APPLICATION AND SUBSCRIPTION FORM. québecers INNOVATING

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1 APPLICATION AND SUBSCRIPTION FORM québecers INNOVATING

2 1 Select one plan only Choice of Plan 2175 boulevard De Maisonneuve Est, Suite 103 Montreal, Québec), H2K 4S3 Telephone : RSP (retirement savings plan) Class A, Series 1 shares and registration in retirement savings plan RSP In my own name In the name of my spouse OR APPLICATION AND SUBSCRIPTION FORM Non-registered Class A, Series 2 shares If the plan is non-registered, you must provide the following: Does the shareholder act on behalf of a third party s? No Yes If so, we will send you a questionnaire in this regard (FRA1343). Does the shareholder or one of his/her immediate family members hold or has held an important position in the government, political party, armed forces, legal court or government-owned corporation of a country other than Canada? No Yes If so, we will send you a questionnaire in this regard (FRA1343). 2 Renseignements personnels ABOUT THE SHAREHOLDER Name of the person on whose behalf the shares are purchased. F M Y Y Y Y M M Date of Birth Reserved for Social Insurance Number Profession (please provide complete and detailed information) Driver s Licence Health Insurance Passport Reference Number Place of Issue ABOUT THE CONTRIBUTING SPOUSE To be completed for Spousal RSP only (Tax credits and tax deductions will be attributed to the contributing spouse) F M Y Y Y Y M M Date of Birth Social Insurance Number Last Name First Name Address City/Town Apt. Last Name First Name Address (Check if the same as shareholder) Apt. City/Town Province Postal code Province Postal code Telephone (home) Telephone (office or cell) Ext. Profession (please provide complete and detailed information) Name of Employer Employee Number Telephone (home) Telephone (office or cell) Ext. Profession (please provide complete and detailed information) Name of Employer Employee Number If unionized CSN Union No. UNDERSTANDING OF THE FONDACTION INVESTMENT I understand that my annual taxable income must be of a sufficient amount so that I can fully benefit from tax credits. I understand that provides an investment for retirement. I understand that the investment may be redeemed on certain conditions set out in the Prospectus. ELIGIBILITY FOR TAX CREDITS In order to be eligible for the tax credits, you must answer no to the four following questions. (For a spousal RRSP, your spouse and yourself must answer «no» to all questions) Age: Are you at least 65 years old, or will you turn 65 by the end of the year? Retirement: Have you ever redeemed shares in a labour-sponsored fund for retirement? Disability: Income: or other, specify If unionized CSN Union No. Have you ever redeemed shares in a labour-sponsored fund because of total or permanent disability? If you are receiving a retirement income, in addition to this one, is your employment or business income lower than $3,500? or other, specify Yes Yes No No

3 Subscription by Payroll Deduction I hereby subscribe, in accordance with stipulated conditions, for Class A, Series 1 or Series 2 capital stock shares of, le Fonds de développement de la Confédération des syndicats nationaux pour la coopération et l emploi (), and agree to pay the applicable fees mentioned in the Prospectus. GF- Group No. A- Remittance officer Name of Employer 3.1 PAYROLL DEDUCTIONS Payroll deduction start date Y Y Y Y M M Employee Contribution Employer Contribution (following a written agreement) $ per pay period $ % of my salary % $ per hour $ 3.2 LUMP-SUM SALARY DEDUCTION My employer will pay for me and in my name the agreed amount of: Bonus Retroactive Sick leave/paid leave Based on agreement Other : Retirement allowance $ Should I fail to check Yes or No, I will be deemed to have consented to the application of immediate tax deductions. I request that the employer applies the immediate tax deductions: Yes No RRSP deductions and tax credits (if offered) Tax credits only (if offered) OR Should I fail to check Yes or No, I will be deemed to have consented to the application of immediate tax deductions. I request that the employer applies the immediate tax deductions: Yes No RRSP deductions and tax credits (if offered) Tax credits only (if offered) OR 4 Direct Subscription I hereby subscribe, in accordance with stipulated conditions, for Class A, Series 1 or Series 2 capital stock shares of, le Fonds de développement de la Confédération des syndicats nationaux pour la coopération et l emploi (), and agree to pay applicable fees mentioned in the Prospectus. 4.1 LUMP-SUM PAYMENT My payment is by: $ Amount: Cheque Debit card Other (including fees mentionned in the prospectus) 4.2 PRE-AUTHORIZEEBIT PAYMENT (Enclose a personalized cheque specimen marked VOID ) Amount (minimum $10): $ Date of first payment * : Frequency: Monthly Every two weeks Every week Y Y Y Y AUTHORIZATION I, the undersigned, Account Holder Authorize, to withdraw from the following account the above-mentioned amount at the frequency selected; Authorize to invoice me and debit any charges from my account if the pre-authorized debit payment cannot beprocessed as stipulated in this agreement, and I waive my right to receive a written notice about the changes made to my next debit payment; M M * If no date is provided, payment will be made automatically on the first day of the month following receipt of this form. This date must be between the 1 and the 28 of the month. Authorize the financial institutions below to deduct from my account the above-mentioned amount. This authorization may be revoked at any time upon my written notice, which must be sent to 30 calendar days prior to the next scheduled pre-authorized payment. Acknowledge receipt of a copy of this agreement and waive my right to receive a written notice before the first pre-authorized debit payment. Name of Account Holder Name of Financial Institution: Name of Joint Account Holder (where applicable) Transit No. Institution No. Account No. RIGHT TO RECOURSE I have certain rights to recourse should a debit payment not comply with this agreement. For example, I am entitled to receive a refund of any unauthorized debit payments or those that are not in compliance with this authorization. For more information about my right to recourse, on how to obtain a sample cancellation form or any other information on my right to cancel, I may contact my financial institution or visit X Signature of Account Holder (mandatory) X Signature of Joint Account Holder (where applicable)

4 10000 OR 5 Beneficiary(ies) in the Event of Death For RSPs shareholder designates a beneficiary. (In the event I fail to tick the My estate box or if I fail to designate a beneficiary, I am deemed to have chosen that any amount remaining in my account be delivered to my estate upon my death.) My estate Beneficiary(ies) designated below, based on the percentage indicated in the Shared (%) column Other relationship to the shareholder, if Spouse Last Name, First Name Revocable Irrevocable Shared (%) applicable Legal Common-law NOTICE In Quebec, unless indicated otherwise, the designation of the married or civil union spouse is IRREVOCABLE. The designation of all other beneficiaries is REVOCABLE. The designation of a revocable beneficiarymay be changed at any time but that of an irrevocable beneficiary may be changed only upon the written consent of the beneficiary. If a minor child is designated as an irrevocable beneficiary, that beneficiary designation cannot be changed until the child reaches the age of majority and is able to give his/her legal consent by signing the appropriate form. If I should die before all my designated beneficiaries and if no percentage (%) has been indicated in one or more of the Shared (%) boxes, or if the sum of the percentages is not equal to 100%, I request that the amount in my account be divided at the time of my death into equal parts among the surviving designated beneficiaries. If there is only a single beneficiary designated when I die, such beneficiary shall receive the entire amount in my account. If one (or more) designated beneficiaries predecease me, I request that their percentage of the entitlement (as indicated hereinabove in Section 5) be divided into equal parts among the surviving designated beneficiaries. If only a single designated beneficiary remains after my death, such beneficiary shall receive the entire amount in my account. If none of the designated beneficiaries survives me, I request that the amount in my account at the time of my death be paid to my estate. 6 Authorization and Signature(s) I declare that I have been informed that Viaction Insurance Inc. (Viaction) is the registrar of and trustee of the RSP retirement savings plan (RSP), and that I have read the statement from Viaction and that appears on the reverse side of this document. I declare that I have been informed: - That may, at its sole discretion, accept all or part of the subscription and terminate it at any time. - That this is an investment whose value and returns fluctuate; the past is not indicative of the future. These securities are offered by a prospectus containing important detailed information about them, including costs. I have received the Prospectus in force. For a subscription at the workplace, I authorize or its representative to transmit this application to my employer and I ask the latter to deduct the above-mentioned amount from my salary, and provide with a statement that includes my name, address, date of birth, and social insurance number. To buy Category A, Series 1 shares and to register a RSP: I ask to take part in the RSP; I ask to take steps to register this document as a registered RSP, in accordance with the Income Tax Act (Canada); I have read the Annuity contract on the reverse side and accept all of its provisions; I understand that this contract could be amended by Viaction without prior authorization from me, as stipulated in article 11 of the contract. I give the mandate to represent me in all aspects with regard to the Retirement Savings Plan and the non-registered plan. I authorize to verify my identity whenever required by law by using an independent and reliable identification product, or by resorting to any other method provided by law. CONSENTS I have read and understood the consent granted on the reverse side regarding the collection, use and communication of my personal information and I agree. I have read and understood the consent on the back authorizing or its registrar and trustee, Viaction, to send me certain documents electronically, and I accept: Yes No X Signature of Shareholder Y Y Y Y Date M M X Signature of Contributing spouse Y Y Y Y Date M M FONDACTION REPRESENTATIVE 1. Number Last Name First Name Signature 2. Y Y Y Y M M Number Last Name First Name Date EMPLOYER S REPRESENTATIVE (IF APPLICABLE) Y Y Y Y Last Name First Name Telephone Ext. Date M M FRA585A ( )

5 REDEMPTION AND PURCHASE BY AGREEMENT WHEN AND HOW? may redeem a shareholder s shares under circumstances set forth in the act establishing. may also redeem shares under exceptional circumstances stipulated in the purchase by agreement policy approved by the Quebec Minister of Finance. This is a policy of exception. The following table is a summary. For details on requirements and the required evidence for each redemption and purchase by agreement criterion, the prospectus must be consulted. Redemption criteria Eligible shares Eligibility for subsequent purchase 65 years of age Retirement as of 45 years of age Phased retirement starting at 50 years of age Severe and prolonged disability (physical or mental) Death Death of the person who contributed to a spousal RRSP Redemption within 60 days of subscription All shares held for at least 730 days All shares held for at least 730 days Only shares subscribed before the start of the phased retirement agreement are eligible All shares All shares Ineligible for tax credits on subsequent contributions to labour-sponsored funds Ineligible for tax credits on the redemption amount only Purchase by agreement criteria Eligible shares Eligibility for subsequent purchase Redemption of pension credits for years of past service or to improve a retirement pension plan Return to full-time studies by shareholder or spouse for a minimum of 1 year Terminal illness Ineligibility for tax credits Capital injection Emigration from Canada - Decrease in the income - Recourse taken by a creditor - Extraordinary and unforeseen expense necessary for the health - Loss affecting the principal residence or one or two automobiles Home Buyers Plan (HBP) Necessary expense when a shareholder or the spouse actsas natural caregiver for a family member All shares held for at least 2 years. You must have liquidated ALL RRSPs and investments held with other financial institutions All shares held for at least 2 years Shares acquired after the return to full-time studies may not be purchased by agreement. All shares All shares subscribed while the shareholder was not eligible for tax credits All shares that have been held for at least 2 years All shares Shares acquired after the decrease in income may not be purchase by agreement under the Critical financial situation criterion You must have liquidated ALL of your RRSPs and investments held with other financial institutions All shares issued within 90 days or more and transferred to the RRSP up to the maximum permitted under the HBP You must have liquidated ALL of your RRSPs held with other financial institutions All shares held for at least 2 years At any time Ineligible or 1 year if the criterion applies for the spouse or dependent child If you become eligible once again 2 years Permanent residence in Quebec for 3 years since the return 1 year At any time 1 year

6 CONSENT FOR THE COLLECTION, USE AND COMMUNICATION OF PERSONAL INFORMATION * 1. and Viaction are subject to An Act Respecting the Protection of Personal Information in the Private Sector and adhere to the confidentiality rules contained therein with regard to my personal information. 2. I recognize that the information provided in this application, including my social insurance number, is needed to verify my identity; to provide, on an ongoing basis, the benefits to which I am entitled, to prevent errors and fraud, and to meet legal requirements. 3. I understand that only employees or agents of and Viaction qualified to know this information and who need access to it to carry out their duties or fulfill their mandate will have access to it. 4. Subject to the above limitations, I consent to and Viaction communicating and using my personal information to establish and maintain my contractual relation with them. 5. In the case of a workplace subscription application, I authorize to transmit this application to my employer and ask the latter to provide to a statement including my name, address, date of birth and social insurance number. 6. My consent is valid for the period necessary to establish and maintain my contractual relation with and Viaction. 7. I understand that I may see the contents of my file at and Viaction and, where applicable, ask that inaccurate, incomplete, ambiguous or illegally obtained information be corrected by submitting a written request directly to or Viaction: Viaction Insurance Inc 2175 De Maisonneuve Boulevard East, Suite , De Maisonneuve Boulevard East, Suite 210 Montréal, Québec, H2K 4S3 Montréal, Québec, H2K 4S3 *This consent constitutes notice under section 8 of An Act Respecting the Protection of Personal Information in the Private Sector. CONSENT FOR THE ELECTRONIC TRANSMISSION OF DOCUMENTS 1. Any other document or information not prescribed by statute or regulation applicable to or Viaction regarding its operations, products and services, business, or relations with its shareholders. a. Statements of investment b. Transaction confirmation, if provided by c. Confirmation of the number of shares held and the amounts paid d. Prospectus in effect, when required e. Annual financial reports* f. Interim financial reports* g. Relevés 10 h. Documents related to powers of attorney i. Any other document or information not prescribed by statute or regulation applicable to or Viaction regarding its operations, products and services, business, or relations with its shareholders. 2. All documents transmitted electronically will be: a. Sent by to the address provided in Section 2 of the Application and Subscription form or b. Placed in my on-line account on the Web site ( and will send me an entitled Electronic deposit of a document notifying me that a document was sent, the type of document and the way to find it on the site. 3. I acknowledge that, upon request, I may receive from a paper copy of any document sent electronically at no additional charge. 4. I understand that I will receive a paper copy of any document normally sent electronically should the electronic delivery system not work properly. 5. I understand that I am not required to consent to the electronic transmission of documents and that my consent may be revoked or amended at any time, including the address to which documents and information are sent to me, by logging into my online account or by writing to or Viaction: Viaction Insurance Inc 2175 De Maisonneuve Boulevard East, Suite De Maisonneuve Boulevard East, Suite 210 Montréal, Québec, H2K 4S3 Montréal, Québec, H2K 4S3 * Financial reports include audited financial statements which contain the notes and auditor s report, management discussion and analysis, statement of development capital investments, at cost, statement of other investments and the index of the share of in investments made by the specialized or partners funds, at cost. WARNING REGARDING THE USE OF LOANS Using borrowed money to finance the purchase of securities involves greater risk than a purchase using cash resources only. If you borrow money to purchase securities, your responsibility to repay the loan and pay the interest as required under its terms remains the same regardless of whether the securities increase or decrease in value.

7 VIACTION AND FONDACTION STATEMENT Viaction Insurance Inc (Viaction) and, le Fonds de développement de la Confédération des syndicats nationaux pour la coopération et l emploi () declare that pursuant to the Trustee, Registrar and Outsourcing Services Agreement (the Agreement ) binding them, they have agreed that shall assume the following tasks for and on behalf of Viaction: administrative tasks associated with the function of registrar, the issuance of Retirement Savings Plans (RSPs) and the annuity contracts under which they are issued; administrative tasks associated with the designation of beneficiaries; administrative tasks associated with the bookkeeping for Viaction as the registrar, issuer of RSPs and insurer and trustee for annuity contracts; the mailing of investment statements and tax slips to contributing shareholders; the provision of required forms; the maintenance and administration of a customer service team for shareholders and representatives (FRs); the digitization and storage of documents relating to such tasks; and the management and administration of computer systems. Consequently, some of the tasks that the shareholder or the contributing spouse (spousal RSP) authorizes to perform under this Application shall be performed by for and on behalf of Viaction. The shareholder or the contributing spouse (spousal RSP) may obtain a copy of the Agreement free of charge by consulting the documents published on the SEDAR website ( RETIREMENT SAVINGS PLAN FOR SHAREHOLDERS OF FONDACTION, LE FONDS DE DÉVELOPPEMENT DE LA CONFÉDÉRATION DES SYNDICATS NATIONAUX POUR LA COOPÉRATION ET L EMPLOI WHEREAS the shareholder (hereinafter called the Annuitant ) wishes to set up a Retirement Savings Plan (hereinafter the Plan ) in accordance with the Income Tax Act (Canada) and the Taxation Act (Québec) (hereinafter called the Income Tax Acts ); WHEREAS Viaction Insurance Inc., a legally incorporated company with its head office in Montréal, province of Québec, is authorized to exercise the activities of trustee (hereinafter called the Company ) with regard to the annuity contracts it administers; WHEREAS the Company hereby accepts to act as trustee for the Annuitant, who has signed the Application and Subscription Form for the Retirement Savings Plan for shareholders of, le Fonds de développement de la Confédération des syndicats nationaux pour la coopération et l emploi (hereinafter called ); WHEREAS the Annuitant has mandated as his or her representative with the Company for the purpose hereof; NOW, THEREFORE, the Annuitant and the Company agree as follows: Section 1 Eligibility Any individual no more than 71 years of age may enrol in the Retirement Savings Plan by completing and signing the Application and Subscription Form. By entering the Annuitant s date of birth on the back of this form, the Annuitant certifies the said date and commits to providing additional proof that may subsequently be reviewed. Section 2 Registration The Company shall be responsible for administering the Plan and registering it with the taxation authorities. No advantage, such as this term is defined in subsection (1) of the Income Tax Act (Canada), and that is conditional in any way on the existence of the Plan, may be extended to the Annuitant or to a person with whom the Annuitant is not dealing at arm s length. Section 3 Definition of Spouse The term Spouse includes any individual who is recognized as the legal spouse or common-law partner under the provisions of the Income Tax Act (Canada). Section 4 Eligible investments and the Annuitant s account Class A, Series 1 shares are the only type of contribution eligible for the Plan. The Annuitant may from time to time make contributions to the Company. The Company shall maintain a separate account for the Annuitant at all times. Section 5 Annuitant s responsibility The Annuitant shall be responsible for ensuring that the contribution amounts do not exceed the maximum amount permitted under the Income Tax Acts. The Company shall assume no responsibility in this regard. Section 6 Plan maturity If, 30 days before the end of the year in which he or she reaches age 71, the Annuitant has not provided the Company with written instructions as to the form of his or her retirement income, the Company shall convert the redemption value of the Class A, Series 1 shares to an immediate monthly annuity with a 10-year guarantee, established based on the life of the Annuitant, as applicable. The amount of the monthly annuity shall be equal to: Redemption price of Class A, Series 1 shares and fractional shares 295 The redemption price of Class A, Series 1 shares and fractional shares used herein is defined in the Prospectus. Annuity contract Section 7 Over-contributions Upon the Annuitant s written request, the Company shall transfer into the Annuitant s non-registered share account all the necessary funds to reduce the taxes that would otherwise be payable under Part X.1 of the Income Tax Act (Canada), when the Annuitant s RSP contributions exceed the amounts stipulated in the Income Tax Act (Canada). Section 8 Retirement income Prior to maturity, the Plan shall make no provision for the payment to the Annuitant of any benefit other than the retirement pension or refund of premiums (contributions). After maturity, the Plan shall make no provision for the payment to the Annuitant of any premium (contribution), or benefits other than the retirement income or total or partial conversion of the retirement income as provided for in the Plan as part of a conversion stipulated under the Income Tax Acts. Payment of the retirement income to the Annuitant shall only be made as equal periodic payments at intervals not exceeding one year, up until payment is made from the total or partial conversion of the retirement income, and thereafter, in the event of partial conversion, as equal periodical payments at intervals not exceeding one year. Every payable pension under this Plan that becomes payable to a person other than the Annuitant under this Plan shall have to be converted. No retirement income provided for under the Plan may be assigned in whole or in part. Section 9 Restriction in the event of the Annuitant s death The total of the periodic retirement pension payments made during the year following the death of the first Annuitant must not exceed the total amount of payments made during each year before death. Section 10 Benefits in the event of the Annuitant s death In the event of the Annuitant s death, the Company shall pay death benefits to the beneficiary designated on the Application and Subscription Form or to the Annuitant s estate, where applicable. Section 11 Changes to the Plan The Company may amend this Plan to ensure that it complies with registration conditions of the Income Tax Acts at all times, and any amendment shall have been approved by the Canada Revenue Agency. In addition, the Company may, from time to time, amend the terms and conditions of this Plan after reaching an agreement with. Section 12 Responsibility of the Company The ultimate responsibility for the Plan rests with the Company. With the exception of negligence on its part, the Company shall not be liable for any action or omission, nor for any loss or depreciation in the value of the investments. Section 13 Change of Trustee Subject to applicable provisions of the Income Tax Acts, may terminate this binding agreement upon a 180-day notice. The Company may also resign from its duties upon giving the same amount of notice. shall be responsible for replacing the Company and appointing a new trustee.

8 FONDACTION.COM WHAT YOU WILL FIND THERE YOUR ON-LINE ACCOUNT: Your on-line account is only a few clicks away! You may: Access your account balance Access your statement of transactions Access your RL Slips Update or change your address 1- Go to fondaction.com 2- Click on 3- Click on to obtain your user ID and password INFORMATION ON: How to save for retirement How to manage your account How to make the most of your RRSP 2175 De Maisonneuve Boulevard East, Suite 103 Montréal, Québec H2K 4S3 Telephone: info.actionnaires@fondaction.com fondaction.com

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