT STYLE="font-size: 9pt">Independence</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font: 18pt Wingdings 2; color: #C00000"><B>O</B></FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; padding-left: 8.1pt; text-indent: -8.1pt; text-align: justify; text-justify: inter-ideograph"><FONT STYLE="font-size: 9pt">Regulation FD Policy</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font-size: 12pt"><B>&#9644;</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: justify; text-justify: inter-ideograph"><FONT STYLE="font-size: 9pt">&#9;Written Charter</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font-size: 12pt"><B>&#9644;</B></FONT></TD>
    <TD COLSPAN="2" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; background-color: #D99594; padding-top: 3pt; padding-bottom: 3pt; text-align: left; text-justify: inter-ideograph"><FONT STYLE="font-size: 9pt; text-transform: uppercase"><B>V.&nbsp;&nbsp;&nbsp;Compensation</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: justify; text-justify: inter-ideograph"><FONT STYLE="font-size: 9pt">&#9;Responsibilities</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font: 18pt Wingdings 2; color: #C00000"><B>O</B></FONT></TD>
    <TD COLSPAN="2" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; background-color: #D9D9D9; padding-top: 3pt; padding-bottom: 3pt; text-align: justify; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font-size: 9pt"><B>Executive compensation</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: justify; text-justify: inter-ideograph"><FONT STYLE="font-size: 9pt">&#9;Authority to Engage External Advisor</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: center; text-justify: inter-ideograph; font-size: 16pt"><FONT STYLE="font: 16pt Wingdings"><B>&uuml;</B></FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; padding-left: 8.1pt; text-indent: -8.1pt; text-align: justify; text-justify: inter-ideograph"><FONT STYLE="font-size: 9pt">&#9;Executive Pay Evaluation</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font: 18pt Wingdings 2; color: #C00000"><B>O</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: justify; text-justify: inter-ideograph"><FONT STYLE="font-size: 9pt">&#9;Nominating Process</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font: 18pt Wingdings 2; color: #C00000"><B>O</B></FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; padding-left: 8.1pt; text-indent: -8.1pt; text-align: justify; text-justify: inter-ideograph"><FONT STYLE="font-size: 9pt">&#9;Equity-Based and Other Incentive Plans</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font: 18pt Wingdings 2; color: #C00000"><B>O</B></FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: #D9D9D9">
    <TD COLSPAN="2" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: justify; text-justify: inter-ideograph"><FONT STYLE="font-size: 9pt"><B>Compensation Committee</B></FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-indent: -0.9pt; text-align: justify; text-justify: inter-ideograph"><FONT STYLE="font-size: 9pt"><B>Termination and Change of Control Provisions</B></FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font: 18pt Wingdings 2; color: #C00000"><B>O</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: justify; text-justify: inter-ideograph"><FONT STYLE="font-size: 9pt">&#9;Independence</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font: 18pt Wingdings 2; color: #C00000"><B>O</B></FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; background-color: #D9D9D9; padding-top: 3pt; padding-bottom: 3pt; padding-left: 8.1pt; text-indent: -8.1pt; text-align: justify; text-justify: inter-ideograph"><FONT STYLE="font-size: 9pt"><B>Say on Pay</B></FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; background-color: #D9D9D9; padding-top: 3pt; padding-bottom: 3pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font: 18pt Wingdings 2; color: #C00000"><B>O</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: justify; text-justify: inter-ideograph"><FONT STYLE="font-size: 9pt">&#9;Written Charter</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font: 18pt Wingdings 2; color: #C00000"><B>O</B></FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; background-color: #D9D9D9; padding-top: 3pt; padding-bottom: 3pt; padding-left: 8.1pt; text-indent: -8.1pt; text-align: justify; text-justify: inter-ideograph"><FONT STYLE="font-size: 9pt"><B>Problematic Pay Practices</B></FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; background-color: #D9D9D9; padding-top: 3pt; padding-bottom: 3pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font: 18pt Wingdings 2; color: #C00000"><B>O</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: justify; text-justify: inter-ideograph"><FONT STYLE="font-size: 9pt">&#9;Responsibilities</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font-size: 12pt"><B>&#9644;</B></FONT></TD>
    <TD COLSPAN="2" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; background-color: #D99594; padding-top: 3pt; padding-bottom: 3pt; text-align: left; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font-size: 9pt; text-transform: uppercase"><B>VI.&nbsp;&nbsp;&nbsp;SHareholder Rights issues</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: justify; text-justify: inter-ideograph"><FONT STYLE="font-size: 9pt">&#9;Authority to Engage External Advisor</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font-size: 12pt"><B>&#9644;</B></FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; padding-left: 8.1pt; text-indent: -8.1pt; text-align: justify; text-justify: inter-ideograph"><FONT STYLE="font-size: 9pt">Proxy Access</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font: 18pt Wingdings 2; color: #C00000"><B>O</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: justify; text-justify: inter-ideograph"><FONT STYLE="font-size: 9pt">&#9;Compensation Decision Making</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font: 18pt Wingdings 2; color: #C00000"><B>O</B></FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; padding-left: 8.1pt; text-indent: -8.1pt; text-align: justify; text-justify: inter-ideograph"><FONT STYLE="font-size: 9pt">&#8220;Blank Cheque&#8221; Preferred Shares</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font: 18pt Wingdings 2; color: #C00000"><B>O</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; background-color: #D9D9D9; padding-top: 3pt; padding-bottom: 3pt; text-align: justify; text-justify: inter-ideograph"><FONT STYLE="font-size: 9pt"><B>Risk Committee</B></FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; background-color: #D9D9D9; padding-top: 3pt; padding-bottom: 3pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font: 18pt Wingdings 2; color: #C00000"><B>O</B></FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; padding-left: 8.1pt; text-indent: -8.1pt; text-align: justify; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font-size: 9pt">Shareholder Rights Plans</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-top: 3pt; padding-bottom: 3pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font: 18pt Wingdings 2; color: #C00000"><B>O</B></FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; background-color: #D9D9D9; padding-top: 3pt; padding-bottom: 3pt; text-align: justify; text-justify: inter-ideograph"><FONT STYLE="font-size: 9pt"><B>Disclosure Committee</B></FONT></TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; background-color: #D9D9D9; padding-top: 3pt; padding-bottom: 3pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font: 18pt Wingdings 2; color: #C00000"><B>O</B></FONT></TD>
    <TD COLSPAN="2" STYLE="padding-bottom: 12pt; text-align: justify; text-justify: inter-ideograph; font-size: 10pt">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 6pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.25in"><FONT STYLE="font-style: normal">Based
on our corporate governance review, the following are just some of the governance concerns that we believe need to be addressed:</FONT></P>

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<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-style: normal">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-style: normal"><B>Staggered Board Structure.</B> MFC&#8217;s articles documents
provide for three classes of directors with staggered terms. This structure &#8211; which is opposed by leading proxy advisory
firms &#8211; only serves to facilitate entrenchment by unduly protecting the board from Shareholder influence. Research also shows
that companies with a staggered board have (i) been found to have lower</FONT></TD></TR></TABLE>


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<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt 0.5in; text-align: justify"><FONT STYLE="font-style: normal">value;
(ii) a greater likelihood of making acquisitions that are value-destroying; and (iii) a greater propensity to compensate executives
without regard to whether they actually do a good job. Both ISS and the Canadian Coalition for Good Governance (the &#8220;<B>CCGG</B>&#8221;)
support the annual election of all directors</FONT></P>

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<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-style: normal">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-style: normal"><B>No &#8220;Majority Voting&#8221; Policy.</B> The current board
has failed to implement a &#8216;&#8216;majority voting&#8217;&#8217; policy for directors at shareholder meetings, which would
provide that a director who fails to win a majority of votes in his or her favour in an uncontested election must offer to resign
his or her seat on the board. The effect of MFC&#8217;s current practice is that a director can be elected with only a single &#8220;for&#8221;
vote, even when an overwhelming number of shareholders withhold their vote. The CCGG advocates strongly for a &#8220;majority voting&#8221;
policy, noting that, without majority voting, shareholders have no meaningful way to remove underperforming or unqualified directors.
Likewise, ISS also supports a majority vote standard, while the Institute of Corporate Directors has declared that majority voting
is a governance best practice. </FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Book Antiqua, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify"><B>No &#8220;Say on Pay&#8221; Voting Policy. </B>The current board has failed to implement a &#8220;say
on pay&#8221; voting policy, which would provide Shareholders with an advisory vote on the compensation of the most highly compensated
executives. We believe that a &#8220;say on pay&#8221; policy, which is supported by various corporate governance advocates (including
ISS and the CCGG) and is mandatory for all U.S. domestic reporting issuers, encourages companies to engage in a more meaningful
dialogue with their shareholders regarding compensation practices.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Book Antiqua, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-style: normal">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-style: normal"><B>No Lead Independent Director.</B> MFC does not have a lead
independent director despite having the CEO/CFO as the Chairman of the board and there is no indication that independent directors
hold regularly scheduled executive sessions at which non-independent directors and members of management are not in attendance.
Both ISS and the CCGG advocate for independence of the Chair and separation from the role of CEO.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Book Antiqua, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; color: black">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="color: black"><B>Non-compliance with Audit Committee Independence Requirements.</B>
National Instrument 52-110 &#8211; <I>Audit Committee</I> (&#8220;<B>NI 52-110</B>&#8221;) requires MFC to have an audit committee
composed of at least three directors, all of whom must be independent. MFC&#8217;s Audit Committee is made up of Dr. </FONT>Shuming
Zhao, Mr. Indrajit Chatterjee, Mr<FONT STYLE="color: black">. Ian Rigg and Ms. <FONT STYLE="font-weight: normal">Silke </FONT>Stenger
(only following her appointment to the board in August 2013). MFC consider all four of these directors to be independent, yet </FONT>Mr<FONT STYLE="color: black">.
Rigg was a former managing director of a MFC subsidiary until at least November 24, 2010 and therefore could not be considered
independent under NI 52-110 (until at least three years after his employment term ended). MFC therefore appears to fail to comply
with the requirements of NI 52-110. </FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify"><B>Size of Board</B>. While there is no universal agreement on the appropriate size of a public
company&#8217;s board of directors, best practice suggests that there must be a sufficient number of directors to enable the board
of directors to function efficiently and effectively. According to a GMI Ratings study, the average size of a board of directors
is 9.2 members.&nbsp; The size of MFC&#8217;s Board is significantly smaller than the market average and clearly inappropriate
given the size and complexity of MFC&#8217;s businesses.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Book Antiqua, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-style: normal">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-style: normal"><B>Committee Overlap</B>. The same four directors serve as members
of all of MFC&#8217;s board committees. We believe that one of the main advantages of having separate board committees is so that
members of each committee can concentrate and develop expertise in specific areas, allowing the full board to focus on overall
stewardship. We believe that the composition of MFC&#8217;s board committees significantly impairs the value and effectiveness
of having separate board committees. This is only exacerbated by the small size of the board (which IAT proposes to increase to
eleven members) which does not allow for any committee member rotation. </FONT></TD></TR></TABLE>


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<P STYLE="margin: 0">&nbsp;</P>

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<TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-style: normal">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-style: normal"><B>Tie-Breaking Vote for Chairman.</B> MFC&#8217;s articles provide
for a casting, or tie-breaking, vote to the Chairman at both board and shareholders&#8217; meetings. We believe that this practice
is inappropriate and should be discontinued immediately.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-style: normal">The
above are only some of the governance concerns that we believe need to be addressed. If the Concerned Shareholder Nominees are
elected, we will recommend that the newly constituted board&#8217;s top corporate governance priorities for the following year
be to:</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Book Antiqua, Times, Serif; margin-top: 0; margin-bottom: 6pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-style: normal">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-style: normal">immediately separate the roles of Chair, CEO and CFO;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Book Antiqua, Times, Serif; margin-top: 0; margin-bottom: 6pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-style: normal">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-style: normal">seek to repeal MFC&#8217;s staggered board structure;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Book Antiqua, Times, Serif; margin-top: 0; margin-bottom: 6pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-style: normal">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-style: normal">adopt a &#8220;majority voting&#8221; policy;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Book Antiqua, Times, Serif; margin-top: 0; margin-bottom: 6pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-style: normal">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-style: normal">reconstitute all of MFC&#8217;s board committees;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Book Antiqua, Times, Serif; margin-top: 0; margin-bottom: 6pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-style: normal">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-style: normal">implement a code of conduct to appropriately address conflicts
of interest; and </FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Book Antiqua, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-style: normal">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-style: normal">implement a process to properly oversee management. </FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.25in"><FONT STYLE="font-style: normal">&#9;Over
the longer term, we will also recommend to the newly constituted board that MFC comply with applicable corporate governance &#8220;best
practices&#8221; recommended by the New York Stock Exchange, the CSA and leading proxy advisory firms. </FONT></P>

<P STYLE="font: bold 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: center">No Transparency and Boilerplate Disclosure</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-style: normal">MFC&#8217;s
public disclosure is boilerplate and inadequate in most respects and demonstrates a lack of actual understanding and application
of its own mandates, charters and policies. MFC has also not heeded to requests by shareholders on numerous earnings calls for
increased and more transparent financial reporting. We believe that meaningful, detailed and tailored disclosure is the foundation
for good governance as it is the primary means for shareholders to understand and evaluate board and committee performance. </FONT></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-style: normal">There
are numerous examples of MFC providing opaque, inadequate or boilerplate disclosure to shareholders, including with respect to
the following: </FONT></P>

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<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-style: normal">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-style: normal"><B>Board Nominees.</B> MFC does not discuss or provide any formal
statement on the qualifications or standards that are applied in selecting nominees for election to the board. Further, there is
no discussion regarding the appropriate size of the board despite the fact that the size of the board has been in a state of flux
in recent years, nor is there any meaningful discussion about how the board nominates new members in terms of desired competencies
and/or gaps desired to be filled.</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-style: normal">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-style: normal"><B>Executive Compensation.</B> Without further explanation, MFC
states that certain aspects of executive and director compensation is administered by the board and that the administration of
the stock option plan is directly under the authority of the board. We find this problematic given that a significant option award
was granted to Mr. Smith in 2011, who is Chairman of the board as well as CEO and CFO. We believe that providing the board with
such authority significantly impairs the independence and effectiveness of the compensation committee. MFC also provides no disclosure
as to whether Mr. Smith&#8217;s compensation and/or grants are being discussed by the independent directors without him being present.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Book Antiqua, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-style: normal">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-style: normal"><B>Risk Management. </B>MFC does not have a risk committee and
does not discuss its risk practices generally. We believe that managing risk is particularly important when one</FONT></TD></TR></TABLE>


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<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt 1in; text-align: justify"><FONT STYLE="font-style: normal">individual
is wearing numerous &#8220;hats&#8221; within the Company and the Company has operations around the world and is involved in trading
and merchant banking activities.</FONT></P>

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<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-style: normal">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-style: normal"><B>Opaque Disclosure on &#8220;Treasury Stock&#8221;.</B> MFC&#8217;s
financial statements contain opaque references to &#8220;treasury stock&#8221; that may be held by wholly-owned subsidiaries or
by MFC. It is unclear how many treasury shares MFC has outstanding, whether such shares are common or preferred shares, who owns
them, whether they can be voted and, if so, who votes them and whether they are included in the 62,827,502 common shares reported
by MFC in its Management Circular (it appears that historically, based on disclosure in MFC&#8217;s 2006 annual financial statements,
they have not been properly reported, thus leaving Shareholders with no ability to know what percentage of issued and outstanding
shares they own). The level of opaqueness surrounding MFC&#8217;s &#8220;treasury stock&#8221; is entirely unacceptable for a public
company, especially given its frequent use of &#8220;poison pills&#8221; and given the numerous legal requirements that apply based
on the percentage of issued and outstanding shares owned or controlled by a Shareholder, including Canadian take-over bid rules,
early warning reports, insider reports, the Investment Canada Act, Competition Act (Canada) and other anti-trust laws. </FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Book Antiqua, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-style: normal">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-style: normal"><B>Mass Employees Incentive Corporation.</B> In MFC&#8217;s management
information circular dated September 29, 2010, MFC disclosed that Michael Smith had sole voting and dispositive power over 3,394,614
common shares of Mass Financial Corp. held by the Mass Employees Incentive Corporation (the &#8220;<B>Mass</B> <B>Employee Trust</B>&#8221;),
which pursuant to the MFC take-over bid dated October 7, 2010, were exchanged on a one-for-one basis for MFC shares. By virtue
of such transaction, Mr. Smith, through his control of the Mass Employee Trust, controlled or directed an additional 5.6% of MFC&#8217;s
issued and outstanding common shares. This was not reported as required on Schedule 13D filings or on insider reports on SEDI.
MFC subsequently reported that &#8220;sole voting and dispositive power over [the Mass Employee Trust] was transferred to an independent
trustee&#8221; but provided no disclosure regarding the timing of the transfer, the identity of the trustee, whether the trustee
is a joint actor with Michael Smith, and how such voting and dispositive power is exercised. The trustee has also not reported
such holdings in accordance with Schedule 13D requirements.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-style: normal">It
is also difficult to correlate the current market capitalization of MFC with the value of its assets given MFC&#8217;s poorly stated
strategy and poor disclosure record. A key function of a public company&#8217;s board is to ensure that the value of its assets
is fairly understood by shareholders and reflected in the market. We believe that, given MFC&#8217;s poor disclosure record, there
is a lack of understanding of the true value of MFC&#8217;s asset portfolio and that this lack of transparency highly impairs MFC&#8217;s
ability to attract new shareholders, raise capital and realize its full value in the long term.</FONT></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-style: normal">We
would recommend that, if the Concerned Shareholder Nominees are elected, the newly constituted board revamp MFC&#8217;s public
disclosure record to provide shareholders with clear and meaningful disclosure that is tailored to MFC&#8217;s specific lines of
business. </FONT></P>

<P STYLE="font: bold 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: center">A Long History of Related Party Transactions</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-style: normal">While
most companies seek to avoid related party transactions given actual or perceived conflicts of interests, MFC has a long history
of related party transactions without any apparent business purpose. MFC&#8217;s management appears to regularly buy and sell assets
between and among its affiliated entities at undisclosed amounts. In particular, MFC has a track record of sale and buy-back transactions
whereby it sells assets to related parties only to directly or indirectly buy back such assets at undisclosed amounts at a later
date. We believe that any related party transaction bears shareholder scrutiny, but a series of such</FONT></P>


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<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify"><FONT STYLE="font-style: normal">transactions
warrants serious concern. Unfortunately for Shareholders, MFC&#8217;s public disclosure record does not provide meaningful detail
regarding these transactions, simply stating in past financial statements that MFC enters into related party transactions &#8220;in
the normal course of operations&#8221; with MFC&#8217;s &#8220;directors, President, Chief Executive Officer, Chief Financial Officer,
Chief Operating Officer and their close family members, as well as any entity which has significant influence over MFC&#8221;.
This is very troubling and is in our view unacceptable and wholly inappropriate for a public company. </FONT></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-style: normal">Based
on our review and analysis of several documents scattered throughout MFC&#8217;s opaque public disclosure record, we believe that
there are numerous examples of sale and buy-back related party transactions which have not been properly disclosed to Shareholders
and raise serious concerns, including the following more recent examples: </FONT></P>

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<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify"><B>Sale of Assets in Goa, India</B>. As described above, during the financial year ended December
31, 2012, MFC recognized a one-time non-cash impairment charge and inventory write-down (net of an income tax recovery) of $48.2
million on its interest in iron ore extracting facilities in Goa, India (such interests were valued at approximately $46 million
during the previous financial year) after the Supreme Court of India banned all mining activities in the relevant areas. As a result
of this mining ban, MFC advised Shareholders that it had decided to &#8220;move on&#8221; from this investment and disclosed that
&#8220;we&#8230;sold our position for nominal consideration, consisting of an interest in any future cash flow if mining actually
resumes&#8221;. While MFC&#8217;s disclosure on this sale is poor and inadequate, it would appear that the purchaser of such assets
for &#8220;nominal consideration&#8221; was a director of one of MFC&#8217;s subsidiaries.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Book Antiqua, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-style: normal">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-style: normal"><B>Kasese Cobalt Company Limited (&#8220;KCCL&#8221;). </B> KCCL
owned a cobalt refinery in Uganda and was 75% owned by an affiliate of MFC, Blue Earth Refineries Inc. (&#8220;<B>Blue Earth</B>&#8221;)
(which was spun-off from MFC in December 2004). In March 2012, MFC acquired KCCL from Blue Earth for approximately $28 million,
notwithstanding that the cobalt refinery in question had only 17 months of reserves remaining. It appears that MFC also accepted
the costs and obligations of closing the cobalt refinery once operations were completed. At the time of Blue Earth&#8217;s latest
available disclosure, Michael Smith was a director, president, CEO and secretary of Blue Earth and held approximately 11% of Blue
Earth&#8217;s shares and would have personally benefitted from the sale of Blue Earth to MFC. </FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Book Antiqua, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-style: normal">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-style: normal"><B>0915988 B.C. Ltd. </B>In August 2011, MFC reorganized its indirect
iron ore royalty interest in the Wabush mine by transferring it to 0915988 B.C. Ltd. (which was a publicly-listed empty shell company)
in a cashless exchange for a voting interest of 40.1% and a non-voting interest of 100%, or an aggregate economic interest of 99.44%.
As of June 13, 2011, Michael Smith was also a director 0915988 B.C. Ltd. Shortly after such transaction with MFC, 0915988 B.C.
Ltd. entered into a limited partnership agreement with an unspecified subsidiary of MFC and in March 2012, funneled approximately
$16.5 million into such limited partnership for the purposes of making &#8220;investments in businesses, companies or other entities,
including, but not limited to, debt and/or equity investments and to acquire, hold, maintain, operate, improve, develop, sell,
exchange, lease and otherwise use the Limited Partnership assets for profit and to engage in all activities related thereto.&#8221;
As of the date of this Circular, neither MFC nor 0915988 B.C. Ltd. have disclosed the details of such investment activities. In
March 2013, less than two years after MFC&#8217;s initial investment in 0915988 B.C. Ltd., MFC acquired the remaining shares in
an all cash transaction. The business purpose behind MFC&#8217;s short-lived involvement in 0915988 B.C. Ltd., remains unclear
and troubling to us.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">International Accounting
Standards under IFRS require &#8220;&#8230;(i)f an entity has had related party transactions during the periods covered by the
financial statements, it shall <I>disclose the nature of the related</I></P>


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<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify"><I>party relationship as well as information
about those transactions and outstanding balances</I>..&#8221; While the details of the transactions with KCCL and 0915988 B.C.
Ltd are disclosed in MFC&#8217;s 2012 financial statements, there is no indication in those disclosures of the nature of the related
party relationship.</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-style: normal">In
all of the above transactions (and others over the past several years), there is poor and inadequate disclosure regarding (a) the
nature of the related party transaction (including its value), (b) the process undertaken to vet and approve the transaction and
(c) whether the transaction was appropriately reviewed and approved by independent and non-conflicted directors. These, and MFC&#8217;s
other related party transactions, raise serious concerns for us. </FONT></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">Additionally, we note
that MFC&#8217;s recent interim financial statements disclose that related party transactions were &#8220;measured at the exchange
value which represents the <U>amounts of consideration established and agreed to by the parties</U>&#8221;. Since International
Accounting Standards prevent companies from representing that related party transactions are made on arm&#8217;s length terms unless
such terms can be substantiated, MFC&#8217;s language is of concern to us as it implies that MFC&#8217;s related party transactions
may not be at arm&#8217;s length and that related parties may be benefitting. The above disclosure is also inconsistent with that
contained in MFC&#8217;s most recent annual financial statements and management&#8217;s quarterly report on MFC&#8217;s financial
condition and results of operations, which state that related party transactions were &#8220;<U>arm&#8217;s length transactions</U>
at normal market prices and on normal commercial terms&#8221;.</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-style: normal">We
will recommend that, if the Concerned Shareholder Nominees are elected, the newly constituted board undertake a thorough review
of all related party transactions undertaken by MFC over the last five years. We will also recommend that, going forward, related
party transactions be the exception and not the norm for MFC and any transactions with an apparent or potential conflict of interest
will be appropriately disclosed and thoroughly vetted and approved by independent and non-conflicted directors. In particular,
we will recommend to the newly constituted board that all disclosure regarding material related party transactions include details
of the following to ensure investors are provided with sufficient information to make informed investments: (i) all material related
party arrangements (including their value); (ii) the nature of the relationship; (iii) whether the arrangement is at arm's length;
(iv) whether shareholder approval was sought; and (v) MFC&#8217;s policies and procedures for entering into related party transactions.</FONT></P>

<P STYLE="font: bold 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: center">Inexplicable Adoption of a Shareholder
Rights Plan</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.25in"><FONT STYLE="color: black">&#9;On
November 11, 2013, MFC inexplicably adopted a shareholder rights plan, which took effect on November 22, 2013 (the &#8220;<B>Rights</B>
<B>Plan</B>&#8221;). In principle, IAT has no objection to a corporation&#8217;s appropriate use of a so-called &#8220;poison pill&#8221;</FONT>.
<FONT STYLE="color: black">However, Shareholders should be very skeptical of MFC&#8217;s claim that the Rights Plan is &#8220;designed
to encourage fair and equal treatment of shareholders&#8221; when MFC&#8217;s management has decided to not put the Rights Plan
to Shareholders for approval at the Meeting. We believe that the current board&#8217;s adoption of the Rights Plan, the manner
in which the current board adopted the Advance Notice Policy as described below, and the suspicious timing of the court actions
against us, are all examples of the current board attempting to insulate itself from shareholder accountability.</FONT></P>

<P STYLE="font: bold 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: center">Failure to Engage with Shareholders</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-style: normal">MFC
views its shareholders with mistrust and contempt and does not seek to engage with them in any meaningful way. As described above,
during its tenure as an MFC shareholder, IAT has repeatedly tried to enter into a constructive dialogue with MFC&#8217;s management
to suggest ways to improve the company and its governance structure, but each attempt was met with, contempt, delay or outright
refusal. </FONT></P>


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<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-style: normal">In
order to discharge their fiduciary oversight responsibility to the company, we believe that MFC&#8217;s board must communicate
with its shareholders and take their interests into consideration. Better shareholder engagement has the potential to provide useful
information to the board and management, improve the company&#8217;s goodwill and credibility with its shareholders, and increase
shareholder value. Shareholder views can also provide an external measure of company performance. We believe that these views may
be valuable in fine-tuning MFC&#8217;s strategies and as a source of potential warning signals. Institutional shareholders, such
as IAT, given their exposure to a broad spectrum of companies and business strategies in a given sector (and even to comparable
companies in different sectors), are in a position to bring forward suggestions which may not have been considered by MFC or which
validate an existing or potential company initiative. </FONT></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-style: normal">If
the Concerned Shareholder Nominees are elected, we will recommend that the newly constituted board seek to ensure there is regular,
constructive engagement with shareholders and that they obtain feedback on their governance practices directly from the shareholders
to whom they are accountable. In addition, we will recommend that the newly constituted board adopt a formal policy for shareholder
engagement that sets out MFC&#8217;s processes with respect to the receipt and handling of communications with shareholders.</FONT></P>

<P STYLE="font: bold 10pt Book Antiqua, Times, Serif; margin: 0; text-transform: uppercase; text-align: center">MATTERS TO BE ACTED
UPON</P>

<P STYLE="font: bold 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-transform: uppercase; text-align: center">FIXING THE
NUMBER OF DIRECTORS AND THE ELECTION OF DIRECTORS</P>

<P STYLE="font: bold 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: left">Current Board of Directors and MFC Management
Nominees</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">According to the Management
Circular, the board of directors of MFC is currently comprised of the following six individuals: Michael J. Smith, Ian Rigg, Indrajit
Chatterjee, Shuming Zhao, Ravin Prakash and Silke S. Stenger. MFC is proposing to re-elect the two incumbent Class II board members,
Shuming Zhao<B> </B>and Ravin Prakash (referred to herein as the MFC Management Nominees), at the Meeting.</P>

<P STYLE="font: bold 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: left">Fixing the Number of Directors and Voting
for the Election of the Concerned Shareholder Nominees</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-weight: normal">MFC
has structured its current board as a staggered board with three classes of directors (Class I, Class II and Class III), which
only serves to entrench the current board and thwart shareholder democracy. At each annual meeting of MFC&#8217;s shareholders,
only one class of directors is elected to hold office for a three-year term. At the Meeting, only the two current Class II directors
will be up for re-election. </FONT></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-weight: normal">As
a consequence of MFC&#8217;s staggered board structure, we cannot seek to replace the entire board at the Meeting, which would
be our preferred course of action. We are therefore asking for your help to take back control of the board on behalf of Shareholders.
In order to do this, we are asking for your support to (a) increase the size of MFC&#8217;s board to eleven directors, and (b)
elect the eight Concerned Shareholder Nominees to fill all available seats. </FONT></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-weight: normal; color: black">Shortly
after IAT announced its intention to ask Shareholders to fix the board at eleven directors &#8211; <U>a right that Shareholders
have always had</U> &#8211; MFC claimed that, on the unanimous recommendation of its &#8220;independent&#8221; Nominating and Corporate
Governance Committee, the current board had unilaterally amended MFC&#8217;s articles to fix the board size at six directors &#8220;to
address an inconsistency with [MFC&#8217;s] staggered board structure&#8221;. </FONT>This behaviour is shockingly inappropriate
and we intend to challenge this self-serving conduct on the part of MFC&#8217;s board as a wrongful act of entrenchment. We simply
do not recognize MFC&#8217;s <I>ex post facto</I> claim that the board size is fixed by directors and not Shareholders.</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-weight: normal">Furthermore,
since MFC&#8217;s claim that the board size has been fixed at six by the directors is improper, MFC&#8217;s most recent board appointee,
Ms. Silke Stenger, cannot stay on the board past the</FONT></P>


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<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify"><FONT STYLE="font-weight: normal">upcoming
annual meeting. This is because shareholders fixed the size of MFC&#8217;s board at five directors at the 2011 annual general meeting.
In order for Ms. Stenger &#8211; the sixth member of MFC&#8217;s board &#8211; to remain on the board past the upcoming meeting,
shareholders (and not directors) would need to fix the board at six directors to allow her to remain. Any claim by MFC that this
ability is now held by the board is invalid and a wrongful act of entrenchment.</FONT></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-weight: normal">If
we are successful with this solicitation and the court action, MFC&#8217;s board would be comprised of eleven directors &#8211;
the eight Concerned Shareholder Nominees and the three incumbent Class I and Class III directors that are not up for re-election
at the Meeting. Ms. Stenger would cease to be a director. In accordance with MFC&#8217;s articles, if elected, the Concerned Shareholder
Nominees will be apportioned (by the directors) among MFC&#8217;s three classes of directors as to make all classes as equal in
number as possible.</FONT></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-weight: normal">In
order to fix the number of directors at eleven, the approval of a simple majority (50% plus one) of the Shares present in person
or represented by proxy at the Meeting is required. In order for the eight Concerned Shareholder Nominees to be elected to the
board, they must receive the most &#8220;for&#8221; votes at the Meeting. To accomplish this shared goal, we recommend you:</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Book Antiqua, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: left">Vote <B><U>FOR</U></B> fixing the number of directors of MFC at eleven;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Book Antiqua, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: left">Vote <B><U>FOR</U></B> the election of the eight Concerned Shareholder Nominees;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Book Antiqua, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: left"><B><U>WITHHOLD</U></B> votes from the MFC Management Nominees;</TD></TR></TABLE>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt 0.75in; text-align: left; text-indent: -0.25in"><FONT STYLE="font-family: Symbol; font-weight: normal">&middot;</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="color: black">Vote<B><U> FOR</U></B> the appointment of auditors<FONT STYLE="font-weight: normal">; and</FONT></FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Book Antiqua, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="color: black">Vote<B><U> FOR</U></B> the approval of the Advance Notice Policy.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">In the event it is
determined that the recent changes to the articles by MFC&#8217;s current board described above are legally permissible (which
IAT strongly disputes), IAT is recommending that Peter Kellogg and J. Andrew Betts replace the two MFC Management Nominees as Class
II directors and all other Concerned Shareholder Nominees will be withdrawn as director nominees. Under those circumstances, if
IAT is successful, MFC&#8217;s board would be comprised of six directors: Indrajit Chatterjee and Silke S. Stenger (Class I directors),
Mr. Kellogg and Mr. Betts (Class II directors) and Michael Smith and Ian Rigg (Class III directors).</P>

<P STYLE="font: bold 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: left">Information on the Eight Concerned Shareholder
Nominees</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">IAT is nominating the
eight individuals set out below for election to the board at the Meeting, all of whom are highly qualified and experienced. Collectively,
they have an extensive range of relevant corporate board, accounting, governance, business and industry experience necessary to
constitute a high performing board for MFC. With the exception of Peter Kellogg, who is the Chief Executive Officer and controlling
shareholder of IAT, no other Concerned Shareholder Nominee<B> </B>is an affiliate or associate of IAT. A<FONT STYLE="text-underline-style: none">ll</FONT>
of the Concerned Shareholder Nominees qualify as independent of MFC under applicable Canadian and U.S. securities laws and applicable
exchange rules.</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0in"><B>Biographical Information</B></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">Further biographical
information with respect to these nominees, as well as details concerning the strengths and experience they will bring to MFC&#8217;s
board, is set forth below:</P>


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<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 9pt Book Antiqua, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: bottom; background-color: #D9D9D9">
    <TD STYLE="width: 20%; border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; text-justify: inter-ideograph"><FONT STYLE="font-size: 9pt; color: black"><B>NAME, PROVINCE OR STATE AND COUNTRY OF RESIDENCE OF NOMINEE<SUP>(1)</SUP></B></FONT></TD>
    <TD STYLE="width: 28%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; text-justify: inter-ideograph"><FONT STYLE="font-size: 9pt; color: black"><B>PRESENT PRINCIPAL OCCUPATION AND OCCUPATION(S) FOR THE PAST FIVE YEARS</B></FONT></TD>
    <TD STYLE="width: 17%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; text-justify: inter-ideograph"><FONT STYLE="font-size: 9pt; color: black"><B>NUMBER OF SHARES BENEFICIALLY OWNED OR CONTROLLED<SUP>(2)</SUP></B></FONT></TD>
    <TD STYLE="width: 35%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; text-justify: inter-ideograph"><FONT STYLE="font-size: 9pt; color: black"><B>PUBLIC COMPANY BOARD AND COMMITTEE MEMBERSHIP(S) FOR THE PAST FIVE YEARS</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 0; text-align: left">Peter R. Kellogg</P>
        <P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 0; text-align: left">Short Hills, New Jersey, U.S.A.</P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 0; text-align: left">Chief Executive Officer, IAT Reinsurance Company Ltd.</P>
        <P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 0; text-align: left">(2000 to present)</P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: left; text-justify: inter-ideograph"><FONT STYLE="font-size: 9pt">20,662,400 Shares</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 0; text-align: justify">Namtai Electronics (since 2000)</P>
        <P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 0; text-align: justify">(Director and member of Compensation Committee
        and Nominating/Corporate Governance Committee)</P>
        <P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>
        <P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 0; text-align: justify">Ziegler Companies (since 2003)</P>
        <P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 0; text-align: justify">(Director)</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: left; text-justify: inter-ideograph"><FONT STYLE="font-size: 9pt; color: windowtext">J. Andrew Betts, Raleigh, North Carolina, U.S.A.</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 0; text-align: left">Consultant</P>
        <P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 0; text-align: left">(2010 to present)</P>
        <P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 0; text-align: left">&nbsp;</P>
        <P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 0; text-align: left">Audit Director, BDO USA LLP, Part-Time</P>
        <P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 0; text-align: left">(2010 to 2013)</P>
        <P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 0; text-align: left">&nbsp;</P>
        <P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 0; text-align: left">Audit Partner, Ernst &amp; Young LLP</P>
        <P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 0; text-align: left">(1984 to 2009)</P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: left; text-justify: inter-ideograph"><FONT STYLE="font-size: 9pt; color: windowtext">Nil</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-left: 0.5in; text-indent: -0.25in; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font-size: 9pt">-</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 0; text-align: left">David L. Grange</P>
        <P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 0; text-align: left">Wilmington, North Carolina, U.S.A.</P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 0; text-align: left">President, Osprey Global Solutions, LLC</P>
        <P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 0; text-align: left">(2011 to present)</P>
        <P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 0; text-align: left">&nbsp;</P>
        <P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 0; text-align: left">Chief Executive Officer, Pharmaceutical Product Development,
        Inc.</P>
        <P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 0; text-align: left">(2009-2011)</P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: left; text-justify: inter-ideograph"><FONT STYLE="font-size: 9pt; color: windowtext">Nil</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph"><FONT STYLE="font-size: 9pt">Pharmaceutical Product Development, Inc. (2003-2011) (Director)</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 0; text-align: left">Jeffrey A. Harris</P>
        <P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 0; text-align: left">New York,</P>
        <P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 0; text-align: left">New York, U.S.A.</P>
        <P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 0; text-align: left"><B>&nbsp;</B></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 0; text-align: left">Founder, Global Reserve Group, LLC</P>
        <P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 0; text-align: left">(2012 to present)</P>
        <P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 0; text-align: left">&nbsp;</P>
        <P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 0; text-align: left">Managing Director, Warburg Pincus, LLC</P>
        <P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 0; text-align: left">(1983 to 2011)</P>
        <P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 0; text-align: left">&nbsp;</P>
        <P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 0; text-align: left">&nbsp;</P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: left; text-justify: inter-ideograph"><FONT STYLE="font-size: 9pt; color: windowtext">Nil</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 0; text-align: justify">Electromagnetic Geoservices ASA (since 2003) (Director)</P>
        <P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>
        <P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 0; text-align: justify">Knoll, Inc. (since 1996) (Director and Member of
        Compensation Committee)</P>
        <P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>
        <P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 0; text-align: justify">Serica Energy (since 2013)</P>
        <P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 0; text-align: justify">(Director and Member of Audit Committee)</P>
        <P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>
        <P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 0; text-align: justify">Kosmos Energy (2007-2013)</P>
        <P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 0; text-align: justify">(Director and Member of Compensation Committee)</P>
        <P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>
        <P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 0; text-align: justify">Nuance Communications (2004-2009)</P>
        <P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 0; text-align: justify">(Director and Member of Compensation Committee)</P>
        <P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>
        <P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 0; text-align: justify">Bill Barrett Corp. (2002-2010)</P>
        <P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 0; text-align: justify">(Director and Member of Compensation Committee)</P></TD></TR>
</TABLE>

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<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Book Antiqua, Times, Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 20%; border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 0; text-align: left">William C. Horn III</P>
        <P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 0; text-align: left">Wellesley, Massachusetts, U.S.A.</P></TD>
    <TD STYLE="width: 28%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 0; text-align: left">President &amp; Chief Operating Officer, First Angel
        Capital, LLC</P>
        <P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 0; text-align: left">(2004 to present)</P>
        <P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 0; text-align: left">&nbsp;</P>
        <P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 0; text-align: left">Interim Chief Executive Officer and Chief Financial
        Officer, LMS Medical Systems, Inc.</P>
        <P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 0; text-align: left">(2008 to 2010)</P></TD>
    <TD STYLE="width: 17%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: left; text-justify: inter-ideograph; font-size: 9pt"><FONT STYLE="font-size: 9pt">618 Shares</FONT></TD>
    <TD STYLE="width: 35%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph; font-size: 9pt"><FONT STYLE="font-size: 9pt">LMS Medical Systems, Inc. (2008-2010) (Director, Interim Chief Executive Officer &amp; Chief Financial Officer)</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 0; text-align: left">Logan W. Kruger, Calgary, Alberta, Canada</P>
        <P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 0; text-align: left">&nbsp;</P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 0; text-align: left">President and Chief Executive Officer, SUN Gold Limited</P>
        <P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 0; text-align: left">(2012 to present)</P>
        <P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 0; text-align: left">&nbsp;</P>
        <P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 0; text-align: left">President &amp; Chief Executive Officer, Century Aluminum
        Co.</P>
        <P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 0; text-align: left">(2005 to 2011)</P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: left; text-justify: inter-ideograph; font-size: 9pt"><FONT STYLE="font-size: 9pt; color: windowtext">Nil</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 0; text-align: justify">Cleco Corporation (2008-Present) (Director, Member
        of Audit Committee and Member of Compensation Committee)</P>
        <P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>
        <P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 0; text-align: justify">Century Aluminum Co. (2005-2011) (Director)</P>
        <P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 0; text-align: justify">&nbsp;</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 0; text-align: left">Patrice E. Merrin, Toronto, Ontario, Canada</P>
        <P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 0; text-align: left">&nbsp;</P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 0; text-align: left">Director, Stillwater Mining Company (2013 to present)</P>
        <P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 0; text-align: left">&nbsp;</P>
        <P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 0; text-align: left">Interim President and Chief Executive Officer, CML
        Healthcare, Inc.</P>
        <P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 0; text-align: left">(2011-2012)</P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: left; text-justify: inter-ideograph; font-size: 9pt"><FONT STYLE="font-size: 9pt; color: windowtext">Nil</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 0; text-align: justify">Stillwater Mining Company (2013-present)</P>
        <P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 0; text-align: justify">(Chairman of Chief Executive Officer Search Committee,
        Chairman of Corporate Governance and Nominating Committee, Member of Compensation Committee)</P>
        <P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>
        <P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 0; text-align: justify">CML Healthcare, Inc. (2008-2013)</P>
        <P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 0; text-align: justify">(Chairman of the Board, Member of Nominating and
        Governance, Audit, Human Resources and Compensation and Special Committees)</P>
        <P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>
        <P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 0; text-align: justify">Enssolutions Group, Inc. (2009-2011)</P>
        <P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 0; text-align: justify">(Director, Member of Audit Committee and Compensation
        Committee)</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 0; text-align: left">Trevor S. Schultz,</P>
        <P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 0; text-align: left">Marsa Alam, Egypt</P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 0; text-align: left">Executive Director of Operations, Centamin Plc</P>
        <P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 0; text-align: left">(2008 to present)</P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: left; text-justify: inter-ideograph; font-size: 9pt"><FONT STYLE="font-size: 9pt; color: windowtext">Nil</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 0; text-align: justify">Centamin Plc (2008-present)</P>
        <P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 0; text-align: justify">(Executive Director of Operations)</P>
        <P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>
        <P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 0; text-align: justify">Base Resources Limited (2011-present)</P>
        <P STYLE="font: 9pt Book Antiqua, Times, Serif; margin: 0; text-align: justify">(Non-Executive Director and Member of Remuneration
        Committee)</P></TD></TR>
</TABLE>
<P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 6pt 0 3pt; text-align: justify"><B><U>Notes</U>:</B></P>

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<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">(1)</TD><TD STYLE="text-align: justify">None of the Concerned Shareholder Nominees has been or is currently a director of MFC, nor have
any of the nominees held any other position or office with MFC or any of its affiliates.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 8pt Book Antiqua, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">(2)</TD><TD STYLE="text-align: justify">With the exception of Mr. Kellogg, the information concerning the Shares beneficially owned, directly
or indirectly, or over which control or direction is exercised, not being within the knowledge of IAT, has been furnished by each
Concerned Shareholder Nominee.</TD></TR></TABLE>


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<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 6pt; text-align: justify; text-indent: 0in"><B><U>Peter R. Kellogg</U></B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Book Antiqua, Times, Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 24%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph; font-size: 10pt"><IMG SRC="image_009.jpg" ALT=""></TD>
    <TD STYLE="width: 2%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 74%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="color: black">Peter R. Kellogg, 71, is currently the Chief Executive Officer of IAT Reinsurance Company Ltd. Mr. Kellogg has been the Senior Managing Director of Spear, Leeds &amp; Kellogg, one of the largest market making and securities clearing firms in the U.S., until 2000, when it was acquired by Goldman Sachs. Mr. Kellogg has been the Senior Advisory Director of Goldman Sachs/Spear, Leeds &amp; Kellogg. Mr. Kellogg served as the Chairman of Ziegler Companies Inc. since 2003 and a director of Nam Tai Electronics since 2000. Mr. Kellogg also serves as a director of the Berkshire School and the U.S. Olympic Ski Team. Previously, Mr. Kellogg served on the board of Advest Group, MCM Corporation, Cityfed Financial Corp. and Interstate Air Taxi Inc, Interstate/Johnson Lane, Inc.</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 6pt; text-align: justify; text-indent: 0in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 6pt; text-align: justify; text-indent: 0in"><B><U>J. Andrew Betts</U></B></P>

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<TR STYLE="vertical-align: top">
    <TD STYLE="width: 24%; padding-right: 5.4pt; padding-left: 5.4pt">
        <IMG SRC="image_010.jpg" ALT=""><P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 1.15pt 0 0; text-align: left"></P>
        <P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0; text-align: justify">&nbsp;</P></TD>
    <TD STYLE="width: 2%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 74%; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph; font-size: 10pt">J. Andrew Betts, 62, is currently a private consultant advising public and private entities on accounting and auditing issues, special investigations for management and audit committees, expert witnesses, regulatory and tax matters, financial analysis and investor relations. Mr. Betts was a former audit partner in Ernst &amp; Young LLP, where he served clients in many industries with a special focus on manufacturing, financial services and insurance. Mr. Betts currently serves as a director of Mardil Inc., a start-up medical device company and a director of Athene Annuity &amp; Life Assurance Company, a life and annuity insurance provider. With thirty nine years of experience in the financial services industry, Mr. Betts is an expert on board and audit committee communications, business development and strategic planning. Mr. Betts graduated from the Executive Program at the Kellogg Graduate School at Northwestern University.</TD></TR>
</TABLE>
<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 6pt; text-align: justify; text-indent: 0in"><FONT STYLE="background-color: yellow"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 6pt; text-align: justify; text-indent: 0in"><B><U>David L. Grange</U></B></P>

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    <TD STYLE="width: 24%; padding-right: 5.4pt; padding-left: 5.4pt">
        <IMG SRC="image_011.jpg" ALT=""><P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 1.15pt 0 0 5.55pt; text-align: left"></P>
        <P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0; text-align: justify">&nbsp;</P></TD>
    <TD STYLE="width: 2%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 74%; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph; font-size: 10pt">David L. Grange, 65, is currently the President of Osprey Global Solutions, LLC, a Service Disabled Veterans Organization, which provides consulting, construction, medical and security services. Previously, Mr. Grange served as the Chief Executive Officer of Pharmaceutical Product Development, Inc., a clinical research organization, for two years. Prior to that, Mr. Grange served in the McCormick Foundation for 10 years, most recently as President and Chief Executive Officer and earlier as Executive Vice President and Chief Operating Officer. The foundation is one of the largest philanthropic organizations in the United States that works to advance the ideals of a free and democratic society. Mr. Grange served 30 years in the U.S. Army with his final position as the Commanding General of the First Infantry Division.&nbsp;&nbsp;During his term in the Pentagon, Mr. Grange was the Director of Army Current Operations, Readiness and Mobilization.&nbsp;&nbsp;Following 9-11, Mr. Grange was a national security consultant for CNN, CBS and WGN. Mr. Grange regularly speaks and writes for a variety of public companies and government institutions on leadership, organizational effectiveness, disaster preparedness, citizenship, Veterans issues and foreign relations. Mr. Grange holds a bachelor&#8217;s degree from North Georgia College and a master&#8217;s in public service from Western Kentucky University. </TD></TR>
</TABLE>

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<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 6pt; text-align: justify; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 6pt; text-align: justify; text-indent: 0in"><B><U>Jeffrey A. Harris</U></B></P>

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    <TD STYLE="width: 24%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph; font-size: 10pt"><IMG SRC="image_012.jpg" ALT=""></TD>
    <TD STYLE="width: 2%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 74%; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0; text-align: justify; text-indent: 0in">Jeffrey A. Harris, 57, is the
        founder of Global Reserve Group, LLC, an advisory and investment firm. Mr. Harris has extensive experiences advising companies
        in the technology, telecommunications and energy industries. Previously, he was a Managing Director of Warburg Pincus LLC, where
        he spent 29 years and focused primarily on investments in the energy, industrial, consumer, and technology sectors. Mr. Harris
        is currently serving as a director of Electromagnetic Geoservices ASA, Knoll, Inc. Serica Energy plc, and several private companies
        involved in the oil and gas business. Mr. Harris is an adjunct professor at the Columbia University Graduate School of Business
        where he teaches courses on venture capital, innovation and entrepreneurship. Mr. Harris received a B.S. in Economics from The
        Wharton School at the University of Pennsylvania and an M.B.A. from Harvard Business School.</P>
        <P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0; text-align: justify; text-indent: 0in">&nbsp;</P></TD></TR>
</TABLE>
<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 6pt; text-align: justify; text-indent: 0in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 6pt; text-align: justify; text-indent: 0in"><B><U>William C. Horn
III</U></B></P>

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    <TD STYLE="width: 24%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph; font-size: 10pt"><IMG SRC="image_013.jpg" ALT=""></TD>
    <TD STYLE="width: 2%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 74%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph; font-size: 10pt; text-indent: 0in"><FONT STYLE="color: black">William C. Horn, 49, is a senior executive with over 25 years of diverse experience in investment management, trading, risk management, operations and finance. Mr. Horn possesses a comprehensive understanding of financial markets, trading, capital structure, financial analysis, risk management, compliance, operations, and accounting. He is the President and Chief Operating Officer of First Angel Capital (since 2004), a boutique investment firm focusing on long/short and macro trading strategies, research, alternative investments, private equity, lending and consulting to institutions for M&amp;A and strategic financial workout and turnaround. Mr. Horn served as a Director of LMS Medical Systems, Inc. from 2008 to 2010, while also acting as interim Chief Executive Officer and Chief Financial Officer. Prior to First Angel Capital, Mr. Horn was employed by State Street Corporation as Vice-President of Risk Management and Compliance, overseeing risk management and compliance for institutional equity trading and e-finance for State Street Global Markets, State Street&#8217;s institutional trading division. Mr. Horn formerly worked for Fidelity Investments in a number of capacities including Vice-President of Global Risk Management, Senior Counter-Party Credit Analyst, and Mortgage-Backed Security Trader. Mr. Horn graduated from St. Lawrence University with a degree in Economics.</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 6pt; text-align: justify; text-indent: 0in"><B>&nbsp;</B></P>


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<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 6pt; text-align: justify; text-indent: 0in"><B><U>Logan W. Kruger</U></B></P>

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    <TD STYLE="width: 2%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 74%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="color: black">Logan W. Kruger, 63, &nbsp;is currently the President and Chief Executive Officer of SUN Gold Limited, a privately-held company that is engaged in the discovery, development and conversion of natural resources outside of the United States. Mr. Kruger has over 30 years of international experience in mining operations, mine development, project execution and executive leadership. Previously, Mr. Kruger served as the President, Chief Executive Officer and a director of Century Aluminum Co., a publicly held company owning primary aluminum capacity in the United States and Iceland, from 2005 until 2011. Prior to that time, Mr. Kruger was employed by Vale Inco., a publicly held company engaged in the mining, processing and marketing of nickel and nickel-related products, where he served as Executive Vice President of technical services from 2003 until 2005 and as President of Inco Asia Pacific from September 2005 until November 2005. Among Mr. Kruger&#8217;s industry, professional and civic experiences are memberships on the boards of the Manitoba Mining Association, the Business Council of Manitoba, the Mining Association of Canada, Balmoral Hall School in Winnipeg, AMCOAL/South Africa, and P.T. Inco on the Jakarta Stock Exchange. Mr. Kruger currently serves as a director of Cleco Corporation. Mr. Kruger has a Bachelor of Science degree in Mining Engineering from the University of Witwatersrand, South Africa. </FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 6pt; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 6pt; text-align: justify; text-indent: 0in"><B><U>Patrice E. Merrin</U></B></P>

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    <TD STYLE="width: 24%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph; font-size: 10pt"><IMG SRC="image_015.jpg" ALT=""></TD>
    <TD STYLE="width: 2%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 74%; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="color: black">Patrice E. Merrin, 65, was recently elected to the board of Stillwater Mining Company. Previously, she served as the Chairman of the Board of CML HealthCare Inc., a leading provider of private laboratory testing services. She also served as Interim President and Chief Executive Officer of CML HealthCare from 2011 to 2012. Since January 2012, Ms. Merrin has served as a Director of Ornge, Ontario&#8217;s air ambulance service. From 2009 to 2011, Ms. Merrin served as a Director of Enssolutions Group Inc., which provides engineered environmental applications for mine tailings control, process dust and stockpile sealing. She also served as a Director of the NB Power Group, a company that generates and distributes electricity from nuclear, hydro, wind and oil, from 2007 to 2009 and as Chairman of the Environment, Health and Safety Committee from 2008 to 2009. From 2005 to 2006, Ms. Merrin served as President, Chief Executive Officer and a Director of Luscar Ltd., Canada&#8217;s largest producer of thermal coal, and as Executive Vice President from 2004 to 2005. Before joining Luscar, from 1999 to 2004, Ms. Merrin was the Executive Vice President and Chief Operating Officer of Sherritt International Corporation, a diversified international natural resources company with assets in base metals mining and refining, thermal coal, oil, gas and power generation. In addition, Ms. Merrin was a member of the National Advisory Panel on Sustainable Energy Science &amp; Technology from 2005 to 2006, and from 2003 to 2006 was a member of Canada&#8217;s National Round Table on the Environment and the Economy. Ms. Merrin holds a Bachelor of Arts degree from Queen&#8217;s University and completed the Advanced Management Programme at INSEAD. </FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 6pt; text-align: justify; text-indent: 0in"><FONT STYLE="background-color: yellow"><B>&nbsp;</B></FONT></P>


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<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 6pt; text-align: justify; text-indent: 0in"><B><U>Trevor S. Schultz</U></B></P>

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    <TD STYLE="width: 24%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph; font-size: 10pt"><IMG SRC="image_016.jpg" ALT=""></TD>
    <TD STYLE="width: 2%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 74%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph; font-size: 10pt; text-indent: 0in"><FONT STYLE="color: black">Trevor S. Schultz, 71, is currently the Executive Director of Operations at Centamin Egypt Plc. Mr. Schultz was most recently the President and Chief Executive Officer of Guinor Gold Corporation. Mr. Schultz also served as the President of African Operations of Guinor Gold Corp. Mr. Schultz has over 40 years' of experiences at the executive management and board level with leading international mining companies, including BHP, RTZ/CRA, Pegasus Gold and Ashanti Goldfields. His roles have included the development of several new mining operations in Africa, South America and the U.S.A., negotiations with various governments and their agencies and project financing and capital raisings. Previously, Mr. Schultz served as the director of Pacific Road Capital Management, Guinor Gold Corporation, Southern Era Pty Ltd and Ashanti Goldfields Pty Ltd. Mr. Schultz has a Master&#8217;s Degree in Economics from Cambridge University, a Master of Science Degree in Mining from the Witwatersrand University and he completed the Advanced Management Programme at Harvard University.</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 12pt 0; text-align: justify; text-indent: 0.5in">Each of the eight Concerned
Shareholder Nominees has consented to being named as a nominee and serving as a director of MFC, if elected, and meets the director
eligibility requirements established under the <I>British Columbia Business Corporations Act</I>. MFC&#8217;s articles currently
provide for three classes of directors with staggered terms. Each director holds office until the expiry of his or her term or
until his or her successor is elected or appointed, unless his or her office is earlier vacated in accordance with the articles
or with the provisions of the <I>British Columbia Business Corporations Act</I>. Until such time that MFC&#8217;s staggered board
structure is repealed (which will be a corporate governance priority if the Concerned Shareholder Nominees are elected):</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Book Antiqua, Times, Serif; margin-top: 12pt; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 20.25pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">at each annual meeting of MFC, a class of directors is elected to hold office for a three-year
term;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Book Antiqua, Times, Serif; margin-top: 12pt; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 20.25pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">successors to the class of directors whose term expires are identified as being of the same class
as the directors they succeed and are elected to hold office for a term expiring at the third succeeding annual meeting of the
Shareholders;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Book Antiqua, Times, Serif; margin-top: 12pt; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 20.25pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">a director appointed or elected to fill a vacancy on the board holds office for the unexpired term
of his or her predecessor; and</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Book Antiqua, Times, Serif; margin-top: 12pt; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 20.25pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">when the number of MFC directors has changed, any newly created directorship will be apportioned
among the classes (by the directors) as to make all classes as equal in number as possible.</TD></TR></TABLE>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 12pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: black">It
is not contemplated that any of the Concerned Shareholder Nominees will be unable to serve as a director. However, if that should
occur for any reason prior to the Meeting, the individuals named in the enclosed </FONT><FONT STYLE="color: #1F497D"><B><U>BLUE</U></B></FONT><FONT STYLE="color: black">
form of proxy can vote for another nominee at their discretion.</FONT></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0in"><B>False Assertions by
MFC concerning the Concerned Shareholder Nominees</B></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">In its Management Circular,
MFC&#8217;s board attempts to impugn the credibility of the Concerned Shareholder Nominees by claiming they &#8220;have little
or no relevant operational expertise or experience running a commodities business&#8230;.[and]&#8230; for the most part, lack the
international experience necessary to successfully run MFC's operations, including in MFC's key markets of Europe, Latin America
and Asia&#8221;. As one can clearly see from their biographies, MFC&#8217;s assertions are incorrect. Our nominees are highly experienced
business persons from a wide variety of professional backgrounds and all are well equipped to handle their role as MFC directors.
For example, Mr. Kruger and Mr. Schultz unquestionably</P>


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<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">have relevant operational and international
expertise in the mining sector, while Mr. Betts has significant experience representing public company clients in a range of industries
as an audit partner at Ernst &amp; Young for twenty-five years. Ms. Merrin was previously the executive vice-president and chief
operating officer of Sherritt International, a diversified international resources company with assets in base metals mining and
refining. David Grange is extremely experienced internationally. In addition to his highly distinguished military career, Mr. Grange
was the chief executive officer of a public company with over 10,000 employees in 46 countries on virtually every continent. Mr.
Kellogg, Mr. Harris and Mr. Horn are all highly sophisticated individuals with impressive investment and finance backgrounds, which
will lend themselves well to understanding MFC&#8217;s merchant banking and other operations.</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">We caution Shareholders
to not buy into MFC&#8217;s scare tactics and to carefully weigh the credentials of our nominees against MFC&#8217;s board nominees.
We believe that Shareholders should be highly skeptical of statements that the current board is &#8220;committed to high standards
of corporate governance&#8221; as claimed by MFC in its Management Circular.</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">As evidenced by the
following Director Expertise Comparison, the relevant skills and expertise of the Concerned Shareholder Nominees compare very favorably
to those of MFC&#8217;s current directors.</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: left">&nbsp;<IMG SRC="image_019.jpg" ALT=""></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 6pt; text-align: left; text-indent: 0in"><B>Additional Information
on the Concerned Shareholder Nominees</B></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">Except as described
below, none of the Concerned Shareholder Nominees is, or has been, within 10 years before the date of this Circular, a director
or executive officer of any company (including MFC) that, while acting in that capacity:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Book Antiqua, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(a)</TD><TD STYLE="text-align: justify">was the subject of a cease trade or similar order or an order that denied the relevant company
access to any exemption under securities legislation, in each case, that was in effect for a period of more than thirty (30) consecutive
days (an &#8220;<B>Order</B>&#8221;);</TD></TR></TABLE>


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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Book Antiqua, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(b)</TD><TD STYLE="text-align: justify">was subject to an Order that was issued after the proposed director ceased to be a director or
executive officer and which resulted from an event that occurred while that person was acting in the capacity as director or executive
officer; or</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Book Antiqua, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(c)</TD><TD STYLE="text-align: justify">or within a year of ceasing to act in the capacity of a director or executive officer, became bankrupt,
made a proposal under any legislation relating to bankruptcy or insolvency or was subject to or instituted any proceedings, arrangement
or compromise with creditors or had a receiver, receiver manager or trustee appointed to hold its assets.</TD></TR></TABLE>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">Except as described
below, none of the Concerned Shareholder Nominees is, as of the date of this Circular, or has been within 10 years before the date
of this Circular, bankrupt, made a proposal under any legislation relating to bankruptcy or insolvency, or become subject to or
instituted any proceedings, arrangement or compromise with creditors, or had a receiver, receiver manager or trustee appointed
to hold the assets of the proposed director.</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">In June 2005, Proxim
Corporation (&#8220;<B>Proxim</B>&#8221;) filed for Chapter 11 bankruptcy and subsequently sold substantially all of its assets
to Terabeam Wireless pursuant a sale order issued by the U.S. Bankruptcy Court for District of Delaware. Mr. Harris served as a
director and a member of the compensation committee of Proxim at the time of its bankruptcy filing and sale of assets.</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">In late 2009, LMS Medical
Systems, Inc. (&#8220;<B>LMS</B>&#8221;) was issued cease trade orders by the Alberta, British Columbia and Ontario securities
commissions and the Autorit&eacute; des march&eacute;s financiers in Qu&eacute;bec as a result of LMS&#8217; failure to file its
annual filings for the year ended March 31, 2009. During this time period, LMS and its subsidiary, LMS Medical Systems (Canada)
Ltd., were in the process of entering a proposal under the Bankruptcy and Insolvency Act (Canada), through which (in July 2009)
they sold substantially all of their assets and satisfied their creditor obligations 100 percent. Mr. Horn became a director of
LMS in 2008 and was subsequently appointed as interim Chief Executive Officer and Chief Financial Officer to successfully guide
LMS through the bankruptcy process.</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: black">Except
as disclosed below, none of the Concerned Shareholder Nominees is to be elected under any arrangement or understanding between
such nominee and any other person or company, except as described </FONT>herein.</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">IAT has entered into
a customary indemnification agreement with each Concerned Shareholder Nominee with respect to the nomination of such individual
as a director of MFC at the Meeting. The indemnification agreements provide that IAT will, subject to certain exceptions, indemnify
and save each Concerned Shareholder Nominee harmless from all losses, liabilities, claims, damages, costs, charges or expenses
which such nominee reasonably incurs in respect of any civil, criminal, administrative, investigative or other proceeding which
such Concerned Shareholder Nominee is involved in or made a party to or arises because such nominee has agreed to be nominated
by IAT as a director of MFC at the Meeting.</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">Each of the Concerned
Shareholder Nominees has entered into a non-disclosure agreement with IAT, pursuant to which each Concerned Shareholder Nominee
agreed, among other things, that he or she would not, until the earlier of the end of the next meeting of shareholders of the Corporation
and the date that either the Concerned Shareholder Nominee or IAT confirms to the other in writing that it does not wish to proceed
with any further discussions regarding the Concerned Shareholder Nominee&#8217;s nomination to serve on the board of directors
of MFC, in any manner acquire, agree to acquire or make any proposal to acquire, directly or indirectly, by means of purchase,
merger, business combination or in any other manner, beneficial ownership, control or direction (including, without limitation,
economic interests by way of derivatives) of any voting securities of MFC or any of its subsidiaries, or of all or any material
assets of MFC or any of its subsidiaries.</P>


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<P STYLE="font: bold 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-transform: uppercase; text-align: center">OTHER MATTERS
TO BE ACTED UPON</P>

<P STYLE="font: bold 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: left">Appointment of Auditor</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">Based on the Management
Circular, we propose that the firm, PricewaterhouseCoopers LLP, Chartered Accountants, be re-appointed as MFC&#8217;s auditor until
the close of the next annual meeting of Shareholders and that the board be authorized to set the remuneration of such auditor.</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: black">We
recommend that Shareholders vote, and, unless otherwise instructed, the representatives named in the enclosed </FONT><FONT STYLE="color: #1F497D"><B><U>BLUE</U></B></FONT><FONT STYLE="color: black">
proxy intend to cast the votes represented by such </FONT><FONT STYLE="color: #1F497D"><B><U>BLUE</U></B></FONT><FONT STYLE="color: black">
proxy, <B><U>FOR</U></B> the reappointment of PricewaterhouseCoopers LLP as the auditor of MFC to hold office until the next annual
general meeting of Shareholders and to authorize the board to fix its remuneration.</FONT></P>

<P STYLE="font: bold 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: left">Approval of Advance Notice Policy</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">On November 18, 2013,
MFC&#8217;s board of directors adopted an advance notice policy (the &#8220;<B>Advance Notice Policy</B>&#8221;) with immediate
effect. IAT submitted its notice in accordance with the Advance Notice Policy on November 25, 2013 indicating, among other things,
its intention to put the eight Concerned Shareholder Nominees forward as director nominees for election to MFC&#8217;s board.</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">Advance notice by-laws
or policies are now generally accepted in Canada and we support them conceptually. A properly designed and implemented advance
notice by-law or policy ensures that shareholders are provided with sufficient disclosure and time to make appropriate decisions
on the election of board representatives. This is also what we have done in this Circular. What we take issue with is the underhanded
manner in which MFC implemented its Advance Notice Policy, which gave IAT a mere five business days to propose its director nominees
and which was specifically designed and implemented to advantage MFC&#8217;s current management.</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">A copy of the Advance
Policy can be found on MFC&#8217;s SEDAR profile. In order for the Advance Notice Policy to remain in effect following termination
of the Meeting, the Advance Notice Policy must be ratified, confirmed and approved by the Shareholders of the Company at the Meeting
by ordinary resolution.</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: black">While
we criticize MFC&#8217;s board for the manner in which they adopted the Advance Notice Policy, we complied with it, and do recommend
that Shareholders vote<B> <U>FOR</U></B> the approval of the Advance Notice Policy. Further, unless otherwise instructed, the representatives
named in the enclosed </FONT><FONT STYLE="color: #1F497D"><B><U>BLUE</U></B></FONT><FONT STYLE="color: black"> proxy intend to
cast the votes represented by such </FONT><FONT STYLE="color: #1F497D"><B><U>BLUE</U></B></FONT><FONT STYLE="color: black"> proxy<B>
<U>FOR</U></B> the approval of the Advance Notice Policy.</FONT></P>

<P STYLE="font: bold 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-transform: uppercase; text-align: center">GENERAL
PROXY INFORMATION</P>

<P STYLE="font: bold 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: left">Appointment of Proxies</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: black">The
persons named as proxyholders in the accompanying </FONT><FONT STYLE="color: #1F497D"><B><U>BLUE</U></B></FONT><FONT STYLE="color: black">
form of proxy are</FONT> Donald G. Belovich, Partner at Stikeman Elliott LLP, counsel to IAT, or failing him, Penny Rice, Managing
Director at Shorecrest Group, advisors to IAT, each with full power of substitution.</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-weight: normal">A
registered Shareholder has the right to appoint a person or corporation (who need not be a Shareholder) other than the persons
designated in any form of proxy provided to the Shareholder, to represent the Shareholder at the Meeting. You may exercise this
right by striking out the printed names in the applicable form of proxy and inserting the name of the person and, if desired, an
alternate to such person, you wish to appoint as your representative in the blank space provided in such form of proxy.</FONT>
If you beneficially own your Shares but are not the registered holder, see &#8220;General Proxy Information &#8211;</P>


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<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify"><FONT STYLE="color: black">Non-Registered
(Beneficial) Holders of Shares&#8221; below for important information. To be valid, your proxy must be received in sufficient time
for it to be deposited with MFC&#8217;s proxy tabulator prior to the proxy voting deadline of 4:00 p.m. (Hong Kong time) on Tuesday,
December 24, 2013. <B>Importantly, however, in order to be deposited with MFC&#8217;s proxy tabulator we urge you to vote the </B></FONT><B><FONT STYLE="color: #1F497D"><U>BLUE</U></FONT><FONT STYLE="color: black">
form of proxy so that it is received by Okapi prior to 5:00 p.m. (New York time) on Sunday, December 22, 2013.</FONT></B></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">A properly completed
form of proxy will automatically revoke an earlier dated form of proxy deposited by you in respect of the Meeting. If you are a
registered holder of Shares you may also revoke any proxy you have already given to management or any other form of proxy previously
given by you by attending the Meeting and indicating your wish to vote in person.</P>

<P STYLE="font: bold 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: left">Corporate Shareholders</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">Any Shareholder that
is a corporation may, by resolution of its directors or other governing body, authorize such person as it thinks fit to exercise
in respect of, and at the Meeting, the same powers on behalf of the corporation as that corporation could exercise if it were an
individual shareholder personally present, including the right (unless restricted by such resolution) to appoint a proxyholder
to represent such corporation.</P>

<P STYLE="font: bold 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: left">Revocation of Proxies by Registered Shareholders</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">If you are the registered
holder of your Shares, you may revoke a proxy previously given at any time before it has been exercised. You may revoke your previously
given proxy by:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Book Antiqua, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="color: black">(a)</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="color: black">by completing and signing a valid proxy bearing a later date and returning
it in accordance with the instructions contained in the accompanying </FONT><FONT STYLE="color: #1F497D"><B><U>BLUE</U></B></FONT><FONT STYLE="color: black">
form of proxy, or as otherwise provided in this Circular;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Book Antiqua, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(b)</TD><TD STYLE="text-align: justify">by depositing an instrument in writing executed by you or by your attorney authorized in writing,
as the case may be: (i) at the same address where the original form of proxy was delivered at any time up to and including the
last business day preceding the day the Meeting or any adjournments or postponements thereof, or (ii) with the Chairman of the
Meeting on the date of, but prior to the commencement of, the Meeting or any adjournments or postponements of the Meeting;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Book Antiqua, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(c)</TD><TD STYLE="text-align: justify">by attending the Meeting in person (or if the Shareholder is a corporation, by a duly authorized
representative of the corporation attending the Meeting) and registering with the scrutineer as a registered Shareholder present
in person; or</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Book Antiqua, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(d)</TD><TD STYLE="text-align: justify">in any other manner permitted by law.</TD></TR></TABLE>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: black">Only
registered Shareholders have the right to revoke a form of proxy in the manner described above. Non-Registered Holders who wish
to change their vote must arrange for their respective Intermediaries to revoke the form of proxy on their behalf prior to the
proxy voting deadline of 4:00 p.m. (Hong Kong Time) on Tuesday, December 24, 2013. <B>Importantly, however, in order to be deposited
with MFC&#8217;s proxy tabulator we urge you to vote the </B></FONT><B><FONT STYLE="color: #1F497D"><U>BLUE</U></FONT><FONT STYLE="color: black">
form of proxy so that it is received by Okapi prior to 5:00 p.m. (New York time) on Sunday, December 22, 2013. </FONT></B><FONT STYLE="color: black">
Non-Registered shareholders may do this by contacting their intermediary or by voting a later dated </FONT><FONT STYLE="color: #1F497D"><B><U>BLUE</U></B></FONT><FONT STYLE="color: black">
voting instruction form. A properly completed voting instruction form will automatically cause your Intermediary to revoke an earlier
proxy deposited by your Intermediary in respect of the Meeting.</FONT></P>


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<P STYLE="font: bold 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: left">Voting of Shares Represented by Proxy</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: black">The
IAT representatives designated in the </FONT><FONT STYLE="color: #1F497D"><B><U>BLUE</U></B></FONT><FONT STYLE="color: black">
form of proxy to be deposited by you as provided in this Circular will vote your Shares represented by that proxy in accordance
with your instructions on any ballot that may be called at the Meeting.</FONT></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: black">If
you specify a choice with respect to voting in the </FONT><FONT STYLE="color: #1F497D"><B><U>BLUE</U></B></FONT><FONT STYLE="color: black">
form of proxy deposited by you as provided in this Circular, your Shares will be voted accordingly. <FONT STYLE="font-weight: normal">If
you do not specify a choice in such proxy or in an otherwise valid proxy, your Shares to which the proxy pertains will be voted
as follows: </FONT></FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Book Antiqua, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: left"><B><U>FOR</U></B> fixing the number of directors of MFC at eleven;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Book Antiqua, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-weight: normal; text-underline-style: none">&middot;</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="color: black"><B><U>FOR</U></B> the election of the eight Concerned Shareholder Nominees<FONT STYLE="font-weight: normal; text-underline-style: none">;
</FONT></FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Book Antiqua, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify"><B><U>WITHHOLD</U></B> votes from the MFC Management Nominees;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Book Antiqua, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-weight: normal">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="color: black"><B><U>FOR</U></B> the reappointment of the auditor of MFC and to authorize
the board to fix its remuneration<FONT STYLE="font-weight: normal">; and</FONT></FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Book Antiqua, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-weight: normal">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="color: black"><B><U>FOR</U></B> the approval of the Advance Notice Policy.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">In the event it is
determined that the recent changes to the articles by MFC&#8217;s current board described above are legally permissible (which
IAT strongly disputes), IAT is recommending that Peter Kellogg and J. Andrew Betts replace the two MFC Management Nominees as Class
II directors and all other Concerned Shareholder Nominees will be withdrawn as director nominees. Under those circumstances, if
IAT is successful, MFC&#8217;s board would be comprised of six directors: Indrajit Chatterjee and Silke S. Stenger (Class I directors),
Mr. Kellogg and Mr. Betts (Class II directors) and Michael Smith and Ian Rigg (Class III directors).</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">We will make every
reasonable effort to work with MFC to ensure that a mutually acceptable protocol for the conduct of the Meeting is put in place
that will safeguard the rights and interests of the Shareholders, and ensure that the Meeting is conducted properly and efficiently.
Any such protocol must ensure that the results of the Meeting can and will be tabulated fairly and accurately, and reported to
Shareholders without undue delay at the Meeting. We also intend to apply to court in advance of the Meeting for the appointment
of an independent Chair for the Meeting.</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-weight: normal; color: black">The
accompanying </FONT><FONT STYLE="color: #1F497D"><B><U>BLUE</U></B></FONT><FONT STYLE="font-weight: normal; color: black"> form
of proxy confers discretionary authority upon the persons named therein to vote in the judgment of those persons in respect of
amendments or variations, if any, to matters identified in MFC&#8217;s formal notice of meeting dated November 29, 2013 accompanying
the Management Circular and other matters, if any, which may properly come before the Meeting.</FONT><FONT STYLE="color: black">
As of the date of this Circular, we know of no other matters to come before the Meeting other than as set forth herein and in the
Management Circular. Should any other matters properly come before the Meeting, Shares represented by the relevant proxies will
be voted on those matters in accordance with the judgment of our representatives designated in the </FONT><FONT STYLE="color: #1F497D"><B><U>BLUE</U></B></FONT><B><FONT STYLE="color: black">
</FONT></B><FONT STYLE="color: black">form of proxy.</FONT></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">In the case of abstentions
from, or withholding of, the voting of the Shares on any matter, the Shares that are the subject of the abstention or withholding
will be counted for the determination of a quorum, but will not be counted as affirmative or negative on the matters to be voted
upon.</P>

<P STYLE="font: bold 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: left">Registered Shareholders</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: black">A
registered Shareholder (i.e. a Shareholder who holds a physical share certificate and whose name appears on such share certificate(s))
will receive, or will have already received, a </FONT><FONT STYLE="color: #1F497D"><B><U>BLUE</U></B></FONT><FONT STYLE="color: black">
form of proxy. This
</FONT><FONT STYLE="color: #1F497D"><B><U>BLUE</U></B></FONT><FONT STYLE="color: black"> form of proxy entitles you to vote by
fax or mail<B> </B>in accordance with the following instructions. </FONT></P>


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<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Book Antiqua, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; color: black">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="color: black"><B><I>To vote by Fax</I>: </B>Properly complete, sign and date your<B>
</B></FONT><B><FONT STYLE="color: #1F497D"><U>BLUE</U></FONT><FONT STYLE="color: black"> proxy </FONT></B><FONT STYLE="color: black">and
return it by facsimile to 212-297-1710.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Book Antiqua, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; color: black">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="color: black"><B><I>To vote by E-Mail</I></B>: Properly complete, sign and date your
</FONT><FONT STYLE="color: #1F497D"><B><U>BLUE</U></B></FONT><FONT STYLE="color: black"> proxy and return a scanned copy to mfcinfo@okapipartners.com.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Book Antiqua, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="color: black"><B><I>To vote by Mail</I></B></FONT><B>: </B>Properly complete, sign
and date the <FONT STYLE="color: #1F497D"><B><U>BLUE</U></B></FONT> proxy and return it in the postage prepaid envelope <FONT STYLE="color: black">to:
Okapi Partners, 437 Madison Avenue, 28th Floor, New York, N.Y., 10022</FONT>.</TD></TR></TABLE>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: black">If
you support IAT and the Concerned Shareholder Nominees and want to vote your proxy in accordance with IAT&#8217;s recommendations
as set out in this Circular, you should complete, sign and date your </FONT><FONT STYLE="color: #1F497D"><B><U>BLUE</U></B></FONT><FONT STYLE="color: black">
proxy and submit it using one of the methods described above, in accordance with the instructions on the form of proxy accompanying
this Circular. Full instructions for how to vote and a mocked up sample form of proxy can also be found at www.timeforchangeatMFC.com<B>.</B></FONT></P>

<P STYLE="font: bold 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: left">Non-Registered (Beneficial) Holders of
Shares</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-weight: normal">If
you are a non-registered Shareholder (a &#8220;</FONT><FONT STYLE="color: black"><B>Non-Registered Holder&#8221;)</B></FONT><FONT STYLE="font-weight: normal">,
you have the right to attend and vote your Shares directly at the Meeting, but you must make arrangements with your Intermediary
to provide a proxy appointment, legal proxy or other acceptable form of proxy appointment to MFC&#8217;s proxy tabulator prior
to the proxy deposit deadline of </FONT><FONT STYLE="color: black">4:00 p.m. (Hong Kong time) on Tuesday, December 24, 2013</FONT><FONT STYLE="font-weight: normal">.</FONT>
If you wish to attend and vote your Shares at the Meeting (or have a person other than those named in the <FONT STYLE="color: #1F497D"><B><U>BLUE</U></B><FONT STYLE="font-weight: normal; text-underline-style: none">
</FONT></FONT>form of proxy or VIF attend and vote on your behalf), you should carefully follow the voting instructions provided
by your Intermediary.&nbsp; You will need to instruct your Intermediary that you or your representative wish to attend the meeting
in sufficient time, for your proxy appointment or legal proxy to be deposited with MFC&#8217;s proxy tabulator prior to the proxy
deposit deadline of <FONT STYLE="color: black">4:00 p.m. (Hong Kong time) on Tuesday, December 24, 2013</FONT>. <FONT STYLE="color: black"><B>Importantly,
however, in order to be deposited with MFC&#8217;s proxy tabulator, we urge you to vote the </B></FONT><B><FONT STYLE="color: #1F497D"><U>BLUE</U></FONT></B><FONT STYLE="color: #1F497D"><U><FONT STYLE="font-weight: normal">
</FONT></U></FONT><FONT STYLE="color: black"><B>form of proxy so that it is received by Okapi prior to 5:00 p.m. (New York time)
on Sunday, December 22, 2013</B><U>.</U></FONT> &nbsp;To ensure that the proper procedure was followed, please contact your Intermediary
or Okapi at 1-855-208-8902 toll-free in North America, or 1-212-297-0720 outside of North America (collect calls accepted).</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: black">IAT
has distributed copies of this Circular and a </FONT><FONT STYLE="color: #1F497D"><B><U>BLUE</U></B></FONT><FONT STYLE="color: black">
form of proxy and </FONT><FONT STYLE="color: #1F497D"><B><U>BLUE</U></B></FONT><FONT STYLE="color: black"> voting instruction form
(&#8220;<B>VIF</B>&#8221;) to the Intermediaries or their designates for onward distribution to Non-Registered Holders in connection
with the Meeting. Intermediaries are required to forward copies of this Circular and any form of proxy or VIF provided to them
to Non-Registered Holders. If you are a Non-Registered Holder, please sign and return the </FONT><FONT STYLE="color: #1F497D"><B><U>BLUE</U></B></FONT><FONT STYLE="color: black">
form of proxy or VIF in accordance with the directions provided by your Intermediary and set out in such form.</FONT></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">The majority of
brokers and nominees now delegate responsibility for obtaining instructions from clients to Broadridge. Broadridge typically
mails VIFs to the Non-Registered Holders and asks Non-Registered Holders to return the forms to Broadridge or by using the
proxy control number to vote electronically via the <I>internet</I> or by <I>fax</I>. Broadridge then tabulates the results
of all instructions received and provides appropriate instructions respecting the voting of Shares to be represented at the
Meeting. A Non-Registered Holder receiving a VIF from Broadridge cannot use that form to vote Shares directly at the Meeting.
The form must be returned to Broadridge well in advance of the Meeting in order to have the Shares voted. Each Non-Registered
Holder should contact his or her Intermediary and carefully follow the voting instructions provided by such Intermediary. If
you are a Non-Registered Holder and wish to vote your Shares in person at the Meeting, you should contact your Intermediary
and follow their<FONT STYLE="color: black"> instructions for completion and return of the </FONT><FONT STYLE="color: #1F497D"><B><U>BLUE</U></B></FONT><FONT STYLE="color: black"></FONT>
form of proxy or VIF provided to you directly by them. </P>


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<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify"></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-weight: normal">Without
specific instructions, Intermediaries are generally prohibited from voting shares for their clients. Therefore, Non-Registered
Holders should ensure that instructions respecting the voting of their Shares are communicated to the appropriate person by the
appropriate time. A Non-Registered Holder cannot use a VIF to vote Shares directly at the Meeting. Voting instructions must be
returned sufficiently in advance of the Meeting to have those Shares voted. Each Intermediary has its own procedures which should
be carefully followed by Non-Registered Holders to ensure that your Shares are voted by the Intermediary on your behalf at the
Meeting.</FONT> These procedures may allow for voting by fax, via the Internet and/or by mail. Full instructions for how to vote
can also be found at www.timeforchangeatMFC.com.</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: black">Non-Registered
Holders who wish to change their vote must arrange for their respective Intermediaries to revoke the form of proxy and submit a
new proxy on their behalf prior to the proxy voting deadline of 4:00 p.m. (Hong Kong time) on Tuesday, December 24, 2013. <B>Importantly,
however, in order to be deposited with MFC&#8217;s proxy tabulator we urge you to vote the </B></FONT><FONT STYLE="font-weight: normal; color: #1F497D"><U>BLUE</U></FONT><FONT STYLE="color: black"><B>
voting instruction form so that it is received by Okapi prior to 5:00 p.m. (New York time) on Sunday, December 22, 2013</B>. Non-Registered
holders can either contact their Intermediary or vote their </FONT><FONT STYLE="color: #1F497D"><B><U>BLUE</U></B></FONT><FONT STYLE="color: black">
voting instruction form. A properly completed voting instruction form will automatically revoke an earlier proxy deposited by your
Intermediary in respect of the Meeting. It should be noted that revocation of proxies or voting instructions by a Non-Registered
Holder can take several days or even longer to complete and, accordingly, any such revocation should be as soon as possible in
advance of the deadline prescribed in the form of proxy or VIF to ensure it is given effect in respect of the Meeting.</FONT></P>

<P STYLE="font: bold 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: left">Solicitation of Proxies and Payment of
Related Expenses</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: black">This
solicitation is made by IAT and is <U>not</U> made by or on behalf of management of MFC. Proxies may be solicited by mail, telephone,
telecopier, email or other electronic means, as well as by newspaper or other media advertising and in person by managers, directors,
officers and employees of IAT who will not be specifically remunerated therefor. In addition, IAT may solicit proxies by way of
public broadcast, including press release, speech or publication and any other manner permitted under applicable Canadian and U.S.
laws. IAT may engage the services of one or more agents and authorize other persons to assist it in soliciting proxies on behalf
of IAT. The costs incurred in the preparation and mailing of this Circular and the solicitation will be borne directly and indirectly
by IAT. </FONT>However, IAT reserves the right to seek reimbursement from MFC of its legal fees and out-of-pocket expenses, including
proxy solicitation expenses, incurred in connection with the Meeting, as applicable.</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">IAT has entered into
an agreement with Okapi pursuant to which Okapi has agreed to act as IAT&#8217;s proxy solicitor in the United States and Canada.
Pursuant to this agreement, Okapi will receive an initial fee of $50,000, plus a customary fee for each call to and from Shareholders.
In addition, Okapi may be entitled to a fee upon the completion of IAT&#8217;s solicitation, as determined by IAT in consultation
with Okapi.</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">In addition, IAT, certain
of its members, directors, officers and employees and the Concerned Shareholder Nominees may solicit proxies by mail, telephone,
telecopier, the Internet, e-mail or other electronic means and personal solicitation or by way of public broadcast, as well as
by newspaper or other media advertising. Any members or employees of IAT and their affiliates or other persons who solicit proxies
on behalf of IAT will do so for no additional compensation, and none of the Concerned Shareholder Nominees will receive any special
compensation in connection with the solicitation. Banks, brokerage houses and other custodians, nominees and fiduciaries will be
requested to forward IAT&#8217;s solicitation materials to customers for whom such persons hold Shares, and IAT will reimburse
them for their reasonable out-of-pocket expenses for doing so.</P>


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<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">The entire expense
of preparing, assembling, printing and mailing this Circular and related materials and soliciting proxies will be borne by IAT.
In addition, IAT has retained Shorecrest Group to provide certain advisory services in connection with the Meeting.</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">No person is authorized
to give information or to make any representations other than those contained in this Circular and, if given or made, such information
or representations must not be relied upon as having been authorized to be given or made.</P>

<P STYLE="font: bold 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-transform: uppercase; text-align: center">OUTSTANDING
SHARES AND PRINCIPAL HOLDERS</P>

<P STYLE="font: bold 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: left">Shareholders Entitled to Vote</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">MFC has announced that
each Shareholder of record at the close of business on November 25, 2013 (the &#8220;<B>Record Date</B>&#8221;), the record date
established for notice of the Meeting and for voting in respect of the Meeting, will be entitled to one vote for each Share held
on each matter to come before the Meeting.</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">According to the Management
Circular, the number of Shares entitled to vote on each matter to be acted on at the Meeting was 62,827,502<B> </B>Shares as of
November 25, 2013. In determining the number of outstanding Shares, IAT has relied exclusively on the disclosure relating to the
outstanding Shares set out in the Management Circular.</P>

<P STYLE="font: bold 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: left">Principal Holders</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">To the best of IAT&#8217;s
knowledge and belief, based on publicly available records, filings and public statements by Michael Smith, the only persons or
companies which beneficially own, control or direct, directly or indirectly, voting securities carrying 10% or more of the votes
attached to the issued and outstanding Shares as of the date hereof are:</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Book Antiqua, Times, Serif">
<TR STYLE="vertical-align: bottom; background-color: #D9D9D9">
    <TD STYLE="width: 69%; border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; text-justify: inter-ideograph; font-size: 9pt; text-indent: 0in"><FONT STYLE="font-size: 9pt; color: black"><B>Shareholder&#8217;s Name</B></FONT></TD>
    <TD STYLE="width: 31%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; text-justify: inter-ideograph; font-size: 9pt; text-indent: 0in"><FONT STYLE="font-size: 9pt; color: black"><B>Percent of Class</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; text-justify: inter-ideograph; font-size: 9pt; text-indent: 0in"><FONT STYLE="font-size: 9pt; color: black">Peter R. Kellogg</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; text-justify: inter-ideograph; font-size: 9pt; text-indent: 0in"><FONT STYLE="font-size: 9pt; color: black">33%<SUP>(1)</SUP></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; text-justify: inter-ideograph; font-size: 9pt; text-indent: 0in"><FONT STYLE="font-size: 9pt; color: black">Michael Smith</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; text-justify: inter-ideograph; font-size: 9pt; text-indent: 0in"><FONT STYLE="font-size: 9pt; color: black">11%<SUP>(2)</SUP></FONT></TD></TR>
</TABLE>
<P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 6pt 0 0; text-align: justify; text-indent: 0in"><B><U>Notes:</U></B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 8pt Book Antiqua, Times, Serif; margin-top: 0; margin-bottom: 3pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">(1)</TD><TD STYLE="text-align: justify">As of the date of this Circular, affiliates or associates of Peter R. Kellogg and IAT own an aggregate
of 20,662,400 Shares, representing approximately 33% of the total Shares issued and outstanding as of the Record Date.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 8pt Book Antiqua, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">(2)</TD><TD STYLE="text-align: justify">On May 16, 2011, Michael Smith, in a response to an analyst&#8217;s question relating to his personal
interest in MFC, indicated that &#8220;family who are no longer living with me and certain structures that are going to be established,
I openly stated that I have a view on 11% of the company's common shares&#8221; (source: Bloomberg transcript). As of the date
of this Circular, 11% of the issued and outstanding Shares represents approximately 6,911,000 Shares. Mr. Smith may also have the
right to vote, or act in concert with, holders of other Shares. As of the date of this Circular, Mr. Smith has not reported any
such Shares on SEDI or filed an Early Warning Report in Canada or a Schedule 13D in the United States.</TD></TR></TABLE>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">Based on IAT&#8217;s
detailed review and analysis of MFC&#8217;s public disclosure record, IAT believes that Michael Smith himself has for some time
failed to comply with applicable Schedule 13D, early warning and SEDI insider reporting filing requirements in the United States
and Canada. Michael Smith has for many years indicated to the market that he holds unreported shares through his adult children
and other structures. In particular:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Book Antiqua, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">In its Form 20-F filing, dated April 26, 2004, MFC disclosed that Michael Smith beneficially owned
4.5% of the issued and outstanding shares of MFC in his own right and through his family members.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Book Antiqua, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">Through his control and direction of Trimaine Holdings, Inc., as late as April, 2005, Michael Smith
controlled or directed 11.6% of the issued and outstanding common shares of MFC Bancorp Ltd., a predecessor to MFC.</TD></TR></TABLE>


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<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">In its management information circular dated September 29, 2010, MFC disclosed that Michael Smith
had sole voting and dispositive power over 3,394,614 common shares of Mass Financial Corp. held by the Mass Employee Trust, which
pursuant to the MFC take-over bid dated October 7, 2010, were exchanged on a one-for-one basis for MFC shares. By virtue of such
transaction, Mr. Smith, through his control of the Mass Employee Trust, controlled or directed an additional 5.6% of MFC&#8217;s
issued and outstanding common shares. MFC subsequently reported that &#8220;sole voting and dispositive power over [the Mass Employee
Trust] was transferred to an independent trustee&#8221; but provided no disclosure regarding the timing of the transfer, the identity
of the trustee and how such voting and dispositive power is exercised.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Book Antiqua, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">On an earnings conference call on May 16, 2011, Michael Smith, in a response to an analyst question,
indicated that he has a personal interest in 11% of MFC&#8217;s common shares through his &#8220;family&#8221; and &#8220;certain
structures that are going to be established&#8221;.</TD></TR></TABLE>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">To this day, Michael
Smith has failed to make the required Schedule 13D filings, early warning reports and SEDI filings relating to the foregoing transactions
and is therefore not in compliance with applicable U.S. and Canadian securities laws.</P>

<P STYLE="font: bold 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: left">IAT&#8217;s Voting Intentions</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: black">IAT,
its affiliates and associates intend to vote all of their Shares: <B><U>FOR</U></B> fixing the number of directors of MFC at eleven,
<B><U>FOR</U></B> the election of the eight Concerned Shareholder Nominees, <B><U>WITHOLD</U></B> votes for the two MFC Management
Nominees, <B><U>FOR</U></B> the reappointment of the auditor of MFC and to authorize the board to fix its remuneration</FONT><B>
</B><FONT STYLE="font-weight: normal">and</FONT><B> <FONT STYLE="color: black"><U>FOR</U></FONT></B><FONT STYLE="color: black">
the approval of the Advance Notice Policy. IAT reserves the right to change its intentions regarding the voting of its own Shares.
If IAT changes its intentions, it will notify Shareholders of the change by press release and in any other manner required pursuant
to applicable securities laws.</FONT></P>

<P STYLE="font: bold 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-transform: uppercase; text-align: center">EXECUTIVE
COMPENSATION, INDEBTEDNESS, MANAGEMENT CONTRACTS AND EQUITY COMPENSATION PLANS</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">Information regarding
the compensation of executives and directors of MFC (including the information prescribed by Form 51-102F6 &#8213; <I>Statement
of Executive Compensation</I>), the indebtedness of MFC&#8217;s directors and officers or their respective associates and about
management contracts that may be in place at MFC and securities authorized for issuance under MFC equity compensation plans is
not within the knowledge of IAT. For this information, please refer to the Management Circular, and other continuous disclosure
filed by MFC on EDGAR at www.sec.gov and on SEDAR at <FONT STYLE="text-underline-style: none">www.sedar.com</FONT>. However, we
caution Shareholders that such information appears to lacks transparency.</P>

<P STYLE="font: bold 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-transform: uppercase; text-align: center">INTEREST
IN MATERIAL TRANSACTIONS AND MATTERS TO BE ACTED UPON AT THE MEETING</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">Except as otherwise
disclosed in this Circular, to the knowledge of IAT, neither IAT nor any of its managing members, directors or officers, or any
associates or affiliates of the foregoing, or any of the Concerned Shareholder Nominees or their respective associates or affiliates,
has (i) any material interest, direct or indirect, in any transaction since the beginning of MFC&#8217;s most recently completed
financial year or in any proposed transaction (other than the proposed changes and transactions contemplated in this Circular)
that has materially affected or will materially affect MFC or any of its subsidiaries; or (ii) any material interest, direct or
indirect, by way of beneficial ownership of securities or otherwise, in any matter currently known to be acted on at the Meeting
(other than in respect of their ownership of securities of MFC), other than the election of directors.</P>


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<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">Except as disclosed
above, information concerning any material interests, direct or indirect, of any director or executive officer of MFC, any other
&#8220;informed person&#8221; (as such term is defined in National Instrument 51-102 &#8213; <I>Continuous Disclosure Obligations</I>),
any person (other than IAT, its affiliates and their associates) who, to the knowledge of the directors or officers of MFC, beneficially
owns or exercises control or direction over securities carrying more than 10% of the voting rights attached to any class of outstanding
voting securities of MFC or any associate or affiliate of any of the foregoing, in any transaction since the commencement of MFC&#8217;s
most recently completed financial year or in any proposed transaction which has materially affected or would materially affect
MFC or any of its subsidiaries, or in any matter to be acted upon at the Meeting, is not within the knowledge of IAT. For this
information, please refer to the Management Circular.</P>

<P STYLE="font: bold 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-transform: uppercase; text-align: center">INFORMATION
CONTAINED IN THIS CIRCULAR</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">Certain information
concerning MFC contained in this Circular has been taken from or is based upon publicly available documents or records on file
with Canadian securities regulatory authorities and other public sources (including the Management Circular). We do not assume
and expressly disclaim any responsibility for the accuracy or completeness of the information taken from or based upon those documents,
records and other public sources, or for any failure by MFC to disclose publicly events or facts that may have occurred or that
may affect the significance or accuracy of any such information, but that are unknown to us. We also caution Shareholders that
such information appears to lack transparency.</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">This Circular does
not constitute an offer to sell, or a solicitation of an offer to purchase, any securities, or the solicitation of a proxy, by
any person in any jurisdiction in which such an offer or solicitation is not authorized or in which the person making such offer
or solicitation is not qualified to do so or to any person to whom it is unlawful to make such an offer or solicitation of an offer
or proxy solicitation. The delivery of this Circular will not, under any circumstances, create an implication that there has been
no change in the information set forth herein since the date as of which such information is given in this Circular.</P>

<P STYLE="font: bold 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-transform: uppercase; text-align: center">ADDITIONAL
INFORMATION REGARDING MFC</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">Additional information
relating to MFC, including its Annual Report on Form 20-F dated April 1, 2013 and the Management Circular dated November 29, 2013
is available on EDGAR and on SEDAR. Financial information is provided in MFC&#8217;s comparative annual financial statements and
management&#8217;s discussion and analysis for the year ended December 31, 2012. Copies of MFC&#8217;s financial statements and
management&#8217;s discussion and analysis may be obtained by any person without charge by contacting MFC, at Suite 1620 - 400
Burrard Street, Vancouver, British Columbia, V6C 3A6.</P>

<P STYLE="font: bold 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-transform: uppercase; text-align: center">CERTIFICATE</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">The contents and the sending of this Circular
have been approved by IAT.</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 6pt; text-align: justify">December<B> </B>6, 2013</P>




<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Book Antiqua, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph"><FONT STYLE="text-transform: uppercase; color: black"><B>IAT Reinsurance Company Ltd</B></FONT><B><FONT STYLE="color: black">.</FONT></B></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 31%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph">&nbsp;</TD>
    <TD STYLE="width: 5%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph">By:</TD>
    <TD STYLE="width: 61%; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph">&nbsp;<IMG SRC="image_017.jpg" ALT=""></TD>
    <TD STYLE="width: 3%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph"><FONT STYLE="color: black">Peter R. Kellogg, Chief Executive Officer</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph">&nbsp;</TD></TR>
</TABLE>


<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify"></P>


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<P STYLE="font: bold 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-transform: uppercase; text-align: center">APPENDIX
&#8220;A&#8221;</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: center"><B>GLOSSARY OF TERMS</B></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">In this Circular, the
following capitalized words and terms have the following meanings:</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">&#8220;<B>Blue Earth</B>&#8221; means <FONT STYLE="color: black">Blue
Earth Refineries Inc.; </FONT></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify"><FONT STYLE="font-style: normal">&#8220;<B>Canoro</B>&#8221;
means Canoro Resources Ltd.; </FONT></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">&#8220;<B>CCGG</B>&#8221; means<FONT STYLE="color: black">
the Canadian Coalition for Good Governance</FONT>;</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">&#8220;<B>CEO</B>&#8221; means chief executive
officer;</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">&#8220;<B>CFO</B>&#8221; means chief financial
officer;</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">&#8220;<B>Circular</B>&#8221; means <FONT STYLE="color: black">this
proxy circular, including the letter to shareholders dated December 6, 2013 which is incorporated herein, and any further supplements
or amendments and restatements hereof or thereof; </FONT></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">&#8220;<B>Compton Petroleum</B>&#8221;
means Compton Petroleum Corporation;</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify"><FONT STYLE="color: black">&#8220;<B>Concerned
Shareholder Nominees</B>&#8221; means Peter R. Kellogg, </FONT><FONT STYLE="color: windowtext">J. Andrew Betts</FONT><FONT STYLE="color: black">,
David L. Grange, Jeffrey A. Harris, William C. Horn III, Logan W. Kruger, Patrice E. Merrin and Trevor S. Schultz; </FONT></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">&#8220;<B>CSA</B>&#8221; means the Canadian
Securities Administrators;</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">&#8220;<B>EDGAR</B>&#8221; means the Electronic
Data-Gathering, Analysis and Retrieval system at www.sec.gov;</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">&#8220;<B>Glencore</B>&#8221; means Glencore
Xstrata plc;</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">&#8220;<B>IAT</B>&#8221; means IAT Reinsurance
Company Ltd.;</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">&#8220;<B>Intermediary</B>&#8221; means
an intermediary that the Non-Registered Holder deals with in respect of Shares. Intermediaries include banks, trust companies,
securities dealers or brokers, and trustees or administrators of self-administered RRSPs, RRIFs, RESPs and similar plans;</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">&#8220;<B>ISS</B>&#8221; means Institutional
Shareholder Services Inc.;</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify"><FONT STYLE="font-style: normal">&#8220;<B>KCCL</B>&#8221;
means Kasese Cobalt Company Limited; </FONT></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">&#8220;<B>LMS</B>&#8221; means LMS Medical
Systems, Inc.;</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify"><FONT STYLE="font-style: normal">&#8220;<B>Magnum
Minerals</B>&#8221; means Magnum Minerals Private Ltd.; </FONT></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">&#8220;<B>Management Circular</B>&#8221;
means the MFC management proxy circular dated November 29, 2013 and a white form of proxy or voting instruction form from management
of MFC soliciting proxies in connection with the Meeting;</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify"><FONT STYLE="font-style: normal">&#8220;<B>Mass</B>
<B>Employee Trust</B>&#8221; means Mass Employees Incentive Corporation; </FONT></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">&#8220;<B>Mass Financial</B>&#8221; means
Mass Financial Corp;</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">&#8220;<B>Meeting</B>&#8221; means the
annual and special meeting of the holders of Shares to be held on December 27, 2013 at 4:00 p.m. (Hong Kong time), including any
postponements or adjournments thereof;</P>


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<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">&#8220;<B>MFC</B>&#8221; or the &#8220;<B>Company</B>&#8221;
means MFC Industrial Ltd. and its predecessors (as required by the context);</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">&#8220;<B>MFC Management Nominees</B>&#8221;
means Dr. <FONT STYLE="color: black">Shuming Zhao and Ravin Prakash, both of whom are </FONT>being put forth by MFC&#8217;s management
for re-election to the board of directors at the Meeting<FONT STYLE="color: black">; </FONT></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">&#8220;<B>NI 52-110</B>&#8221; means National
Instrument 52-110 &#8211; <I>Audit Committee</I> as published by the CSA;</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">&#8220;<B>Noble Group</B>&#8221; means
Noble Group Limited;</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify"><FONT STYLE="font-style: normal">&#8220;<B>Non-Registered
Holder</B>&#8221; has the meaning ascribed to that term under the heading &#8220;Non-Registered (Beneficial) Holders of Shares&#8221;;
</FONT></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify"><FONT STYLE="font-style: normal">&#8220;<B>NYSE</B>&#8221;
means the New York Stock Exchange; </FONT></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify"><FONT STYLE="color: black">&#8220;<B>Okapi</B>&#8221;
means </FONT>Okapi Partners LLC;</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">&#8220;<B>Order</B>&#8221; means <FONT STYLE="color: black">a
cease trade or similar order or an order that denied the relevant company access to any exemption under securities legislation,
in each case, that was in effect for a period of more than thirty (30) consecutive days; </FONT></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">&#8220;<B>Record Date</B>&#8221; means
the close of business on November 25, 2013, such date being the record date established by MFC for notice of the Meeting and for
voting in respect of the Meeting;</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">&#8220;<B>Rights</B> <B>Plan</B>&#8221;
means the shareholder rights plan agreement between MFC and Computershare Inc. dated November 11, 2013;</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">&#8220;<B>S&amp;P 500</B>&#8221; means
the Standard &amp; Poor's 500 Index;</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">&#8220;<B>Schedule 13D</B>&#8221; means
a form that must be filed with the SEC by any person or group of persons that acquires beneficial ownership (within the meaning
of the U.S. Exchange Act) of more than 5% of a voting class of a company&#8217;s securities registered under Section 12 of the
U.S. Exchange Act;</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">&#8220;<B>SEDAR</B>&#8221; means the <FONT STYLE="color: black">System
for Electronic Document Analysis and Retrieval at www.sedar.com; </FONT></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">&#8220;<B>SEDI</B>&#8221; means the System
for Electronic Disclosure by Insiders at www.sedi.ca;</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">&#8220;<B>Shareholders</B>&#8221; means
the holders of Shares;</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">&#8220;<B>Shares</B>&#8221; means common
shares in the capital of MFC;</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">&#8220;<B>Terra Nova</B>&#8221; means <FONT STYLE="color: black">Terra
Nova Royalty Corporation; </FONT></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">&#8220;<B>U.S. Exchange Act</B>&#8221;
means United States Securities Exchange Act of 1934, as amended; and</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">&#8220;<B>VIF</B>&#8221; means a voting
instruction form.</P>


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<P STYLE="font: bold 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-transform: uppercase; text-align: center">APPENDIX
&#8220;B&#8221;</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 6pt; text-align: center"><B>MFC CORPORATE GOVERNANCE REPORT CARD</B></P>

<P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 6pt; text-align: justify"><B><U>Legend</U></B></P>

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    <TD STYLE="width: 32%; padding-right: 5.4pt; padding-bottom: 6pt; padding-left: 5.4pt; text-align: center; text-justify: inter-ideograph; font-size: 16pt"><FONT STYLE="font: 16pt Wingdings 2; color: #C00000"><B>O
    </B></FONT><FONT STYLE="font-size: 10pt">= not compliant</FONT></TD>
    <TD STYLE="width: 35%; padding-right: 5.4pt; padding-bottom: 6pt; padding-left: 5.4pt; text-align: center; text-justify: inter-ideograph; font-size: 14pt"><FONT STYLE="font-size: 10pt"><B>&#9644;
    </B>= minimally compliant</FONT></TD>
    <TD STYLE="width: 33%; padding-right: 5.4pt; padding-bottom: 6pt; padding-left: 5.4pt; text-align: center; text-justify: inter-ideograph; font-size: 15pt"><FONT STYLE="font: 10pt Wingdings"><B>&uuml;</B></FONT><FONT STYLE="font-size: 10pt">=
    compliant</FONT></TD></TR>
</TABLE>
<P STYLE="font: 4pt Book Antiqua, Times, Serif; margin: 0 0 6pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 6pt; text-align: center; text-indent: -27.35pt"><B>PART 1: NYSE/ SEC,
CSA AND ISS REQUIREMENTS AND BEST PRACTICES</B></P>

<P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 6pt; text-align: justify">Unless otherwise indicated, all the page
references are to the Management Information Circular of MFC Industrial Ltd. (the &#8220;<B>Company</B>&#8221;) dated November
29, 2013 (the &#8220;<B>MFC 2013 Circular</B>&#8221;). Reference is also made to the Management Information Circular of the Company
dated November 20, 2012 (the &#8220;<B>MFC 2012 Circular</B>&#8221;). The following is based on our own review of applicable NYSE/SEC,
CSA and ISS requirements and best practices. Please note that ISS has not approved this analysis.</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Book Antiqua, Times, Serif">
<TR STYLE="background-color: black">
    <TD STYLE="width: 24%; border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; text-justify: inter-ideograph; font-size: 8pt"><FONT STYLE="font-size: 8pt; color: white"><B>NYSE/SEC</B></FONT></TD>
    <TD STYLE="width: 20%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; text-justify: inter-ideograph; font-size: 8pt"><FONT STYLE="font-size: 8pt; color: white"><B>CSA</B></FONT></TD>
    <TD STYLE="width: 28%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; text-justify: inter-ideograph; font-size: 8pt"><FONT STYLE="font-size: 8pt; color: white"><B>ISS</B></FONT></TD>
    <TD STYLE="width: 8%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; text-justify: inter-ideograph; font-size: 8pt"><FONT STYLE="font-size: 8pt; color: white"><B>Rating</B></FONT></TD>
    <TD STYLE="width: 20%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; text-justify: inter-ideograph; font-size: 8pt"><FONT STYLE="font-size: 8pt; color: white"><B>Comments</B></FONT></TD></TR>
<TR STYLE="background-color: #D99594">
    <TD COLSPAN="5" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph; font-size: 8pt"><FONT STYLE="font-size: 8pt; text-transform: uppercase"><B>I. Board of Directors&#9;</B></FONT></TD></TR>
<TR STYLE="background-color: #D9D9D9">
    <TD COLSPAN="5" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: left; text-justify: inter-ideograph; font-size: 8pt"><FONT STYLE="font-size: 8pt"><B>A. Chairman of the Board</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph; font-size: 8pt"><FONT STYLE="font-size: 8pt">SEC Regulation S-K Item 407(h) requires disclosure on whether there is a lead independent director and what role he or she plays if one person serves as both CEO and Chairman. </FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0; text-align: justify">The Chairman of the board should be an independent
        director. Where this is not possible, an independent director should be appointed to act as the &#8220;lead director&#8221;.</P>
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0; text-align: justify">(s. 3.2 of NP 58-201).</P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph; font-size: 8pt"><FONT STYLE="font-size: 8pt">Vote in favour of proposals requiring an independent Chairman of the board unless the company maintains appropriate counterbalancing corporate governance structure, including having: (i) a lead independent director; (ii) two-thirds of the board be independent; (iii) fully independent board committees; (iv) corporate governance guidelines; and (v) no other problematic governance or management issues.&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font: 24pt Wingdings 2; color: #C00000"><B>O</B></FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">Michael J. Smith is the Chairman, CEO and
        interim CFO of the Company (pg. 19) and has served as both the CEO and CFO for over 3 years.</P>
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify"><B>There is no indication that the Company
        has a lead independent director despite having the CEO/CFO as the Chairman of the board. </B></P>
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify"><B>MFC 2013 Circular does not provide sufficient
        justification as to why the board believes having Mr. Smith as the Chairman, CEO and CFO is beneficial to the Company. In fact,
        the Corporate Governance Disclosure states that the Board is satisfied with the autonomy of the Board and its ability to function
        independently of management through measures such as independent board committees (pg. 30), with no discussion as to how such autonomy
        can be achieved at the board level generally with the Chairman also being CEO and CFO.</B></P></TD></TR>
</TABLE>

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<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Book Antiqua, Times, Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="border: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; text-align: left; text-justify: inter-ideograph; font-size: 8pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0; text-align: justify">The board should develop clear position descriptions
        for the: (i) Chairman of the board; (ii) Chair of each committee; and (iii) CEO (with delineation of management&#8217;s responsibilities
        and corporate goals)</P>
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0; text-align: justify">(s. 3.5 of NP 58-201).</P></TD>
    <TD STYLE="border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph; font-size: 8pt">&nbsp;</TD>
    <TD STYLE="border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font: 24pt Wingdings 2; color: #C00000"><B>O</B></FONT></TD>
    <TD STYLE="border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph; font-size: 8pt"><FONT STYLE="font-size: 8pt">Boilerplate language that is not specific to the Company is used to describe various positions such as the description of the responsibilities of the CEO (pg. &nbsp;32-35).<B> </B></FONT></TD></TR>
<TR STYLE="background-color: #D9D9D9">
    <TD COLSPAN="6" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: left; text-justify: inter-ideograph; font-size: 8pt"><FONT STYLE="font-size: 8pt"><B>B.&nbsp;&nbsp;Independence</B></FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">A majority of the board <U>must be</U> composed
        of independent directors.</P>
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify"><B>&nbsp;</B></P>
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify"><B>&nbsp;</B></P></TD>
    <TD COLSPAN="2" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">The board <U>should have</U> a majority
        of independent directors (s. 3.1 of NP 58-201).</P>
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify"><B><I>&nbsp;</I></B></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph; font-size: 8pt"><FONT STYLE="font-size: 8pt">Vote against or withhold from inside directors and affiliated outside directors when independent directors make up less than a majority of the directors. </FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font-size: 14pt"><B>&#9644;</B></FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph; font-size: 8pt"><FONT STYLE="font-size: 8pt">The Company barely met the independence requirement in 2012 with 3 independent directors and 2 non-independent directors (pg. 5 of MFC 2012 Circular). The Company has only very recently appointed an additional independent director (in August, 2013), who is a former director of the Company. Subsequently, the Company has purported to fix the size of the board to 6 directors. As discussed above, IAT believes that this increase to the board size is invalid. &nbsp;</FONT></TD></TR>
<TR STYLE="background-color: #D9D9D9">
    <TD COLSPAN="6" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: left; text-justify: inter-ideograph; font-size: 8pt"><FONT STYLE="font-size: 8pt"><B>C.&nbsp;&nbsp;Directors&#8217; Meetings</B></FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">Non-management directors (who may include
        directors who are not independent) must meet in regularly scheduled executive sessions.</P>
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">NYSE suggests that only independent directors
        meet in executive session at least once per year (NYSE 303A.03).</P>
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">The overall calendar of board, committee
        and shareholder meetings need to be prepared. The calendar should include any known action items.</P>
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">The board should determine an appropriate
        commitment of time and meeting frequency for the board and committee members to discharge their duties (SEC regulation S-K, Item
        407(b)).</P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0; text-align: justify">The independent directors should hold regularly
        scheduled meetings at which non-independent directors and members of management are not in attendance.</P>
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0; text-align: justify">(s. 3.3 of NP 58-201).</P></TD>
    <TD COLSPAN="2" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">Vote against or withhold from directors
        (except new nominees, who should be considered on a case-by-case basis) who attend less than 75% of the aggregate of their board
        and committee meetings for the period for which they served, unless an acceptable reason for absences is disclosed in the proxy
        circular or other SEC filings.</P>
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">Similarly, if the proxy disclosure is unclear
        and insufficient to determine whether a director attended at least 75% of the aggregate of his/her board and committee meetings
        during his/her period of service, ISS recommends voting against or withholding from the director(s) in question.</P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font-size: 14pt"><B>&#9644;</B></FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">While the attendance record shows 100% attendance
        for each director, it also includes all board actions by written consent in lieu of a meeting (pg. 31). It is therefore unclear
        whether the board members are actually participating in regularly scheduled meetings. It is also not clear how frequently the independent
        directors meet on their own.<B> </B></P>
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">&nbsp;</P></TD></TR>
<TR STYLE="background-color: #D9D9D9">
    <TD COLSPAN="6" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: left; text-justify: inter-ideograph; font-size: 8pt"><FONT STYLE="font-size: 8pt"><B>D.&nbsp;&nbsp;Communications with Directors</B></FONT></TD></TR>
<TR>
    <TD STYLE="width: 24%">&nbsp;</TD>
    <TD STYLE="width: 19%">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 28%">&nbsp;</TD>
    <TD STYLE="width: 8%">&nbsp;</TD>
    <TD STYLE="width: 20%">&nbsp;</TD></TR>
</TABLE>

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<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Book Antiqua, Times, Serif">
<TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="width: 24%; border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0; text-align: justify">A method for all interested parties (not just shareholders)
        to communicate directly with the presiding director or with the non-management (or independent) directors as a group needs to be
        established in order to make their concerns known to those directors</P>
        <P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-size: 8pt">(NYSE 303A.03).</FONT></P>
        <P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0; text-align: justify">&nbsp;</P></TD>
    <TD STYLE="width: 20%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph; font-size: 8pt"><FONT STYLE="font-size: 8pt">The board should adopt a written mandate that acknowledges the responsibility for, among others, the adoption of a communication policy.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(s. 3.4 of NP 58-201).</FONT></TD>
    <TD STYLE="width: 28%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph; font-size: 8pt"><FONT STYLE="font-size: 8pt">Vote for shareholder proposals requesting that the board establish an internal mechanism/process, which may include a committee, in order to improve communications between directors and shareholders.&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="width: 8%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font: 24pt Wingdings 2; color: #C00000"><B>O</B></FONT></TD>
    <TD STYLE="width: 20%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph; font-size: 8pt"><FONT STYLE="font-size: 8pt">The Company does not disclose its communication policy and it is not clear as to whether the Company has such a policy in place.&nbsp;&nbsp;Shareholder access to independent directors is also not determinable.</FONT></TD></TR>
<TR STYLE="background-color: #D9D9D9">
    <TD COLSPAN="5" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: left; text-justify: inter-ideograph; font-size: 8pt"><FONT STYLE="font-size: 8pt"><B>E.&nbsp;&nbsp;Classified/Staggered boards</B></FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph; font-size: 8pt"><FONT STYLE="font-size: 8pt">The NYSE will refuse to authorize listing where the board is divided into more than three classes. Where classes are provided, they should be of approximately equal size and tenure and directors&#8217; terms of office should not exceed three years (NYSE 304.00).</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph; font-size: 8pt">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph; font-size: 8pt"><FONT STYLE="font-size: 8pt">Vote against any proposal that imposes a staggered board and in favour of any proposal that repeals a staggered board.</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font: 24pt Wingdings 2; color: #C00000"><B>O</B></FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">The Company has three classes of directors
        with staggered terms, effectively creating an entrenched board (pg. 18).</P>
        <P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">&nbsp;</P></TD></TR>
<TR STYLE="background-color: #D9D9D9">
    <TD COLSPAN="5" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: left; text-justify: inter-ideograph; font-size: 8pt"><FONT STYLE="font-size: 8pt"><B>F.&nbsp;&nbsp;&nbsp;Board Mandate or Corporate Governance Guidelines </B></FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph; font-size: 8pt"><FONT STYLE="font-size: 8pt">The company must adopt and disclose corporate governance guidelines that cover: (i) director qualifications standards; (ii) director responsibilities; (iii) director access to management and independent advisors; (iv) director compensation; (v) director orientation and continuing education; (vi) management succession; and (vii) annual performance evaluation of the board&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(NYSE 303A.09).</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph; font-size: 8pt"><FONT STYLE="font-size: 8pt">The board should adopt a written mandate, that acknowledges responsibility and stewardship for: (i) integrity; (ii) strategic planning; (iii) identification of principal risks and implementation of appropriate management systems; (iv) succession planning; (v) adoption of communication policy; (vi) internal control and management information systems; (vi) developing issuer&#8217;s approach to corporate governance; (vii) obtaining feedback from stakeholders; and (viii) expectations and responsibilities of directors (s. 3.4 of NP 58-201).</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph; font-size: 8pt">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font: 24pt Wingdings 2; color: #C00000"><B>O</B></FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">The board mandate includes boilerplate language
        that is not specific to the Company (pgs. 31-32).</P>
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">&nbsp;</P>
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">The board mandate does not include reference
        to the following: (i) identification of principal risks and implementation of appropriate management systems; (ii) adoption of
        communication policy; and (iii) obtaining feedback from stakeholders. Other shortcomings are noted below.</P>
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">&nbsp;</P></TD></TR>
<TR STYLE="background-color: #DFDFDF">
    <TD COLSPAN="5" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: left; text-justify: inter-ideograph; font-size: 8pt"><FONT STYLE="font-size: 8pt"><B>G. Orientation and Continuing Education</B></FONT></TD></TR>
</TABLE>

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<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Book Antiqua, Times, Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 24%; border: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph; font-size: 8pt"><FONT STYLE="font-size: 8pt">The company must adopt and disclose corporate governance guidelines that cover, among others, director orientation and continuing education (NYSE 303A.09). </FONT></TD>
    <TD STYLE="width: 19%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">The board should ensure that all new directors
        receive a comprehensive orientation regarding the role of the board, its committees, and the contribution individual directors
        are expected to make (s. 3.6 of NP 58-201).</P>
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">The board should provide continuing education
        opportunities for all directors (s. 3.7 of NP 58-201).</P></TD>
    <TD STYLE="width: 29%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph; font-size: 8pt">&nbsp;</TD>
    <TD STYLE="width: 8%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font: 24pt Wingdings 2; color: #C00000"><B>O</B></FONT></TD>
    <TD STYLE="width: 20%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph; font-size: 8pt"><FONT STYLE="font-size: 8pt">In the MFC 2012 Circular, the Company clearly stated that it does not provide continuing education opportunities for directors (pg. 20 of MFC 2012 Circular).&nbsp;&nbsp;Boilerplate disclosure was added to the MFC 2013 Circular indicating that certain continuing education measures shall be undertaken, but it is not possible to determine what measures will actually be provided for (pg. 35). </FONT></TD></TR>
<TR STYLE="background-color: #DFDFDF">
    <TD COLSPAN="5" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: left; text-justify: inter-ideograph; font-size: 8pt"><FONT STYLE="font-size: 8pt"><B>H. Regular Board Assessments</B></FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph; font-size: 8pt"><FONT STYLE="font-size: 8pt">The company must adopt and disclose corporate governance guidelines that cover, among others, the annual performance evaluation of the board (NYSE 303A.09).</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph; font-size: 8pt"><FONT STYLE="font-size: 8pt">The board, its committees and each individual director should be regularly assessed regarding his, her, or its effectiveness and contribution (s. 3.18 of NP 58-201).</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph; font-size: 8pt">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font: 24pt Wingdings 2; color: #C00000"><B>O</B></FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph; font-size: 8pt"><FONT STYLE="font-size: 8pt">The board does not have a process of assessment (pg. 37). </FONT></TD></TR>
</TABLE>
<P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 6pt; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; background-color: black; border-collapse: collapse; font-family: Book Antiqua, Times, Serif">
<TR>
    <TD STYLE="width: 28%; border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; text-justify: inter-ideograph; font-size: 8pt"><FONT STYLE="font-size: 8pt; color: white"><B>NYSE/SEC</B></FONT></TD>
    <TD STYLE="width: 30%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; text-justify: inter-ideograph; font-size: 8pt"><FONT STYLE="font-size: 8pt; color: white"><B>CSA</B></FONT></TD>
    <TD STYLE="width: 9%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; text-justify: inter-ideograph; font-size: 8pt"><FONT STYLE="font-size: 8pt; color: white"><B>Rating</B></FONT></TD>
    <TD STYLE="width: 33%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; text-justify: inter-ideograph; font-size: 8pt"><FONT STYLE="font-size: 8pt; color: white"><B>Comments</B></FONT></TD></TR>
<TR STYLE="background-color: #D99594">
    <TD COLSPAN="4" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: left; text-justify: inter-ideograph; font-size: 8pt"><FONT STYLE="font-size: 8pt; text-transform: uppercase"><B>II. Other Board Committees</B></FONT></TD></TR>
<TR STYLE="background-color: #D9D9D9">
    <TD COLSPAN="4" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: left; text-justify: inter-ideograph; font-size: 8pt"><FONT STYLE="font-size: 8pt"><B>A. Nominating Committee</B></FONT></TD></TR>
<TR STYLE="background-color: white">
    <TD COLSPAN="4" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: left; text-justify: inter-ideograph; font-size: 8pt"><FONT STYLE="font-size: 8pt"><B>1.&nbsp;&nbsp;Independence</B></FONT></TD></TR>
</TABLE>

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<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Book Antiqua, Times, Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 28%; border: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph; font-size: 8pt"><FONT STYLE="font-size: 8pt">The company must have a nominating/corporate governance committee composed entirely of independent directors (NYSE 303A.04). </FONT></TD>
    <TD STYLE="width: 30%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph; font-size: 8pt"><FONT STYLE="font-size: 8pt">The board should appoint a nominating committee composed entirely of independent directors (s. 3.10 of NP 58-201).</FONT></TD>
    <TD STYLE="width: 9%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font: 24pt Wingdings 2; color: #C00000"><B>O</B></FONT></TD>
    <TD STYLE="width: 33%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph; font-size: 8pt"><FONT STYLE="font-size: 8pt">According to the MFC 2012 Circular, all 3 independent directors of the Company served as members of all of the Company&#8217;s existing board committees. With the recent addition of Ms. Stenger to the board, all 4 directors of the Company, listed as independent, now serve as members of all of the Company&#8217;s existing board committees (pg. 19-20). Due to the limited size of the board, all such members serve on all committees, which prevents circulation of committee members and raises questions as to whether such members can devote adequate time and attention to their committee duties.&nbsp;&nbsp;Under ISS&#8217; 2014 Canadian Corporate Governance Policy Updates, ISS states that time commitments for committee memberships, requiring issuers to look more closely at balancing the insight gained by multiple memberships with allowing for sufficient time for preparation for attendance and effective participation.&nbsp;&nbsp;</FONT></TD></TR>
<TR>
    <TD COLSPAN="4" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: left; text-justify: inter-ideograph; font-size: 8pt"><FONT STYLE="font-size: 8pt"><B>2.&nbsp;&nbsp;Written Charter</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">The nominating committee must have a written
        charter that addresses (i) the committee&#8217;s purpose and responsibilities and (ii) an annual performance evaluation of the
        committee.</P>
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">The charter should also address the following
        items: the committee member qualifications; committee member appointment and removal; committee structure and operations (including
        authority to delegate to subcommittees); and committee reporting to the board (NYSE 303A.04 &amp; SEC Regulation S-K, Item 407(c)).</P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph; font-size: 8pt"><FONT STYLE="font-size: 8pt">The nominating committee should have a written charter that clearly establishes the committee&#8217;s purpose, responsibilities, member qualifications, member appointment and removal, structure and operations (including any authority to delegate to individual members and subcommittees), and the manner of reporting to the board (s. 3.11 of NP 58-201).</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font-size: 14pt"><B>&#9644;</B></FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">The written charter uses boilerplate language
        that is not specific to the Company.</P>
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify"><B>&nbsp;</B></P></TD></TR>
<TR>
    <TD COLSPAN="4" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: left; text-justify: inter-ideograph; font-size: 8pt"><FONT STYLE="font-size: 8pt"><B>3.&nbsp;&nbsp;Responsibilities</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0; text-align: justify">The nominating committee&#8217;s purpose and responsibilities,
        at minimum, must be to: identify individuals qualified to become board members, consistent with criteria approved by the board,
        and to select or to recommend that the board select the director nominees for the next annual shareholders&#8217; meeting; develop
        and recommend to the board a set of corporate governance guidelines applicable to the corporation; and oversee the evaluation of
        the board and management (NYSE 303A.04).</P>
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: left">&nbsp;</P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">The nominating committee should be responsible
        for identifying individuals qualified to become new board members and recommending to the board the new director nominees for the
        next annual meeting of shareholders (s. 3.13 of NP 58-201).</P>
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">In making its recommendations, the nominating
        committee should consider: (i) the competencies and skills necessary for the board as a whole; (ii) the competencies and skills
        each director to possess; (iii) the competences and skills each new nominee will bring to the boardroom; and (iv) whether each
        new nominee can devote sufficient time and resources to his or her duties as a board member (s. 3.14 of NP 58-201).</P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font: 24pt Wingdings 2; color: #C00000"><B>O</B></FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph; font-size: 8pt"><FONT STYLE="font-size: 8pt">See discussion above.&nbsp;&nbsp;Not only is there no discussion regarding any of these matters, the composition of the nomination committee may impair its effectiveness for the reasons discussed above under &#8220;Independence&#8221; and as discussed below.&nbsp;&nbsp;</FONT></TD></TR>
</TABLE>

<P STYLE="margin: 0">&nbsp;&nbsp;</P>

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<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0"></P>

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<TR>
    <TD COLSPAN="4" STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: left; text-justify: inter-ideograph; font-size: 8pt; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 8pt"><B>4.&nbsp;&nbsp;Authority to Engage External Advisor</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph; font-size: 8pt; width: 28%"><FONT STYLE="font-size: 8pt">The charter should give the committee sole authority to retain and terminate any search firm used to identify director candidates, including sole authority to approve the firm&#8217;s fees and other retention terms (NYSE 303A.04). </FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph; font-size: 8pt; width: 30%; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-size: 8pt">The nominating committee should be given the authority to engage and compensate any external advisor (s. 3.11 of NP 58-201).</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt; width: 9%; border-right: Black 1pt solid"><FONT STYLE="font: 16pt Wingdings"><B>&uuml;</B></FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph; font-size: 8pt; width: 33%">&nbsp;</TD></TR>
<TR>
    <TD COLSPAN="4" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; text-align: left; text-justify: inter-ideograph; font-size: 8pt"><FONT STYLE="font-size: 8pt"><B></B></FONT></TD></TR>
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<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Book Antiqua, Times, Serif">
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    <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; text-align: left; text-justify: inter-ideograph; font-size: 8pt; padding-left: 5.4"><B>5.&nbsp;&nbsp;Nomination
    Process</B></TD>
    <TD STYLE="border-top: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph; font-size: 8pt">&nbsp;</TD>
    <TD STYLE="border-top: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 28%; border: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; text-align: left; text-justify: inter-ideograph; font-size: 8pt; padding-left: 5.4">A<FONT STYLE="font-size: 8pt">s a result of governance best practices, most companies maintain (i) a formal policy concerning consideration of nominees proposed by shareholders and (ii) a formal statement of qualifications or standards applied in selecting nominees for election at the annual meeting (and information is required about whether or not the committee considers diversity as a factor in identifying director nominees) (SEC Regulation S-K, Item 407(c)). </FONT></TD>
    <TD STYLE="width: 30%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph; font-size: 8pt"><FONT STYLE="font-size: 8pt">Prior to nominating or appointing individuals as directors, the board should adopt a process involving the following steps: (i) consider what competencies and skills the board should possess; (ii) assess what competences and skills each existing director possesses; and (iii) consider the appropriate size of the board (s.3.12 of NP 58-201).&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="width: 9%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font: 24pt Wingdings 2; color: #C00000"><B>O</B></FONT></TD>
    <TD STYLE="width: 33%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">The Company&#8217;s disclosures do not discuss
        nor provide a formal statement of qualifications/standards applied in selecting nominees for election to the board.</P>
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">As noted above, there is neither discussion
        regarding the appropriate size of the board despite the fact that the size of the board has been in a state of flux in recent years,
        nor discussion as to why it was determined to be appropriate to fix the size of the board at six directors. While the MFC 2013
        Circular provides more extensive disclosure on the nomination of directors as compared to the MFC 2012 Circular, it is still boilerplate
        (pg. 36).<B> </B></P></TD></TR>
<TR STYLE="background-color: #D9D9D9">
    <TD COLSPAN="4" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: left; text-justify: inter-ideograph; font-size: 8pt"><FONT STYLE="font-size: 8pt"><B>B. Compensation Committee</B></FONT></TD></TR>
<TR STYLE="background-color: white">
    <TD COLSPAN="4" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: left; text-justify: inter-ideograph; font-size: 8pt"><FONT STYLE="font-size: 8pt"><B>1.&nbsp;&nbsp;Independence</B></FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">Listed companies must have a compensation
        committee composed entirely of independent directors (NYSE 303A.05).</P>
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">The Dodd-Frank Act requires the SEC to direct
        the NYSE and other national securities exchanges to adopt listing standards that would require each member of the compensation
        committee to be independent (Section 10C of Securities Exchange Act).</P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph; font-size: 8pt"><FONT STYLE="font-size: 8pt">The board should appoint a compensation committee composed entirely of independent directors (s. 3.15 NP 58-201).</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font: 24pt Wingdings 2; color: #C00000"><B>O</B></FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">The MFC 2013 Circular and the MFC 2012 Circular
        state that certain aspects of executive and director compensation is administered by the board. The stock option plan, in particular,<B>
        </B>is directly under the authority of the board. Given that Mr. Smith, the CEO and CFO of the Company, is also the Chairman of
        the board, there is a significant impairment of independence and effectiveness of the compensation committee. For example, Mr.
        Smith was given a significant option award during the year ended December 31, 2011 with no indication as to whether his compensation
        and/or grants were discussed by the independent directors without him being present (pg. 8 of MFC 2012 Circular).<B> </B></P>
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">In addition, there are directly contradictory
        statements in the MFC 2013 Circular regarding the responsibility for implementing and administering the Company&#8217;s equity-based
        incentive plans since on pg. 13 it says that the &#8220;Compensation Committee administers and implements all of the Option Plan
        and other stock-based and equity-based benefit plans&#8221; and on pg. 24 it says &#8220;the Board currently administers and implements
        the Option Plan and the Incentive Plan&#8221;.</P>
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">It is arguable that the composition of the
        compensation committee also impairs its independence and effectiveness for the reasons discussed above.</P></TD></TR>
</TABLE>

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    <TD COLSPAN="4" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: left; text-justify: inter-ideograph; font-size: 8pt"></TD></TR>
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<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Book Antiqua, Times, Serif; border-top: Black 1pt solid">
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; border-left: Black 1pt solid"><FONT STYLE="font-size: 8pt"><B>2.&nbsp;&nbsp;Written Charter</B></FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph; font-size: 8pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph; font-size: 8pt; border-right: Black 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 28%; border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">The compensation committee must have a written
        charter that addresses (i) the committee&#8217;s purpose and responsibilities and (ii) an annual performance evaluation of the
        committee (NYSE 303A.05 &amp; SEC Regulation S-K, Item 407(e)).</P>
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">The written charter should also address
        the following items: committee member qualifications; committee member appointment and removal; committee structure and operations
        (including authority to delegate to subcommittees); and committee reporting to the board (NYSE303A.05).</P></TD>
    <TD STYLE="width: 30%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph; font-size: 8pt"><FONT STYLE="font-size: 8pt">The compensation committee should have a written charter that establishes committee&#8217;s purpose, responsibilities, member qualifications, member appointment and removal, structure and operations, and the manner of reporting to the board (s. 3.16 of NP 58-201).&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="width: 9%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font: 24pt Wingdings 2; color: #C00000"><B>O</B></FONT></TD>
    <TD STYLE="width: 33%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph; font-size: 8pt"><FONT STYLE="font-size: 8pt">The written charter uses boilerplate language that is not specific to the Company.</FONT></TD></TR>
<TR>
    <TD COLSPAN="4" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: left; text-justify: inter-ideograph; font-size: 8pt"><FONT STYLE="font-size: 8pt"><B>3.&nbsp;&nbsp;Responsibilities</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph; font-size: 8pt"><FONT STYLE="font-size: 8pt">The compensation committee&#8217;s purpose and responsibilities, at minimum, must be to have direct responsibility to (i) review and approve corporate goals and objectives relevant to CEO compensation, evaluate the CEO&#8217;s performance in light of those goals and objectives and, either as a committee or together with the other independent directors (as directed by the board), determine and approve the CEO&#8217;s compensation level based on this evaluation, (ii) make recommendations to the board with respect to non-CEO executive officer compensation, and incentive-compensation and equity-based plans that are subject to board approval and (iii) produce a compensation committee report on executive officer compensation as required by the SEC (NYSE 303A.05).</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph; font-size: 8pt"><FONT STYLE="font-size: 8pt">The compensation committee should be responsible for: (i) reviewing and approving corporate goals and objectives relevant to CEO compensation and performance; (ii) making recommendations to the board in respect of non-CEO officer and director compensation; and (iii) reviewing of executive compensation disclosure before public disclosure (s. 3.17 of NP 58-201).</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: center; text-justify: inter-ideograph; font-size: 8pt">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">While the committee charter contains boilerplate
        language which covers many of these elements, when analyzing the functioning of the committee in the light of executive compensation
        disclosure and practices, it is clear that the committee is deficient as compensation decisions appear to be discretionary and
        arbitrary.</P>
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">Please see section V below for a detailed
        discussion of these issues.</P>
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify"><B>&nbsp;</B></P></TD></TR>
<TR>
    <TD COLSPAN="4" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph; font-size: 8pt"><FONT STYLE="font-size: 8pt"><B>4.&nbsp;&nbsp;Authority to Engage External Advisor</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph; font-size: 8pt"><FONT STYLE="font-size: 8pt">If a compensation consultant is to assist in the evaluation of director, CEO or executive officer compensation, the charter should give the compensation committee sole authority to retain and terminate the consulting firm, including sole authority to approve the firm&#8217;s fees and other retention terms (NYSE 303A.05). </FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph; font-size: 8pt"><FONT STYLE="font-size: 8pt">The compensation committee should be given the authority to engage and compensate any outside advisor that it determines to be necessary to permit it to carry out its duties (s. 3.16 of NP 58-201).</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font-size: 14pt"><B>&#9644;</B></FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph; font-size: 8pt"><FONT STYLE="font-size: 8pt">The compensation committee charter confers their authority but there is no indication as to whether any independent consultant was ever engaged.</FONT></TD></TR>
</TABLE>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0"></P>

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<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Book Antiqua, Times, Serif; border-top: Black 1pt solid">
<TR>
    <TD COLSPAN="4" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: left; text-justify: inter-ideograph; font-size: 8pt"><FONT STYLE="font-size: 8pt"><B>5.&nbsp;&nbsp;Compensation Decision Making</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph; font-size: 8pt; width: 28%"><FONT STYLE="font-size: 8pt">In determining the long-term incentive component of CEO compensation, the compensation committee should consider the company&#8217;s performance and relative shareholder return, the value of similar incentive awards to CEOs at comparable companies, and the awards given to the CEO in past years. Nothing in the NYSE rules preclude discussion of CEO compensation with the board generally (NYSE 303A.05). </FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph; font-size: 8pt; width: 30%">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt; width: 9%"><FONT STYLE="font: 24pt Wingdings 2; color: #C00000"><B>O</B></FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph; font-size: 8pt; width: 33%"><FONT STYLE="font-size: 8pt">Performance incentives focus on short-term profitability (pg. 22) and there is no clear indication of any peer group benchmarking and no correlation to relative shareholder return.&nbsp;&nbsp;In fact, the MFC 2013 Circular and the MFC 2012 Circular state that the Company does not view stock price as an indicator of performance with no discussion of what other factors are considered and measured as an indicator of performance and to benchmark incentive compensation.</FONT></TD></TR>
<TR STYLE="background-color: #DFDFDF">
    <TD COLSPAN="4" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: left; text-justify: inter-ideograph; font-size: 8pt"><FONT STYLE="font-size: 8pt"><B>C. Risk Committee</B></FONT></TD></TR>
</TABLE>



<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Book Antiqua, Times, Serif">
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="border: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph; font-size: 8pt"><FONT STYLE="font-size: 8pt">A risk committee is not currently required by SEC, NYSE or CSA rules. However, it may not be appropriate for the audit committee to be the only body responsible for risk oversight. Thus many companies are adopting or standalone committee with a specific mandate.</FONT></TD>
    <TD STYLE="border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font: 24pt Wingdings 2; color: #C00000"><B>O</B></FONT></TD>
    <TD STYLE="border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph; font-size: 8pt"><FONT STYLE="font-size: 8pt">The Company does not have a risk committee nor do the charters for the board or audit committee include any robust risk mandates. </FONT></TD></TR>
<TR>
    <TD COLSPAN="4" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: left; text-justify: inter-ideograph; font-size: 8pt"><FONT STYLE="font-size: 8pt"><B>1.&nbsp;&nbsp;Risk Practices</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 28%; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph; font-size: 8pt"><FONT STYLE="font-size: 8pt">Whether spearheaded by the audit committee or a separate risk committee, some risk practices include: (i) performing periodic self-assessment and evaluation reviews of the board, its committees and senior officers; (ii) considering periodically whether compliance systems, compensation decisions and other corporate policies and procedures align with the desired risk assessment models and goals of the company; (iii) reviewing banking and investment relationships for any risks; (iv) reviewing all counter-party risks of financial trouble; and (v) reviewing exchange rates, hedging contracts, and insurance policies. </FONT></TD>
    <TD STYLE="width: 30%; border-bottom: windowtext 1pt solid; border-right: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph; font-size: 8pt">&nbsp;</TD>
    <TD STYLE="width: 9%; border-bottom: windowtext 1pt solid; border-right: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font: 24pt Wingdings 2; color: #C00000"><B>O</B></FONT></TD>
    <TD STYLE="width: 33%; border-bottom: windowtext 1pt solid; border-right: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph; font-size: 8pt"><FONT STYLE="font-size: 8pt">The disclosure documents do not provide a discussion regarding the Company&#8217;s risk practices.&nbsp;&nbsp;Self-assessments are not conducted.</FONT></TD></TR>
<TR STYLE="background-color: #DFDFDF">
    <TD COLSPAN="4" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: left; text-justify: inter-ideograph; font-size: 8pt"><FONT STYLE="font-size: 8pt"><B>D. Disclosure Committee</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">While a disclosure committee is not specifically
        prescribed, many companies have formed a disclosure committee of appropriate officers to maintain a formal process to assure that
        the company has effective disclosure controls and procedures.</P>
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">A disclosure committee, if formed, should
        consider developing a form of committee report that could be delivered to the CEO and CFO for each material filing and/or a committee
        charter outlining the general purpose of the committee.</P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph; font-size: 8pt"><FONT STYLE="font-size: 8pt">CSA recommends establishing a committee of company personnel or assigning a senior officer responsible for: (i) developing and implementing the company&#8217;s disclosure policy; (ii) monitoring the effectiveness of and compliance with the disclosure policy; (iii) educating directors, officer and certain employees about disclosure issues and the disclosure policy; (iv) reviewing and authorizing disclosure in advance of its public release; and (v) monitoring the company&#8217;s website (s. 6.3 of NP 51-201) .&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font: 24pt Wingdings 2; color: #C00000"><B>O</B></FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph; font-size: 8pt"><FONT STYLE="font-size: 8pt">There is no indication that the Company has a disclosure committee. </FONT></TD></TR>
</TABLE>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0"></P>

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<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Book Antiqua, Times, Serif; border-top: Black 1pt solid">
<TR STYLE="background-color: #D99594">
    <TD COLSPAN="4" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: left; text-justify: inter-ideograph; font-size: 8pt"><FONT STYLE="font-size: 8pt; text-transform: uppercase"><B>III. Audit Committee</B></FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: #DFDFDF">
    <TD COLSPAN="4" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding: 12pt 5.4pt 6pt; font-weight: bold; text-align: left; font-size: 8pt; text-decoration: underline"><FONT STYLE="font-size: 8pt; font-weight: normal">A. Composition, Organization and Structure</FONT></TD></TR>
<TR>
    <TD COLSPAN="4" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: left; text-justify: inter-ideograph; font-size: 8pt"><FONT STYLE="font-size: 8pt"><B>1. Independence and Financial Literacy</B></FONT></TD></TR>
</TABLE>



<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Book Antiqua, Times, Serif">
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    <TD STYLE="width: 29%; border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">A listed company must have an audit committee
        of at least three members, each of whom must: (i) be independent; (ii) be financially literate, as such qualification is interpreted
        by the listed company&#8217;s board in its business judgment; and (iii) meets the requirements in Rule 10A-3 (subject to any applicable
        exemptions therein), which generally prohibits receipt of defined compensation by the director (except for board/committee service)
        or designated family members or by designated entities with which the director is associated.</P>
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">In addition, at least one member must have
        &#8220;accounting or related financial management expertise,&#8221; as the board interprets such qualification in its business
        judgment.</P>
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">The NYSE and SEC do not require the committee
        to include a member who is an &#8220;audit committee financial expert&#8221; (as defined in Item 407(d)(5)(ii) of Regulation S-K).
        However, most boards appoint at least one audit committee financial expert. The board may presume that such a person has &#8220;accounting
        or related financial management expertise&#8221; as discussed above.</P></TD>
    <TD STYLE="width: 32%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">Every issuer must have an audit committee
        that complies with the requirements of NI 52-110 (s. 2.1 of NI 52-110).</P>
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">An audit committee must be composed of a
        minimum of three members (s. 3.1(1) of NI 52-110).</P>
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">Every audit committee member must be a director
        of the issuer (s. 3.1(2) of NI 52-110).</P>
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">Every audit committee member must be independent
        (s. 3.1(3) of NI52-110).</P>
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">Every audit committee member must be financially
        literate (s. 3.1(4) of NI 52-110).</P>
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify"><B><I>&nbsp;</I></B></P></TD>
    <TD STYLE="width: 9%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font-size: 14pt"><B>&#9644;</B></FONT></TD>
    <TD STYLE="width: 30%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">It is arguable that the composition of the
        audit committee impairs its effectiveness.</P>
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">While the MFC 2013 Circular and the MFC
        2012 Circular indicate that all members are independent and financially literate, there is a lack of meaningful discussion to objectively
        determine this. Further, the four members of the audit committee also comprise the compensation and the nominating committee.</P></TD></TR>
<TR>
    <TD COLSPAN="4" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: left; text-justify: inter-ideograph; font-size: 8pt"><FONT STYLE="font-size: 8pt"><B>2. Written Charter</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph; font-size: 8pt"><FONT STYLE="font-size: 8pt">An audit committee must have a written charter that addresses: (i) the committee&#8217;s purpose; (ii) an annual performance evaluation of the audit committee; and (iii) the duties and responsibilities of the audit committee (NYSE 303A.07). </FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph; font-size: 8pt"><FONT STYLE="font-size: 8pt">&nbsp;An audit committee must have a written charter that sets out its mandate and responsibilities (s. 2.3(1) of NI 52-110). </FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font-size: 14pt"><B>&#9644;</B></FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph; font-size: 8pt"><FONT STYLE="font-size: 8pt">While the charter complies with most recommended elements there is no indication that it has been tailored to the specific circumstances of the Company.&nbsp;&nbsp;The independence standard in the charter set out in the MFC 2012 Circular made reference to NASDAQ rules while the Company had migrated to the NYSE. There was also no indication of an annual performance evaluation of the audit committee.</FONT></TD></TR>
</TABLE>

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    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; border-top: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-size: 8pt"><B>3. Responsibilities</B></FONT></TD>
    <TD COLSPAN="2" STYLE="padding-right: 5.4pt; padding-left: 5.4pt; border-top: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt; border-top: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; border-top: Black 1pt solid; border-right: Black 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">The duties and responsibilities of the audit
        committee, at minimum, must include responsibilities set forth in SEC Rule 10A-3(b), including in general: (i) be directly responsible
        for the appointment, compensation, retention, and oversight of the work of any registered public accounting firm engaged to prepare
        an audit report or perform similar services; and (ii) establish procedures for the receipt, retention, and treatment of complaints
        received by the listed issuer regarding accounting, internal accounting controls, or auditing matters, including confidential submissions
        regarding questionable accounting or auditing matters.</P>
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">An audit committee must discuss policies
        with respect to risk assessment and risk management.</P>
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">The audit committee must maintain an &#8220;internal
        audit function&#8221; to provide management and the audit committee with ongoing assessments of the company&#8217;s risk management
        processes and system of internal control.</P>
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">An audit committee must set clear hiring
        policies for employees or former employees of the independent auditors (NYSE 303A.07).</P>
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">The NYSE recommends that the audit committee
        (or another comparable body) review and evaluate all related party transactions on an ongoing basis (NYSE 314.00).</P></TD>
    <TD COLSPAN="2" STYLE="border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">An audit committee must establish procedures
        for receipt, retention and treatment of complaints regarding accounting, internal control and auditing matters, including confidential
        submissions regarding questionable accounting or auditing matters (s. 2.3(7) of NI 52-110).</P>
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">An audit committee must recommend nomination
        and compensation of the external auditor to the board of directors (s. 2.3(2) of NI 52-110).</P>
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">An audit committee must review and approve
        auditor hiring policies (s. 2.3(8) of NI 52-110).</P>
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">&nbsp;</P>
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">&nbsp;</P>
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify"><B>&nbsp;</B></P>
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">&nbsp;</P>
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify"><B>&nbsp;</B></P>
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">&nbsp;</P>
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify"><B><BR>
        <BR>
        <BR>
        </B></P></TD>
    <TD STYLE="border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font: 24pt Wingdings 2; color: #C00000"><B>O</B></FONT></TD>
    <TD STYLE="border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">Up until the filing of the MFC 2012 Circular,
        the audit committee only disclosed the establishment of procedures for the receipt, retention, and treatment of complaints from
        employees and not from external sources as required under s. 2.3(7) of NI 52-110. While boilerplate language was added in the MFC
        2013 Circular to address such whistleblowing procedures, no details regarding such procedures or any corresponding policy have
        been provided.</P>
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">Up until the filing of the MFC 2012 Circular,
        the audit committee did not discuss policies with respect to risk assessment and risk management.</P>
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">Up until the filing of the MFC 2012 Circular,
        there was no disclosure or discussion with respect to auditor hiring policies. The Company has, again, recently changed its auditor
        on September 23, 2013 with no discussion of whether or how such change complies with its auditor hiring policies.</P>
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">There is no disclosure or discussion with
        respect to policies on related party transactions.</P></TD></TR>
<TR>
    <TD COLSPAN="5" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: left; text-justify: inter-ideograph; font-size: 8pt"><FONT STYLE="font-size: 8pt"><B>4. Authority to Engage External Advisor</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph; font-size: 8pt"><FONT STYLE="font-size: 8pt">An audit committee must have the authority to engage independent counsel and other advisors, as it determines necessary to carry out its duties (SEC Rule 10A-3(b)). </FONT></TD>
    <TD COLSPAN="2" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph; font-size: 8pt"><FONT STYLE="font-size: 8pt">An audit committee must have the authority to set and pay the compensation for any advisors employed by the audit committee (s. 4.1(b) of NI 52-110).</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font: 16pt Wingdings"><B>&uuml;</B></FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph; font-size: 8pt"><FONT STYLE="font-size: 8pt">Based on provisions of the audit committee charter.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph; font-size: 8pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph; font-size: 8pt"><FONT STYLE="font-size: 8pt">An audit committee must have the authority to communicate directly with the internal and external auditors (s. 4.1(c) of NI 52-110).</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font: 16pt Wingdings"><B>&uuml;</B></FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph; font-size: 8pt"><FONT STYLE="font-size: 8pt">Based on provisions of the audit committee charter.</FONT></TD></TR>
<TR STYLE="background-color: #D99594">
    <TD COLSPAN="5" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: left; text-justify: inter-ideograph; font-size: 8pt"><FONT STYLE="font-size: 8pt; text-transform: uppercase"><B>IV. Governance Policies and Procedures</B></FONT></TD></TR>
<TR STYLE="background-color: #DFDFDF">
    <TD COLSPAN="5" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: left; text-justify: inter-ideograph; font-size: 8pt"><FONT STYLE="font-size: 8pt"><B>A. Code of Ethics</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0; text-align: left">The NYSE requires each listed company to adopt and
        disclose a code of business conduct and ethics that applies to all directors, officers, and employees.</P>
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0; text-align: left">Each company may determine its own policies, but all
        companies should address the most important topics, including: (i) conflicts of interest; (ii) corporate opportunities; (iii) confidentiality;
        (iv) fair dealing; (v) protection and proper use of corporate assets; (vi) compliance with laws, rules and regulations; and (vii)
        encouraging the reporting of any illegal or unethical behavior (NYSE 303A.10).</P>
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0; text-align: left">&nbsp;</P>
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: left">As a general matter, the code needs to be adopted
        on a global basis by the company and its controlled subsidiaries.</P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph; font-size: 8pt"><FONT STYLE="font-size: 8pt">The board should adopt a written code of business conduct and ethics. The code should address the following issues: (i) conflicts of interest; (ii) protection of corporate assets; (iii) confidentiality of corporate information; (iv) fair dealing with security holder and others; (v) compliance with laws; (vi) reporting of illegal or unethical behavior (which can be done in the code or through a whistleblower policy); and (vii) disclosure of departures from the code (s. 3.8 of NP 58-201). </FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font-size: 14pt"><B>&#9644;</B></FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">The Code of Ethics adopted in 2006 only
        applied to Senior Executive Officers and Senior Financial Officers and did not apply to directors. It was also deficient and did
        not provide the following information: (i) protection of corporate assets; and (ii) fair dealing with security holders and others.</P>
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">The Code of Ethics that includes employees
        was only recently adopted by the board on October 26, 2013.</P>
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">&nbsp;</P>
        <P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">&nbsp;</P></TD></TR>
<TR STYLE="background-color: #DFDFDF">
    <TD COLSPAN="5" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: left; text-justify: inter-ideograph; font-size: 8pt"><FONT STYLE="font-size: 8pt"><B>B. Whistleblowing Policy/Procedures</B></FONT></TD></TR>
</TABLE>



<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Book Antiqua, Times, Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 30%; border: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph; font-size: 8pt"><FONT STYLE="font-size: 8pt">The duties and responsibilities of the audit committee must include, among others, establishing procedures for the receipt, retention, and treatment of complaints received by the listed issuer regarding accounting, internal accounting controls, or auditing matters, including confidential submissions regarding questionable accounting or auditing matters (SEC Rule 10A-3(b)).</FONT></TD>
    <TD STYLE="width: 29%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">An audit committee must establish procedures
        for receipt, retention and treatment of complaints regarding accounting, internal control and auditing matters, including confidential
        submissions regarding questionable accounting or auditing matters (s. 2.3(7) of NI 52-110).</P>
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify"><B>&nbsp;</B></P></TD>
    <TD STYLE="width: 9%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font: 24pt Wingdings 2; color: #C00000"><B>O</B></FONT></TD>
    <TD STYLE="width: 32%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph; font-size: 8pt"><FONT STYLE="font-size: 8pt">Up until the filing of the MFC 2012 Circular, the audit committee had only established procedures for the receipt, retention, and treatment of complaints from employees and not from external sources as required under s. 2.3(7) of NI 52-110. As discussed above, while boilerplate language was added in the MFC 2013 Circular to address such whistleblowing procedures, no details regarding such procedures or any corresponding policy are provided. </FONT></TD></TR>
<TR STYLE="background-color: #DFDFDF">
    <TD COLSPAN="4" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: left; text-justify: inter-ideograph; font-size: 8pt"><FONT STYLE="font-size: 8pt"><B>C. Disclosure Policy and Controls</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">SEC Rule 13a-15 requires the company to
        maintain effective disclosure controls and procedures.</P>
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">The CEO and CFO must certify to this effect
        in Form 10-Q and Form 10-K filings. The company is required to establish procedures for obtaining these CEO and CFO certifications.</P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">NI 52-109 requires that the company must
        maintain effective disclosure controls and procedures, provide interim and annual <FONT STYLE="color: windowtext">CEO and</FONT>
        CFO <FONT STYLE="color: windowtext">certifications</FONT> and provide corresponding disclosure in <FONT STYLE="color: windowtext">interim</FONT>
        and annual MD&amp;A.<BR>
        <BR>
        </P>
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">&nbsp;</P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font-size: 14pt"><B>&#9644;</B></FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph; font-size: 8pt"><FONT STYLE="font-size: 8pt">CEO and CFO certifications are filed as required. However, the purpose for having two separate certificates is effectively frustrated since the CEO and CFO have been the same individual for over three years, which is further exacerbated by the fact that such individual also serves as the Chairman of the Board. The Company does not disclose its disclosure policy and it is uncertain as to whether the Company has such a policy in place.&nbsp;&nbsp;Provisions relating to disclosure were only recently added to the new Code of Ethics adopted on October 26, 2013. </FONT></TD></TR>
<TR STYLE="background-color: #DFDFDF">
    <TD COLSPAN="4" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: left; text-justify: inter-ideograph; font-size: 8pt"><FONT STYLE="font-size: 8pt"><B>D. Insider Trading Policy</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph; font-size: 8pt"><FONT STYLE="font-size: 8pt">Publicly traded companies should have a written insider trading policy that (i) requires executive officers and directors (and major shareholders if affiliated with individual management) to provide advance notice, or obtain advance consent, to engage in transactions in the company&#8217;s stock, (ii) states the company policy prohibiting stock transactions if any individual is aware of material non-public information, (iii) defines the open and closed trading windows during which directors, officers and other defined groups may and may not trade in company shares and (iv) contains related provisions customary for these policies (SEC Exchange Act Section 10(b), Rule 10b-5). </FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph; font-size: 8pt">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font-size: 14pt"><B>&#9644;</B></FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">It was uncertain as to whether the Company
        had an insider trading policy in place until the very recent adoption and disclosure of a written Code of Business Conduct and
        Ethics and Insider Trading Policy on October 26, 2013.</P>
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">The Company does not adequately disclose
        its anti-hedging/pledging/speculative investments policy as required under Form 51-102 F6 and it is uncertain as to whether the
        Company has such a policy.</P>
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">In the MFC 2013 Circular, the Company acknowledges
        that it does not have any formal policy with respect to the purchase by a director or officer of financial instruments. As such,
        the Company does not prohibit its directors and officers from hedging Company shares, which is considered by ISS, in its 2014 Canadian
        Corporate Governance Policy Updates, to be a &#8220;material risk oversight failure&#8221;.</P></TD></TR>
<TR STYLE="background-color: #DFDFDF">
    <TD COLSPAN="4" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: left; text-justify: inter-ideograph; font-size: 8pt"><FONT STYLE="font-size: 8pt"><B>E. Regulation FD Policy</B></FONT></TD></TR>
</TABLE>

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<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Book Antiqua, Times, Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 30%; border: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph; font-size: 8pt"><FONT STYLE="font-size: 8pt">Publicly traded companies should have a written policy concerning selective disclosure of information, communications to analysts and shareholders, and coordination of investor relations policies with FD requirements (SEC Regulation FD). </FONT></TD>
    <TD STYLE="width: 29%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph; font-size: 8pt"><FONT STYLE="font-size: 8pt">NP 51-201 recommends establishing a written corporate disclosure policy. A disclosure policy should provide a process for disclosure and promote an understanding of legal requirements among directors, officer and employees. The disclosure policy should be practical to implement and should be reviewed, approved, and updated periodically by board of directors and widely distributed to officers and employees. </FONT></TD>
    <TD STYLE="width: 9%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="font-size: 14pt"><B>&#9644;</B></FONT></TD>
    <TD STYLE="width: 32%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph; font-size: 8pt"><FONT STYLE="font-size: 8pt">The Company does not disclose its disclosure policy and it is uncertain as to whether the Company has such a policy in place.</FONT></TD></TR>
</TABLE>
<P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 6pt; text-align: justify">&nbsp;</P>




<P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: center"><B>PART 2: ADDITIONAL ISS RECOMMENDATIONS</B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<TR STYLE="background-color: black">
    <TD COLSPAN="2" STYLE="border: windowtext 1pt solid; font: 8pt Book Antiqua, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; text-justify: inter-ideograph"><FONT STYLE="font-size: 8pt"><B>ISS Recommendations</B></FONT></TD>
    <TD STYLE="border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; font: 8pt Book Antiqua, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; text-justify: inter-ideograph"><FONT STYLE="font-size: 8pt"><B>Rating</B></FONT></TD>
    <TD STYLE="border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; font: 8pt Book Antiqua, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; text-justify: inter-ideograph"><FONT STYLE="font-size: 8pt"><B>Comments</B></FONT></TD></TR>
<TR STYLE="background-color: #D99594">
    <TD COLSPAN="4" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; font: 8pt Book Antiqua, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: left; text-justify: inter-ideograph"><FONT STYLE="font-size: 8pt; text-transform: uppercase"><B>V. Compensation</B></FONT></TD></TR>
<TR STYLE="background-color: #D9D9D9">
    <TD COLSPAN="4" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; font: 8pt Book Antiqua, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: left; text-justify: inter-ideograph"><FONT STYLE="font-size: 8pt"><B>A. Executive Compensation</B></FONT></TD></TR>
<TR>
    <TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 8pt Book Antiqua, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: left; text-justify: inter-ideograph"><FONT STYLE="font-size: 8pt"><B>1. Executive Pay Evaluation</B></FONT></TD>
    <TD COLSPAN="3" STYLE="border-bottom: windowtext 1pt solid; font: 10pt Book Antiqua, Times, Serif; text-align: justify; text-justify: inter-ideograph">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">ISS outlines five global principles that
        most investors expect corporations to adhere to in designing and administering executive and director compensation programs. The
        five global principles are as follows:</P>
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">(i) maintain appropriate pay-for-performance
        alignment, with emphasis on long-term shareholder value;</P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; font: 10pt Book Antiqua, Times, Serif; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: center; text-justify: inter-ideograph"><FONT STYLE="font: 24pt Wingdings 2; color: #C00000"><B>O</B></FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">Performance incentives focus on short-term
        profitability (pg. 22).</P>
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">The Company does not have an appropriate
        pay-for-performance alignment. The total executive compensation has increased year to year whereas the share price has decreased
        year to year. The MFC 2013 Circular and the MFC 2012 Circular state that the compensation committee does not consider the price
        of the common shares to be a strong indicator of performance but does not provide other indicators of performance.</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; font: 8pt Book Antiqua, Times, Serif; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph"><FONT STYLE="font-size: 8pt">(ii) avoid arrangements that risk &#8220;pay for failure&#8221;;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; font: 10pt Book Antiqua, Times, Serif; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: center; text-justify: inter-ideograph"><FONT STYLE="font: 24pt Wingdings 2; color: #C00000"><B>O</B></FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify"><I>Option-based Awards</I><B>:</B></P>
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">All the options to executives were issued
        on the same day, at the same exercise price without any vesting schedule or deferral period. It is a best practice to spread option
        grants throughout the year in order to normalize fluctuations in stock price and demonstrate that the option grants are not susceptible
        to manipulation and to provide vesting periods.</P>
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">There is no discussion as to why such grants
        were made on the same day. Notably, based on the disclosed &#8220;grant date fair value&#8221;, Mr. Smith&#8217;s option grant
        amounts to a very significant component of his total compensation for 2011. There is also no disclosure on Mr. Smith&#8217;s non-participation
        in the decision to authorize such grant.</P>
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify"><I>Golden Parachute</I>:</P>
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">The Company has excessive termination and
        change of control provisions as discussed in detail below.</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; font: 8pt Book Antiqua, Times, Serif; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph"><FONT STYLE="font-size: 8pt">(iii) maintain independent and effective compensation committee;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; font: 10pt Book Antiqua, Times, Serif; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: center; text-justify: inter-ideograph"><FONT STYLE="font: 24pt Wingdings 2; color: #C00000"><B>O</B></FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; font: 8pt Book Antiqua, Times, Serif; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph"><FONT STYLE="font-size: 8pt">Please see the &#8220;Compensation Committee&#8221; section above. </FONT></TD></TR>
<TR>
    <TD STYLE="width: 32%">&nbsp;</TD>
    <TD STYLE="width: 17%">&nbsp;</TD>
    <TD STYLE="width: 9%">&nbsp;</TD>
    <TD STYLE="width: 42%">&nbsp;</TD></TR>
</TABLE>
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<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 49%; border: windowtext 1pt solid; font: 8pt Book Antiqua, Times, Serif; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph"><FONT STYLE="font-size: 8pt">(iv) provide shareholders with clear, comprehensive compensation disclosures; and</FONT></TD>
    <TD STYLE="width: 9%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; font: 10pt Book Antiqua, Times, Serif; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: center; text-justify: inter-ideograph"><FONT STYLE="font: 24pt Wingdings 2; color: #C00000"><B>O</B></FONT></TD>
    <TD STYLE="width: 42%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">The Company does not provide clear and comprehensive
        compensation disclosure. For example, the MFC 2013 Circular states that the Company&#8217;s executive compensation levels are &#8220;generally
        lower than compensation paid by its peer group&#8221; without disclosure as to which companies constitute the &#8220;peer group&#8221;
        (pg. 7). Further, the indication that the board uses an external benchmark to determine executive compensation through the use
        of a &#8220;peer group&#8221; is contradicted by the statement that &#8220;base salaries are benchmarked internally&#8221; (pg.
        22). In addition, the MFC 2012 Circular stated that annual performance incentives are granted upon satisfaction of certain &#8220;discretionary
        performance targets&#8221; without providing any information as to what these targets were. The MFC 2013 Circular states that cash
        bonuses are discretionary with no connection to any targets but states further that incentive targets are reviewed periodically
        to ensure market competitiveness with no discussion as to what those targets are (pg. 22).</P>
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">There are numerous instances that demonstrate
        arbitrary or discretionary decisions with respect to incentive compensation grants. For example, very few qualitative factors and
        no quantitative targets or other indicators are provided. There is also no discussion of whether a particular executive satisfied
        any pre-determined targets or how that may have been factored into the grant of incentive awards.</P>
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">For example: (i) in 2012, Michael J. Smith,
        Ravin Prakash, Prashant Sahu, Rolan Schulien and Ernest Alders were all granted cash-bonuses in the amounts of $93,800, $149,428,
        $149,428, $10,284, $13,121 respectively, without disclosure as to the criteria for such grants; (ii) in 2011, Michael J. Smith,
        Ravin Prakash, Prashant Sahu, and Roland Schulien were all granted cash-bonuses in the amounts of $133,794, $228,795, $230,020,
        $5,568 respectively, without disclosure as to the criteria for such grants (with Mr. Sahu&#8217;s incentive award being greater
        than 100% of his annual salary in 2012 and greater than 200% of his annual salary in 2011); and (ii) in 2009, Michael J. Smith
        was granted $164,398 as &#8220;other compensation&#8221; without disclosure as to why it was granted. Please see &#8220;Summary
        Compensation Table&#8221; in the MFC 2013 Circular and in the MFC 2012 Circular for other additional examples.</P></TD></TR>
</TABLE>
<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">&nbsp;</P>


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<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="border: windowtext 1pt solid; font: 8pt Book Antiqua, Times, Serif; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph"><FONT STYLE="font-size: 8pt">(v) avoid inappropriate pay to non-executive directors.</FONT></TD>
    <TD STYLE="border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; font: 10pt Book Antiqua, Times, Serif; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: center; text-justify: inter-ideograph"><FONT STYLE="font: 24pt Wingdings 2; color: #C00000"><B>O</B></FONT></TD>
    <TD COLSPAN="2" STYLE="border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">All options to directors were granted on
        the same day, at the same exercise price without any vesting schedule or deferral period.</P>
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">It is uncertain whether non-executive directors&#8217;
        fees are in line with market best practices.</P></TD></TR>
<TR>
    <TD COLSPAN="3" STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 8pt Book Antiqua, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: left; text-justify: inter-ideograph"><FONT STYLE="font-size: 8pt"><B>2. Equity-Based and Other Incentive Plans</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Book Antiqua, Times, Serif; text-align: justify; text-justify: inter-ideograph; border-right: Black 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; font: 8pt Book Antiqua, Times, Serif; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph"><FONT STYLE="font-size: 8pt">Vote against the equity plan if any of the following factors apply: (i) the total cost of the company&#8217;s equity plans is unreasonable; (ii) the plan expressly permits re-pricing; (iii) a pay-for-performance misalignment is found; (iv) the company&#8217;s three year burn rate exceeds the burn rate cap of its industry group; (v) the plan has a liberal change-of-control definition; or (vi) the plan is a vehicle for problematic pay practices. </FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; font: 10pt Book Antiqua, Times, Serif; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: center; text-justify: inter-ideograph"><FONT STYLE="font: 24pt Wingdings 2; color: #C00000"><B>O</B></FONT></TD>
    <TD COLSPAN="2" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; font: 8pt Book Antiqua, Times, Serif; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph"><FONT STYLE="font-size: 8pt">Pay-for-performance is not aligned, no factors are provided (qualitative or quantitative) and the plan has a liberal change-of-control definition.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; font: 8pt Book Antiqua, Times, Serif; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph"><FONT STYLE="font-size: 8pt">Many publicly traded companies implement stock ownership and retention guidelines for directors and executive officers (or at least NEOs).</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; font: 10pt Book Antiqua, Times, Serif; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: center; text-justify: inter-ideograph"><FONT STYLE="font: 24pt Wingdings 2; color: #C00000"><B>O</B></FONT></TD>
    <TD COLSPAN="2" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; font: 8pt Book Antiqua, Times, Serif; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph"><FONT STYLE="font-size: 8pt">The Company does not disclose any stock ownership and retention guidelines for directors and executive officers but rather discloses that &#8220;it does not have any formal policy respecting the purchase by an NEO or a director of financial instruments (pg. 23).&#8221;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; font: 8pt Book Antiqua, Times, Serif; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph"><FONT STYLE="font-size: 8pt">Equity incentive awards for directors should be clearly defined and reasonable, including having an objective formula to avoid discretionary awards.</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; font: 10pt Book Antiqua, Times, Serif; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: center; text-justify: inter-ideograph"><FONT STYLE="font: 24pt Wingdings 2; color: #C00000"><B>O</B></FONT></TD>
    <TD COLSPAN="2" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; font: 8pt Book Antiqua, Times, Serif"><FONT STYLE="font-size: 8pt">There is no disclosure regarding the policies or formulae upon which director awards are granted.</FONT></TD></TR>
<TR STYLE="background-color: #DFDFDF">
    <TD COLSPAN="4" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; font: 8pt Book Antiqua, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: left; text-justify: inter-ideograph"><FONT STYLE="font-size: 8pt"><B>B. Termination/Change of Control Provisions</B></FONT></TD></TR>
<TR>
    <TD COLSPAN="4" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; font: 8pt Book Antiqua, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: left; text-justify: inter-ideograph"><FONT STYLE="font-size: 8pt"><B>Golden Parachutes in an Acquisition, Merger, Consolidation, or Proposed Sale</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">Features that ISS suggests may result in
        an against recommendation include one or more the following, depending on the number, magnitude, and/or timing of issue(s): (i)
        <U>single- or modified &#8211;single-trigger cash severance</U>; (ii) <U>single-trigger acceleration of unvested equity awards</U>;
        (iii) excessive cash severance (&gt;3x base salary and bonus); (iv) excise tax gross-ups triggered and payable (as opposed to a
        provision to provide excise tax gross-ups); (v) excessive golden parachute payments (on an absolute basis or as a percentage of
        transaction equity value); (vi) recent amendments that incorporate any problematic features (such as those above) or recent actions
        (such as extraordinary equity grants) that may make packages so attractive as to influence merger agreements that may not be in
        the best interests of the shareholders; or (vii) the company&#8217;s assertion that a proposed transaction is conditioned on shareholder
        approval of the golden parachute advisory note.</P>
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">Recent amendment(s) that incorporate problematic
        features should carry more weight on the overall analysis. However, the presence of multiple legacy problematic features will also
        be closely scrutinized.</P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; font: 10pt Book Antiqua, Times, Serif; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: center; text-justify: inter-ideograph"><FONT STYLE="font: 24pt Wingdings 2; color: #C00000"><B>O</B></FONT></TD>
    <TD COLSPAN="2" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">The Company has a liberal definition of
        change in control. Please see pages 9-10 of the &#8220;equity incentive plan.&#8221;</P>
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">The Company has a single-trigger acceleration
        of unvested equity awards contingent on change of control.</P>
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">Mr. Smith effectively has a 365 day put
        option (with no downside risk) to sell all or a portion of his common shares to the Company upon a change of control, at a price
        equal to the average closing market price of the common shares on the NYSE for the ten preceding trading days.</P>
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">The MFC 2013 Circular discloses that this
        proxy solicitation could &#8220;trigger&#8221; change of control provisions in employment agreements with MFC&#8217;s management.</P></TD></TR>
<TR>
    <TD STYLE="width: 57%">&nbsp;</TD>
    <TD STYLE="width: 9%">&nbsp;</TD>
    <TD STYLE="width: 33%">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">&nbsp;</P>


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<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<TR STYLE="background-color: #DFDFDF">
    <TD COLSPAN="4" STYLE="border: windowtext 1pt solid; font: 8pt Book Antiqua, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: left; text-justify: inter-ideograph"><FONT STYLE="font-size: 8pt"><B>C. Say on Pay</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">ISS recommends voting against management
        say-on-pay (&#8220;<B>MSOP</B>&#8221;) if: (i) there is a significant misalignment between CEO pay and company performance; (ii)
        the company maintains significant problematic pay practices; and (iii) the board exhibits a significant level of poor communication
        and responsiveness to shareholders.</P>
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">The SEC&#8217;s new rules specify that say-on-pay
        votes required under the Dodd-Frank Act must occur at least once every three years beginning with the first annual shareholders&#8217;
        meeting taking place on or after Jan 21, 2011. Companies are also required to hold a &#8220;frequency&#8221; vote at least once
        every six years in order to allow shareholders to decide how often they would like to be presented with the say-on-pay vote (Section
        14A of Securities Exchange Act).</P>
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">Vote against or withhold from the members
        of the compensation committee and potentially the full board if: (i) there is no MSOP on the ballot, and an against vote on an
        MSOP is warranted due to pay for performance misalignment, problematic pay practices, or the lack of adequate responsiveness on
        compensation issues raised previously, or a combination thereof; (ii) the board fails to respond adequately to a previous MSOP
        proposal that received less than 70% support of votes cast; (iii) the company has recently practiced or approved problematic pay
        practices, including option repricing or option backdating; or (iv) the situation is egregious.</P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; font: 10pt Book Antiqua, Times, Serif; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: center; text-justify: inter-ideograph"><FONT STYLE="font: 24pt Wingdings 2; color: #C00000"><B>O</B></FONT></TD>
    <TD COLSPAN="2" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; font: 8pt Book Antiqua, Times, Serif; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph"><FONT STYLE="font-size: 8pt">The Company has not adopted any MSOP. </FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; font: 8pt Book Antiqua, Times, Serif; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph"><FONT STYLE="font-size: 8pt">ISS recommends voting against an equity plan on the ballot if: a pay for performance misalignment is found, and a significant portion of the CEO&#8217;s misaligned pay is attributed to non-performance-based equity awards, taking into consideration: (i) magnitude of pay misalignment; (ii) contribution of non-performance-based equity grants to overall pay; and (iii) the proportion of equity awards granted in the last three fiscal years concentrated at the named executive officer level. </FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; font: 10pt Book Antiqua, Times, Serif; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: center; text-justify: inter-ideograph"><FONT STYLE="font: 24pt Wingdings 2; color: #C00000"><B>O</B></FONT></TD>
    <TD COLSPAN="2" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; font: 8pt Book Antiqua, Times, Serif; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph"><FONT STYLE="font-size: 8pt">All of these factors are arguably present.</FONT></TD></TR>
<TR STYLE="background-color: #DFDFDF">
    <TD COLSPAN="4" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; font: 8pt Book Antiqua, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: left; text-justify: inter-ideograph"><FONT STYLE="font-size: 8pt"><B>D. Problematic Pay Practices</B></FONT></TD></TR>
<TR>
    <TD COLSPAN="3" STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 8pt Book Antiqua, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: left; text-justify: inter-ideograph"><FONT STYLE="font-size: 8pt"><B>1. Incentives that May Motivate Excessive Risk-Taking</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Book Antiqua, Times, Serif; text-align: justify; text-justify: inter-ideograph; border-right: Black 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">Some incentives that may motivate excessive
        risk-taking are as follows:</P>
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">(i) multi-year guaranteed bonuses; (ii)
        a single or common performance metric used for short and long-term plans; (iii) lucrative severance packages; (iv) high pay opportunities
        relative to industry peers; (v) disproportionate supplemental pensions; or (vi) mega annual equity grants that provide unlimited
        upside with no downside risk.</P>
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">Factors that potentially mitigate the impact
        of risky incentives include rigorous claw-back provisions and robust stock ownership/holding guidelines.</P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; font: 10pt Book Antiqua, Times, Serif; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: center; text-justify: inter-ideograph"><FONT STYLE="font: 24pt Wingdings 2; color: #C00000"><B>O</B></FONT></TD>
    <TD COLSPAN="2" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">The Company does not disclose and appears
        to not have policies in place that mitigate the impact of risky incentives (e.g. rigorous claw-back provisions and robust stock
        ownership and holding guidelines).</P>
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">There was also a disproportionately large
        stock option grant to Mr. Smith in 2012.</P></TD></TR>
<TR>
    <TD COLSPAN="3" STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 8pt Book Antiqua, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: left; text-justify: inter-ideograph"><FONT STYLE="font-size: 8pt"><B>2. Options Backdating</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Book Antiqua, Times, Serif; text-align: justify; text-justify: inter-ideograph; border-right: Black 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; font: 8pt Book Antiqua, Times, Serif; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph"><FONT STYLE="font-size: 8pt">The following factors should be examined case-by-case to allow for distinctions to be made between &#8220;sloppy&#8221; plan administration versus deliberate action or fraud: (i) reason and motive for the options backdating issue, such as inadvertent vs. deliberate grant date changes; (ii) duration of options backdating; (iii) size of restatement due to options backdating; (iv) corrective actions taken by the board or compensation committee, such as canceling or re-pricing backdated options, the recouping of options gains on backdated grants; and (v) adoption of a grant policy that prohibits backdating, and creates a fixed grant schedule or window period for equity grants in the future. </FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; font: 10pt Book Antiqua, Times, Serif; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: center; text-justify: inter-ideograph"><FONT STYLE="font: 24pt Wingdings 2; color: #C00000"><B>O</B></FONT></TD>
    <TD COLSPAN="2" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">The Company does not disclose and appears
        to have no policies in place that prohibit options backdating.</P>
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">There does not appear to be any fixed grant
        schedule or window.</P></TD></TR>
<TR>
    <TD STYLE="width: 57%">&nbsp;</TD>
    <TD STYLE="width: 9%">&nbsp;</TD>
    <TD STYLE="width: 33%">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">&nbsp;</P>


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    <DIV STYLE="page-break-before: always; margin-top: 6pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
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<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<TR>
    <TD COLSPAN="4" STYLE="border: windowtext 1pt solid; font: 8pt Book Antiqua, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: left; text-justify: inter-ideograph"><FONT STYLE="font-size: 8pt"><B>3. Non-employee Director Participation in Management Equity Compensation Plans.</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; font: 8pt Book Antiqua, Times, Serif; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph"><FONT STYLE="font-size: 8pt">ISS generally recommends a vote against a management equity compensation plan that permits discretionary non-employee director participation where the non-employee director aggregate share reserve under the plan exceeds the ISS established maximum limit of 1 percent of the outstanding common shares; or the equity plan document does not specify an annual individual non-employee director grant limit with a maximum value of (i) $100,000 worth of stock options in the case of a stock option or omnibus plan, or (ii) $150,000 worth of shares in the case of an equity plan that does not grant stock options.</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; font: 24pt Book Antiqua, Times, Serif; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: center; text-justify: inter-ideograph"><FONT STYLE="font: 24pt Wingdings 2; color: #C00000"><B>O</B></FONT></TD>
    <TD COLSPAN="2" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; font: 8pt Book Antiqua, Times, Serif; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph"><FONT STYLE="font-size: 8pt">The Option Plan permits for grants of incentives to directors, officers and key employees, with no differentiation among employee and non-employee directors (pg. 29). There is also no discussion regarding any limits for non-employee directors. </FONT></TD></TR>
<TR STYLE="background-color: #D99594">
    <TD COLSPAN="4" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; font: 8pt Book Antiqua, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: left; text-justify: inter-ideograph"><FONT STYLE="font-size: 8pt; text-transform: uppercase"><B>VI. Shareholder Rights&#8217; Issues</B></FONT></TD></TR>
<TR STYLE="background-color: #DFDFDF">
    <TD COLSPAN="4" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; font: 8pt Book Antiqua, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: left; text-justify: inter-ideograph"><FONT STYLE="font-size: 8pt"><B>A. Proxy Access</B></FONT></TD></TR>
<TR>
    <TD COLSPAN="3" STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 8pt Book Antiqua, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: left; text-justify: inter-ideograph"><FONT STYLE="font-size: 8pt"><B>1. Majority Voting</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Book Antiqua, Times, Serif; text-align: justify; text-justify: inter-ideograph; border-right: Black 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; font: 8pt Book Antiqua, Times, Serif; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph"><FONT STYLE="font-size: 8pt">ISS recommends voting in favour of any proposal submitted to a shareholder vote that would adopt majority voting in uncontested elections.&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; font: 10pt Book Antiqua, Times, Serif; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: center; text-justify: inter-ideograph"><FONT STYLE="font: 24pt Wingdings 2; color: #C00000"><B>O</B></FONT></TD>
    <TD COLSPAN="2" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; font: 8pt Book Antiqua, Times, Serif; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph"><FONT STYLE="font-size: 8pt">The Company does not have a majority voting policy. </FONT></TD></TR>
<TR>
    <TD COLSPAN="4" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; font: 8pt Book Antiqua, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph"><FONT STYLE="font-size: 8pt"><B>2. Casting or Tie-Breaking Vote for Chairman</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; font: 8pt Book Antiqua, Times, Serif; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph"><FONT STYLE="font-size: 8pt">ISS provides that the ability of the chairman to have a second or casting vote on tie votes at board meetings is a questionable practice. Granting the chair a second vote on contentious issues that result in a deadlock board can lead to conflicts of interest and potential inequality among directors. </FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; font: 10pt Book Antiqua, Times, Serif; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: center; text-justify: inter-ideograph"><FONT STYLE="font: 24pt Wingdings 2; color: #C00000"><B>O</B></FONT></TD>
    <TD COLSPAN="2" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">MFC&#8217;s articles provide for a casting,
        or tie-breaking, vote to the Chair at shareholders&#8217; meetings.</P>
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">&nbsp;</P></TD></TR>
<TR>
    <TD COLSPAN="4" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; font: 8pt Book Antiqua, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph"><FONT STYLE="font-size: 8pt"><B>3. Proxy Contests - Voting for Director Nominees in Contested Elections</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 10pt; text-align: justify">ISS recommends voting case-by-case on the
        election of directors in contested elections, considering the following factors: (i) long-term financial performance of the target
        company relative to its industry; (ii) management&#8217;s track record; (iii) background to the proxy contest; (iv) qualifications
        of director nominees (both slates); (v) strategic plan of dissident slate and quality of critique against management; (vi) likelihood
        that the proposed goals and objectives can be achieved (both slates); (vii) stock ownership positions.</P>
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 10pt; text-align: justify">ISS recommends voting case-by-case, considering
        the same factors listed above when the addition of shareholder nominees to the management card (&#8220;proxy access nominees&#8221;)
        results in a number of nominees on the management card which exceeds the number of seats available for election.</P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; font: 10pt Book Antiqua, Times, Serif; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: center; text-justify: inter-ideograph"><FONT STYLE="font: 24pt Wingdings 2; color: #C00000"><B>O</B></FONT></TD>
    <TD COLSPAN="2" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; font: 8pt Book Antiqua, Times, Serif; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph"><FONT STYLE="font-size: 8pt">Based on these factors, we would not expect ISS to support the management nominees.</FONT></TD></TR>
<TR STYLE="background-color: #D9D9D9">
    <TD COLSPAN="4" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; font: 8pt Book Antiqua, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: left; text-justify: inter-ideograph"><FONT STYLE="font-size: 8pt"><B>B. Share Capital</B></FONT></TD></TR>
<TR>
    <TD COLSPAN="4" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; font: 8pt Book Antiqua, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: left; text-justify: inter-ideograph"><FONT STYLE="font-size: 8pt"><B>&#8220;Blank Cheque&#8221; Preferred Shares</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 10pt; text-align: justify">ISS recommends voting against proposals
        that would authorize the creation of new classes of preferred stock with unspecified voting, conversion, dividend distribution,
        and other rights (&#8220;blank check&#8221; preferred stock).</P>
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 10pt; text-align: justify">ISS recommends voting against proposals
        to increase the number of blank check preferred stock authorized for issuance when no shares have been issued or reserved for a
        specific purpose.</P>
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 10pt; text-align: justify">ISS recommends voting for proposals to create
        &#8220;declawed&#8221; blank check preferred stock (stock that cannot be used as a takeover defense).</P>
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 10pt; text-align: justify">ISS recommends voting for requests to require
        shareholder approval for blank check authorizations.</P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; font: 10pt Book Antiqua, Times, Serif; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: center; text-justify: inter-ideograph"><FONT STYLE="font: 24pt Wingdings 2; color: #C00000"><B>O</B></FONT></TD>
    <TD COLSPAN="2" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; font: 8pt Book Antiqua, Times, Serif; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: justify; text-justify: inter-ideograph"><FONT STYLE="font-size: 8pt; font-style: normal; color: black">MFC&#8217;s constating documents contain &#8216;&#8216;blank cheque&#8217;&#8217; preferred shares in respect of which the Board may, by ordinary resolution, attach special rights to such shares, including with respect to dividends, redemption rights and other preferences over MFC&#8217;s common shares. MFC&#8217;s ability to issue preferred shares could be used for inappropriate purposes without shareholder approval (including to discourage or prevent a change of control or changes in management). </FONT></TD></TR>
<TR>
    <TD STYLE="width: 58%">&nbsp;</TD>
    <TD STYLE="width: 9%">&nbsp;</TD>
    <TD STYLE="width: 32%">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD></TR>
</TABLE>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
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<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<TR STYLE="background-color: #D9D9D9">
    <TD COLSPAN="3" STYLE="border: windowtext 1pt solid; font: 8pt Book Antiqua, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: left; text-justify: inter-ideograph"><FONT STYLE="font-size: 8pt"><B>C. Shareholder Rights Plans</B></FONT></TD></TR>
<TR>
    <TD COLSPAN="3" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; font: 8pt Book Antiqua, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: left; text-justify: inter-ideograph"><FONT STYLE="font-size: 8pt"><B>Overly Restrictive Terms</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 49%; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 10pt; text-align: justify">ISS recommends voting against a &#8220;Permitted
        Bid&#8221; definition that does not include partial bids.</P>
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 10pt; text-align: justify">ISS recommends voting against a plan that
        does not include an acceptable shareholder redemption feature that allows shareholders representing 10% or more of the outstanding
        shares to call a special meeting if the board refuses to redeem the plan within 90 days after a qualifying offer is announced.</P>
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 10pt">&nbsp;</P></TD>
    <TD STYLE="width: 9%; border-bottom: windowtext 1pt solid; font: 10pt Book Antiqua, Times, Serif; border-right: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: center; text-justify: inter-ideograph"><FONT STYLE="font: 24pt Wingdings 2; color: #C00000"><B>O</B></FONT></TD>
    <TD STYLE="width: 42%; border-bottom: windowtext 1pt solid; border-right: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify"><FONT STYLE="font-style: normal">The definition
        of &#8220;Permitted Bid&#8221; in MFC&#8217;s shareholder rights plan does not include partial bids.</FONT></P>
        <P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify"><FONT STYLE="font-style: normal">MFC&#8217;s
        shareholder rights plan does not include a shareholder redemption feature.</FONT></P></TD></TR>
</TABLE>
<P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: left"><B>&nbsp;</B></P>

<P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 8pt Book Antiqua, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

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<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: left"></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: center"><B>UESTIONS OR REQUESTS FOR ASSISTANCE
MAY BE DIRECTED<BR>
TO OUR PROXY SOLICITOR:</B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Book Antiqua, Times, Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 100%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">
        <IMG SRC="image_018.jpg" ALT=""><P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 6pt 0; text-align: center"></P>
        <P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 6pt 0; text-align: center"><B>OKAPI PARTNERS</B></P>
        <P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0; text-align: center">437 Madison Avenue, 28<SUP>th</SUP> Floor</P>
        <P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0; text-align: center">New York, N.Y., 10022</P>
        <P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0; text-align: center"><U>www.okapipartners.com</U></P>
        <P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0; text-align: center">&nbsp;</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 6pt; padding-bottom: 6pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="color: black">North American Toll-Free Phone: </FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 6pt; padding-bottom: 6pt; text-align: center; text-justify: inter-ideograph; font-size: 18pt; font-weight: bold"><FONT STYLE="color: black">1-855-208-8902</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 6pt; padding-bottom: 6pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="color: black">Email: mfcinfo@okapipartners.com</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 6pt; padding-bottom: 6pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="color: black">Facsimile: +1 212 297 1710</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 6pt; padding-bottom: 6pt; text-align: center; text-justify: inter-ideograph; font-size: 10pt"><FONT STYLE="color: black"><B>Outside of North America, Banks and Brokers Call Collect: </B><FONT STYLE="font-weight: normal">+1 212 297 0720</FONT></FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify"><FONT STYLE="background-color: yellow">&nbsp;</FONT></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify"><FONT STYLE="color: black"><B>IF YOU NEED
ASSISTANCE VOTING YOUR </B></FONT><B><FONT STYLE="color: #1F497D"><U>BLUE</U></FONT><FONT STYLE="color: black"> PROXY OR </FONT><FONT STYLE="color: #1F497D"><U>BLUE</U></FONT><FONT STYLE="color: black">
VOTING INSTRUCTON FORM OR HAVE ANY QUESTIONS, PLEASE CONTACT OKAPI PARTNERS LLC AT THE NUMBERS ABOVE, AND THEY WILL BE ABLE TO
ASSIST YOU TO ENSURE YOUR VOTE IS COUNTED AT THE MEETING.</FONT></B></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: justify"><FONT STYLE="font-weight: normal; color: black">As
IAT is using a &#8220;universal&#8221; form of proxy or &#8220;universal&#8221; voting instruction form, which includes the names
of all of the director nominees to be considered at the Meeting, including the nominees proposed by MFC, and the other matters
to be considered at the Meeting, we recommend you not use any other proxy regardless of how you propose to vote. Shareholders are
urged to </FONT><FONT STYLE="color: black"><B><U>IGNORE</U></B><FONT STYLE="font-weight: normal"> any white form of proxy or white
voting instruction form received from MFC. Only the </FONT></FONT><FONT STYLE="color: #1F497D"><B><U>BLUE</U></B></FONT><FONT STYLE="font-weight: normal; color: black">
proxy and </FONT><FONT STYLE="color: #1F497D"><B><U>BLUE</U></B></FONT><FONT STYLE="font-weight: normal; color: black"> voting
instruction form includes the names of all Concerned Shareholder Nominees, whereas MFC&#8217;s white form of proxy and voting instruction
form only contains the names of the MFC Management Nominees that are up for election at the Meeting. Accordingly, only the </FONT><FONT STYLE="color: #1F497D"><B><U>BLUE</U></B></FONT><FONT STYLE="font-weight: normal; color: black">
proxy or </FONT><FONT STYLE="color: #1F497D"><B><U>BLUE</U></B></FONT><FONT STYLE="font-weight: normal; color: black"> voting instruction
form is complete and will allow you to cast your votes in respect of all of the director nominees and other matters being considered
at the Meeting. When voting your Shares via the internet or fax, please enter only the proxy control number found on your </FONT><FONT STYLE="color: #1F497D"><B><U>BLUE</U></B></FONT><FONT STYLE="font-weight: normal; color: black">
voting instruction form.</FONT></P>

<P STYLE="font: 10pt Book Antiqua, Times, Serif; margin: 0 0 12pt; text-align: center"><FONT STYLE="color: black"><B>VOTE ONLY
YOUR &#8220;UNIVERSAL&#8221; </B></FONT><B><FONT STYLE="color: #1F497D"><U>BLUE</U></FONT><FONT STYLE="color: black"> PROXY OR
</FONT><FONT STYLE="color: #1F497D"><U>BLUE</U></FONT><FONT STYLE="color: black"> VIF TODAY</FONT></B></P>




</BODY>
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</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>4
<FILENAME>image_001.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
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<DOCUMENT>
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
