DFS Investments SFL Investments. Univeris Processing

Transcription

1 DFS Investments SFL Investments Univeris Processing June 08

2 Table of contents Table of contents... Introduction... Entry Rules... 8 Opening an Account... 8 Creating the Primary Owner's Account... 8 Entering Additional Information (Modifications June 08)... Entering an Additional Related Party... Entering an Additional Address... Entering a Phone Number... Entering an Address... Entering the Account Acquired Option... Entering Information on the Owner and Creating a KYC... Entering the Owner s KYC Information... Entering the Investment Characteristics... 8 Entering the KYC General Information... 9 Entering the Employer s Address... 0 Entering the Client s Gender... 0 Entering Foreign Tax Reporting (Modifications June 08)... Confirming Receipt of Documents... Creating a Plan... Creating the Plan KYC... Creating a Plan... Creating Funds... Updating a KYC... Modifying Information on the Owners and the Plan KYC... Updating the Plan KYC Information... Processing a Purchase... 9 Entering the Transaction... 9 Purchasing Segregated Funds... Purchasing a Fixed Income Product or a Fixed-Rate Term Investment Product... Processing an External Transfer In for Mutual Funds, Segregated Funds and Accumulation Annuities.. Entering the Transaction... Processing Switches for Mutual and Segregated Funds... 8 Page of

3 Entering the Transaction... 8 Processing Internal Transfers for Mutual and Segregated Funds... Processing an Internal Transfer in a Client Name or Intermediary Account... Processing an Internal Transfer in a DFS Investments/SFL Investments Self-directed Account... Processing a Redemption... 9 Entering the Transaction... 9 Entering a Redemption for a Specific Amount from Several Funds... Validating the transaction... Processing a Renewal for Fixed Income Products and Accumulation Annuities... Entering the Transaction... Entering the Source of Funds... Entering Investment Instructions... Processing a Deposit into the Cash Control Account... 9 Enter the Transaction... 9 Processing a Withdrawal from the Cash Control Account... 0 Enter the Transaction... 0 Processing a Single Commission Split... Entering a Commission Split... Consulting the Transaction Commission Split... Modifying a Commission Split... Printing the ''Order Commission Split Report''... 8 Processing a Saved Order... 9 Processing the Close Deposit Batch... 8 Processing Automatic Transactions in a Client Name or Intermediary Account... 8 Processing Automatic Transactions in a DFS Investments/SFL Investments Self-Directed Account... 8 Adding or Modifying a Pre-Authorized Chequing Plan (PAC)... 8 Adding or Modifying an Automatic Withdrawal Program (AWD)... 8 Adding or Modifying a Fund... 8 Limited Trading Authorization (LTA)... 8 Changing a Client s LTA Status... 8 Processing a Client s Transactions with a LTA Revoking a LTA Making a Non-financial Change (Modifications June 08) Modifying a Client s Name Page of

4 Adding or Modifying an Address... 9 Modifying the Province or the Country of Residence... 9 Adding or Modifying a Telephone or a Fax Number... 9 Modifying Foreign Tax Reporting... 9 Adding or Modifying an Address... 9 Adding or Modifying Banking Information... 9 Modifying the Method of Payment to Electronic Funds Transfer... 9 Adding or Modifying a Beneficiary under a Plan... 9 Adding or Modifying an Annuitant or a Beneficiary under a Segregated Fund Modifying the Dividend Distribution Processing an Estate Entering the Owner s Date of Death for an Individual Account and Add «Estate of» Before the Name of the Client Entering Related Parties... 0 Particularities of a Joint Account... 0 Entering Information on Fee for Service... 0 Entering Information at Client Level Fee for Service... 0 Entering Information at Plan Level Fee for Service... 0 Consulting Wrap Fees Generating a Wrap Fee Report Generating a Wrap Fee Transaction Report... 0 Entering and Consulting a Note... Entering a Note... Finalizing a Follow-up or an Action to Take... Consulting a Note... Displaying the Outstanding Notes... Processing a Change of Advisor... Verifying the New Advisor s License... Processing the Change... Processing a Loan Transaction... Processing a Loan Transaction for which the Disbursement has been Received by Head Office... Processing a Loan Transaction for which the Disbursement has not been received by Head Office... 8 Entering Information on Loans and Guarantees... 9 Managing the Family Link... Activating the Family Link... Deactivating the Family Link... Page of

5 Generating Portfolio Statements... Consulting a Tax Slip for a Self-directed Plan... Consulting a Contribution Receipt for a Self-directed Plan... 8 Displaying the List of Receipts... 8 Generating the RRSP "SD Contribution Receipt Summary" Report... 9 Processing a Fixed Income or Accumulation Annuity Product Rates Inquiry... 0 Consulting the Fixed Income Product and Accumulation Annuity Catalogue... Finding Details about the Fixed Income Product Issuer or the Insurance Company... Finding Details about the Fixed Income or Accumulation Annuity Product... Consulting the Official Statement of a Client... Consulting the Fund Facts Release History... Consulting the Electronic Statement Agreement... Consulting the Foreign Tax Status of a Client... Generating a Daily Transaction Activity Report (Modifications June 08)... Generating a Trustee Fee Report... 8 Generating the Report... 8 Definition of Fee Statuses... 8 Generating the ''RRSP Age Limit Listing'' Report... 9 Generating the ''RRIF/LIF/LRIF Summary'' Report... 0 Generating the Maturity Report for a Fixed Income or Accumulation Annuity Product... Generating the Capital Gains or Losses Report... Generating a PAC / AWD Account Register Report... Generating a Client List... Generating a Client List... Saving a Client List... Generating a Follow-up Report... Processing the Fixed Income Product and Accumulation Annuity Monthly Reconciliation File... 8 General Information on the Monthly Reconciliation File... 8 Entering a Purchase for a Fixed-Interest Investment or a Fixed Income Product... 9 Entering an External Transfer in in a Fixed-Interest Investment... 0 Entering an External Transfer in in a Fixed Income Product... 0 Entering a Purchase for a Market-Linked Term Investment (Guarantee Advantage) in a Closed Campaign... 0 List of Occupations... Page of

6 List of Business Fields... 0 List of Compliance Codes... Page of

7 Introduction Table of contents This guide is designed for the people who lookup and enter data in Univeris. Its goal is to facilitate data lookup and the entry of financial and non financial transactions for mutual funds, segregated funds, fixed income products and Accumulation annuities. Below is the meaning of the icons used: Icon Meaning Refers to an element of an illustration (screens, menus, etc.) Does not refer to an illustration (screens, menus, etc.) Optional step Warning Explanatory note Link to the Table of contents Link to the beginning of a section Page of

8 Entry Rules Enter the information in Univeris in uppercase with no accent. Table of contents In the Last name, First name and Address fields, hyphens and apostrophes can be used. Symbols such as?, cannot be used. In an address and a note, hyphens, apostrophes and the above-mentioned symbols can be used. Opening an Account Creating the Primary Owner's Account Table of contents Ensure that the client s account does not already exist in Univeris. Some mandatory information may not be applicable for certain types of account such as corporate, formal trust and estate accounts. When this is the case, enter N/A in the mandatory fields for the transaction not to be considered incomplete. Click on the New Client link in the left-hand menu. Check the appropriate registration type. Page 8 of

9 Primary contact s profile a Enter the advisor s -character alphanumeric code. a Click on Search to find the advisor code among all active advisors. Enter the client s Social Insurance Number (SIN). Select the Salutation. Enter the client s first name and initials. Enter the client s last name. Enter the client s birth date. Client details and preferences a b c d Ensure that the Active status is selected. Select the client s language of correspondence. Select the client s province of residence. Check the box "CRA Form NR0 On Record" if the client is a non-resident, if he owns a Self-directed account and the form NR0 has been filled out. Enter the date of signature of the NR0 form. Page 9 of

10 If the plan being opened is a DFS Investments/SFL Investments Self-directed account, enter the following information: a b Select the Monthly option. Select the Cheque or Electronic Funds Transfer option if banking information is provided. If the "Cheque" option is selected or if the field is blank, payments will be paid by cheque to the account owner. c d d Select the Print Output option only. Select the Normal Fee option. Select the Withdrawal/Redemption option. For joint accounts, check off the "All Signatures Required" box when both clients have signed the "Account Opening" form. Primary address Select the client s country of residence. Enter the name of the person to whom the address refers to in the c/o field. Enter the civic number. Enter the street name. Enter the building, the apartment number and the post office box, if applicable. Enter the client s city of residence. Select the client s province of residence. Enter the postal code. Click on "Save". If there is a related party, fill out the Related Party section. Page 0 of

11 Related party This section appears only when a Joint or In Trust For (ITF) registration is selected. Only information about the first joint owner or beneficiary ("In Trust For") should be shown in this section. When there are several joint owners or beneficiaries, their information should be shown in the Related Parties section once the client s account has been created in Univeris. Select the Salutation. Enter the related party s first name. Enter the related party s last name. Enter the related party s SIN. Enter the related party s birth date. Select the related party s Gender. Click on "Save". Page of

12 Entering Additional Information (Modifications June 08) Table of contents Entering an Additional Related Party Entering an Additional Address Entering a Phone Number Entering an Address Entering the Account Acquired Option Entering an Additional Related Party This section should be completed when a person is authorized to give instructions in an account held by another person, individual or legal, when: there is more than one co-owner; o o o o o the person is the administrator of a company; or the person is the authorized signing officer (power of attorney); the person is a person exercising control over an entity; the person is a liquidator for an estate; the person is a trustee, settlor and formal trust beneficiary. Click on the Related Parties link under Clients in the left-hand menu. Click on Add. Enter the necessary information. Click on Save. Information regarding the occupation, identity and contact information (not required for a beneficiary) can only be entered after saving the type and the first and last name of the related party. Click on Edit. Enter the required information under Foreign Tax Reporting. Enter the occupation and the identity in the KYC tab. 8 Enter the address in the Address tab. 9 Enter the phone number in the Phone / Fax tab. 0 Enter the address in the Address tab. Click on Save. Page of

13 Entering an Additional Address Only the primary address is given to fund companies. They must be informed if an additional address must be used Click on Communications under Clients in the left-hand menu. Click on the Address tab. Click on Add. Select the address type. Select the country in which this address is located. Enter the civic number. Enter the street name. Enter the building, apartment number and the post office box, if applicable. Enter the city in which the address is situated. Enter the province in which the address is situated. Enter the postal code. Click on "Save". Repeat steps to to add other addresses. Page of

14 Entering a Phone Number A same phone number type can only be used once. The phone number format must be entered as "country code, area code-xxx-xxxx". Click on Communications under Clients in the left-hand menu. Click on the Phone/Fax tab. Click on the Click here link. Select the phone type. Select the Office type for the employer telephone number. Enter the phone number. Click on "Save". To add other telephone numbers, click on and repeat steps to. Page of

15 Entering an Address Click on Communications under Clients in the left-hand menu. Click on the Address tab. Select the type. Unless otherwise specified by the client, select Home personal . Enter the address. Click on. Repeat steps to to enter other addresses. Entering the Account Acquired Option Click on Marketing from the left-hand menu. Click on Click here under Marketing. Page of

16 Select the account acquired option. Click on Save. Entering Information on the Owner and Creating a KYC Entering the Owner s KYC Information Entering the Investment Characteristics Entering the KYC General Information Entering the Employer s Address Entering the Client s Gender Table of contents Entering the Owner s KYC Information The KYC update is mandatory when mutual funds are held in the client s portfolio. Click on Details under Clients in the left-hand menu. Click on the KYC tab. Click on Add to enter the Owner s KYC information. To enter the KYC information for the joint owner, click on follow the steps below. beside the joint owner s information and Page of

17 Check the Client Related to Advisor box. Select the business type. Enter the number of dependents. Enter the name of the client s employer. Enter the client s occupation. Click on to view a complete list of occupation types. If the client s occupation is not on this list, enter it in Career Description. 9 0 Select the employment status. Check off the Compliance Update box. Select the financial institution. Enter the -digit transit number. Enter the account number. Select the Canadian Dollar option. Page of

18 Select the ID type provided by the client. Enter the number of the document used to verify the client s identity. Check the ID Verified box. Enter the expiry date of the ID document. Enter the jurisdiction of the ID document. 0 Enter the Investment Characteristics. Entering the Investment Characteristics Select the client s annual income. Select the investment knowledge. Select the net worth. Select Yes or No Page 8 of

19 Entering the KYC General Information Check off this box if a person other than one designated under the account has trading authorization over the account. Check off this box if a person other than one designated under the account has a financial interest in the account. Click on "Save". If there is missing information on the KYC, a window or message will appear indicating which information is missing. When going back to the screen, check off the compliance update box again. Page 9 of

20 Entering the Employer s Address Refer to the Entering an Additional Address section. Entering the Client s Gender Click on Marketing under Clients in the left-hand menu. Click on Click here. Enter the gender. Click on Save. Page 0 of

21 Entering Foreign Tax Reporting (Modifications June 08) Table of contents To enter the information of the co-owner(s) and other authorized signatories, click on Related Parties and follow the steps below. Click on Details under Clients in the left-hand menu. Click on Foreign Tax Reporting. Click on Edit. Select Yes or No. If the answer is Yes, go to the next step. Click on Save. If the answer to the question at is Yes, go to the next step. Select the tax residence country. For tax residences (excluding the United States) Indicate if the client has a tax identification number (TIN). If Yes, go to step. If No, go to step. Enter TIN as tax identification number. Enter the client s tax identification number. Page of

22 Click Save. Select the reason why the client has no TIN. Click Save. If you selected Other Reason, you must provide an explanation in the new field available. For the United States Select the appropriate option. Enter the TIN. Click Save. Page of

23 Confirming Receipt of Documents Table of contents In the client file, click on the Communications link in the left-hand menu. Click on the Notes tab. Click on the Click Here link to add a note. Select the option describing the document received. Select the date on which the document was received. Write a note. Click on "Save". Page of

24 Creating a Plan Table of contents Creating the Plan KYC Creating a Plan Creating Funds Creating the Plan KYC In the client file, click on the "KYC" tab. Click on the "Click here" link to add a Plan KYC. If a KYC has already been created in the account, click on Enter the type of plan. If it is a plan on which there is a loan, the description must include the reference to the loan. 8 Select the investment objective. Enter the percentage which total must equal 00%. Select the risk tolerance. Enter the percentage which total must equal 00%. Select the time horizon. Page of

25 9 0 Check off the "Compliance Update" box. Check the box "Client Signature" if it is not a LTA and if the client signature is there. If the client signature is not there, enter the information regarding the meeting between the advisor and the client. Date, time and intermediary. Click on. Creating a Plan Ensure the plan does not already exist before creating it. Client name account: o o o Non-registered plan in mutual funds: Create one plan combining all accounts opened with all fund companies under DFS Investments/SFL Investments. Non-registered plan in segregated funds and accumulation annuities: Create one plan for each insurer. Registered plan: Create one plan for each fund company and insurer. Registered plan in CIG funds: Create one plan for segregated funds and a plan for mutual funds. DFS Investments/SFL Investments Self-directed account: Create one plan per type of self-directed plan. Intermediary account: Create one plan per type of intermediary account. In the client file, click on the Portfolio link in the left-hand menu. Click on the Click here link or on to add a plan. Page of

26 8 Select the type of plan. Select the plan administrator. Client name account Non-registered: Refer to the Create a plan section for a Client name account; Client name account - Registered: fund company or insurance company; Self-directed plan: DFS Investments or SFL Investments; Intermediary account: BB or CWT. Select the contributor. Select the KYC applicable to the plan. To create a plan KYC, click on. 8 Select the Withdrawal/Redemption option for Self-directed plans. Click on "Save". Page of

27 Creating a registered plan with a joint contributor To create a registered plan with a spousal contributor, the Spouse section must be completed. Enter the plan details. Enter the spouse s first name. Enter the spouse s last name. Enter the spouse s SIN. Enter the spouse s date of birth. Click on "Save". Page of

28 Creating a Self-directed locked-in plan Enter the plan details. Select the appropriate pension jurisdiction. Click on "Save". Page 8 of

29 Creating a Self-directed retirement income fund Enter the plan details. Select the date of birth from which the annual minimum must be calculated. Select NO in the Bypass Year End AWD Update field. Check this box if all the money invested in the account is from an eligible RRIF established before 99. When the Spouse s Birthdate option was selected in Step, enter the spouse s date of birth. When the Spouse s Birthdate option was selected in Step, enter the spouse s first and last name. Click on "Save". Page 9 of

30 Designating a beneficiary under the plan In the client file click on Related Parties under Plans in the left hand menu. Click on the Click here link to add a related party linked to the plan. Ensure you select the appropriate plan Select the Beneficiary option. Enter the beneficiary s first name. Enter the beneficiary s last name. Enter the beneficiary s SIN. Mandatory step for RESPs. Enter the beneficiary s date of birth. Mandatory step for RESPs Select the relationship between the beneficiary and the plan owner. Select the beneficiary s gender. Select the beneficiary s language. Click on "Save". Page 0 of

31 Creating Funds It is possible to create funds when processing the transaction through the "Order Entry" screen. In the client file, click on Portfolio under Clients in the left hand menu. Click on the plan description. Click on the Click here link to add funds. When funds have already been created in the plan, click on. Page of

32 Enter the fund company or insurance company code. Enter the fund code. 8 Click on company. to research all funds offered by the same fund company or insurance 8 Enter the account number if it exists. Select the Payout, Reinvest, Redirect or "Payout to cash" option. Click on "Save". Designating an annuitant and a beneficiary for segregated funds Choose the appropriate plan. Click on Details under Plans in the left-hand menu. Click on the Seg. Funds tab. Click on the blue arrow under the Sel column to select the appropriate plan. The blue arrow appears when the mouse is placed on the Sel column Page of

33 Adding the annuitant information Display the Annuitant information for the appropriate account number. Click on Edit. Enter the information. Click on "Save". Page of

34 Adding a beneficiary Display the beneficiary information for the appropriate account number Click on Add. Enter the information. The percentage allocated for the beneficiaries under a plan must equal 00%. Click on "Save". Repeat Steps to to add other beneficiaries. Page of

35 Updating a KYC Table of contents Modifying Information on the Owners and the Plan KYC Updating the Plan KYC Information Modifying Information on the Owners and the Plan KYC Some mandatory information may not be applicable for certain types of account such as corporate, formal trust and estate accounts. When this is the case, enter N/A in the mandatory fields for the transaction not to be considered incomplete. In the client file, click on the Details link in the left-hand menu. Click on the KYC tab. Click on Edit. To modify KYC information for the joint owner, click on Modify beside the joint owner s information and follow the below noted steps. Modify the client s KYC information based on the documents received. Page of

36 Check the Compliance Update box. Check the "Client Signature" box if the client signature is present. If the client signature is not present, enter the information regarding the update method used by the advisor and the client. Date, time and intermediary. Click on. Modifying the proof of identity Select the ID type provided by the client. Enter the number of the document used to verify the client s identity. Check off the ID Verified box. Enter the expiry date of the ID document. Click on. Modifying the investment characteristics Modify the client s investment characteristics based on the documents received. Click on. Page of

37 Modifying the spouse s information Modify the spouse s information based on the documents received. Click on. Modifying the general KYC information Modify the general KYC information based on the documents received. Click on "Save". Updating the Plan KYC Information a In the client file, click on the Details link under Clients in the left-hand menu. Page of

38 Click on Edit to the right of the appropriate plan under the Plan KYC section. a To remove a KYC, click on "Delete" to the right of the appropriate plan. Modify the plan KYC information. Check off the Compliance Update box. Check the "Client Signature" box if the client signature is present. If the client signature is not present, enter the information regarding the update method used by the advisor and the client. Date, time and intermediary. Click on. Page 8 of

39 Processing a Purchase Table of contents Entering the Transaction Purchasing Segregated Funds Purchasing Fixed Income Product or a Fixed-Rate Term Investment Product Entering the Transaction Segregated funds: Create one plan for each insurer before processing the purchase. Refer to the Create a Plan section. Self-directed plans: For online payment, head office enters the deposit in the cash control account (CCA) and the advisor or the branch must enter the purchase transaction. No entry is necessary for: o o Deposits in group registered retirement savings plans (GRSP) under a Client Name or Intermediary account, a purchase in the daily interest or with an automatic instruction in a Client Name account. For these situations, create the plan and the fund. Deposits to the intermediary s cash account. The cheque should be payable to the intermediary. Forward the instructions and the cheque to the intermediary. The business day following submission of the cheque, verify the amount available in the cash account. 8 9 Click on the Orders tab. Click on the Purchase link on the left-hand menu. Enter the client s Univeris identification number. If the client's Univeris identification number is unknown, click on "Search". Select the appropriate plan from the drop-down menu. To add a new plan, select New. Page 9 of

40 8 9 Select the trust company: For mutual fund purchases: Mutual fund. For Segregated fund and Accumulation annuity purchases: Segregated fund. Choose the appropriate option for registered plans: Contribution general new money being invested. Sheltered transfer money from the intermediary cash account or from the cash management account in the case of DFS Investments/SFL Investments Self-directed plans. TD new money from a retiring/severance allowance. For Segregated fund and Accumulation annuity purchases, select the signing province. Check off the "Purchase from Cash Account" box if the money comes from the Cash Control Account. Check off the "Client Signature Received" box if the client's signature appears on the "Letter of direction". Entering the source of funds for an electronic funds transfer (EFT) purchase Choose the source of funds from the drop down menu. Choose the Client EFT Deposit» option. Select the appropriate bank account. Enter the amount of the EFT. Click on Add. Entering the source of funds for a purchase by cheque Choose the source of funds from the drop down menu. Choose "Intermediary cash account" when the purchase comes from sums available in the Intermediary cash account. Select the Select the "Client Cheque Deposit" or the Institutional Cheque option. Select the currency. Enter the cheque number. Enter the amount of the cheque. Click on Add. Repeat steps to for each additional cheque. Page 0 of

41 Entering the investment instructions a b 8 9 Select the type of product. a b For a mutual or segregated fund, choose the New Product option or select the existing product from the drop-down menu. For a fixed income product or an Accumulation annuity, always choose the New Fixed Interest Investment Product option. Enter the fund company, issuer or insurance company s code. Enter the product code. Click on Search to obtain information on the product. Select the Dollar option. Enter the amount. Apply the default commission, OR Enter the commission percentage for front-end load (FEL) funds. 8 Choose the appropriate option for an initial purchase: Payout dividends will be paid to the client; Reinvest dividends will be reinvested in the same funds; Redirect dividends will be reinvested in another fund with the same fund company. "Full cash payment" dividends will be deposited in the Cash Control Account. Enter the dividend option before proceeding with the first transaction. The option will be forwarded to fund companies for the first transaction only. 9 Click on Add. 0 Repeat steps to until all the money is allocated. To process a purchase: a b For a segregated fund, refer to the Purchasing Segregated Funds section. For an Accumulation annuity, refer to the Purchasing a Fixed Income Product or a Fixed-Rate Term Investment Product section. Validate the transaction. Refer to the "Validating the Transaction" section. Page of

42 Purchasing Segregated Funds When purchasing segregated funds, the following screen will appear. The annuitant and the beneficiary information must be entered. Entering the annuitant information Complete the Annuitant Information section only for: Corporate accounts; In trust for accounts; and Joint accounts Check off the box to display the information fields. Select the title of the annuitant. Enter the annuitant s first name. Enter the annuitant s last name. Enter the civic (street) number. Enter the street name. Enter the post office box, building and the apartment number in the appropriate field if applicable. Enter the annuitant s city of residence. Select the annuitant s province of residence. Select the annuitant s country of residence. Enter the postal code. Enter the annuitant s Social Insurance Number. Enter the annuitant s date of birth. Enter the beneficiary information. Page of

43 Entering the beneficiary information 8 Select the beneficiary type. Enter the beneficiary s first name. Enter the beneficiary s last name. Enter the percentage. Make sure the total percentage equals 00%. Select the relationship between the beneficiary and the owner. Click on Add. Repeat steps to to add other beneficiaries. Non-applicable for Self-directed or Intermediary accounts. 8 Click on Continue to process the transaction. Page of

44 Purchasing a Fixed Income Product or a Fixed-Rate Term Investment Product Entering the information on the fixed income product or fixed-rate term investment When purchasing a fixed income product or a fixed-rate term investment product, the following screen is displayed. Press Tab two times in order to fill the "Base Rate" field. a Modify the rate in the Base Rate field. Make sure that all fields by default are filled. Click on "Continue" to return to the purchase page. Purchasing a Market-Linked Term Investment Product When purchasing a market-linked term investment product, the following screen is displayed: Click on Continue. Page of

45 Processing an External Transfer In for Mutual Funds, Segregated Funds and Accumulation Annuities Table of contents Entering the Transaction For in cash external transfers in in a Self-directed account, the transaction must be entered upon receipt of the cheque. For fixed income products, the transaction must be entered as a purchase. Refer to the Purchasing a Fixed Income Product section Click on the Orders tab. Click on the External transfer In link on the left-hand menu. Enter the client s Univeris identification number. If the client's Univeris identification number is unknown, click on "Search". Select the plan from the drop down menu. To add a plan, select New plan. Check off the Money available box when the cheque comes with the transfer request. Select the trust company: For mutual fund purchases: Mutual fund. For Segregated fund and Accumulation annuity purchases: Segregated fund. Select the option corresponding to the transfer form received. The General contribution option must be used for non-registered plans. For TFSA to TFSA transfers, select the "Transfer of existing TFSA money" option Select the province of signature for segregated funds and Accumulation annuities. Check off the "Client Signature Received" box if the client's signature appears on the form. Click on "Trustee/Broker. Page of

46 The following information is provided by the relinquishing institution. Indicate the account number. Indicate the name of the relinquishing institution. Check off the appropriate box Client name or Nominee. Check off the box corresponding to the type of plan registration. Check off the box corresponding to the nature of the transfer. Click on Continue The Source of funds section will only appear when the Money available box is checked off in Step. Complete Steps to only when a cheque is submitted. Select the source of funds from the drop down menu. For Self-directed plans, choose between the Payable to SFLI/SFLIns. and Payable to DFSI/DINIA options Select the Institutional cheque option. Enter the cheque number. Enter the amount of the cheque. Click on Add. Repeat steps to to enter additional cheques. Page of

47 Entering the investment instructions b c d Select the fund code from the Holdings drop down menu. To add a new mutual fund, segregated fund or accumulation annuity product: a b c d Choose the New product option. Enter the fund company code. Enter the fund code. Click on "Search" to obtain information on the product. Select one of the following types: Dollars Percentage Remainder (pending trades) Choose the Dollars option for transfers to a DFS Investments/SFL Investments Self-directed plan. Enter the amount. For in kind external transfers in or if the amount is unknown, enter.00 (for Client name accounts). Or Apply the default commission, Enter the commission percentage for front-end load (FEL) funds. For initial purchases, select the "Payout", "Reinvest", Redirect or "Payout to cash" option. Click on Add. Repeat Steps to until all amounts are allocated. 8 To process a transfer into: 8a 8b Segregated funds, refer to the Purchasing Segregated Funds section. Accumulation annuities, refer to the Purchasing a Fixed Income Product or a Fixed-Rate Term Investment Product section. 9 Validate the transaction. Refer to the "Validating the Transaction" section. Page of

48 Processing Switches for Mutual and Segregated Funds Table of contents To reinvest maturing labor sponsored funds, only enter a note in Univeris. This type of switch must be within the same fund company. Instructions must be sent directly to the fund company or the intermediary. Entering the Transaction Click on the Orders tab. Click on the Switch link in the left-hand menu. Enter the client s Univeris identification number. When the Univeris client identification number is unknown, click on Search. Select the appropriate plan from the drop down menu. Information on the Cash Control Account (CCA) will only appear for Self-directed accounts. Select the trust company: For mutual fund purchases: Mutual fund. For Segregated fund and Accumulation annuity purchases: Segregated fund. Indicate the signature province for segregated funds only. Page 8 of

49 Check off the Client Signature Received» box when the client s signature appears on the form Select the appropriate outbound fund code. Select the appropriate type from the following options: Type Meaning Dollars Units Percentage Total Free All Shares Free Matured Free not Matured A specific amount A specific number of units A specific percentage All the assets of the fund Switch free units (0%) + matured units Switch matured units only Switch free units (0%) only 0 Indicate the amount when the Dollars, Units or Percentage option is selected. Ensure there are sufficient assets in the fund before authorizing the transaction. Select the Gross option. Click on Add. Repeat steps to to select other outbound funds. Page 9 of

50 a b c 8 Select the inbound fund code. Always chose an inbound fund from the same fund company or insurance company as the outbound fund. To add a new product: a b c Select the New Product option. Enter the fund company or insurance company code. Enter the fund code. Click on to get information on the fund. Select the appropriate type from the following options: Type Meaning Dollars Units Percentage Remainder A specific amount A precise number of units The total percentage for the switch must always equal 00%. Choose this option for free units. The balance of the amount of the switch Use this with the last inbound fund selected. Indicate the amount when the Dollars, Units or Percentage : option is selected. Always indicate 00% for free units. 8 Select the Gross option. Click on Add. 9 Repeat steps to to add other inbound funds. 0 Validate the transaction, refer to the "Validating the Transaction" section. Page 0 of

51 Processing Internal Transfers for Mutual and Segregated Funds Processing an Internal Transfer in a Client Name or Intermediary Account Processing an Internal Transfer in a DFS Investments/SFL Investments Self-directed Account Processing an Internal Transfer in a Client Name or Intermediary Account Table of contents The following steps apply to both internal transfers in kind and in cash for mutual funds and segregated funds. Entering the transaction Click on the Orders tab. Click on the Internal transfer link on the left-hand menu. 8 Enter the client s Univeris identification number. If the client's Univeris identification number is unknown, click on. Select the plan from which the money is coming. Select one of the following options for registered plans: Appropriate form. "Sheltered Transfer" when the transfer is to the same type of plan or between two registered plans with the same owner. Transfer of existing TFSA cash when the transfer is between TFSA plans. Check off the "Client Signature Received" box if the client's signature appears on the form. Page of

52 8 Check off the All box when all the funds are redeemed and they come from the same plan. Check off the "In kind" box for in kind transfers Select the outbound fund code from the Holding drop down menu. Select the type. Dollars Units Total Percentage Free All Shares Free Matured Free not Matured Type A specific amount A specific number of units All assets in the fund A specific percentage Meaning Redeem free units (0%) + matured units Redeem matured units only Redeem free units (0%) only Show the amount of the transfer only if the Dollars, Units or Percentage option is selected in the Type field. Select Net or Gross Click on Add. When a net redemption is entered in an Intermediary account, this means that the amount is net of deferred sales charge (DSC) only. Taxes and fees are deducted from the amount redeemed. For the net amount to enter in Univeris (taxes and administration fees for Intermediary accounts included), contact the intermediary. Page of

53 a 8 Check off the "Same Client" box when the transfer is under the same client's Univeris identification number. Check off the "Same Plan" box only if the transfer is within the same plan (non-registered plans only). Select the appropriate plan from drop down menu. To add a new plan: a b c Select the "New Plan" option; Select the required "Plan Type" from the drop down menu that will appear on the screen; Enter required new plan information including the plan KYC. 8 Select one of the following options: Appropriate form; Contribution general when the transfer is from a non-registered to a registered plan; "Sheltered Transfer" when the transfer is to the same type of plan or between two registered plans with the same owner. Transfer of existing TFSA cash when the transfer is between TFSA plans. Select the signature province for segregated funds only Page of

54 9 9b 9c 9 Select the inbound fund. To add a new product: 9a Choose the New product option; 9b 9c Enter the fund company or insurance company code; Enter the fund code. Click on to obtain information on the fund. 0 For In kind transfers, go directly to the Validating the transaction section. For In cash transfers, follow steps to. Select the type. For free unit transactions, choose the "Percent" option. Enter the amount. For free unit transactions, enter "00". or Apply the default commission. Enter the commission percentage for front-end load (FEL) funds. For initial purchases, select the "Payout", "Reinvest" or Redirect option. Click on Add. For a transfer to segregated funds, refer to the Purchasing segregated funds section Validate the transaction, refer to the "Validating the Transaction" section. Page of

55 Special features of internal transfers in cash The above message appears after the validation step of an internal transfer when it is an in cash transfer. Processing an Internal Transfer in a DFS Investments/SFL Investments Selfdirected Account Entering the transaction Click on the Order tab. Click on the Internal transfer link in the left-hand menu. Page of

56 Enter the client s Univeris identification number. If the client's Univeris identification number is unknown, click on. Select the plan from which the money is coming. Select one of the following options: Sheltered Transfer when the transfer is in the same plan or between two registered plans with the same owner. Withdrawal General when the transfer is from a registered plan to a non-registered plan or between two registered plans with different owners. Transfer of existing TFSA cash when the transfer is between TFSA plans. Check off the "Client Signature Received" box if the client's signature appears on the form Select the outbound fund code from the Holding drop down menu. Page of

57 8 Select the type: Type Meaning Dollars Units Total Percentage Free All Shares Free Matured Free not Matured A specific amount A specific number of units All assets in the fund A specific percentage Redeem free units (0%) + matured units Redeem matured units only Redeem free units (0%) only 9 0 Enter the amount of the transfer only if the Dollars, Units or Percentage option is selected in the Type field. Select Net or Gross. Click on Add. When a net redemption is entered in a self-directed account, this means that the amount is net of deferred sales charge (DSC) only. Taxes and fees are deducted from the amount redeemed. For the net amount to enter in Univeris (taxes and administration fees for Self-directed accounts included), contact head office. a a Check off the "Same Client" box when the transfer is under the same client's Univeris identification number. Enter the client's Univeris identification number if the transfer is for a different client's Univeris identification number. Check off the Same Plan box when the transfer is in the same plan but between different fund companies. Select the appropriate plan from the drop down menu if the transfer is to a different plan than the one that is providing the funds. Select one of the following options: a a Sheltered Transfer when the transfer is in the same plan or between two registered plans with the same owner. Withdrawal General when the transfer is from a registered plan into a non-registered plan or between two registered plans with different owners. Transfer of existing TFSA cash when the transfer is between TFSA plans. Page of

58 c b Select the inbound holding from the Holding drop down menu. To add a new product: a b c Choose the New product option; Enter the fund company code; Enter the fund code. Click on to obtain information on the fund. Select the type. For free unit transactions, choose the "Percent" option... Enter the amount. 8 or For free unit transactions, enter "00". Apply the default commission. Enter the commission percentage for front-end load (FEL) funds. 9 0 Make sure the "Gross" option is selected For initial purchases, select the "Payout", "Reinvest", "Redirect" or "Payout to cash" option. Click on Add. Validate the transaction, refer to the "Validating the Transaction" section. Page 8 of

59 Processing a Redemption Table of contents Entering the Transaction Entering a Redemption for a Specific Amount from Several Funds Entering the Transaction A payment to the client from the intermediary cash account does not require any entry. Add a note in the plan's "details" menu with "General Inquiry" as a subject and send all documents to the intermediary. Click on the Orders tab. Click on the Redemption link, or Withdrawal link for a cash control account, in the left-hand menu. In the case of a withdrawal, refer to the Processing a Withdrawal from the Cash Control Account section. Enter the client s Univeris identification number. If the number is unknown, click on Search. Select the plan from the drop down menu. Page 9 of

60 Select the appropriate option. Type of account Available Options Description Client Name Self-directed Cheque Client Payment New Address Client Payment New Payee & Address EFT to Account (name of financial institution and account number) Client Payment New Bank Transfer to Other Institution In Cash Transfer to Other Institution In Kind Cheque Client Payment New Address Client Payment - New Payee & Address Payable to (name of the financial institution and account number) Client Payment New Bank Funds will be paid to the account owner and mailed to the account owner s address indicated on file. Funds will be paid to the account owner and mailed to the address entered during the transaction. This option can only be selected in the following situation: To send cheques to the branch Funds will be paid to the name entered during the transaction and mailed to the address entered during the transaction. This option can only be selected in the following situations: RESP redemptions Client name estate settlements Transfers from non-registered Client Name accounts to another institution in cash in trust for the account owner Cheques payable to the dealer in trust for the account owner and send cheques to the branch Funds will be paid by Electronic Funds Transfer (EFT) to the account owner according to the banking information on file in Univeris under the Bank Accounts tab. Each bank account on file will be listed. Funds will be paid by Electronic Funds Transfer (EFT) to the account owner according to the banking information entered during the transaction. Funds will be transferred, in cash, to another financial institution. Funds will be transferred, in kind, to another financial institution. Funds will be paid to the account owner and mailed to the account owner s address on file. Funds will be paid to the account owner and mailed to the address entered during the transaction. This option can only be selected in the following situation: To send cheques to the branch Funds will be paid to the payee and mailed to the address entered during the transaction. This option can only be selected in the following situation: Cheques payable to the dealer in trust for the account owner and send cheques to the branch. Funds will be paid by Electronic Funds Transfer (EFT) to the account owner according to the banking information on file in Univeris under the Bank Accounts tab. Each bank account on file will be listed. Funds will be paid by Electronic Funds Transfer (EFT) to the account owner according to the banking information entered during the Page 0 of

61 transaction. Hold in Cash Control Account Funds will be deposited in the Cash Control Account. Intermediary Transfer to Other Institution In Cash Cheque from Trustee Transfer to Other Institution In Kind Payment to the intermediary Funds will be transferred, in cash, to another financial institution. The funds will be transferred, in cash, to another financial institution or paid to the client. The funds will be transferred, in kind, to another financial institution. Funds are deposited into the intermediary s cash flow account. When the Transfer to Other Institution In Cash option is selected, refer to the Entering the Receiving Institution Information section. When the redemption comes from a registered plan, select: "Withdrawal General" when the funds are to be paid to the account owner; The appropriate transfer form when registered funds are to be transferred to another financial institution For a segregated fund or Accumulation annuity redemption, select the province of signature. When the signature is on the dealer or insurance company s Letter of Direction or on the transfer form, check off the "Client Signature Received" box. When all funds are being redeemed and they are from the same plan, check off the "All" box. Enter the redemption instructions. Page of

62 Entering the redemption instructions Select the fund code from the Holdings drop down menu. Select the type: Type Meaning Dollars Units Total Percentage Free All Shares Free Matured Free not Matured A specific amount A specific number of units All assets in the fund A specific percentage Redeem free units (0%) + matured units Redeem matured units only Redeem free units (0%) only When the Dollars, Units or Percentage option is selected, enter the amount. Select Net or Gross. When a net redemption is entered in a self-directed or an intermediary account, this means that the amount is net of deferred sales charge (DSC) only. Taxes and fees are deducted from the amount redeemed. For the net amount to enter in Univeris (taxes and administration fees included), contact: head office for a Self-directed account; the intermediary for an Intermediary account. Click on Add. Repeat Steps to until all amounts have been allocated. Validate the transaction, refer to the Validating the Transaction section. Page of

63 Entering the receiving institution information The following steps are only necessary if funds are being transferred to another institution. The information to enter is written on the cheque Enter the name of the receiving institution. Enter the specific name or department. Enter the civic number. Enter the street name. Enter the P.O. box. Enter the apartment number or suite. Enter the city of the receiving institution. Enter the province of the receiving institution. Enter the country of the receiving institution. Enter the postal code of the receiving institution. Click on "Continue". Return to Step of the Entering the Transaction section. Page of

64 Entering a Redemption for a Specific Amount from Several Funds This section shows how to enter the redemption of an amount originating from several funds held at the same fund company and of which a fund must be only partially redeemed. Client Name and Intermediary Accounts Enter the transaction. Select the first fund from the Holdings drop down menu. Select the Total type. Click on Add. The transaction will be sent electronically by head office. Repeat Steps to to add the total redemption from other funds. Write the order number for each fund on the Letter of Direction Select the funds to partially redeem from the Holdings drop down menu. Select the Dollars type. Enter.00 in the Amount field. The $ transaction will be sent direct by head office. 9 Click on Add. A note indicating to the fund company or insurance company to redeem the balance in the last fund must be entered on the dealer or insurance company s "Letter of Direction. 0 Validate the transaction. Refer to the Validating the Transaction section. Self-Directed Accounts The transaction must be completed in two days. On day, enter the total redemption. a Select the Hold in CCA option. On day, verify the net amount of the redemption entered the day before. a Enter the balance redemption by selecting the Hold in CCA option. Once transactions are completed and monies are paid in the cash control account, process the withdrawal. Refer to the Processing a Withdrawal into the Cash Control Account section. Page of

65 Validating the transaction Table of contents b Click on Validate. If some compliance infractions are detected and they prevent the processing of the transaction: a b c d Refer to the Compliance Code list. Click on Save Order. Resolve the problem that caused the infraction. Return to the order screen, click on the "Saved Orders" link and continue to process the transaction. Click on Process to record the transaction. Page of

66 Processing a Renewal for Fixed Income Products and Accumulation Annuities Table of contents Entering the Transaction Entering the Source of Funds Entering Investment Instructions Entering the Transaction Does not apply to DFS Independent Network/SFL for Accumulation annuities. 8 Click on the "Orders" tab. Click on the "Purchase" link on the left-hand menu. Enter the client's Univeris identification number. Click on "Search" if the client's Univeris identification number is unknown. Select the appropriate plan from the drop-down menu. To add a new plan, select "New". Select the trust company: For GIC purchases: Mutual fund. For Accumulation annuity purchases: Segregated fund. Select the "Sheltered Transfer" option for registered plans only. Page of

67 8 Check the "Client Signature Received" box. Entering the Source of Funds Client name Verify that the "Source of Funds" is "Payable to Mgt. CO". Select the Canadian currency. Enter the amount of the cheque. Click on "Add". Intermediary Verify that the "Source of Funds" is "Payable to the intermediary / Mgt. CO". Select the Canadian currency. Enter the amount of the cheque. Click on "Add". Entering Investment Instructions Select the "New Product" option. Enter the fixed income product or Accumulation annuity issuer code. Enter the product code. Enter the amount. Click on "Add". Page of

68 0 Press Tab twice and the base rate for the product will populate. Enter the Bonus Rate. 8 Verify that all default fields are filled in. 9 Click on "Continue" to return to the Purchase screen. 0 Add the "Holdings". Click on "Validate". Click on "Process". At the bottom right of the screen, you will have the option to generate the GIC Investment Instructions form and the RDBA Client Information and Consent Form. Page 8 of

69 Processing a Deposit into the Cash Control Account Table of contents Enter the Transaction Enter the Transaction Click on the "Orders" tab. Click on the "Deposit" link on the left-hand menu. Enter the client's Univeris identification number. Is the client's Univeris identification number is unknown, click on. Select the appropriate plan in the drop down menu. Choose the appropriate option in the "Details" field for registered plans: "Contribution general" new money being invested. "Sheltered transfer" money from another registered plan. Entering the source of funds for an electronic funds transfer (EFT) purchase Choose the source of funds from the drop down menu. Choose the "Client EFT Deposit" option. Select the appropriate bank account. Enter the amount of the EFT. Click on "Add". Page 9 of

70 Entering the source of funds for a purchase by cheque of the client or institutional Choose the source of funds from the drop down menu. Select the "Client Cheque Deposit" or the "Institutional Cheque" option. Select the currency. Enter the cheque number. Enter the amount of the cheque. Click on "Add". Repeat steps to for each additional cheque. Processing a Withdrawal from the Cash Control Account Table of contents Enter the Transaction Enter the Transaction Click on the "Orders" tab. Click on the "Withdrawal" link on the left-hand menu. Enter the client's Univeris identification number. If the client's Univeris identification number is unknown, click on. Select the appropriate plan in the drop down menu. Page 0 of

71 Select the appropriate option among the following in the "Payee and Delivery" field: Available Options Description The funds will be paid to the account owner. Cheque Electronic Deposit of the funds Validate the method of payment under the "Details" tab of the "Preferences" section of the client file. Based on information entered in the Banking Accounts section, Univeris will determine in which account the money will be deposited according to a pre-set order. Transfer to Other Institution In cash Payable to (name of the financial institution and account number) The funds will be transferred, in cash, to another financial institution. The funds will be paid by Electronic Funds Transfer (EFT) to the account owner. When the "Transfer to Other Institution In Cash" option is selected, refer to the "Entering the Receiving Institution Information" section. Select one of the following options on the "Details" field when the withdrawal is from a registered plan: "Withdrawal General" when the funds are to be paid to the account owner. The appropriate transfer form when registered funds are to be transferred to another financial institution. 8 8 Fill in withdrawal instructions. Click on "Add". 9 Validate the transaction. Refer to the "Validating a transaction" section. Page of

72 Processing a Single Commission Split Table of contents Entering a Commission Split Consulting the Transaction Commission Split Modifying a Commission Split Printing the ''Order Commission Split'' report Entering a Commission Split The commission split entry must be processed at the same time as the transaction entry in Univeris and it will only be applied to this transaction. Enter the transaction. Click on. Enter the percentage of commission allocated to the advisor designated on the plan. The designated advisor must obtain a minimum percentage of % at the split total. Select the nd advisor splitting the commission. Page of

73 Enter the percentage of commission assignable to the other advisors. The total of percentages entered must equal 00%. Click on There must be a maximum of advisors. and continue to process the transaction. If you click on and you must enter it again. again to verify the information just entered, the split is automatically erased Consulting the Transaction Commission Split It is recommended to access the client's portfolio to verify the split after it is entered. Click on ''Portfolio'' under ''Clients'' in the left-hand menu. Select a transaction by clicking on. Page of

74 Click on for ''Purchase''. Click on the ''Order Details'' tab. The commission splits are displayed at the bottom of the screen, in the ''Commission Splits'' section. Page of

75 Modifying a Commission Split Modifying the split entry prior to the processing of the order Click on after entering the transaction. Click on. Modify the necessary information. Click on and continue to process the order. Page of

76 Adding or modifying a split after the processing of the order Click on. Select the client. Click on Select the plan. in the left-hand menu. Select the appropriate pending transaction. Page of

77 Click on the ''Order Details'' tab. Click on in the '' Commission Splits'' section Make the necessary changes. Click on. 9 Page of

78 Printing the ''Order Commission Split Report'' Click on. Click on under ''Administration'' in the left-hand menu. Select Order Commission Split in the ''Type'' field. Indicate the dates referring to the selected period. Click on. Print and verify this report concurrently with the ''Daily transaction blotter''. File this report with the ''Daily Transaction Activity report. Page 8 of

79 Processing a Saved Order Table of contents Saving an order Conduct the follow-up relating to saved orders to ensure that they are processed or to delete them, if applicable. Enter the transaction. Validate the transaction. Click on. Click on. Viewing a saved order Click on the Orders tab. Click on Orders Saved in the left-hand menu. Click on the transaction description. Releasing a saved order Click on the Orders Saved link in the left-hand menu. Page 9 of

80 Enter the client s Univeris identification number or click on the appropriate transaction description. If the client s Univeris identification number is unknown, click on. Click on the description and ensure that the transaction information is accurate. Click on Validate. Click on Process. Deleting a saved order Click on the Orders tab. Click on the Orders Saved link in the left-hand menu. Click on Delete to the right of the appropriate transaction. Click on OK to delete the transaction. Page 80 of

81 Processing the Close Deposit Batch Table of contents Further to a partial reinvestment request at the time of purchasing a GIC, the batch must be closed at all times, even if the invested amount differs from the amount written on the maturity cheque. The amount will have to be adjusted on the deposit slip. a Click on the Orders tab. Click on Bank Deposit in the left-hand menu. Select the type of product. A close batch must be done for each type of product. Select the appropriate option. Click on Search to submit the request. a Click on Reset to resume the request. 9 Select the deposits to be closed (the ones for which cheques are deposited at the financial institution) by checking the appropriate boxes to the right of the screen. The total of the amounts checked indicated on the screen must correspond to the total amount of the cheques to deposit. Cheques identified HO are cheques processed and cashed at head office. Click on Generate Report. 8 Print the Daily Deposit Report and close it. Page 8 of

82 9 Click on Process for the close deposit batch to be processed. 0 Ensure that the message Close Deposit Batch is done successfully is displayed and click OK. Click Reset and repeat steps to 8 to process another deposit. Processing Automatic Transactions in a Client Name or Intermediary Account Table of contents Open the account for a new client Create the plan and the funds. Add a note in the «Notes» tab of the «Details» menu. Choose General as subject. Processing Automatic Transactions in a DFS Investments/SFL Investments Self-Directed Account Table of contents Adding or Modifying a Pre-Authorized Chequing Plan (PAC) Adding of Modifying an Automatic Withdrawal Program (AWD) Adding or Modifying a Fund Adding or Modifying a Pre-Authorized Chequing Plan (PAC) Click on the "Auto Instructions" link in the left-hand menu. Click on the link under the "Type" column to see information on the automatic transactions. Click on: Edit to modify or stop a pre-authorized chequing program. Add to add an automatic transaction. The blackout period is :00 p.m. the business day prior to the withdrawal date. Page 8 of

83 8 9 0 Select the PAC-Dollar option. Choose the status of the automatic transaction: Option Internal Active Internal Inactive Description Active automatic transaction Inactive automatic transaction Select the plan. Indicate the total amount of the PAC. Select the contributor. Select the frequency. Select the Electronic Funds Transfer option. Select the banking information. When adding or modifying banking information for an existing PAC, reselect the new banking information while modifying the PAC. Indicate the start date. To stop a PAC, enter the stop date if it is known. Add or modify the funds - refer to the Adding or Modifying a Fund section. Page 8 of

84 Adding or Modifying an Automatic Withdrawal Program (AWD) Any AWD set-up made during the blackout period will only be processed for the next payment date. The blackout period is three () business days prior to the payment date. Select the AWD-Automatic Withdrawal option. Choose the status of the automatic transaction: Option Description Internal Active Internal Inactive Active automatic transaction Inactive automatic transaction Select the plan. Indicate the amount of the AWD. The payment corresponds to the amount entered, minus withholding taxes and applicable fees to payments by cheque. When the "Minimum payment" or "Maximum payment" option is selected in Step 9 but the amount is for the next year, enter "$" in the "Total Amount" field. This data will be updated when the minimum or maximum amount is calculated by head office at the beginning of the year. The amount entered cannot be zero. When "Regulatory Standard Constant Net" tax calculation method is selected, the amount entered is that which will be paid to the client Indicate a start date. If it falls on a weekend or a holiday, use the previous business day. 8 To stop an AWD, enter the date only if it is known. Select the frequency. Select the target payment date. Page 8 of

85 9 Select the payment option. This option only applies to registered plans. Univeris Option Minimum Payment Elected Payment Maximum Payment Meaning The client wants to receive the mandatory annual payment. The client wants to receive a specific amount. For LIF plans: The elected amount must be between the minimum annual payment and the maximum annual payment. The client wants to receive the maximum annual payment under the LIF. 0 Select the tax calculation method: the "Regulatory Standard" option for mandatory withholding tax on the total amount for each AWD; the "Dollars" or "Percent" option if the client wishes to have additional taxes withheld from each AWD; the Regulatory Standard Net constant option if a net amount is to be paid to the client. This option appears only if the Elected Payment option was chosen at Step 9. Mandatory minimum withholding taxes will be applied first. Provincial and federal withholding amounts are shown for information purposes only. The net amount paid may vary given the applicable tax deductions will be deducted first. To have a net amount paid, select Regulatory Standard Net constant option. Depending on the option selected, it may be necessary to complete additional fields. When the Chosen Amount option is chosen at Step 9, indicate the amount of the annual payment. This amount must be greater than the minimum annual payment. When the Dollars option has been chosen at Step 0, indicate the additional amount of tax to be withheld. When the Percentage option has been chosen at Step 0, indicate the percentage (%) of tax to be withheld. Select the method of payment. Select the banking information is the payment is made by electronic funds transfer. When adding or modifying banking information for an existing AWD, reselect the new banking information while modifying the AWD. Add or modify the funds by referring to the Adding or Modifying a Fund section. Page 8 of

86 Once the AWD setup has been saved, the next payment date will appear. Adding or Modifying a Fund Click on: Edit to modify a fund; Delete to delete a fund; Add to add a new fund. Select an existing fund in the drop down menu; OR Click on Add Holding to add a fund. Enter the fund company code. Page 8 of

87 Enter the fund code. Click on Search to obtain information on the fund. Choose between "Payout", "Reinvest", Redirect or "Payout to cash". Click on "Save". 8 8 To modify an investment, change percent or amount and click on "Save". A window will appear asking if the distribution calculation should be done for all funds. If yes, the distribution will be done automatically. Click on "Save" to save the automatic transaction. Limited Trading Authorization (LTA) Table of contents Changing a Client s LTA Status Processing a Client s Transactions with a LTA Revoking a LTA Changing a Client s LTA Status Access the client s file from the Contacts tab. Click on Details under Clients in the left-hand menu. Click on the Details tab. Page 8 of

88 Click on Edit Select Authorized from the LTA Status drop-down menu. The LTA must always be activated when creating a Self-directed plan. Follow the required steps in the Portfolio tab under Clients. Click on Save. 8 8 Select «Authorized» from the «Trade Authorization Status» drop-down menu. Enter the autorisation date. The following screen should appear after activating the LTA. Page 88 of

89 Processing a Client s Transactions with a LTA Process the transaction. Leave the Client Signature Received : (LTA On File) box unchecked. If the transaction is sent by fax, check the box. The fax must be signed by the client in order to be accepted. Revoking a LTA Revoking an Advisor s LTA Transfer the request to head office for processing. Revoking a Client s LTA Revoking a client s LTA automatically blocks all the transactions for which there is an LTA. To change a client s LTA status, refer to the Changing a Client s LTA Status section. Select Revoked from the LTA Status drop-down menu Page 89 of

90 Making a Non-financial Change (Modifications June 08) Modifying a Client s Name Adding or Modifying an Address Modifying the Province or the Country of Residence Adding of Modifying a Telephone or a Fax Number Modifying Foreign Tax Reporting Adding or Modifying an Address Adding or Modifying Banking Information Modifying the Method of Payment to Electronic Funds Transfer Adding or Modifying a Beneficiary under a Plan Adding of Modifying an Annuitant or a Beneficiary under a Segregated Fund Modifying the Dividend Distribution Table of contents Modifying a Client s Name In the client file, click on the Details link in the left-hand menu. Click on Edit. Modify the necessary fields. Click. Page 90 of

91 Adding or Modifying an Address In the client file, click on the Communications link in the left-hand menu. Click on the Address tab. Click on: Edit to actually change an address. Add to add an address. Each address type can only be used once. The majority of fund companies or insurance companies only keep one address in their client file and it is the primary address that is transmitted to them. In order to use an additional address, use the "Correspondence Address" type and modify the default address for "Correspondence address" by clicking on the "Details" link in the left-hand menu. a Enter the information. a Check the Incorrect Address box if it is incorrect. Uncheck this box after you correct the address. Click on "Save". If the address change involves a change of province of residence or country, refer to the "Modifying the Province or the Country of Residence section. Page 9 of

92 Modifying the Province or the Country of Residence In the client file, click on the Details link in the left-hand menu. Click on Edit. Select the new province or the new country of residence. Check the "CRA Form NR0 On Record" box if the client becomes a non-resident, if he owns a Selfdirected account and the NR0 form has been filled out. Enter the date of signature of the NR0 form. Click on "Save". Page 9 of

93 Adding or Modifying a Telephone or a Fax Number In the client file, click on the Communications link in the left-hand menu. Click on the Phone/Fax tab. Click on: Add to add a telephone or a fax number; Edit to change an existing telephone or a fax number. Select the phone type. Each telephone type can only be used once. Enter the information. Click on "Save". Modifying Foreign Tax Reporting Refer to Entering Foreign Tax Reporting Adding or Modifying an Address In the client file, click on the Communications link in the left-hand menu. Click on the Address tab. Page 9 of

94 Click on: Add to add an address; Edit to change an existing address. Select the type. Each type can only be used once. Add or modify the information. Click on "Save". Page 9 of

95 Adding or Modifying Banking Information In the client file, click on the Bank Accounts link in the left-hand menu Click on: Add to add a bank account; Edit to change an existing bank or add an end date if the information shown is not accurate. When an end date is entered, it is retained in the system history Select the type. To add banking information applicable to all types of transactions, select the General Account Information option Select the institution. Enter the name of the account owner as indicated on the personalized cheque specimen. Select Canadian Dollar currency. Enter the -digit transit number. Enter the account number without spaces or hyphens. Enter the Start Date. The Start Date is the date from which the banking information may be used. Enter an end date. Click on "Save". Page 9 of

96 Modifying the Method of Payment to Electronic Funds Transfer The method of payment is the way used to pay the account holder for redemption under a Self-directed plan (applicable to mutual funds). In the client file, click on the Details link in the left-hand menu Click on Edit. Select the Electronic Funds Transfer option. Click on "Save". Page 9 of

97 Adding or Modifying a Beneficiary under a Plan In the client file, click on the Related Parties link under the Plan section of the left-hand menu. Select the appropriate plan. Click on: Add to add a new beneficiary; Edit to change information on an existing beneficiary. Enter the beneficiary information. Click on "Save". Page 9 of

98 Adding or Modifying an Annuitant or a Beneficiary under a Segregated Fund Displaying the annuitant and the beneficiary information Choose the appropriate plan. Click on Details under Plans in the left-hand menu. Click on the Seg. Funds tab. Click on the blue arrow under the Sel column to select the appropriate plan. The blue arrow appears when the mouse is placed on the Sel column. Adding or modifying the annuitant information Display the Annuitant information for the appropriate account number. Click on Edit Uncheck "Annuitant same as Owner". Enter the information. Click on "Save". Page 98 of

99 Adding, modifying or deleting a beneficiary a b c Display the beneficiary information for the appropriate account number. Choose the appropriate action: a b c To modify a beneficiary, click on Edit. To delete a beneficiary, click on Delete. To add a beneficiary, click on Add. Enter the information. The percentage allocated for the beneficiaries under a plan must equal 00%. Click on "Save". Modifying the Dividend Distribution Click on Holdings in the left-hand menu. Click on the fund for which the dividend distribution option is to be changed. Click on. Page 99 of

100 Modify the distribution option to "Payout", "Reinvest" or Redirect. Payout dividends will be paid to the client. Reinvest dividends will be reinvested in the same funds. Redirect dividends will be reinvested in another fund with the same fund company. "Payout to cash" dividends will be deposited in the Cash Control Account. Click on "Save". Send a dealer or insurance company s Letter of Direction to the fund company or insurance company to make the change. Processing an Estate Table of contents Entering the Owner s Date of Death for an Individual Account and Add «Estate of» Before the Name of the Client Entering Related Parties Particularities of a Joint Account The following steps must be followed for any type of account when you are informed of a death. Add a note under the Notes tab in the client s Communications menu. Indicate General as the object. Enter the owner s or co-owner s date of death. Add «Estate of» before the first name of the client. Stop the PACs and AWDs; Enter the required information for each related party exercising authority to act on the account of the deceased. Entering the Owner s Date of Death for an Individual Account and Add «Estate of» Before the Name of the Client Page 00 of

101 Click on Details under Clients in the left-hand menu. Click on Edit. Add Estate of before the first name. Enter the date of death. Click on Save. The date of death can be viewed under the KYC tab. Entering Related Parties Steps to apply if the liquidator exercises authority to act on the account. Page 0 of

102 Click Related Parties under Clients in the left-hand menu. Select Trading authorization. Enter the liquidator s first name. Enter the liquidator s last name. Select the Estate relationship. Click Save. Information regarding the occupation, identity and contact information can only be entered after saving the type and the first and last name of the related party. Click Edit. 8 Enter occupation, citizenship and identity under the KYC tab. 9 In the Address tab, enter the address. 0 Click Save. Repeat steps to 0 to add another related party. Page 0 of

103 The following steps apply if the beneficiary exercises authority to act on the account and is not already entered under Related Parties. Click Related Parties under Plans in the left-hand menu. Select the Beneficiary type. Enter the beneficiary s first name. Enter the beneficiary s last name. Click Save. Click Edit. Enter occupation, citizenship and identity under the KYC tab. 8 In the Address tab, enter the address. 9 Click Save. 0 Repeat steps to 9 to add another related party. Page 0 of

104 Particularities of a Joint Account Joint Owner, if Deceased Click on Related Parties, under Clients, in the left-hand menu. Click on Edit. Add Estate of prior to the first name. Enter the date of death. Click on Save. Entering Information on Fee for Service Table of contents Entering Information at Client Level Fee for Service Entering Information at Plan Level Fee for Service Consulting Wrap Fees Generating a Wrap Fee Report Generating a Wrap Fee Transaction Report Entering Information at Client Level Fee for Service Fee for service may be entered at only one of the following levels: At client level; At plan level. Page 0 of

105 Click on the Details tab from the client s file. Click on Edit. Uncheck the "Wrap Fee Exempt" box under the "Details" tab of the client. Enter the "Wrap Fee Effective Date". Enter the percentage. The "Flat Fee" option is not available. Enter the "Wrap Fee Payment Option". The "Redemption" option only applies to Self-directed accounts. Select the client's bank account if the option chosen at step is "Electronic Funds Transfer". 8 9 Page 0 of

106 8 9 Select the plan if the option chosen at step is "Redemption". Select the holding. If no holding is selected, the redemption will be made based on the predetermined hierarchy. Page 0 of

107 Entering Information at Plan Level Fee for Service Fee for service may be entered at only one of the following levels: At client level; At plan level. Select the applicable plan. Click on Details from the left-hand menu. Click on Edit. Uncheck the "Wrap Fee Exempt" box under the "Details" tab of the plan. 8 Enter the "Wrap Fee Effective Date". Enter the percentage. The "Flat Fee" option is not available. Enter the "Wrap Fee Payment Option". The "Redemption" option only applies to Self-directed accounts. 8 Select the client's bank account if the option chosen at step is "Electronic Funds Transfer". Page 0 of

108 9 9 Select the plan if the option chosen at step is "Redemption". If no plan is selected, the redemption will be based on the predetermined hierarchy. Consulting Wrap Fees Client Click on Fees from the left-hand menu, under Clients. Click on the Wrap Fees tab from the client s file. Consult the total fee. Plan Click on Fees from the left-hand menu, under Plans. Click on the Wrap Fees tab from the client s file. Consult the total fee. Page 08 of

109 Generating a Wrap Fee Report This report provides the clients' fee status. Click on the "Reports" tab. Click on the "Fees" link in the left-hand menu. Select the "Wrap Fee Reports" option. Select the "Fee Period". Select the appropriate "Output Option". Click on "Generate". Definition of fee status Status Wrap Fees Generated Fee Redemption Processed Wrap Fees Paid Directly Fee Redemption Proceeds Received Wrap Fees Paid Out No Investments Available for Redemption Data Exception Wrap Fees Cancelled Description It is the initial status based on the Wrap Fees receivable that are generated. Wrap fee redemption created. Wrap fees paid through Electronic Funds Transfer (EFT). Wrap fee redemption proceeds received. Wrap fees processed via compensation. Exception status when processing redemptions. Exception status when processing Electronic Funds Transfers (EFT). Cancelled status no processing. Page 09 of

110 Generating a Wrap Fee Transaction Report This report provides the status of fee redemption transactions. Click on the "Reports" tab. Click on the "Fees" link in the left-hand menu. Select the "Wrap Fee Transaction Report" option. Select the "Fee Period". Click on "Generate". Page 0 of

111 Entering and Consulting a Note Table of contents Entering a Note Finalizing a Follow-up or an Action to Take Consulting a Note Displaying the Outstanding Notes Entering a Note Entering a note in the client file In the client file, click on the Communications link in the left-hand menu. Click on the Notes tab. Click on the Click here link. If a note has already been created, click on. Select the subject of the note. Select the action. Actions Meaning Inquiry Only To Be Acted On To Be Followed Up No follow-up must be performed and no action must be taken. An action must be taken and a follow-up date must be entered. A follow-up must be performed and a follow-up date must be entered. a Select the appropriate follow-up date if the To Be Acted On or the To Be Followed Up option was selected. Enter the note. Click on Save. Page of

112 Entering a note in a plan a 8 Click on Details under Plans in the left-hand menu. Select the appropriate plan from the drop-down menu. Click on the Notes tab. Click on the Click here link. If a note has already been created, click on. Select the subject of the note. Select the action. Actions Inquiry Only To Be Acted On To Be Followed Up Meaning No follow-up must be performed and no action must be taken. An action must be taken and a follow-up date must be entered. A follow-up must be performed and a follow-up date must be entered. a Select the appropriate follow-up date if the To Be Acted On or the To Be Followed Up option was selected. 8 Enter the note. Click on Save. Page of

113 Finalizing a Follow-up or an Action to Take Complete steps to of the Entering a note in the client file or Entering a note in a plan section. Select the date the follow-up or action was completed. Click on Save. Consulting a Note Consulting a note in the client file Complete steps to of the Entering a note in the client file section. Click on the arrow to the left of the note. Consulting a note in a plan Complete steps to of the Entering a note in a plan section. Click on the arrow to the left of the note. Page of

114 Displaying the Outstanding Notes A user can only display his own notes, follow-ups and actions to take. Click on the '' Business'' tab. Click on ''Notes Outstanding'' under ''Practice Management'' in the left-hand menu. Click on ''Outstanding Notes'' to display notes that are not finalized and require a follow-up or an action; or click on ''All Notes'' to display all the notes, including informative notes, follow-ups and actions to be taken. Doing a research using the filters: Select Client'' from the ''Type'' drop down menu to display a note in the client file. Select ''Account / Plan'' from the ''Type'' drop down menu to display a note in a plan. Choose the appropriate action from the ''Action'' drop down menu. Click on ''Generate'' to obtain a report. Page of

115 Processing a Change of Advisor Table of contents This procedure is valid for a change of advisor for a single client who is remaining under the same branch. Verifying the New Advisor s License Processing the Change Verifying the New Advisor s License Click on the Business tab. Select the Advisor code criteria from the drop down menu. Enter the advisor code. Click on Search. Click on the Advisor Code. Click on the arrow to the left of the word Licences to verify the licences held by the advisor. Page of

116 Processing the Change Access the client s file from the Contacts tab. Click on Edit. Enter the new advisor code. When the code is unknown, click on Search to find the code with the help of the advisor s name. Click on at the bottom of the screen. When a LTA is in place for the client s account, the following message will appear: Click on Yes The advisor code is changed and the status of the Limited Trading Authorization is Revoked. Page of

117 Processing a Loan Transaction Table of contents Processing a Loan Transaction for which the Disbursement has been Received by Head Office Processing a Loan Transaction for which the Disbursement has not been Received by Head Office Processing a Loan Transaction for which the Disbursement has been Received by Head Office Open the account for a new client. Create the plan and the holdings. For an investment loan in an intermediary account, create the plan Self-Directed Leverage Plan. Enter information on loan and guarantees. Refer to the "Entering Information on Loan and Guarantees" section. Enter a purchase transaction with the following particularities: Select the Borrowed Funds option. Select the "Payable to DFSI/DINIA" option. Select the "Client Cheque Deposit" option. Enter the name of the lending institution followed by the loan's identification number as written on the disbursement confirmation. BB- Enter the loan amount. Page of

118 Processing a Loan Transaction for which the Disbursement has not been received by Head Office For Client Name accounts Open the account for a new client. Create the plan and the holdings. Enter information on loan and guarantees. Refer to the "Entering Information on Loan and Guarantees" section. Enter a "Contribution General" external transfer in transaction. Do not check the "Money Available" box. Click on the button Enter the name of the lending institution. Check off the "Client Name" box. Check off the "Registered" or "Non-registered" box, according to the plan registration type. Check off the "In Cash" box. Click on "Continue". For Intermediary Accounts Open the account for a new client. Create the plan and the holdings. If the administrator is BB Bank, the plan type must be Self-Directed Leveraged Plan for an investment loan; Enter information on loan and guarantees. Page 8 of

119 Entering Information on Loans and Guarantees Table of contents Click on the "Loans / Collateral" link on the left-hand menu. Click on the "Click here" link to add a loan. a Select the type. For RRSP loans select "Loan". For investment loans refer to the DFS Investments/SFL Investments' "Borrowing Money to Invest (Leveraging) and my Financial Strategy" form or refer to the loan document of the financial institution. 8 9 Select the financial institution. a If the name of the institution does not show on the drop down menu, write the name of the institution on the "Contact Information" field. Enter the financial institution loan number. Select the "Active" status. Enter the payment frequency. Enter the payment amount (monthly payment). Enter the initial amount. The amount which appears on the "Balance" field will systematically be erased during the quarter following the loan's maturity date. However, if the client provides the documents proving he has reimbursed the entire loan amount, it is possible to enter "0" in the "Balance" field manually. 0 Enter the loan's maturity date, if known. The maturity date corresponds to the date of the last reimbursement. For investment loans, when the "Interest only" box is checked off on the "Borrowing Money to Invest (Leveraging) and my Financial Strategy" form and on the loan application, write the date corresponding to 0 years following the disbursement. Page 9 of

120 8 Enter the collateral amount, if applicable. Enter the rate. Enter the principal provided. Enter the collateral margin call %, if applicable Enter the start date. Enter the stop date when closing the loan. Enter the loan amount. Click on "Save". Page 0 of

121 Managing the Family Link Table of contents This procedure applies to ad-hoc statements only. Activating the Family Link Deactivating the Family Link Activating the Family Link The family link between clients must only be activated if a Family Link on Statement Agreement form is completed; All clients must have the same advisor code. Identifying the Primary Client in Univeris Information on the primary client appears in section of the Family Link on Statement Agreement form. Find the primary client s Univeris account. In the client s file, click on Details, under Clients from the left-hand menu. Click on the Details tab. Click on Edit. Page of

122 Enter the primary client s identification number in Univeris. Click on Save. Linking Members to the Family s Primary Client Repeat steps to of the Identifying the Primary Client in Univeris section until all members appearing on the Family Link on Statement Agreement form are linked to the primary client. Page of

123 Defining the Display Order on the Family Statement A display order may be defined on the statement. This order is determined in section of the Family Link on Statement Agreement form. From the primary client s file, click on Details, under Clients from the left-hand menu. Click on Linked Clients. From the Order column, enter the desired display order on the family statement. Enter the family salutation. Click on Save. Page of

124 Deactivating the Family Link If the primary client s link is deactivated, it is automatically deactivated for all other members of the family. A Family Link on Statement Agreement form is required to reactivate the family link; The family link is automatically deactivated for all family members when an advisor code is changed in the primary client. From the client s file, click on Details, under Clients from the left-hand menu. Click on the Details tab. Click on Edit. Page of

125 Delete the primary client s Univeris identification number. Click on Save. Repeat steps to to deactivate the family link for another member. Page of

126 Generating Portfolio Statements Table of contents Click on the "Reports" tab. Click on the "Planning" link in the left-hand menu. Select the "Portfolio" option. Select the "Standard Plan Level" option. To generate a statement for one client, select the "Single Report" option: enter the client's Univeris identification number. To generate a statement for all clients, select the "Batch Clients" option: check off the "Duplex printing" option for best printing results. Enter the effective date. Select the "Broker" option. Check off the "Include History" option. Enter your advisor code. For the "Batch Clients" option only. 0 Select the client s language. For the "Batch Clients" option only. Select the appropriate option. For the "Batch Clients" option only. Click on "Generate". Page of

127 Consulting a Tax Slip for a Self-directed Plan Table of contents In the client file, click on the "Tax Slips/Receipts" link. Click on the "Tax Slips" tab to display the list of tax slips generated for the account. This application has been available since 00 only. Page of

128 Consulting a Contribution Receipt for a Selfdirected Plan Table of contents Displaying the List of Receipts Generating the RRSP "SD Contribution Receipt Summary" Report Displaying the List of Receipts In the client file, click on the "Tax Slips/Receipts" link. Click on the "Tax Receipts" tab to display the list of receipts generated for the account. This application has been available since 00 only. Below is the description of some of the screen's fields: Field State Report Code Description Generated = produced in Univeris Exported = exported from Univeris for printing Printed = only for a duplicate, an amendment or a cancellation. Original = original copy of the receipt generated Duplicate original = issued duplicate Amendment = issued amended receipt Cancellation = cancelled receipt Click on the receipt's number to know the detail of the transactions which caused its creation. Page 8 of

129 Generating the RRSP "SD Contribution Receipt Summary" Report Click on the "Reports" tab. Click on the "Registered Plans" link. Select the "SD Contribution Receipt Summary" option. Enter the taxation year. Select the "Transaction Details by Plan" option. Click on "Generate" to obtain the report. Any transactions processed within the chosen period appear on the report. A "Y" appears in the "Receipted?" column when a receipt is produced for a transaction and an "N" appears when there is no receipt produced. Page 9 of

130 Processing a Fixed Income or Accumulation Annuity Product Rates Inquiry Table of contents a Click on the "Products" tab. Click on the "Inquiry" link in the left-hand menu. It is also possible to search for rates while in the process of entering a purchase. a Click on the "Orders" tab and then on the "Purchase" link. Select "FIP Rate Inquiry" for fixed income products, GIA for term investments or MLP for market linked products. Page 0 of

131 Search Criteria Select the current day. Do not select the "Category". Several options allow refining the research. They are all optional. DFS Investments/SFL Investments Self-directed investments are always considered as fixed income products. Do not use registered product rates. Select the Term chosen by the client. Select the "Issuer" or the insurance company. Select the "Jurisdiction" that is the province in which the client resides. Enter the number of best rates to search. If you enter 0, the 0 top rates will appear Enter the amount of your purchase. Select the "Redemption Option". Leave "Extendible" as "All". Leave "Convertible" as "All". Select the "Type". Select the "Calculation". Select the "Pay Frequency". Select the "Product". Click on. Page of

132 Search Results Pay special attention to the "Special Instructions" column in the "Search Results". Minimum investment amounts for RRIF will appear in this column. However, it is important to verify with the issuer. Click the black arrow on the left side of the Issuer or insurance company name. This will allow seeing the details of the product. Product code, product name, etc. Click the "Generate" button to print the report. Page of

133 Consulting the Fixed Income Product and Accumulation Annuity Catalogue Table of contents Finding Details about the Fixed Income Product Issuer or the Insurance Company Finding Details about the Fixed Income or Accumulation Annuity Product Finding Details about the Fixed Income Product Issuer or the Insurance Company Click on the "Products" tab. Click on the "Search" tab on the left-hand menu. Enter the fixed income product issuer or insurance company code. Enter the issuer or insurance company name or code. Click on "Search". Fixed Income Product Agent code Available Plan Types Page of

134 Finding Details about the Fixed Income or Accumulation Annuity Product Click on the "Products" tab. Click on the "Search" tab on the left-hand menu. Enter the issuer or insurance company symbol. Click on "Search". Click on the product for more information. Restricted Jurisdictions Details on the product Rates history Page of

135 Consulting the Official Statement of a Client Table of contents An official statement is issued when a client owns: Mutual funds OR Mutual funds with insurance products Click on Details under Clients from the left-hand menu. Click on the Documents tab. Page of

136 Click on the title of the document to consult. Consulting the Fund Facts Release History Table of contents Click on "Details" under "Clients" in the left-hand menu. Click on the "Fund Facts" tab. Consulting the Electronic Statement Agreement Table of contents The consent is updated when the client is registered to edelivery via WebCONNECT. Click on "Details" under "Clients" on the left-hand menu. Click on the "Consent" tab. Consulting the Foreign Tax Status of a Client Table of contents To consult the foreign tax status of a client, click on Details in the left-hand menu. Click the Foreign tax Reporting tab. Page of

137 Generating a Daily Transaction Activity Report (Modifications June 08) This report includes all products, in addition to provide information about transaction status. Table of contents Click on the Reports tab. Click on Trading in the left-hand menu. Select the Daily Transaction Activity report option. Indicate the date range for which the report must be generated. Select all the order types. Click on Generate. Page of

138 Generating a Trustee Fee Report Table of contents Generating the Report Definition of Fee Statuses Generating the Report This report provides users with each plan s fee status. Click on the Reports tab. Click on Registered plans in the left-hand menu. Select the Trustee fee report option. Select the current year. Click on. Definition of Fee Statuses Status Meaning Generated The fees have already been generated for this plan. Exempt The plan has been exempted from the fees before they were generated. Cancelled The plan was exempt from fees after these were generated, since the plan no longer includes any assets. Page 8 of

139 The client made a total redemption or an external transfer out after May st. AAFs were charged at the time of payout. Paid Directly OR The fees have been paid by the client or advisor and the cheque has been received by head office. Fee Redemption Generated Fee Redemption Released No Investment Available to Redeem Fee Paid by Advisor Commission Deduction The redemption transaction for fee payment has been generated. The redemption transaction for fee payment has been transmitted to FundServ. There are no redeemable assets or the market value of each investment is insufficient to cover the due AAFs. AAFs have been paid by the advisor through commission deduction. Generating the ''RRSP Age Limit Listing'' Report Table of contents Click on the tab. Click on ''Registered Plans'' in the left-hand menu. Select the ''RRSP Age Limit Listing'' option. Select the ''All Plans'' option. Click on. Page 9 of

140 Generating the ''RRIF/LIF/LRIF Summary'' Report Table of contents Click on the tab. Click on ''Registered Plans'' in the left-hand menu. Select the ''RRIF/LIF/LRIF Summary'' option. Select the ''Plans that will not meet Minimum Annual Payment'' option. Click on. Page 0 of

141 Generating the Maturity Report for a Fixed Income or Accumulation Annuity Product Table of contents Print the fixed term maturity report and review it to ensure there are no clients listed under the option "Roll to same GIC". If it is the case, send an to fixedtermprocessing@dfs.ca to have the pay out option changed to "payout". Click on the tab. Click on the Planning tab on the left-hand menu. Select the Fixed Income Maturity option. Select the "Report Type". Select the applicable product: GIC for a fixed income product; Annuity for Accumulation annuities. Select the Status. Select the Date Range. Page of

142 8 8 Generate the report or generate an merge to notify the client. Client Name: o o Registered Add renewal as per client instructions Non-registered Add new purchase as per client instructions Self-Directed for GICs: o Registered and Non-registered Add new purchase as per client instructions Intermediary for GICs: o Registered and Non-registered Add new purchase as per client instructions Page of

143 Generating the Capital Gains or Losses Report Table of contents This report enables the display of the capital gains or losses resulting from securities redemptions or switches for a DFS Investments/SFL Investments non-registered Self-directed account. 8 Click on the "Reports" tab. Click on "Planning" in the left-hand menu. Select the "Taxation Trading" option. Enter the client's Univeris identification number. If the client's Univeris identification number is unknown, click on. Check off the "Exclude Distributions" box. Enter from January st to December st of the year chosen for the report. Information is only available starting year 00. The report is generated only when transactions were processed during the year. 8 Select the appropriate option. Click on "Generate". Page of

144 Generating a PAC / AWD Account Register Report Table of contents The client PAC/AWD Account Register report provides a list of all investors who have an active pre-authorized chequing plan (PAC) or an automatic withdrawal program (AWD) in Univeris. From the Univeris screen, click on Report > Marketing > Client PAC/AWD Account Register. Select the transaction type. Select the frequency. Select the status. Select the date under ''PAC Set Up After:''. Select the appropriate option under "Output Option". Page of

145 Generating a Client List Table of contents Generating a Client List Saving a Client List Generating a Follow-up Report Generating a Client List Click on the Reports tab. Click on the Marketing link in the left-hand menu. Select the Client List or Client Product and Plan List option. The clients non financial information appears on the Client List report and the financial information appears on the Client Product and Plan List report. Enter the appropriate information. Click on Generate. Page of

146 Saving a Client List Complete steps to of the Generating a Client List section. Select the Create a new list option in the Format drop down menu. Enter the name of the report. Enter a description of the report. Click on Generate. Page of

147 Generating a Follow-up Report Click on the Reports tab. Click on the Marketing link in the left-hand menu. Select the Client List option. Select the name of the report generated in the Client List drop down menu. Select the effective date. Select the Client List Report option in the Format drop down menu. Click on Generate. 8 Save or print the report. Page of

148 Processing the Fixed Income Product and Accumulation Annuity Monthly Reconciliation File Table of contents General Information on the Monthly Reconciliation File Entering a purchase for a Fixed-Interest Investment or a Fixed Income Product Entering an External Transfer in in a Fixed-Interest Investment Entering an External Transfer in in a Fixed Income Product Entering a Purchase for a Market-Linked Term Investment (Guarantee Advantage) in a Closed Campaign General Information on the Monthly Reconciliation File Situation Explanation Univeris Processing In case of disagreement Discrepancy Appears when there is a discrepancy between Univeris and the issuer s data for transactions payable to Mgt. Co. only (e.g. renewals or internal transfers in); The discrepancy is indicated in the Object column; The name of the issuer related to the discrepancy is indicated in the Source column; If no change is made, head office will process the Univeris update according to the information provided by the issuer the following month. N/A Refer to the issuer and provide them with supporting documents. Applies to Fixed income products only. Transaction not entered Appears when a position displayed in the client s assets with the insurance company or the issuer does not appear in Univeris. Applies to Fixed income products and Accumulation annuities. The transaction must be entered by the branch/advisor in Univeris to update the client s portfolio. s. o. Appears when a position is displayed in Univeris but not with the issuer (e.g. external transfer from the dealer); Adjustment to a redemption The name of the issuer related to the adjustment is indicated in the Object column; If no change is made after three months, the transaction will be removed from Univeris. N/A Refer to the issuer. Applies to Fixed income products only. The minus sign in front of some positions does not imply a negative amount. It provides a comparison between the initial invested amount and the issuer s position. Thus, negative amounts pertain to Univeris, and positive ones to the issuer. Page 8 of

149 Entering a Purchase for a Fixed-Interest Investment or a Fixed Income Product For transactions for which the money is already held with Desjardins Financial Security or the issuer, follow the following steps, but select Payable to Mgt. Co. as the source of funds. Create the client and the plan, if applicable. Enter the transaction, except for the following steps. Select the product code as indicated in the monthly reconciliation file. Enter the amount as indicated in the monthly reconciliation file. Click on Add. 8 9 Click on the calendar next to the Issue Date field. Select the date as indicated in the monthly reconciliation file. 8 9 In the Base Rate field, enter the rate as indicated in the file. Click on Continue. 0 Click on Validate from the data entry screen. Page 9 of

150 Entering an External Transfer in in a Fixed-Interest Investment Enter the transaction. Do not check the Money Available box. Entering an External Transfer in in a Fixed Income Product Create the client and the plan, if applicable. Enter the transaction, except for the following step. For transactions for which the money is already held with Desjardins Financial Security or the issuer, follow the following steps, but select Payable to Mgt. Co. as the source of funds. Entering a Purchase for a Market-Linked Term Investment (Guarantee Advantage) in a Closed Campaign For transactions for which the money is already held with Desjardins Financial Security or the issuer, follow the following steps, but select Payable to Mgt. Co. as the source of funds. External transfers in that were not completed before the end of a campaign will be processed later on by Desjardins Financial Security s administrative team in an equivalent basket, provided that a pending transaction was entered by the branch or the advisor. Create the client and the plan, if applicable. Enter the transaction, except for the following steps. Enter the Guarantee Advantage product code as indicated in the monthly reconciliation file. Enter the amount as indicated in the monthly reconciliation file. Page 0 of

151 Click on Add. 8 Click on the calendar next to the Trade Date field. Select the date as indicated in the monthly reconciliation file. 8 Click on Continue to return to the purchase data entry screen. 9 Click on Validate from the data entry screen. Page of