General Investment application form

APPLICATION FORM

Investment account

• Non-registered plans

• Retirement Savings Plans (RSP)

• Locked-In Retirement Account (LIRA)

• Locked-In Retirement Savings Plan (LRSP)

• Restricted Locked-In Savings Plan (RLSP)

This document contains both information and form fields. To read information, use the Down Arrow from a form field.

INVESTMENT SELECTION(cash purchase/in-kind transfer)

• minimum $500 total investment

• Fund codes available at fidelity.ca/fundcodes

• In the event of a discrepancybetween the code and the name,we will treat the code as correctand process accordingly.

• For more Fidelity Tax-SmartCashFlow options, pleaseuse the Fidelity Tax-SmartCashFlow Form, available atFidelity.ca under Advisorresources > Forms.

YOUR INVESTMENT PROFESSIONALfor all transactions

TYPE OF ACCOUNTfor all transactions

Note: All payments out of the account will be made to the registered owner(s).

* Fidelity reserves the right torequire all joint owners to sign.

New account Fidelity account no.

Dealer Cross Reference no.

Initial investment Sales charge % Distributions*Fund code Fund name $ % (ISC only) Wire order number

TOTAL INVESTMENT AMOUNT

* For RSP accounts, all distributions are reinvested. For non-registered accounts, you may choose to have distributionsreinvested or directly deposited to your bank account. If youchoose direct deposit, you will need to attach a personalizedvoid cheque to the application form. Please note that for Fidelity

Tax-Smart CashFlow series and/or a series of a fund that pays monthly distributions at a fixed rate, the default distribution option will be cash unless otherwise indicated. If banking instructions are not provided, payments will be issued by cheque.

All non-registered accounts require the completion of the Declaration of Tax Residence for Part XVIII and Part XIX of the Income Tax Act. For individual, joint and in-trust for accounts, complete Form RC518 for each account holder. For corporate or formal trust accounts, complete Form RC519 for the entity and any controlling person(s), if applicable.

PERSONAL INFORMATION/ ANNUITANT INFORMATIONfor all transactions

YOUR BENEFICIARYfor registered accounts onlyoptionalfor residents of Quebec beneficiary will be defaulted to Estate

• If you wish to designate morethan one beneficiary, please use the Beneficiary/Successor Holder Designation Form for Registered Accounts, available at Fidelity.caunder Advisor resources > Forms.

I revoke any previous designation of a beneficiary under my Plan, and designate the person named below as the beneficiary under the Plan, provided this person is living at the date of my death; otherwise, payment will be made to my estate. I reserve the right to revoke this designation. I understand that I must deliver any change to my beneficiary designation to Fidelity in writing, in a form acceptable to Fidelity. Note: You may wish

to seek professional advice regarding the effectiveness of this beneficiary designation in your province. In certain provinces, a beneficiary designation must be made by will. In some cases the rights of your spouse may override a beneficiary designation. You may also want information on the effects of future marriages or divorces, a locked-in addendum to the Plan, or changes to your beneficiary designation.

Name of beneficiary (Last and first name, in full) Relationship

Mr. Dr. Last name First name InitialMrs. Ms. Miss

Date of birth (dd/mm/yyyy) SIN/BN/TIN (mandatory) English Phone Number Preferred French

Home: Contact #

Email address Cell:

Street address Apt/Suite City Province Postal code

Mr. Dr. Last name First name InitialMrs. Ms. Miss

Date of birth (dd/mm/yyyy) SIN/TIN (mandatory) Use the ITF SIN Phone Number Preferred for tax reporting

Home: Contact #

Address same as above Email address Cell: If different, please complete:

Street address Apt/Suite City Province Postal code

Application for investment account

NON-REGISTEREDSingleCompany (attach corporate resolution and provide business number BN)Trust (attach trust agreement)In Trust For

JOINTJoint Owner with Rights of Survivorship (Does not apply to Quebec residents)Tenants in Common

To sign on account:AND (All joint owners must sign)OR (One owner can sign)

(Default is All must sign)

REGISTEREDRetirement Savings Plan (RSP)Spousal RSPLocked-In Retirement Account (LIRA)/ Locked-in RSP (LRSP) (attach locked-in agreement and indicate legislation )Restricted Locked-In Savings Plan (RLSP)

Reminder: Use the most up-to-date version of this application. Visit fidelity.ca for the latest available forms.

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Dealer company’s name Dealer code Rep. code

Investment professional’s name Phone

from another RSP (T2033 attached) from a RIF (T2030 attached)from a severance payment/retiring allowance (TD2 attached) from an RPP or DPSP (T2151 attached)

Transfer-in informationfor registered plans only

Personal Information for:• Joint owner

• Spousal

• In Trust For

Wire Order Purchase (provide wire order # below)Direct Purchase (attach cheque)

Transfer from a non-Fidelity account (attach transfer form)Transfer from an existing Fidelity account

NOTE: For One-time PAC requests, use the SYSTEMATIC PURCHASES (PAC) section of this application.

Reinvest Deposit

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SYSTEMATIC PURCHASES (PAC)• Minimum $25, LIRA not eligible

• If your PAC date does not fall on a business day, Fidelity will process the PAC on the next business day.

• Fund code takes priority over fund name.

• It may take up to 48 hours for funds to be withdrawn from your bank account from the date the PAC is scheduled to run.

* The last run date is the last date funds will be withdrawn from your bank account.

** The Annual Increase will be applied to the 1st run date of each calendar year.

SYSTEMATIC EXCHANGES• Fund code takes priority over

fund name.

• Only available between the same load option.

* The last run date is the actual last systematic exchange date.

BANKING INFORMATIONfor PAC, SWP, Tax-Smart CashFlow distributions and redemptions

SYSTEMATIC WITHDRAWALS (SWP)Minimum $5,000 Account balance, Minimum $50, LIRA not eligible• If your SWP date does not

fall on a business day, Fidelity will process the SWP on the preceding business day.

• Fund code takes priority over fund name.

See Fidelity EFT Policy in Regards to SWPs on Tips page.* The last run date is the last date

funds will be deposited to your bank account.

** The Annual Increase will be applied to the 1st run date of each calendar year.

FIDELITY CONFIDENTIAL INFORMATION

I authorize Fidelity to exchange funds within my Fidelity account as follows:

FREQUENCY OPTIONS (choose one) Last run date*


I authorize Fidelity to make regular withdrawals from my Fidelity account as shown below.


Start Date (dd/mm/yyyy)

Second Run Date For twice a month only (dd/mm/yyyy) Fund Code Fund Name

Amount ($) GrossNet

Annual Increase (0.00 – 100.00%)**

Attach a void cheque for the direct deposit of your payment to your bank account.Direct deposit may take up to 48 hours to post on your bank account.

TOTAL DOLLAR AMOUNT $


One Time PAC (check if applicable)

Start Date (dd/mm/yyyy)

Second Run Date For twice a month only (dd/mm/yyyy) Fund Code Fund Name Amount ($)

Annual Increase (0.00 – 100.00%)**

ISC Sales Charge %

TOTAL DOLLAR AMOUNT $

Start Date Second Run Date From Fidelity Fund Amount To Fidelity Fund

For twice a month (dd/mm/yyyy) only (dd/mm/yyyy) Fund Code Fund Name $ Units Fund Code Fund Name

I authorize Fidelity Investments to debit the bank account indicated on the attached void cheque for the amount(s) and in the frequencies indicated. If I have elected to increase the amount indicated by specifying a percentage in the column below entitled “Annual Increase (0.00 – 100%)”, I authorize Fidelity Investments to increase said amount by the percentage specified unless I provide instructions to Fidelity Investments to cancel or amend the annual increase instructions in accordance with the notice requirements set out below. If I transfer my account to a different branch of the same institution, this authorization will still be valid. Failure to make the payment will not give rise to any liability for Fidelity Investments. I may change these instructions or cancel this plan at any time, provided Fidelity Investments receives at least 10 business days notice by phone or by mail. I have certain recourse rights if a debit does not comply with this agreement. For example,

I have the right to receive reimbursement for any debit that is not authorized or is not consistent with this pre-authorized debit agreement (PAD).(To obtain more information on recourse rights and/or a sample of a cancellation form, or more information on your right to cancel a PAD Agreement, contact your financial institution or visit www.cdnpay.ca.) By Canadian Payment Association definition, if this is for your own personal investment, your debit will be considered a Personal PAD. If this is for business purposes, it will be considered a Business PAD. By signing this form, I hereby waive any pre-notification requirements as specified by section 15(a) and (b) of the Canadian Payments Association Rule H1 with regards to pre-authorized debits. I confirm that all persons whose signatures are required to authorize transactions in the bank account, as per the attached void cheque, have signed this agreement below.

Bank Account Holder Signature Joint Bank Account Holder Signature Date

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ATTACH YOUR BANKING INFORMATION TO THIS APPLICATION FORM.Fidelity EFT Policy: To help protect our investors, Fidelity Investments requires one of the following:• A copy of a personalized void cheque with client name and banking

information pre-printed/embossed on the cheque. Counter cheques will not be accepted.

• A letter from a recognized Canadian Bank or Credit Union issued on an official bank form or letterhead, with client name and bank account details. Bank stamp and signature must be provided if indicated on the bank form or letterhead.

• Online Bank Form, with or without void cheque image, with client name and bank account details. Bank stamp and signature must be provided if indicated on the Online Bank Form.

• 10 business days are required before the start date to set up or change a PAC or SWP plan.

NOTE: Payments can only be made payable to the beneficial owner/client name(s) on the Fidelity account.

Every 2 Weeks Monthly Twice a Month Every 2 Months Quarterly Semi-annually AnnuallyWeekly



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eDELIVERYAn eDelivery notification will be sent to the email addresses provided in the “Personal information” section of the application form. You must provide Fidelity valid email addresses and notify Fidelity of any future changes to the email addresses.

Register my account(s) for eDeliveryConfirmation, Statements, Tax slips/receipts and Annual regulatory noticeIf you selected Online delivery of your account documents, please check the box below to accept the terms and conditions.Please read the eDelivery agreement below.


® Fidelity Investments is a registered trademark of Fidelity Investments Canada ULC.

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Visit us online at fidelity.ca

or call Fidelity Client Services at 1 800 263-4077

or fax us at 1 800 387-8092

Fidelity Investments Canada ULC483 Bay Street, Suite 300Toronto, Ontario M5G 2N7

YOUR SIGNATUREfor all transactions

I acknowledge that I have received a copy of the current fund facts of the fund(s) selected and understand that these transactions are made under the terms and conditions therein. I understand that mutual funds are not insured under the Canada Deposit Insurance Corporation Act. I certify that the information provided by me on this application is complete and true in all respects. I request that this application and all documentation relating to my account or Plan be provided to me in English. Je vous prie de me faire parvenir la présente demande ainsi que toute la documentation afférente à mon compte ou à mon Régime en anglais.

FOR REGISTERED ACCOUNTSTO: Computershare Trust Company of Canada (The “Trustee”) – I request Computershare Trust Company of Canada to act as Trustee of my Fidelity Investments Retirement Savings Plan (the “Plan”) and to apply for registration of the Plan under the Income Tax Act (Canada) and, if applicable, any provincial income tax legislation. I acknowledge and agree to be bound by the terms and conditions set out in the Declaration of Trust set forth on the reverse side hereof and, if applicable, the LIRA Addendum which forms part of the Plan, as amended from time to time. I understand that I am solely responsible for determining the amount of contributions to the Plan that are deductible for income tax purposes.

Date (dd/mm/yyyy) Your signature/Annuitant’s signature (for registered accounts) Joint applicant’s signature (if applicable)

X X

Accepted by Fidelity Investments Canada ULC, as agent for Computershare Trust Company of Canada, Trustee.

Fidelity Investments Application form eDelivery Terms and ConditionsI/we acknowledge the following:• By selecting “Online” delivery for my Confirmations, Statements, Tax

slips/receipts and Annual regulatory notice (“Account Documents”), I/we am/are consenting to receiving electronic notification when the Account Documents are available online through the Fidelity website (eDelivery). If enrolled in eDelivery, I/we understand it is my/our responsibility to access and view these documents when they become available at fidelity.ca/investorlogin;

• I/we understand that once enrolled for eDelivery, I/we am/ are consenting to have Account Documents for all accounts associated with my/our Fidelity user ID delivered according to the preferences I/we have selected;

• I/we am/are responsible for providing Fidelity with a valid email address;

• I/we understand that I/we will need to register for My Accounts at fidelity.ca/investorlogin in order to access and retrieve the Account Documents;

• I/we am/are required to have internet access, an internet browser, and an appropriate version of Adobe Acrobat Reader in

order to retrieve, view, save and monitor the availability of the Account Documents;

• If the email address I/we provide is different from an existing email address on My Accounts, Fidelity will update My Accounts with the email address I/we have entered on this application form;

• By consenting to this service I/we understand that I/we will not receive the Account Documents by mail;

• “Statements” refers to any account statement, including but not limited to, enhanced account and performance reporting, where applicable;

• I/we acknowledge that printed copies of the Account Documents will be sent to me/us by mail if delivery of the email notification fails; and

• I/we can revoke my/our consent at any time by contacting Fidelity, and Fidelity will send the Account Documents by mail.

For more on how Fidelity uses your personal information, please read our privacy policy.

Email address: Joint account holder email address:

I/we have read, understood and accept the eDelivery agreement

Authorized signature

PRIVACY PROTECTION NOTICE

I consent and agree to Fidelity collecting personal information, including my name, address, telephone number, social insurance number, date of birth and account holdings (the “Information”), from me or from other sources such as my Dealer or other financial institutions, and from third parties who represent that they have the right to disclose the Information, and using such Information to: administer my account; provide my Dealer and me with transaction confirmations, statements, tax receipts, or other information or services my Dealer or I request; process pre-authorized debit transactions; and as otherwise required or permitted by law.

Fidelity may disclose the Information to its employees, agents and third parties who are bound to maintain its confidentiality (including my Dealer, third party service providers, other financial institutions and any governmental authority) as necessary to administer my account or as required by law, including to comply with requests

for information from regulatory bodies and for income tax reporting purposes. If a service provider is located in a jurisdiction outside of Canada, it is bound by, and the Information may be disclosed in accordance with, the laws of that jurisdiction.

If I provide personal information about another individual (such as my spouse or beneficiary), I will have first obtained appropriate consent from that individual to the collection, use and disclosure of their personal information in the course of the administration of my account, including the purposes described above.

I may obtain access to the Information at any time from Fidelity and review its content and accuracy, and have it amended as appropriate; however, access may be restricted in accordance with applicable law.

For more information please see Fidelity’s Privacy Policy at fidelity.ca.

https://www.fidelity.ca/fidca/en/legal/privacy

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Tips to help you complete this formPrint all information clearly. Errors can take up valuable time.

Complete the Personal information section completely and carefully. The application cannot be processed without it.

For Corporate accounts, a corporate resolution which specifies authorized signatories and a business number (BN) are required in order to properly set up an account.

For Formal Trust accounts, a trust agreement which indicates authorized trustees and a trust number (TN) are required in order to properly set up an account.

Attach all required documents to Fidelity’s copy, including cheques.

When completing the Investment selection section,

• Find the fund code at fidelity.ca

• Abbreviate the fund name, eliminating the words “Fidelity” and “Fund.” For example, to choose the Fidelity Canadian Growth Company Fund, simply print “Canadian Growth Company” or “Cdn Growth Co.” We use this name to verify the code you have written. If there is a discrepancy between the Fund Code and the Fund Name indicated, we will assume the Fund Code is correct.

• Check one box to show whether you are using dollar amounts or percentages.

• Indicate how you would like your distributions. For RSP accounts, all distributions are reinvested. For non-registered accounts, you may choose to have distributions reinvested or directly deposited to your bank account. If you choose direct deposit, you will need to attach a personalized void cheque to the application form. Please note that for Tax-Smart CashFlow series and/or a series of a fund that pays monthly distributions at a fixed rate, the default distribution option will be cash unless otherwise indicated.

• To apply for a PAC plan, complete the sections called Systematic Purchases (PAC) and Banking information.

Fidelity EFT Policy in regards to SWPs: To help protect our investors, Fidelity Investments requires one of the following:

• A copy of a personalized void cheque with client name and banking information pre-printed/embossed on the cheque. Counter cheques will not be accepted.

• A letter from a recognized Canadian Bank or Credit Union issued on an official bank form or letterhead, with client name and bank account details. Bank stamp and signature must be provided if indicated on the bank form or letterhead.

• An Online Bank Form, with or without void cheque image, with client name and bank account details. Bank stamp and signature must be provided if indicated on the Online Bank Form.

Note: SWP payments can only be made payable to the beneficial owner/client names on the Fidelity account.

The investor needs to sign the form. The investor’s signature in the section called Your signature applies to all information provided on the form, including the PAC agreement in the section called Systematic Purchases (PAC).

Why is Fidelity asking you whether you are a U.S. citizen, U.S. tax resident, or tax resident of any other country outside of Canada?

The Income Tax Act (Canada) (the “ITA”), requires Canadian financial institutions like Fidelity to collect and report information to the Canada Revenue Agency (CRA) about U.S. citizens (regardless of where they live) and tax residents of a country other than Canada who hold non-registered accounts. As a result, we must ask you these questions at the time of account opening, and ask you to inform your financial advisor and Fidelity if there is a change in your circumstances that causes you to become a U.S. citizen or a tax resident of a country other than Canada. We must also ask U.S. citizens and tax residents of a country other than Canada to provide their Taxpayer Identification Number (TIN) for all their tax residency jurisdictions.

If a reportable individual or entity fails to provide its TIN, the CRA could assess a penalty of up to $500 under the ITA. However, if the individual or entity makes an application for the assignment of a TIN within 90 days and provides the TIN to Fidelity within 15 days of receipt, or the foreign jurisdiction does not issue a TIN, the CRA will not assess penalties.

Individual Self-certification instructions1. Only use Form RC518 for a non-registered account for one or

more individuals.

2. Use Form RC519 for an account held by an entity such as a corporation, partnership, formal trust or any other organization.

3. For joint accounts, each owner must complete their own Form RC518.

4. For an informal trust account for a minor, Form RC518 may be completed for the minor by the parent or legal guardian, however, it is not mandatory for the minor’s tax status to be provided.

Entity Self-certification instructions1. Only use Form RC519 for a non-registered account for an entity

such as corporation, partnership, formal trust, or any other organization.

2. Please follow the questions to determine which sections are applicable to the entity and controlling person(s).

For additional information to assist you in completing this form, please visit the Canada Revenue Agency’s website at http://cra-arc.gc.ca/tx/nnrsdnts/nhncdrprtng/ntts-eng.html.

Send the original signed form with the initial payment to Fidelity at 483 Bay Street, Suite 300, Toronto ON M5G 2N7.

or

You may fax this form to Fidelity at 1 800 387-8092

® Fidelity Investments is a registered trademark of Fidelity Investments Canada ULC.

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http://fidelity.ca

http://cra-arc.gc.ca/tx/nnrsdnts/nhncdrprtng/ntts-eng.html

FIDELITY INVESTMENTS RETIREMENT SAVINGS PLAN

DECLARATION OF TRUST

We, Computershare Trust Company of Canada, a trust company incorporated under the laws of Canada and having an office in the City of Toronto in the Province of Ontario, hereby declare that we accept the office of trustee for you, the planholder named on the application form accompanying this declaration (the “Application”) under the Fidelity Investments Retirement Savings Plan (the “Plan”) on the following terms and conditions. You acknowledge that we have retained Fidelity Investments Canada ULC (the “Agent”) as our agent to perform on our behalf certain of our duties and responsibilities under this declaration.

1. COMPLIANCE: The Plan will at all times comply with all relevant provisions of the Act and, if applicable, the Taxation Act (Quebec), with respect to RRSPs. You will be bound by the terms and conditions imposed on the Plan by all applicable legislation.

2. REGISTRATION: We will submit the Plan for registration in accordance with the Act.

3. DEALER: In this declaration, a “Dealer” means the person or entity acting (or representing that it acts) as or on behalf of your investment advisor, broker or dealer in connection with the Plan. You acknowledge that a Dealer is your agent and not our agent. We are entitled to accept and act on any notice, authorization or other communication that we believe in good faith to be given by you or Dealer on your behalf. Any reference in this declaration to your instructions or requests includes instructions or requests from your Dealer on your behalf. We are under no obligation to verify that a Dealer is properly authorized to act as your agent or is otherwise authorized to act on your behalf.

4. CONTRIBUTIONS: You or, where applicable, your spouse, and in limited circumstances your employer, may make contributions to your plan. At our sole discretion, we may accept or reject all or part of a contribution from any source permitted by the Act. You may not make contributions after December 31st of the year in which you reach the maximum age for maturity of the Plan set out in the Act.

5. INVESTMENTS: We will invest contributions to your Plan in the investments selected by you at the then current offering price next determined following the receipt of the contribution. In making your investment selection, you may select securities of mutual funds managed by the Agent or other investments acceptable to the Agent in its sole discretion. In making investments for your Plan, we will not be limited to investments authorized by legislation governing the investment of property held in trust. Cash distributions received by us in respect of investments held in your Plan will be re-invested in additional investments of the same type. In the absence of satisfactory investment instructions, we may invest cash in units of a money market fund managed by the Agent. We will hold the assets of the Plan in trust, and will custody such assets through the Agent or custodians appointed by the Agent.

6. PLANHOLDER’S RESPONSIBILITIES: You acknowledge and assume responsibility for the following:(a) assessing the appropriateness of any investment, selecting investments

for your Plan, obtaining appropriate advice, or authorizing a Dealer to do any of these things for you; and

(b) ensuring that your Plan’s contributions and investments comply with the rules under the Act or any other applicable legislation, including that any security held in your Plan is a qualified investment for the Plan under the Act and is not a “prohibited investment” under the Act.

We will not be responsible for any tax payable in respect of non-qualified investments, excess contributions or payments from your Plan, or for loss resulting from the sale or other disposition of assets of your Plan.

7. NON-QUALIFIED INVESTMENTS AND PROHIBITED INVESTMENTS:Subject to Section 24, if the Plan becomes liable for tax, interest, or penalties under the Act or similar provincial legislation, you authorize us to redeem sufficient assets of your Plan to pay the liability and we will not be liable for any resulting loss. We will exercise the care, diligence and skill of a reasonably prudent person to minimize the possibility that the Plan holds a non-qualified investment. Other than as set out in this declaration, we will not be liable for ascertaining whether any investment made on your direction is or remains a qualified investment for RRSPs under the Act.

We will not be liable for any tax payable in respect of any non-qualified investment or prohibited investment directed by you or made or held in the trust established hereunder. We will not otherwise be liable for the making, retention or sale of any investment or reinvestment as herein provided or for any loss or diminution of the assets comprising the Plan.

8. WITHDRAWALS: The assets of the Plan may not be withdrawn, transferred, assigned, or surrendered, in whole or in part, except where, after receiving satisfactory instructions from you or your Dealer on your behalf, assets of the Plan are paid or transferred:(a) to you pursuant to paragraph 9 of this declaration;(b) to a registered pension plan, RRSP, RRIF, or life annuity pursuant to

paragraph 10 or 11 of this declaration;(c) into court or to a third party pursuant to paragraph 13 of this

declaration;(d) upon your death pursuant to paragraph 15 of this declaration; or(e) as otherwise permitted by the Act.

Where required by the Act, we will withhold tax from payments made from the Plan. If the value of your Plan is less than $500, we may make a payment to you from your Plan equal to the value of your Plan. We may, in our sole discretion, sell any of the assetsin the Plan in order to make the foregoing payments and we will not be responsible for any resulting loss.

9. REFUND OF EXCESS CONTRIBUTIONS: Upon receipt of your satisfactory written request or, where applicable, your spouse’s satisfactory written request, we will make a payment from the Plan to you or your spouse, as applicable, to reduce the amount of tax otherwise payable under Part X.1 of the Act.

10. TRANSFERS: At any time and from time to time, you may direct us to transfer all or part of the assets of your Plan to the issuer of a registered pension plan, RRSP, RRIF, or a life annuity that provides for a retirement income in conformity with the Act. You must be the annuitant of the recipient plan. Upon receipt of your satisfactory written direction and subject to the conditions imposed by this declaration, the Act, and applicable provincial legislation, we will transfer the assets of the Plan requested to be transferred, together with all the necessary information for the continuance of the Plan, to the issuer of the recipient plan. You may instruct us to sell or transfer specific assets to effect the transfer. If you fail to provide us with satisfactory written instructions, we may sell or transfer the assets we deem appropriate, in our sole discretion, to effect the transfer. If we receive instructions from you to transfer some of the assets of your Plan, we may request instructions to transfer all of the assets of your Plan and we may delay the transfer until we have received the instructions.

11. MATURITY: On or before December 31 of the year in which you reach the maximum age for maturity of the Plan set out in the Act, the assets of the Plan must be transferred to a RRIF or used to purchase a life annuity that conforms with the Act. If you do not provide written instructions to us at least 90 days before that date, the assets of the Plan will be transferred on or before December 31 of that year to a RRIF selected by us in our sole discretion. You appoint us as your attorney to execute all documents and make elections necessary to establish the RRIF with the assets of the Plan. You will be deemed to have elected (i) to use your age to determine the minimum amount payable under the RRIF according to the Act; (ii) not to designate your spouse to become the successor annuitant of the RRIF on your death; and (iii) not to designate any beneficiary of the RRIF.

12. LIFE ANNUITY: A life annuity purchased with the assets of the Plan will be paid in equal annual or more frequent amounts to you until a full or partial commutation and, where the commutation is partial, equal annual or more frequent periodic amounts thereafter except for adjustments that are permitted by the Act. The aggregate of the periodic payments in a year after your death will not exceed the aggregate of the payments in a year before that death. If an amount becomes payable to a person other than your spouse, the life annuity will be commuted.

13. RELATIONSHIP BREAKDOWN AND PAYMENTS INTO COURT AND TO THIRD PARTIES: To the extent and in the manner permitted by applicable law, we will make a payment or payments out of your Plan to effect a division of property, provided such payment is made pursuant to

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decree, order, or judgment of a competent tribunal or under a written separation agreement in the settlement of rights arising out of or on the breakdown of your marriage or other conjugal relationship.

If there is a dispute about:(a) the validity of enforceability of any legal demand or claim against the

assets of the Plan; or(b) the authority of a person or personal representative to apply for and

accept receipt of the proceeds payable under the Plan on your death,

we and the Agent are entitled to either apply to a court for directions or pay the disputed amounts into court and, in either case, fully recover any legal costs that either one incurs in this regard as expenses from the account. Where required by law, we and the Agent are entitled to make payments out of your Plan to third parties without your prior authorization.

14. BENEFICIARY DESIGNATION: You may designate one or morebeneficiaries to receive the assets of the Plan on your death, provided that you are domiciled in a jurisdiction that by law permits you to validlydesignate a beneficiary other than by will. You must make, amend, or revoke the designation by way of written notice in a form acceptable tous and delivered to us. Any designation, amendment, or revocation willbe valid only from the day following its receipt by us.

15. PAYMENTS UPON YOUR DEATH: Upon receipt of satisfactory evidenceof your death, we will pay the assets of the Plan to your designatedbeneficiary(ies). If you have not designated a beneficiary or if the designatedbeneficiary predeceases you, the payment will be made to your legal representatives or as required by law. The payment will be made subject to the deduction of all proper charges, including tax required to be withheld, after we receive the releases and other documents that we require in oursole discretion.

16. PROHIBITION: No advantage that is conditional on the existence ofthe Plan may be extended to you or to a person not dealing at arm’slength with you, other than those advantages permitted under the Actand under any applicable provincial legislation. Retirement income under the Plan may not be assigned in whole or in part. We reserve the right to prohibit any transaction, investment, payment or transfer that is or maybe prohibited or penalized under the Act.

17. PROOF OF AGE AND SOCIAL INSURANCE NUMBER: The statement ofyour age and social insurance number on the Application is deemed to beyour certification thereof and an undertaking by you to provide evidence or proof thereof if requested by us.

18. YOUR ACCOUNT: We will maintain an account in your name which records,where applicable, with appropriate dates, contributions to the Plan, thenumber and cost of the assets in the Plan, earnings and expenses of thePlan for the preceding year, withdrawals and transfers from the Plan, andthe balance of the Plan. We will send you a statement of your account atleast once a year.

19. INCOME TAX RECEIPTS: If applicable, we will provide to you, or to yourspouse where applicable, before March 31 of each year, any income taxstatements pertaining to the Plan and required to be filed with your, oryour spouse’s where applicable, personal income tax return for the previous taxation year.

20. AMENDMENTS: From time to time, we may in our sole discretion amendthis declaration with the concurrence of the Canada Revenue Agency and,as required, provincial tax authorities, provided that an amendment to thisdeclaration does not disqualify the Plan as an RRSP. Any amendment to this declaration that is necessary to ensure compliance with any legislation willbe effective without further action or notice to you. In any other case, wewill provide you with at least 30 days’ written notice of every amendment to this declaration.

21. NOTICE: We will provide notice by pre-paid regular mail, electronic mailor other form of electronic transmission addressed to you at the addressindicated on the Application or such other address as you or your Dealermay provide to us from time to time. Notice we give you will be deemedto have been made on the day the notice is sent or transmitted. Any notice you give to us or the Agent must be in writing in a form satisfactory to usor the Agent, as applicable. We or the Agent may, in our sole discretion,

accept notice by means of electronic transmission. We may for any reason refuse to act on any notice, request or other communication from you or your Dealer and will not be liable for any resulting loss. Notice you or your Dealer gives to us will be deemed to have been made on the day of actual receipt of the notice.

22. OUR RESPONSIBILITY AND DELEGATION OF DUTIES: We are ultimately responsible for administering the Plan in accordance with the terms of this declaration and the provisions of the Act. We are entitled to exercise, in our sole discretion, the rights, powers, and privileges that otherwise could be exercised by a beneficial owner of the assets of the Plan. We may employ or engage accountants, brokers, lawyers, and others and may rely on their advice and services. Without detracting in any way from our responsibility, we may appoint one or more agents, including but not limited to the Agent, to perform any of our obligations under this declaration. We will not be liable for the acts or omissions of any of its advisors or agents. We will not be liable for the acts or omissions of a Dealer or any of your agents, advisors or service providers. Upon transferring assets from the Plan or making a payment from the Plan, we will be discharged from all further duties and liabilities under this declaration with respect to the assets transferred or paid out of the Plan.

23. FEES AND EXPENSES: Unless otherwise prohibited by the Act, we are entitled to charge your Plan fees for out-of-the-ordinary services requested by you or a Dealer in connection with your Plan and to reimbursement for all taxes, penalties and interest imposed on us and for all other costs and expenses incurred by us in connection with your Plan, or as described in the prospectus for the mutual fund(s) managed by the Agent held in your Plan. All amounts so payable will be charged against and deducted from the assets in your Plan, unless otherwise prohibited by the Act or you make other arrangements with us. We may, in our sole discretion, sell any of the assets in the Plan in order to pay same and we will not be responsible for any resulting loss.

24. TAXES IMPOSED ON YOU OR YOUR PLAN: We are not responsible for taxes, interest and penalties imposed on you or the Plan, except for taxes, interest and penalties, if any, imposed on us by the Act that are not reimbursable by the Plan under the Act. If your Plan becomes liable for tax, interest or penalties under the Act or provincial legislation, we may, in our sole discretion, sell any investment of your Plan to pay the liability. We will not be liable for any resulting loss.

25. INDEMNITY: None of us, our officers, employees or agents will be liable for any loss suffered or for any taxes, interest or penalties imposed under the Act as a result of holding or dealing with the assets of your Plan in accordance with instructions that we believe in good faith to have been given by you or your Dealer or dealing with the assets of your Plan in accordance with the provisions of this declaration. You, your personal representatives and each beneficiary under your Plan will at all times indemnify and save harmless us and our agents from all taxes, assessments, expense, liability, claims and demands arising out of the purchase, sale or retention of assets of your Plan, payments on your death to any designated beneficiary, or anything done in connection with your Plan, other than as the result of our fraud, dishonesty, bad faith, willful misconduct, or gross negligence.

26. SUCCESSOR TRUSTEE: We may resign and be discharged from all duties and liabilities under this declaration by giving written notice to the Agent. The Agent is initially nominated to appoint a company as successor trustee (the “Successor Trustee”). If a Successor Trustee cannot be found within a reasonable period, the Trustee and/or the Agent may apply to a court of competent jurisdiction for the appointment of a Successor Trustee, acceptable to the Agent. Upon acceptance of the office of trustee of your Plan, the Successor Trustee will be trustee of your Plan as if it had been the original declarant of your Plan and your Plan continues in full force and effect with the Successor Trustee. Any trust company resulting from a merger, amalgamation or continuation to which we are party, or succeeding to substantially all of our RRSP and RRIF trusteeship business (whether by sale of such business or otherwise), will, if authorized, become the Successor Trustee of the Plan without further act or formality. At the time of the appointment or succession of a Successor Trustee, we will be relieved of all duties and liabilities under this declaration.



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27. LIRA ADDENDUM: Where “locked-in” assets will be transferred, directly or indirectly, to the Plan in accordance with applicable pension benefits legislation, a locking-in addendum (the “LIRA Addendum”) that forms part of this declaration will be provided to you. In the event of any inconsistency between the LIRA Addendum and this declaration, the LIRA Addendum will apply.

28. DEFINITIONS: In this declaration:(a) Act means the Income Tax Act (Canada);(b) RRIF means a registered retirement income fund as defined in the Act

and, where applicable, the Taxation Act (Quebec);(c) RRSP means a registered retirement savings plan as defined in the Act

and, where applicable, the Taxation Act (Quebec); and(d) Spouse means a spouse or common-law partner as defined in the Act

or legally married persons.(e) You means “Annuitant” as defined in subsection 146(1) of the Act.

29. APPLICABLE LAWS: This declaration will be governed, construed and enforced in accordance with the laws of Ontario and Canada.

30. ELECTRONIC SIGNATURES: You hereby authorize and direct the Agent and us to rely on your electronic signature on the Application, this declaration and all ancillary documents and all such electronic signatures, however provided to the Agent and us, will be deemed to be reliable for the purpose of identifying you and will be deemed to be reliable for the purpose of the document signed.

31. HEIRS, EXECUTORS AND ASSIGNS: The terms of this declaration will be binding on your heirs, executors, administrators and assigns and on the Agent’s and our respective successors and assigns.

32. SPECIMEN PLAN: This declaration conforms with Specimen Plan RSP 574-678.

Effective April 1, 2018



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