imaxxfunds Investment Account Application

Transcription

1 imaxxfunds Investment Account Application Foresters Asset Management Inc.

2 1. Type of Account for all transactions imaxxfunds Investment Account Application Account Number Non-Registered Individual Tenants in common Trust (attach trust deed) Joint tenants with right of survivorship Corporate Entity In Trust for (talk with your investment (does not apply Quebec residents) (attach corporate documents) professional about this type of account) Main purpose of investment: Investment Planning Retirement Planning Tax Savings Key Person Protection Investment Loan Or Registered Retirement Savings Plan (RSP) Locked-in Retirement Account RIF/LIF** PRIF** Spousal RSP (LIRA/Locked-in RSP (LRSP)** *Restricted Life Income Fund (RLIF) Spousal RIF *Restricted Locked-in Savings Plan (RLSP) * Available for Federal Plans only. ** F or a LIRA, RLSP, RLIF, Locked in RSP, LIF or PRIF, please check jurisdiction governing pension plan which funds originated or if Federal Plan, as applicable. BC Alta Sask Man Ont Que NB NS Nfld Federal/PEI 2. T ransfer Information for registered plans only anor RSP (attach T2033 or instructions) an RPP or DPSP (T2151 attached) a RIF (attach T2033 or instructions) a severance payment/retiring allowance (documentation attached) an existing imaxx account # 3a. A ccount Holder Information A ccount Holder must be a Canadian resident at time application is completed. I f account is a registered plan, n Account Holder is also annuitant. For I f entity Account accounts Holder (corporate is a Corporation trust), please or Non-Corporate complete CRA Entity form: Trust, Declaration Corporate/ of Tax Residence Non-Corporate for Entities Entity/Trust Part XVIII Ownership Part XIX Form of IP-LP1166 Income Tax AND Act International Tax Classification for an Entity Form (IP-LP1601) must also be completed. Mr. Mrs. Dr. Last Name First Name Initial(s) Ms. Miss Street Address Apt/Suite City Province Postal Code Occupation Home Phone Work Phone Language E F Date of Birth ( ) ( ) Social Insurance Number Complete for Non Registered plans only (Check off all options that apply you): o I am a tax resident of Canada. If you ticked this box, please ensure you have given your social insurance number above. o I am a U.S. resident for tax purposes (which includes a U.S. citizen regardless of where you live). If you ticked this box, please provide a U.S. Taxpayer Identification Number (TIN). U.S. Taxpayer Identification Number (TIN): o I am a tax resident of one or more jurisdictions or than Canada or United States. If you ticked this box, please provide your jurisdiction(s) of tax residence taxpayer identification numbers. Jurisdiction of Tax Residence If you do not have a TIN for a specific jurisdiction, give reason using one of se choices: Reason 1: I will apply or have applied for a TIN but have not yet received it. Reason 2: My jurisdiction of tax residence does not issue TINs its residents. Taxpayer Identification Number Reason 3: Or reason. Please specify. 3b. J oint Owner/Spousal Information f or Joint Owner (non-registered), In Trust For, Successor Annuitant election* or Spousal Registered Account * (Continued Periodic Payments surviving spouse/partner - not available for RSPs, LRSPs, LIRAs RLSPs) 4. Y our Beneficiary for registered plans only T his section is not applicable for Annuitants domiciled in Quebec. You can appoint a beneficiary for a registered plan receive benefit of your plan in event of your death. Anon-registered account passes your estate. Mr. Mrs. Dr. Last Name First Name Initial(s) Ms. Miss Occupation Home Phone ( ) Work Phone ( ) Language E F Date of Birth Social Insurance Number Complete for Non Registered plans only (Check off all options that apply you): o I am a tax resident of Canada. If you ticked this box, please ensure you have given your social insurance number above. o I am a U.S. resident for tax purposes (which includes a U.S. citizen). If you ticked this box, please provide a U.S. Taxpayer Identification Number (TIN). U.S. Taxpayer Identification Number (TIN): o I am a tax resident of one or more jurisdictions or than Canada or United States. If you ticked this box, please provide your jurisdiction(s) of tax residence taxpayer identification numbers. If you do not have a TIN for a specific jurisdiction, give reason using one of se choices: Reason 1: I will apply or have applied for a TIN but have not yet received it. Reason 2: My jurisdiction of tax residence does not issue TINs its residents. Reason 3: Or reason. Please specify. Subject applicable law, I here revoke all previous beneficiary designations made under this registered plan designate person(s) named identified below as beneficiary(s) receive proceeds upon my death. If a beneficiary predeceases me, I direct that his or her percentage allocation be divided equally among surviving beneficiary(s). If no percentage allocation is stated below for any one of beneficiary(s), or, if percentage allocation for beneficiary(s) does not add up 100%, I direct that proceeds of my registered plan be divided equally among surviving beneficiary(s). If none of persons named identified below as beneficiary(s) survive me, I direct that proceeds of my registered plan be paid my estate on my death. First Name Last Name Relationship Allocation (must add up 100%) Successor Annuitant Election Complete Section 3b In certain provinces, a beneficiary designation, or any revocation reof, can only be made will. In some cases, rights of my spouse may override such beneficiary designations (for example if successor annuitant is elected). Also, a beneficiary designation will not aumatically change as a result of a future marriage or a marriage breakdown, it may be necessary complete a new designation for this purpose. It is client s responsibility ensure that beneficiary designation is effective is changed when appropriate. Add particulars of additional beneficiaries on a sheet marked Schedule A. Check if Schedule A attached If applicable, attach Contingent Beneficiary Designation form. Check if form is attached COPY 1 HEAD OFFICE COPY 2 ADVISOR COPY COPY 3 DEALER COPY COPY 4 CLIENT COPY Jurisdiction of Tax Residence Taxpayer Identification Number *FRM-AFM26* AFM26 11/17

3 5. Investment Section for all transactions Initial Investments Sales Charge % SWP (Initial Sales Amount $ Fund Name Fund Code $ or % Charge only) Wire Order Number (Net or Gross) TOTAL INVESTMENT AMOUNT $ 6. Distribution Instructions for non-registered plans only 7. Dollar Cost 7. Dollar Averaging Cost Averaging Distributions will be reinvested in same funds unless you choose one of options below. Cash distributions are only for non-registered accounts. Deposit directly your bank account via EFT Receive cheque via Receive mail Please cheque attach via mailpersonalized pre-printed VOID cheque Please attach personalized pre-printed VOID cheque I authorize Foresters Aegon Fund Asset Management exchange Inc. ( Foresters funds Financial ) within my Aegon exchange Fund funds Management within my account Foresters as follows: Financial account as follows: I authorize Aegon Fund Management exchange funds within my Aegon Fund Management account as follows: Amount From imaxxfund Name Fund Code Fixed $ OR # units To imaxxfund Name Fund Code *Please note for Dollar Cost Averaging you may only indicate one (1) Fund. Start Date (1st 28th of month): 8. Systematic Purchase (PAC) If PAC date falls on a non-business day, PAC will be drawn on next valuation date following that day. Minimum $50. $25 LIRA/RIF/LIF/LRSP/RLSP/RLIF/PRIF not eligible. We need 5 business days set up or change a PAC amount. Please attach a personalized pre-printed VOID cheque Frequency (select one): Weekly Bi-weekly Start Date (1st 28th of month): Monthly Quarterly Semi-Annually Annually Sales Charge % Fund Name Fund Code PAC Amount (Initial Sales Charge only) $ TOTAL DOLLAR AMOUNT $ TERMS OF PAC AUTHORIZATION TERMS You here OF authorize PAC AUTHORIZATION Foresters Financial draw on account at financial institution which is identified on attached void cheque (PAC Account) in amount You here frequency authorize indicated Foresters Aegon for Fund Financial purpose Management Investment of making deposits draw Management on Account. account Company For at of Canada purpose financial Inc. of this institution authorization, draw on which you account is identified agree that all on pre-authorized financial attached institution debits void will cheque which be treated is (PAC identified as Account) personal. By in attached signing amount void this form, cheque frequency you (PAC here Account) indicated waive any for pre-notification amount purpose frequency of requirement making indicated deposits as specified for purpose Account. section of For making 15(a) deposits purpose (b) of of Canadian this Account. authorization, Payments For Association you purpose agree of that ( CPS )Rule this all authorization, pre-authorized H1 with you regards debits agree will that pre-authorized be all pre-authorized treated as debits. personal. debits You warrant will By signing be that treated all required this as personal. form, signatures you By for here signing authorization waive this form, any of debits pre-notification you here for PAC waive Account requirement any are pre-notification present as in specified this Authorization. requirement section You as consent specified 15(a) (b) disclosure section of 15(a) of Canadian any personal (b) Payments of Canadian Association contained Payments in this Rule application Association H1 with regards any Rule third parties H1 pre-authorized with for regards purpose of debits. pre-authorized processing You warrant PAC. debits. You that also You all underst required warrant that signatures all agree required for all signatures authorization terms for conditions. of authorization debits for of PAC debits Account for are PAC present Account in this are You Authorization. present certify in that this You Authorization. consent provided You consent disclosure with respect of disclosure any personal PAC Account of any personal is accurate. contained You will provide contained this application Foresters in this Financial application any with third a parties new any void third for cheque parties purpose if for PAC of Account processing purpose is of changed. processing PAC. You also PAC. underst You also underst agree all agree terms all terms conditions. conditions. If this is for your own personal investment, your debit will be considered a Personal PAC Canadian Payments Association definition. If this is for business purposes, You certify it will that be considered a Business provided PAC. with Monies with respect respect transferred between PAC PAC Account CPA Account members is accurate. is will accurate. be You considered will You provide will a Funds provide Aegon Transfer Foresters Fund PAC. Management Financial Investment with a new You void Management acknowledge cheque if Company PAC agree Account of that Canada you are is changed. Inc. fully with liable a for new any void charges cheque incurred if if PAC debits Account cannot is be changed. made due insufficient funds or any or reason for which you If this may is be for held your accountable. own personal investment, your debit will be considered a a Personal PAC PAC Canadian Payments Payments Association definition. definition. If this If this for is Cancellation for business business purposes, of PAC purposes, Authorization it will it will be considered be considered a Business a Business PAC. PAC. Monies Monies transferred transferred between between CPA CPA members members will be will considered be considered a Funds a Funds Transfer Transfer PAC. This Cancellation PAC. Authorization of is PAC continuing, Authorization except that you may cancel this Authorization at any time giving Foresters Financial at least 10 days, notice in writing. You may obtain a cancellation form contacting your financial institution or at You agree release financial institution of all liability if revocation This Cancellation Authorization of PAC is continuing, Authorization is not respected, except in case of except gross that negligence you may cancel financial this Authorization institution. Foresters at any Financial time is giving authorized Foresters accept Financial changes Investment PAC Management Authorization Company This my Authorization registered of Canada dealer is continuing, Inc. or my at financial least except 10 advisor days, that in notice you accordance may in cancel writing. with this You Authorization policies may obtain of Foresters at a cancellation any Financial time giving form in accordance Aegon contacting Fund with Management. your disclosure financial at institution least authorization 10 days, or at requirements notice in writing. of CPA. You may obtain a cancellation form contacting your financial institution or at Cancellation of of Right Right Pay Pay PAC PAC Foresters Aegon Fund Financial Financial Management may Investment cancel may your right Management cancel pay your right PAC: Company pay of Canada PAC: Inc. may cancel your right pay PAC: (a) If deposits PAC are returned unprocessed. You will be required notify us in writing re-establish Deposits Account PAC. (b) (a) On If deposits 10 days, written PAC notice are returned you. unprocessed. You will be required notify us in writing re-establish Deposits Account PAC. (b) You On have 10 days, certain written recourse notice rights if any you. debit does not comply with this Authorization. For example, you have right receive reimbursement if a debit is not You authorized have certain or is recourse not consistent rights if with any this debit PAC does Authorization. not comply To with obtain this more Authorization. For on example, your recourse you have rights, contact right your receive financial reimbursement institution or visit if a debit is not authorized or is not consistent with this PAC Authorization. To obtain more on your recourse rights, contact your You have requested this application form all or documents relating here be in English. J ai exigé que ce formulaire et us les documents y afférant financial institution or visit soient rédigés en anglais. COPY 2 ADVISOR COPY COPY 3 DEALER COPY COPY 4 CLIENT COPY

4 9. S ystematic Withdrawals (SWP) Please provide fund allocation for redemptions in Section 5. Minimum $10,000 account balance, minimum $50, RSP/LIRA/LRSP, RLSP not eligible. Please allow 5 business days set up or change SWP amount. If SWP cheque is payable someone or than yourself, please affix signature guarantee stamp in Your signature section. I here authorize Foresters Aegon Fund Financial Management Investment make regular make Management withdrawals regular withdrawals Company my of Foresters Canada my Aegon Inc. Financial Fund make account Management regular as withdrawals shown account below. as shown my Foresters below. Financial Investment Management Company of Canada Inc. account as shown below. For RIF/LIF/RLIF/PRIF Payments: For RIF/LIF/RLIF/PRIF Payments: Ihere elect: use my spouse s date of birth, who is younger than I, determine minimum amount of periodic payments under Ihere elect: use my spouse s date of birth, who is younger than I, determine minimum amount of periodic payments under RIF/LIF/RLIF/PRIF. Please complete Spousal in Section 3b. I do RIF/LIF/RLIF/PRIF. not elect Please complete Spousal in Section 3b. I do not elect Tax Withholding (for RIF/LIF/RLIF/PRIF) Payment Option: Payment Method: Minimum Minimum Maximum EFT deposit* Client Specified percentage. Federal % Fixed $ amount cheque you Provincial (Quebec Residents Only) % *For EFT please attach personalized, pre-printed VOID cheque. Start Date (1st 28th of month): Frequency (select one): Monthly Quarterly Semi-Annually Annually 10. S ting Instructions To receive copies of annual /or semi-annual Management Report of Fund Performance (MRFP), annual or semi-annual financial statements, complete your option(s) below. If we have not received instructions n you are deemed have requested not receive se materials. Please provide your instructions below: Yes, I would like receive copies of annual MRFP, Yes, I would like receive copies of semi-annual MRFP, Yes, I would like receive copies of annual financial statements, Yes, I would like receive copies of semi-annual financial statements. 11a. Agreement for Registered Accounts 11b. Consent Collection Use of Information 11c. Y our Signature 11c. for Y ouall r Signature transactions for all transactions TO: : The Trustee -- I - I request I Trustee Trustee Trustee of my of my of imaxxfunds my imaxxfunds Retirement Retirement Savings Savings Plan Plan Plan ( or Plan ) ( imaxx Plan ) or Retirement my or imaxxfunds my imaxxfunds Income Retirement Fund Retirement ( Income Plans ) Income Fund ( Fund apply Fund ) ( for Fund ) registration apply for apply registration of for Plans registration of under Plan/Fund of Income Plan/Fund under Tax Act under Income (Canada) Tax Income, Act (Canada) if Tax applicable, Act, (Canada) if any applicable, provincial, if any applicable, legislation. provincial any I legislation. acknowledge provincial I acknowledge legislation. agree I acknowledge be agree bound be bound agree terms be terms bound conditions conditions set terms out in set out conditions Declaration in Declaration set of Trust out in set of Trust forth Declaration set forth reverse of on Trust side reverse set here forth side on here if reverse applicable, if applicable, side here locked-in locked-in if addenda applicable, addenda which which locked-in form part form of addenda part of Plan, which Plan, as amended form as amended part of time Plan, time time. as time. amended I I underst that time that I am I am time. solely solely I underst responsible for that for determining I am solely responsible amount of of for contribution determining amount of contribution for Plan that tax are deductible for income tax purposes. Plan that are deductible for income tax purposes. Upon receiving your application, Foresters Financial will establish maintain a file containing your personal, which will be accessible at Upon Foresters receiving Financial s your application, Head Office. Aegon Fund Management will establish maintain a file containing your personal, which will be I accessible here consent at Aegon Fund agree Management s allow Foresters Head Financial Office. The Royal Trust Company ( Parties ) collect personal about me here consent agree allow Foresters Financial Investment Management Company of Canada Inc. The Royal Trust Company ( Parties ) me I here consent or sources agree ( allow Information ) Aegon Fund Management use such Information The Royal Trust verify Company my identity; ( Parties ) administer collect Plan/Fund; personal provide me about with products collect personal me me services or I may about sources request, me ( or which me Information ) are required or sources be use provided ( Information ) such Information me law or verify applicable use such my identity; regulary Information administer policies; verify my Plan/Fund; reporting identity; administer provide me Plan/Fund; with Canada products Revenue provide services Agency me with I in products may accordance request, or with services which federal I may are legislation request, required or which be as provided orwise are required me required be law or provided or permitted applicable me regulary law. law or applicable regulary policies; reporting policies; reporting Canada Revenue Agency in accordance with federal legislation as orwise required or permitted law. The Parties may use Canada Revenue disclose: Agency (i) Information in accordance third with parties federal legislation as necessary as administer orwise required Plan/Fund or permitted or as required law. law or The Parties may use disclose: (i) Information third parties as necessary administer Plan/Fund or as required law or applicable applicable The Parties regulary may use policies; disclose: (ii) (i) my Information social insurance third number parties as as required necessary law, administer including for income Plan/Fund tax reporting as required purposes. law The or Parties applicable may make regulary policies; (ii) my social insurance number as required law, including for income tax reporting purposes. The Parties may make regulary Information policies; available (ii) my social ir insurance employees, number agents as required service providers, law, including who are for required income tax maintain reporting purposes. confidentiality The Parties of Information. may make Your Information available may be securely ir employees, used, sred agents or accessed service in or providers, countries who are may required be subject maintain laws confidentiality of those countries. of For Information. example, be securely used, sred or accessed in or countries may be subject laws of those countries. For example, Your may be may disclosed be securely in response used, sred dems or accessed or requests in or countries government may authorities, be subject courts, or laws law of enforcement those countries. in se For countries. example, The may be disclosed in response dems or requests government authorities, courts, or law enforcement in se countries. The Parties may Parties may may be also disclosed use Information in response manage dems ir or requests risks operations government those authorities, of ir courts, affiliates or law enforcement comply with in valid se requests countries. for about me regulars, government agencies, public bodies or or entities who have a right issue such requests. Subject The Parties may also use Information manage ir risks operations those of ir affiliates comply with valid requests for exceptions me regulars, set out in government applicable legislation, agencies, public you may bodies access or or your entities file who request have corrections a right issue your such personal requests. Subject exceptions sending a written set out about me regulars, government agencies, public bodies or or entities who have a right issue such requests. Subject request Foresters Asset Management Inc., Attn: Privacy Office, c/o RBC Invesr Treasury Services, Shareholder Foresters Services 155 exceptions Wellingn set out Street in applicable West, 3rd legislation, Floor, Toron, you may ON access M5V your 3L3. file request corrections your personal sending a written request Aegon Fund Management, Attn: Privacy Office, Yonge Street, Toron, ON M2N 7J8. If If I provide provide personal personal about about a third third party party (such (such as as my my spouse spouse or or beneficiary), beneficiary), I shall shall have have first first obtained obtained appropriate appropriate consent consent that that third party party collection, collection, use use disclosure disclosure of ir of ir personal personal Parties Parties in in course course of of administration of of Plan/Fund, Plan/Fund, for for third party collection, use disclosure of ir personal Parties in course of administration of Plan/Fund, for purposes purposes for which for which I have I have provided provided it any it Party, any Party, including including purposes purposes described described herein. herein. purposes for which have provided it any Party, including purposes described herein. I acknowledge that I have received reviewed a copy of current Simplified Prospectus(es) of imaxxfund(s) selected underst that I se acknowledge se transactions transactions that are I have made are received made under under terms reviewed terms a conditions copy conditions of rein. current rein. I certify Simplified I certify that Prospectus(es) that provided of imaxxfund(s) provided me on this me selected application this application underst is complete is complete se true in transactions all respects. true in all are It respects. is made my wish under It that is my all wish documents terms that all conditions relating documents this rein. relating form I have certify this been that form have shall been drawn provided shall up in be English drawn me only. up this in C est English application mon only. désir is C est complete que uts mon that désir true que in uts all respects. documents It is se my rapportant wish that all au documents compte soient relating rédigés this en form anglais have seulement. been Mutual shall be fund drawn investments up English fluctuate only. C est in value mon désir are que not insured uts Canada documents Deposit Canada Insurance se rapportant Deposit Corporation Insurance au compte or Corporation soient Règie rédigés de or l assurance-dépôts en anglais Règie de seulement. l assurance-dépôts du Quebec Mutual fund du are investments Quebec not guaranteed fluctuate are not guaranteed in Foresters value Financial are Foresters not Investment insured Asset Management Inc. Management Canada Deposit Company Insurance of Canada Corporation Inc. or Règie de l assurance-dépôts du Quebec are not guaranteed Aegon Fund Management. Your Signature/Annuitant s Signature (for registered accounts) Date X Joint Applicant s Signature (if applicable) Date X Accepted Foresters Aegon Fund Asset Management Management Inc., Inc., as as Agent Agent for for The The Royal Royal Trust Trust Company, Company, Trustee. Trustee. Authorized Signature X 12. Y our Investment Professional for all transactions Dealer Company s Name Dealer Code Rep. Code Investment Professional s Name Signature of Investment Professional Phone ( ) COPY 1 HEAD OFFICE COPY 2 ADVISOR COPY COPY 3 DEALER COPY COPY 4 CLIENT COPY

5 1. Definitions. Whenever used in this declaration of trust or on Application, any capitalized terms shall have meanings given m below: Agent Foresters means Aegon Asset Management Fund Management Inc Inc. its successors its successors assigns; assigns; Annuitant Plan within means meaning individual Applicable who has Laws executed give that application word; be plan owner for Applicable Plan within Laws means meaning Applicable Tax Act, relevant Laws give pension that legislation word; such or laws of Applicable Canada Laws of means provinces Tax Act, terriries relevant applicable pension legislation here; such or laws Application of Canada means of provinces Annuitant s terriries application applicable Agent here; for Plan; Contribution Application means a contribution Annuitant s of application cash or any Qualified Agent Investment for Plan; under Plan; Estate Contribution Documents means means a contribution proof of of cash Annuitant s or any Qualified death Investment such or under documents Plan; including Estate Documents Letters Probate means of proof Annuitant s of Annuitant s Will as may death be required such or Trustee documents in its sole including discretion Letters in Probate connection of with Annuitant s transmission Will as may of be required Property on Trustee Annuitant s in its death; sole discretion in connection with transmission of Property on Annuitant s Estate death; Representative means an execur, an administrar, an administrar with Estate will annexed, Representative a liquidar, means or an estate execur, trustee an with administrar, a will without an administrar a will, wher with one or will more annexed, than one a liquidar, is so appointed; or an estate trustee with a will or without a will, wher one Expenses or more than one means is so all appointed; (i) costs, (ii) charges, (iii) commissions, (iv) investment management Expenses means fees, brokerage all (i) costs, fees (ii) charges, or fees, (iii) (v) commissions, legal expenses (iv) investment (vi) out-ofpocket management expenses fees, incurred brokerage fees time time or in relation fees, (v) legal Plan; expenses (vi) out-ofpocket expenses Spouse incurred means individual time who time is in considered relation Plan; Applicable Laws be Former Annuitant s Former Spouse former means spouse or individual common-law who partner; is considered Applicable Laws be Maturity Annuitant s Date former means spouse or date common-law Annuitant partner; selects for start of a Retirement Income, Maturity which Date must means not be date after Annuitant end of selects year in for which start Annuitant of a Retirement attains Income, maximum which age must for not be commencement after end of of a retirement year in which income Annuitant as prescribed attains Applicable maximum Laws age for time commencement time; of a retirement income as prescribed Plan Applicable means Laws retirement time savings time; plan Annuitant Trustee have opened in Plan Annuitant s means name retirement pursuant savings his plan or her Application; Annuitant Trustee have opened Plan in Annuitant s Proceeds name means pursuant Property, his or less her any Application; Expenses Taxes which may be required Plan Proceeds under Applicable means Laws; Property, less any Expenses Taxes which may be Prohibited required under Investment Applicable means Laws; Property (or than prescribed excluded Property as that Prohibited term is defined Investment in means Tax Act) Property that is: (or than prescribed excluded Property as (a) that a term debt is of defined Annuitant; in Tax Act) that is: (b) (a) a share debt of of Annuitant; capital sck of, an interest in or a debt of: (b) (i) a share a corporation, of capital partnership sck of, an or interest trust in in which or a debt of: Annuitant has a significant (i) a interest; corporation, partnership or trust in which Annuitant has a significant (ii) a interest; person or partnership that does not deal at arm s length with Annuitant or (ii) with a person a person or partnership or partnership that does described not deal in subparagraph at arm s length (i); with Annuitant or (c) an interest with a person in, or right or partnership acquire, a described share, interest subparagraph or debt described (i); in paragraph (a) (c) or an (b); interest or in, or right acquire, a share, interest or debt described in paragraph (a) (d) prescribed or (b); or property (as that term is defined in Tax Act); Property (d) prescribed means property any property, (as that term including is defined income reon Tax Act); proceeds reof cash, Property held under means any Plan property, time including time; income reon proceeds reof Qualified cash, held under Investment Plan means time any investment, time; which is a qualified investment for a Qualified registered retirement Investment savings means plan any according investment, Applicable which is a Laws; qualified investment for a Retirement registered retirement Income savings means plan a retirement according income Applicable within Laws; meaning of Applicable Laws; Retirement Income means a retirement income within meaning of Applicable Spouse Laws; means individual who is considered Applicable Laws be Annuitant s Spouse means spouse or common-law individual who partner; is considered Applicable Laws be Tax Annuitant s Act means spouse or Income common-law Tax Act partner; (Canada); Taxes Act means any all applicable (Canada); taxes assessments, including any penalties Taxes interest, means as may any be required all applicable under taxes Applicable assessments, Laws; including any penalties interest, as may be required under Applicable Laws; Trustee means The Royal Trust Company in its capacity as trustee issuer of Plan, Trustee its means successors The Royal Trust assigns. Company in its capacity as trustee issuer of 2. Declaration Plan, its of successors Trust. The Trustee assigns. agrees act as trustee of a Retirement Savings Plan for 2. Declaration Annuitant of named Trust. in The Trustee Application agrees act administer as trustee of a Property Retirement according Savings Plan this Declaration for Annuitant of Trust. named in Application administer Property according this 3. Declaration Appointment of Trust. of Agent. The Trustee has appointed Aegon Fund Management Inc. ( Agent ) 3. Appointment as its agent of Agent. perform The Trustee certain has has duties appointed relating Foresters Aegon Fund Asset operation Management of Plan. Inc. The ( Agent ) Trustee acknowledges as as its its agent perform confirms certain certain that duties ultimate duties relating relating responsibility operation for operation of administration of Plan. The Plan. Trustee of The acknowledges Plan Trustee remains acknowledges with confirms Trustee. that confirms ultimate that responsibility ultimate responsibility for administration for administration of Plan remains of with 4. Plan Registration. remains Trustee. with The Trustee. will apply for registration of Plan as a retirement savings plan 4. Registration. pursuant The Applicable Trustee will Laws. apply for registration of Plan as a retirement savings 5. plan Contributions. pursuant The Applicable Annuitant Laws. or Annuitant s Spouse may make Contributions 5. Contributions. Plan in such amounts The Annuitant as are permitted or Annuitant s under Applicable Spouse Laws, may make in cash Contributions or such or property Plan in as such may amounts be permitted as are in permitted sole discretion under Applicable of Trustee. Laws, in It cash shall or be such or sole responsibility property as may of be Annuitant permitted or in Annuitant s sole discretion Spouse, of as Trustee. case It may shall be, be ensure sole that responsibility amount of of Contributions Annuitant or made Annuitant s Plan Spouse, are within as case limits may permitted be, ensure under Applicable that amount Laws. of Contributions made Plan are within limits permitted under 6. Applicable Refund Laws. of Contributions. The Trustee shall on application Annuitant or, where applicable, 6. Refund of Contributions. Annuitant s Spouse, The Trustee in a form shall satisfacry on application Trustee, Annuitant pay amount or, where applicable, taxpayer in Annuitant s order reduce Spouse, amount in a form of satisfacry tax payable under Trustee, Part X.1 of pay an Tax amount Act or taxpayer Applicable in order Laws. reduce amount of tax payable under Part X.1 of Tax Act 7. or Tax Applicable Information. Laws. The Trustee shall provide Annuitant, where applicable, Annuitant s 7. Tax Information. Spouse, with The Trustee appropriate shall provide slips Annuitant for income, where tax purposes applicable, for all Contributions Annuitant s Spouse, made with appropriate Plan such or slips for regarding income tax purposes Plan as may for be all required Contributions under made Applicable Laws. Plan such or regarding Plan as may be 8. required Delegation under Applicable Trustee. Laws. The Annuitant expressly authorizes Trustee delegate 8. Delegation Agent performance Trustee. of The Annuitant following expressly duties of authorizes Trustee under Trustee Plan: delegate (a) Agent receiving performance Contributions of following Plan duties Annuitant of Trustee /or under Annuitant s Plan: Spouse, (a) as receiving case Contributions may be; Plan Annuitant /or Annuitant s Spouse, (b) receiving as case transfers may be; of property Plan; (c) (b) investing receiving transfers reinvesting of property Property Plan; as directed Annuitant; (d) (c) registering investing reinvesting holding Property in as directed Trustee s name, Annuitant; Agent s name, in (d) name registering of ir respective holding nominees Property or in bearer Trustee s form as name, determined Agent s name, Agent in time name of time; ir respective nominees or in bearer form as determined Agent (e) maintaining time time; records of Plan, including designation of beneficiaries, where (e) applicable; maintaining records of Plan, including designation of beneficiaries, where (f) providing applicable; Annuitant statements of account for Plan at least annually; (g) (f) preparing providing all government Annuitant filings statements forms; of account for Plan at least annually; (g) preparing all government filings forms; (h) making payments out of Plan pursuant provisions hereof; imaxxfunds Retirement Savings Plan Declaration of Trust (i) such or duties obligations of Trustee under Plan as Trustee in its sole discretion may time time determine. The Annuitant acknowledges that, extent Trustee delegates any such duties, Trustee shall re be discharged performing such duties. 9. Investment of Property. The Property shall be invested reinvested on directions of Annuitant without being limited investments authorized law for trustees. The Trustee, in its sole discretion, may require Annuitant provide such documentation in respect of any investment or proposed investment, as Trustee deems necessary in circumstances. The Trustee reserves right decline make any particular investment if proposed investment related documentation do not comply with Trustee s requirements at that time. 10. Segregated Funds. Segregated fund Property will be held in nominee name. The Annuitant agrees designate Trustee as beneficiary under any segregated fund held under Plan. Upon death of Annuitant, proceeds of segregated funds paid shall form part of Property be dealt with according terms of this Declaration of Trust. For greater certainty, upon death of Annuitant, Trustee shall hold segregated funds as Plan Proceeds for any beneficiary designated Annuitant under Plan, in accordance with this Declaration of Trust. 11. Choice of Investments for Plan. The Annuitant shall be responsible for selecting investments of Plan, ensuring that an investment is continues be a Qualified Investment, determining wher any such investment is not continues not be a Prohibited Investment. The Trustee shall exercise care, diligence skill of a reasonably prudent person minimize possibility that Plan holds a non Qualified Investment. The Annuitant shall have right appoint Agent as his or her agent for purpose of giving investment directions as provided in this paragraph Uninvested Cash. Uninvested cash will be placed on deposit with Trustee or an affiliate of Trustee. The interest on such cash balances payable Plan will be determined Agent time time in ir sole discretion with no obligation pay a minimum amount or rate. The Trustee will pay interest Agent for distribution Plan Agent shall credit Plan with appropriate interest. The Trustee shall have no liability for such payment of interest once it is paid Agent for distribution. 13. Right of Offset. The Trustee Agent shall have no right of offset with respect Property in connection with any obligation or debt owed Annuitant Trustee or Agent, or than Expenses payable terms of this Declaration of Trust. 14. Debit Balances. If Plan has a cash deficit, Annuitant authorizes Trustee or Agent, determine which Property select sell such Property cover cash deficit within Plan. 15. Withdrawals. Before purchase of a Retirement Income, Annuitant may, upon 60 days notice Agent, or upon such shorter period of notice as Agent may in its sole discretion permit, request that Agent liquidate part or all of Property pay Annuitant an amount Property, not exceeding value of Plan immediately before time of payment, subject deduction of all compensation, Expenses Taxes as provided in paragraph Retirement Income. The Annuitant shall, upon at least 90 days notice Agent on behalf of Trustee, or upon such shorter period of notice as Trustee may in its sole discretion permit, specify form of Retirement Income be provided under Applicable Laws. Upon receiving such instructions, Agent shall purchase such Retirement Income for Annuitant, where Annuitant so elects in writing, for Annuitant s Spouse after death of Annuitant (whereupon references Annuitant herein shall include Annuitant s Spouse). The Plan shall mature on Maturity Date. Except as orwise permitted under Applicable Laws time time, any annuity purchased as a Retirement Income Annuitant must: (a) be payable in equal annual or more frequent periodic payments during its term until such time as re is a payment in full or partial commutation of Retirement Income, where such commutation is partial, equal, annual or more frequent periodic payments reafter; (b) not be capable of assignment in whole or in part; (c) require commutation of each annuity payable under arrangement that would orwise become payable a person or than Annuitant or Annuitant s Spouse under that arrangement; (d) if Annuitant selects an annuity with a guaranteed term, term cannot exceed a term of years equal 90 minus Annuitant s age in whole years at Maturity Date or if Annuitant so elects Annuitant s Spouse is younger than Annuitant, age in whole years of Annuitant s Spouse at Maturity Date; (e) not provide for aggregate of periodic payments made in a year after death of first Annuitant exceed aggregate of payments made in a year before that Annuitant s death. 17. Annuitant s Failure To Give Instructions Regarding Maturity Date. If Annuitant fails instruct Agent in writing at least 90 days (or within such shorter period as Trustee may permit in its sole discretion) prior December 31 of year in which Annuitant attains maximum age for commencement of a retirement income under Applicable Laws with respect form of Retirement Income be provided, Trustee Agent may in ir sole discretion on reasonable notice Annuitant eir: (a) transfer Property a Foresters Aegon Fund Asset Management Inc. Retirement Income Fund ( RIF ) opened registered for such purpose in in name of of Annuitant. Upon transfer of all such Property RIF, Annuitant shall be: (i) deemed have elected p yuse his or her age ( not age of Annuitant s (i) Spouse, deemed if any) have elected determine use his minimum or her age amount ( under not Applicable age of Laws; Annuitant s (ii) deemed Spouse, if any) have determine not elected minimum designate amount his or under her Spouse Applicable become Laws; (ii) annuitant deemed on have Annuitant s not elected death designate have his not or her designated Spouse any become beneficiary upon annuitant death on of Annuitant s Annuitant; death have not designated any beneficiary (iii) bound upon death all of terms Annuitant; conditions of RIF as stated in documents (iii) pertaining bound all re terms as if Annuitant conditions had of signed RIF as appropriate stated in documents effect pertaining such re transfer, as if had Annuitant made or had refrained signed appropriate making documents elections designations effect such transfer, as referred had herein. made or refrained making elections or designations as referred herein. (b) or on or after December 1 but before December 31 of that year, Agent shall liquidate (b) on or Property after December close 1 but before Plan December pay Plan 31 of Proceeds that year, Agent Annuitant. shall liquidate Property close Plan pay Plan Proceeds Annuitant.

6 18. Designation of Beneficiary. Subject Applicable Laws, Annuitant may designate a beneficiary receive Plan Proceeds on Annuitant s death prior purchase of a Retirement Income. A beneficiary designation may only be made, changed or revoked under Plan Annuitant in a format required Agent for this purpose. Such designation must adequately identify Plan be delivered Agent prior any payment Agent. The Annuitant acknowledges that it is his or her sole responsibility ensure designation or revocation is valid under laws of Canada, its provinces or terriries. 19. Death of Annuitant. If Annuitant dies before purchase of a Retirement Income, upon receipt of Estate Documents Agent, which are satisfacry Trustee: (a) if Annuitant has a designated beneficiary, Plan Proceeds will be paid or transferred designated beneficiary, subject Applicable Laws. The Trustee Agent will be fully discharged such payment or transfer, even though any beneficiary designation made Annuitant may be invalid as a testamentary instrument; (b) if Annuitant s designated beneficiary has died before Annuitant or if Annuitant has not designated a beneficiary, Trustee will pay Plan Proceeds Annuitant s estate. 20. Release of Information. The Trustee Agent each are authorized release any about Plan Plan Proceeds, after Annuitant s death, eir Annuitant s Estate Representative or designated beneficiary, or both, as Trustee deems advisable. 21. Payment in Court. If re is a dispute about: (a) a payout Plan or equalization of Property or or dispute arising a breakdown of Annuitant s marriage or common law partnership; (b) validity or enforceability of any legal dem or claim against Property; or (c) authority of a person or personal representative apply for accept receipt of Plan Proceeds on death of Annuitant; Trustee Agent are entitled eir apply court for directions or pay Plan Proceeds in court, in eir case, fully recover any legal costs it incurs in this regard as Expenses Plan. 22. Account. The Agent shall maintain an account for Annuitant which will record particulars of all Contributions, investments, transactions in Plan, shall mail Annuitant, at least annually, a statement of account. 23. Limitation of Liability. The Trustee shall not be liable for any loss suffered Plan, Annuitant or any beneficiary under Plan as a result of purchase, sale or retention of any investment including any loss resulting Trustee acting on direction of agent appointed Annuitant provide investment direction. 24. Indemnity. The Annuitant agrees indemnify Trustee for all compensation, Expenses Taxes, or than those Taxes for which Trustee is liable that cannot be charged against or deducted Property in accordance with Tax Act, incurred or owing in connection with Plan extent that such compensation, Expenses Taxes cannot be paid out of Property. 25. Self-Dealing. The Trustee s services are not exclusive, subject limitations orwise provided in this Declaration of Trust on powers of Trustee, Trustee may, for any purpose, is here expressly authorized time time in its sole discretion, appoint, employ, invest in, contract or deal with any individual, firm, partnership, association, trust or body corporate, with which it may be directly or indirectly interested or affiliated with, wher on its own account or on account of anor (in a fiduciary capacity or orwise), profit re, without being liable account refore without being in breach of this Declaration of Trust. 26. Compensation, Expenses Taxes. The Trustee Agent will be entitled such reasonable fees as each may establish time time for services rendered in connection with Plan. All such fees will, unless first paid directly Agent, be charged against deducted Property in such manner as Agent determines. All Expenses incurred shall be paid Plan, including Expenses with respect execution of third party dems or claims against Plan. All Taxes, or than those Taxes for which Trustee is liable that cannot be charged against or deducted Property in accordance with Tax Act, will be charged against deducted Property in such manner as Agent determines. 27. Sale of Property. The Trustee Agent may sell Property, in ir respective sole discretion, for purposes of paying compensation, Expenses, Taxes, or than those Taxes for which Trustee is liable in accordance with Tax Act that cannot be charged against or deducted Property in accordance with Tax Act. 28. Transfers in Plan. Amounts may be transferred Plan registered pension plans, or registered retirement savings plans such or sources as may be permitted time time under Applicable Laws. In case of such transfers, Plan may be subject additional terms conditions, including locking-in of amounts transferred registered pension plans in order complete transfer in accordance with Applicable Laws. If re is any inconsistency between terms conditions of Plan any such additional terms conditions which may apply as a result of transfer Plan of amounts anor source, additional terms conditions shall govern manner in which funds so transferred are dealt with. 29. Transfers out of Plan. Upon delivery Agent of a direction Annuitant in a form satisfacry Trustee, Agent shall transfer, in form manner prescribed Applicable Laws, anor registered retirement income fund, registered retirement savings plan or registered pension plan of Annuitant, all or such portion of Property as is specified in direction, ger with all necessary for continuance of Plan trustee designated Annuitant in such direction except such transfer may be a registered retirement savings plan or registered retirement income fund of Annuitant s Spouse or Former Spouse, if under a decree, order or judgement of a competent tribunal or under a written separation agreement, relating a division of property between Annuitant Annuitant s Spouse or Former Spouse in settlement of rights arising out of, or on breakdown of ir marriage or common law partnership. Such transfer shall take effect in accordance with Applicable Laws after all forms required law Trustee be completed in respect of such transfer have been completed forwarded Agent. Upon such transfer, Trustee shall be subject no furr liability or duty with respect Plan, or portion reof, so transferred, as case may be. 30. Changes Declaration of Trust. The Trustee may change this Declaration of Trust periodically. The Annuitant will be notified on how obtain an amended copy of Declaration of Trust reflecting any such change will be deemed have accepted such changes. No change this Declaration of Trust (including a change calling for Trustee s resignation as trustee or termination of trust created this Declaration of Trust) will be retroactive or result in Plan not being acceptable as a registered retirement savings plan under Applicable Laws. 31. Replacement of Trustee. (a) The Trustee may resign giving such written notice Agent as may be required time time under terms of an agreement entered in between Agent Trustee. The Annuitant will be given at least 30 days prior notice of such resignation. On effective date of such resignation, Trustee will be discharged all furr duties, responsibilities, liabilities under this Declaration of Trust, except those incurred before effective date. The Trustee will transfer all Property, ger with all required continue administration of Property as a registered retirement savings plan under Applicable Laws, a successor trustee. (b) The Trustee has agreed resign upon it being provided with notice in writing Agent if Trustee is satisfied that successor nominated Agent will properly assume fulfill Trustee s duties liabilities hereunder in respect of administration of Plan. (c) In eir event, Agent shall forthwith nominate a person replace Trustee resignation of Trustee shall not take effect until its replacement has been so nominated Agent appointed as successor Trustee approved Canada Revenue Agency or its successor. Failing nomination of a replacement Agent within 30 days after receipt it of a notice of resignation, Trustee shall be entitled appoint a person as its own replacement. (d) Upon any such appointment resignation of Trustee, person so appointed as replacement trustee shall, without furr act or formality, be become Trustee hereunder. Such replacement trustee shall, without any conveyance or transfer, be vested with same power, rights, duties responsibilities as Trustee with assets of Plan as if replacement trustee had been original Trustee. The Trustee shall execute deliver replacement trustee all such conveyances, transfers furr assurances as may be necessary or advisable give effect appointment of replacement trustee. (e) Any person appointed as a replacement trustee shall be a corporation resident in Canada that is licensed or orwise authorized under laws of Canada or a province or terriry carry on in Canada business of offering public its services as trustee. Any trust company resulting merger or amalgamation of Trustee with one or more trust companies any trust company that succeeds substantially all of trust business of Trustee shall reupon become successor Trustee without furr act or formality. In all such cases, Canada Revenue Agency or its successor shall be notified. 32. Assignment Agent. The Agent may assign its rights obligations hereunder any or corporation resident in Canada authorized assume discharge obligations of Agent under Plan under Applicable Laws. 33. Notice. Any notice given Annuitant Agent shall be sufficiently given if delivered electronically Agent upon Annuitant s receipt of an acknowledgement response same or personally office of Agent where Plan is administered, or if mailed, postage prepaid addressed Agent at such office, shall be considered have been given on day that notice is actually delivered or received Agent. Any notice, statement, receipt or or communication given Trustee or Agent Annuitant shall be sufficiently given if delivered electronically or personally Annuitant, or if mailed, postage prepaid addressed Annuitant at address shown on Application or at Annuitant s last address given Trustee or Agent, any such notice, statement, receipt or or communication shall be considered have been given at time of delivery Annuitant electronically or personally or, if mailed, on fifth day after mailing Annuitant. 34. Date of Birth. The Annuitant s statement of his or her date of birth in Annuitant s Application shall be deemed be a certification as Annuitant s age an undertaking provide any furr evidence of proof of age as may be required Agent. 35. Address of Annuitant. The Trustee shall be entitled rely upon Agent s records as current address of Annuitant as establishing his or her residency domicile for operation of Plan its devolution on death of Annuitant, subject any notice contrary respecting Annuitant s domicile on death. 36. Heirs, Representatives Assigns. The terms of this Declaration of Trust shall be binding upon heirs, Estate Representatives, atrneys, committees, guardians of property, or legal personal representatives, assigns of Annuitant upon respective successors assigns of Trustee Agent ir direcrs, officers, employees, agents, as well as ir respective estates, Estate Representatives, heirs, atrneys, committees, guardians of property, or legal personal representatives, assigns. 37. Language. The Annuitant has expressly requested that this Declaration of Trust all related documents, including notices, be in English language. Le rentier a expressément demé que cette Déclaration de fiducie et us documents y afférents, y compris ut avis, soient rédigés en langue anglaise. (Quebec only/québec seulement) 38. Governing Law. This Declaration of Trust Plan shall be governed construed in accordance with laws of Province of Ontario laws of Canada applicable rein. 39. The Annuitant expressly agrees that any action arising out of or relating this Declaration of Trust or Plan shall be filed only in a court located in Canada Annuitant irrevocably consents submits personal jurisdiction of such court for purposes of litigating of any such action. RSP Declaration of Trust May September January