Welcome to your Alberta Health Services Savings Plan Start planning your financial freedom! You may spend up to half your adult life in retirement that s one long vacation. Will you be ready to take it? You re busy, and retirement planning may not be the first thing on your mind, but it s the key to achieving freedom from financial worry. You re already one step ahead because AHS has teamed up with The Manufacturers Life Insurance Company (Manulife) to provide you with a group savings program that is easy to set up, and even easier to manage. And because it s a group program you ll benefit from: Lower Investment Management Fees (IMFs). Group plans generally charge lower management fees than individual plans, which can make a big difference to your savings. Here are some examples: Simplicity. With Manulife s Avenue portfolios choosing investments and keeping them on track couldn t be easier. Your assets are automatically rebalanced quarterly to keep them aligned with your investment instructions, and are adjusted over time in line with your target retirement date. Immediate tax relief. Every time you contribute to your group plan through automatic payroll deductions, you reduce the amount of tax deducted from your paycheque. Spousal option. If your income is higher than your spouse s, you can also choose to contribute to a spousal account. You ll get a larger tax deduction now and other important benefits later, like income-splitting opportunities and the ability to maximize key deductions and reduce the effects of clawbacks from various means-tested programs. Contributions you make to this plan will reduce your available RRSP contribution room. Here s what a 1 lower IMF can give you after 20 years*: Investment Management Fees If your balance today is: You could earn: $10,000 $4,925 extra $50,000 $24,621 extra $100,000 $49,241 extra *Based on a gross annual return of 6 and GST of 5 Your resources: manulife.ca/ahs Call Manulife at 1-800-242-1704, ext. (30) 4000 Mon-Fri, from 6 a.m. to 6 p.m., Mountain Time (MT) For complete details of your AHS Group Savings Plan, contact your benefits representative (visit Insite for a list of representatives) Your enrolment process will take about 10 15 minutes. To start, just turn the page. 1
Completing the enrolment form Step 1 Provide your basic information in this section (page 5). Step 2 Step 3 If you would also like to contribute to a spousal RRSP please follow these instructions for completing the Enrolment Form Spousal account (page 7). Step 1 Provide your basic information in this section (page 7). Step 2 Step 3 Step 4 Step 5 Step 6 Step 7 Provide your beneficiary information. Indicate a percentage for each beneficiary if you designate more than one. Indicate how much you wish to contribute by indicating a percentage to be deducted from each paycheque. Employer contributions should not be included here. Don t know how much to contribute? A good rule of thumb is to always save 10 of everything you make. (Or for an RRSP, up to the maximum amount you are allowed to contribute in a given year). You can use the planning tools available to you at manulife.ca/ahs Or, call Standard Life at 1-800-242-1704, ext. (30) 4000. Step 4 Sign and date the form. Step 5 Provide your investment instructions Select Option 1 or Option 2 First, complete the Investor Profile questionnaire on page 3 of this brochure. Option 1 Select the portfolio that corresponds to the type of investor you are (Conservative, Moderate or Aggressive) and how many years you have until retirement. Then simply check the appropriate box on the back of the enrolment form (page 6). Step 6 Option 2 If you are more familiar with investing and are comfortable with the process and the risks involved, you may choose Option 2 and build your own investment mix by selecting funds from the list on the back of the enrolment form (page 6). Sign and date the back of the form, detach it and return it to Manulife at the address indicated on the front of the form (page 5). Please note: If you would like to transfer assets from another financial institution to your AHS Group Savings Plan and take advantage of lower investment management fees, simply complete a Transfer Authorization form (T-2033). You can find this form at manulife.ca/ahs. Indicate a percentage to show how you would like your employee contribution split between your spousal account and your employee account (for example, 50). You (the AHS employee) must sign and date this section. Provide your spouse s basic information. Your spouse should name a beneficiary. Indicate a percentage for each beneficiary if there is more than one. Your spouse must sign and date this section. Your spouse will need to provide investment instructions on page 8 Select Option 1 or Option 2 Step 8 First, your spouse should complete the Investor Profile questionnaire on page 3 of this brochure. For more information, see Step 5 of the instructions on how to complete an enrolment form for your personal account. Your spouse must sign and date this section. Please note 3 signatures are required on the Spousal enrolment form (Step 3, 6 and 8). 2
The Investor Profile Questionnaire Circle the number of points corresponding to your answer for each question. Then total up the points to determine your investor profile. If you plan to retire soon or withdraw a significant portion of your savings before retirement, you need to give special consideration to your asset allocation and your risk tolerance. Don t hesitate to consult your financial advisor or Manulife if you feel you need more guidance. 1. When it comes to investments: 1 pt I am not very familiar with retirement planning concepts. 4 pts I am familiar with some basic concepts, and am learning to apply them. 5 pts I understand the different investment risks, so I manage my portfolio accordingly. 6 pts I follow financial news and am very comfortable making my own investment decisions. 2. If I had $50,000 to invest in either a high-risk fund (e.g. potential returns ranging from -25 to 20) and/or a low-risk fund (e.g. potential stable returns of 3 to 4), I would invest this much in the high-risk fund: 2 pts Less than $5000 4 pts Between $5000 and $21,999 6 pts Between $22,000 and $49,000 8 pts Over $49,000 3. If the value of my investments dropped from $50,000 to $38,000 over six months: 0 pts I would move all remaining assets to a guaranteed fund. 4 pts I would move half my assets to a guaranteed fund. 6 pts I would move nothing and hold my investments as is. 10 pts I would move nothing and make additional contributions. 4. Considering the annual returns of the different portfolios below, I would prefer: Annual rates of return Year 1 2 3 4 5 1 pt 4 pts 7 pts 10 pts Portfolio A 1 2 5 3 4 stable positive returns Portfolio B 6-2 7 2 5 higher returns than Portfolio A, with small amount of short-term loss Portfolio C 8 1-5 12 5 higher returns than Portfolios A & B, with moderate amount of short-term loss Portfolio D 17 9-3 -11 13 maximum returns possible, with higher short term loss 5. When it comes to my investment risk tolerance: 0 pts I don t want to take any risk and want to protect my investments from market fluctuations. 5 pts I can tolerate slight short-term drops in my investments knowing I will see positive returns in the long run. 7 pts I am okay with moderate short-term drops in my investments knowing their value will recover in the future. 10 pts I can risk greater short-term drops in my investments to get maximum growth in the long run. continued on next page 3
The Investor Profile Questionnaire (continued) 6. I invested $10,000 over five years. Based on the gains and losses of four different portfolios over this time, I would have been most comfortable with: 0 pts Portfolio A 6 pts Portfolio C Portfolio A 4 pts Portfolio B 10 pts Portfolio D Portfolio B $(000) 7. I am ten years from retirement and realize I need to adjust my strategy to retire when I want. Amongst the following, my preferred approach would be: 0 pts Delay my retirement by a few years to give my current investments more time to grow, without increasing my level of risk. 2 pts Significantly increase the amount I contribute to the plan, but keep my level of risk the same. 5 pts Slightly increase my contributions and my level of risk. 8 pts Significantly increase my level of risk, hoping to improve long-term returns, and keep my contributions the same. Your total score Questions? 15 14 13 12 11 10 9 8 7 6 5 Years 0 1 2 3 4 5 Portfolio C $(000) 15 14 13 12 11 10 9 8 7 6 5 Years 0 1 2 3 4 5 + + + + + + = pts Visit manulife.ca/ahs. Or call Manulife at 1-800-242-1704, ext. (30) 4000 Monday to Friday, from 6 a.m. to 6 p.m., Mountain Time (MT) $(000) Portfolio D $(000) 15 14 13 12 11 10 9 8 7 6 5 Years 0 1 2 3 4 5 15 14 13 12 11 10 9 8 7 6 5 Years 0 1 2 3 4 5 Conservative 4 to 26 points You are basically a saver. You want the security of guarantees as you are very concerned about market volatility. Moderate 27 to 42 points You essentially want balance. You are more growthoriented and will accept some risk to get better returns in the long run. Aggressive 43 to 62 points You are squarely focused on growth. You can accept short-term market fluctuations in order to get the maximum return over the long run. Please note we neither suggest nor recommend any investment approach or fund in particular, whether it is a sample investment mix or a personal investment selection, whether or not it includes the Lifecycle Movement and/or Systematic Asset Rebalancing services. Market-related funds are not guaranteed and the value of a member s units will vary according to market conditions and the success of the funds manager. We are not responsible for the returns of the selected investments. Furthermore, the selection of a sample investment mix, with or without the Lifecycle Movement and/or Systematic Asset Rebalancing services, is no promise or guarantee, explicit or implied, that selected investments will generate a satisfactory retirement income. Manulife and the Block Design are trademarks of The Manufacturers Life Insurance Company and are used by it, and by its affiliates under license. INS4744 06/2017 4
Group Savings Plan Enrolment Form employee account If you wish to open a spousal account, you must also complete the Enrolment Form spousal account Return the completed form to: Group Savings & Retirement PO Box 11464, succ. Centre-ville Montreal QC H3C 5M3 Telephone: 1-800-242-1704 ext. (30)4000 Fax: 514-499-4480 Please note: The Standard Life Assurance Company of Canada (Standard Life Canada) requires the completed original enrolment forms at all times to promptly invest funds. The employee is the owner and annuitant under the plan. To transfer funds tax-free to this plan call 1-800-242-1704 ext. (30)4000 Client No.: RS102007 Client Name: ALBERTA HEALTH SERVICES Step 1 Employee Information Last name First name Middle initial Date of birth (yyyy/mm/dd) Marital status Social insurance number (required by law for income-reporting purposes) E-mail address Home address Province Postal code (Work) Area code & phone number (Home) Area code & phone number Sex Male Female Language English French Step 2 Beneficiary Information In the event of my death, I designate the following person(s) to be the beneficiary(ies) of any amount due under my plan on or after my death in accordance with the terms of the plan in which I have an interest: my estate OR the following beneficiary(ies) Last name First name Date of birth Relationship Entitlement () City By signing I apply to participate in the group retirement savings plan of my employer and in any other plan to which my rights and benefits may be transferred (successor plan). I agree to be bound by the terms of the plan, a successor plan and any administrative rules established by the plan sponsor. I authorize the following: the deduction of the appropriate contribution from my pay, if applicable; the plan sponsor (my employer) to act as my agent in contracting for benefits under the plan; Standard Life Canada to file an election to register my certificate under the Income Tax Act (Canada) and any other Provincial Income Tax Act, if applicable; and the plan sponsor, my employer, Standard Life Canada, its affiliates and outsourcing partners, any successor issuer, third party administrators, my financial institution(s) and any authorized market intermediary involved in the sale or administration of the plan or successor plan or any other plan to which my rights and benefits may be transferred, to exchange my personal information (including banking information) when required as a result of their involvement. I understand that the personal information collected will be kept strictly confidential and will only be used, exchanged and retained for the purpose of this plan. I certify that the information given is true, correct and complete, to the best of my knowledge. Must total 100 If your designated beneficiary dies before you, we will pay the benefits from your plan to any surviving beneficiary or, if none, or if no designation is made, to your estate. Any beneficiary designation is revocable. Appointment of trustee In the event my beneficiary is a minor at the time the death benefit is payable, I appoint the following person as trustee to receive such funds on behalf of the beneficiary, to hold these funds until my beneficiary attains the majority age and to give a valid discharge to Standard Life Canada for such payment: First name Last name Address Phone number ( ) ( ) (Work) Area code & phone number (Home) Area code & phone number Step 3 Payroll Deduction Request (Voluntary Employee Personal Contributions via payroll deduction or UNA Match only - not applicable to Flex Credits) Complete this portion if you wish to have voluntary personal contributions deducted from your paycheque or if you qualify for the UNA matching program. Do not include your flex credit contribution in this section. Please deduct from each pay, to be invested in this plan. (Note - AHS will report Credit Allocations separately) Step 4 Signature Employee Signature (mandatory) (print) Date (yyyy/mm/dd) Enrolment form 5
Step 5 Investment Instructions Before completing your investment instructions, we suggest you consult your enrolment guide, or call Standard Life at 1-800-242-1704 ext. (30)4000 to discuss your investment strategy. It s also important to indicate your retirement income goal in order to monitor if you re on track to reaching your goal. $ (Your objective in terms of annual income at retirement, expressed in today s dollars) Please make your investment mix selection from either OPTION 1 or OPTION 2, as desired. Please select only one option. The following investment mixes vary based on different investor profiles. Your investment strategy should be based on your overall financial situation. These investment instructions apply to all future deposits until alternate investment instructions are provided. Option 1: Avenue portfolios TM Pre-selected Avenue Portfolios Your target age is the age at which you wish to retire or convert these savings into income. It is important to provide your desired target age if you wish to select an Avenue portfolio and use the Lifecycle Movement service. If you do not provide a target age, we will assume that your investment period will end at age 65. If, however, you wish to record a different target age,please enter it here. If you select an Avenue portfolio that is not consistent with your target age and your investment period, we will deactivate Lifecycle Movement. Please refer to the information sheet included with the enrolment brochure for further details on Avenue Portfolio selection. You can view the details of each portfolio on page 6 of this brochure. Then check one of the boxes below to make your selection. Investment period Conservative Moderate Aggressive More than 25 years Portfolio - C5 Portfolio - M5 Portfolio - A5 Between 20 and 25 years Portfolio - C4 Portfolio - M4 Portfolio - A4 Between 15 and 20 years Portfolio - C3 Portfolio - M3 Portfolio - A3 Between 10 and 15 years Portfolio - C2 Portfolio - M2 Portfolio - A2 Less than 10 years Portfolio - C1 Portfolio - M1 Portfolio - A1 I do not want to use Lifecycle Movement to adjust my Avenue portfolio (for current holdings and future deposits) as my investment period shortens. I do not want Standard Life to apply Systematic Asset Rebalancing (SAR) to realign my assets under this Option. If you plan to retire within the next 3 years, we suggest that you consult with your financial advisor. Option 2: Choose your own investment mix: Code Fund Name Fund Manager Guaranteed Funds DIA Daily interest accumulator SL of Canada* CIA1 One year compound interest accumulator SL of Canada* CIA2 Two year compound interest accumulator SL of Canada* CIA3 Three year compound interest accumulator SL of Canada* CIA4 Four year compound interest accumulator SL of Canada* CIA5 Five year compound interest accumulator SL of Canada* Fixed Income Funds CBOI Canadian Bond Index SLI* BOND Bond SLI* FIMLB Fixed Income MFS MONE Money Market SLI* Balanced/Diversified Funds DVSF Diversified SLI* CAAF Canadian Asset Allocation Fidelity Portfolio Fund LTGFR LifePoints Long-Term Growth Portfolio Russell Investments Investment mix for future deposits Code Fund name Must total 100 Code Fund Name Fund Manager Equity Funds CEQI Canadian Equity Index SLI* EQTY Canadian Equity SLI* NAEJF Canadian Equity Jarislowsky Fraser CGGUA Canadian Equity Growth Guardian USEI US Equity Index SLI* USVG US Equity State Street Global Advisors AGMB American Equity MFS USDIR US Equity Direct Index Registered SLI* IEQI International Equity Index BlackRock GLEQ1 Global Equity Invesco GLEQ2 Global Equity Templeton * SL = Standard Life of Canada * SLI = Standard Life Investments Please note that SAR will align all of your assets periodically to reflect your investment instructions on record as at the time of realignment. Should you not wish to have SAR, please check the box below. I do not wish to have SAR realign my assets. RS-04042017-P4016-N:\SAMPLE\2007RST-orm Step 6 Signature I understand that the personal information collected will be kept strictly confidential and will only be used, exchanged and retained for the purpose of this plan. I certify that the information given is true, correct and complete, to the best of my knowledge. Employee Signature (mandatory) (print) Date (yyyy/mm/dd) Important Notes A. If your investment instructions are incomplete, contributions will be invested in the Conservative Avenue portfolio based on a retirement age of 65. If your investment instructions are incomplete and your date of birth is missing, contributions will be invested in the Daily Interest Accumulator fund and then moved to the Conservative Avenue portfolio when your date of birth is received. B. Please note we (Standard Life Canada and Alberta Health Services) neither suggest nor recommend any investment approach or fund in particular, whether it is an Avenue portfolio or a personal investment selection, whether or not it includes the Lifecycle Movement and/or Systematic Asset Rebalancing (SAR) services. Market-related funds are not guaranteed and the value of a member s units will vary according to market conditions and the success of the funds manager. We are not responsible for the returns of the selected investments. Furthermore, the selection of an Avenue portfolio, with or without the Lifecycle Movement and/or Systematic Asset Rebalancing (SAR) services, is no promise or guarantee, explicit or implied, that selected investments will generate a satisfactory retirement income. C. Compound Interest Accumulator Funds will automatically reinvest upon maturity for the same term originally requested unless Standard Life is advised by calling 1-800-242-1704 ext. (30)4000. Withdrawal from guaranteed funds before maturity may be subject to a market value adjustment. D. The administrative rules of the plan may restrict the withdrawal of RRSP funds. Please consult the plan administrator for details. E. If you plan to retire in the near future, we suggest that you consult your financial advisor. Enrolment form 6
Group Savings Plan Enrolment Form spousal account Before you can open a spousal account, you must enroll in the plan by completing the Enrolment Form employee account Return the completed form to: Group Savings & Retirement PO Box 11464, succ. Centre-ville Montreal QC H3C 5M3 Telephone: 1-800-242-1704 ext. (30)4000 Fax: 514-499-4480 Please note: The Standard Life Assurance Company of Canada (Standard Life Canada) requires the completed original enrolment forms at all times to promptly invest funds. The spouse is the owner and annuitant under the plan. To transfer funds tax-free to this plan call 1-800-242-1704 ext. (30)4000 By signing I apply to participate in the group retirement savings plan of the employer and agree to be bound by the terms of the plan and any administrative rules established by the plan sponsor. I authorize the following: the plan sponsor (the employer) to act as my agent in contracting for benefits under the plan; Standard Life Canada to file an election to register my certificate under the Income Tax Act (Canada) and any other Provincial Income Tax Act, if applicable; and the plan sponsor, my employer, Standard Life Canada, its affiliates and outsourcing partners, any successor issuer, third party administrators, my financial institution(s) and any authorized market intermediary involved in the sale or administration of the plan or successor plan or any other plan to which my rights and benefits may be transferred, to exchange my personal information (including banking information) when required as a result of their involvement. I understand that the personal information collected will be kept strictly confidential and will only be used, exchanged and retained for the purpose of this plan. I certify that the information given is true, correct and complete, to the best of my knowledge. Client No.: RS102007 Client Name: ALBERTA HEALTH SERVICES Step 1 Employee Information (contributor) Last Name First Name Initial Social insurance number (required by law for income-reporting purposes) Step 2 Please allocate Step 3 Contribution Allocation Instruction Signature of my employee contributions to be invested in this Spousal account. Employee Signature (mandatory) (print) Date (yyyy/mm/dd) Step 4 Spousal Information (Spouse will include a common-law partner as defined under the Income Tax Act) Last Name First Name Initial Date of birth (yyyy/mm/dd) Marital status Social insurance number (required by law for income-reporting purposes) E-mail address Home address Province Postal code (Work) Area code & phone number (Home) Area code & phone number Sex Male Female Language English French Step 5 Beneficiary Information In the event of my death, I designate the following person(s) to be the beneficiary(ies) of any amount due under my plan on or after my death in accordance with the terms of the plan in which I have an interest: my estate OR the following beneficiary(ies) Last name First name Date of birth Relationship Entitlement () Must total 100 If your designated beneficiary dies before you, we will pay the benefits from your plan to any surviving beneficiary or, if none, or if no designation is made, to your estate. Any beneficiary designation is revocable. Appointment of trustee In the event my beneficiary is a minor at the time the death benefit is payable, I appoint the following person as trustee to receive such funds on behalf of the beneficiary, to hold these funds until my beneficiary attains the majority age and to give a valid discharge to Standard Life Canada for such payment: First name Last name Address Phone number ( ) ( ) (Work) Area code & phone number (Home) Area code & phone number Step 6 Signature Spouse Signature (mandatory) (print) Date (yyyy/mm/dd) City Enrolment form 7
RS-04042017-P4016-N:\N:\CUSTOM\102007 - Alberta Health Services\2007RST-7.0 Step 7 Investment Instructions Before completing your investment instructions, we suggest you consult your enrolment guide, or call Standard Life at 1-800-242-1704 ext. (30)4000 to discuss your investment strategy. It s also important to indicate your retirement income goal in order to monitor if you re on track to reaching your goal. $ (Your objective in terms of annual income at retirement, expressed in today s dollars) Please make your investment mix selection from either OPTION 1 or OPTION 2, as desired. Please select only one option. The following investment mixes vary based on different investor profiles. Your investment strategy should be based on your overall financial situation. These investment instructions apply to all future deposits until alternate investment instructions are provided. Option 1: Avenue portfolios TM Pre-selected Avenue Portfolios Your target age is the age at which you wish to retire or convert these savings into income. It is important to provide your desired target age if you wish to select an Avenue portfolio and use the Lifecycle Movement service. If you do not provide a target age, we will assume that your investment period will end at age 65. If, however, you wish to record a different target age, please enter it here. If you select an Avenue portfolio that is not consistent with your target age and your investment period, we will deactivate Lifecycle Movement. Please refer to the information sheet included with the enrolment brochure for further details on Avenue Portfolio selection. You can make your appropriate investment selection by ticking one of the portfolios below. Investment period Conservative Moderate Aggressive More than 25 years Portfolio - C5 Portfolio - M5 Portfolio - A5 Between 20 and 25 years Portfolio - C4 Portfolio - M4 Portfolio - A4 Between 15 and 20 years Portfolio - C3 Portfolio - M3 Portfolio - A3 Between 10 and 15 years Portfolio - C2 Portfolio - M2 Portfolio - A2 Less than 10 years Portfolio - C1 Portfolio - M1 Portfolio - A1 I do not want to use Lifecycle Movement to adjust my Avenue portfolio (for current holdings and future deposits) as my investment period shortens. I do not want Standard Life to apply Systematic Asset Rebalancing (SAR) to realign my assets under this Option. If you plan to retire within the next 3 years, we suggest that you consult with your financial advisor. Option 2: Choose your own investment mix: Code Fund Name Fund Manager Guaranteed Funds DIA Daily interest accumulator SL of Canada* CIA1 One year compound interest accumulator SL of Canada* CIA2 Two year compound interest accumulator SL of Canada* CIA3 Three year compound interest accumulator SL of Canada* CIA4 Four year compound interest accumulator SL of Canada* CIA5 Five year compound interest accumulator SL of Canada* Fixed Income Funds CBOI Canadian Bond Index SLI* BOND Bond SLI* FIMLB Fixed Income MFS MONE Money Market SLI* Balanced/Diversified Funds DVSF Diversified SLI* CAAF Canadian Asset Allocation Fidelity Portfolio Fund LTGFR LifePoints Long-Term Growth Portfolio Russell Investments Investment mix for future deposits Code Fund name Must total 100 Code Fund Name Fund Manager Equity Funds CEQI Canadian Equity Index SLI* EQTY Canadian Equity SLI* NAEJF Canadian Equity Jarislowsky Fraser CGGUA Canadian Equity Growth Guardian USEI US Equity Index SLI* USVG US Equity State Street Global Advisors AGMB American Equity MFS USDIR US Equity Direct Index Registered SLI* IEQI International Equity Index BlackRock GLEQ1 Global Equity Invesco GLEQ2 Global Equity Templeton * SL = Standard Life of Canada * SLI = Standard Life Investments Please note that SAR will align all of your assets periodically to reflect your investment instructions on record as at the time of realignment. Should you not wish to have SAR, please check the box below. I do not wish to have SAR realign my assets. Step 8 signature I understand that the personal information collected will be kept strictly confidential and will only be used, exchanged and retained for the purpose of this plan. I certify that the information given is true, correct and complete, to the best of my knowledge. Spouse Signature (mandatory) (print) Date (yyyy/mm/dd) Important Notes A. If your investment instructions are incomplete, contributions will be invested in the Conservative Avenue portfolio based on a retirement age of 65. If your investment instructions are incomplete and your date of birth is missing, contributions will be invested in the Daily Interest Accumulator fund and then moved to the Conservative Avenue portfolio when your date of birth is received. B. Please note we (Standard Life Canada and Alberta Health Services) neither suggest nor recommend any investment approach or fund in particular, whether it is an Avenue portfolio or a personal investment selection, whether or not it includes the Lifecycle Movement and/or Systematic Asset Rebalancing (SAR) services. Market-related funds are not guaranteed and the value of a member s units will vary according to market conditions and the success of the funds manager. We are not responsible for the returns of the selected investments. Furthermore, the selection of an Avenue portfolio, with or without the Lifecycle Movement and/or Systematic Asset Rebalancing (SAR) services, is no promise or guarantee, explicit or implied, that selected investments will generate a satisfactory retirement income. C. Compound Interest Accumulator Funds will automatically reinvest upon maturity for the same term originally requested unless Standard Life is advised by calling 1-800-242-1704 ext. 30(4000). Withdrawal from guaranteed funds before maturity may be subject to a market value adjustment. D. The administrative rules of the plan may restrict the withdrawal of RRSP funds. Please consult the plan administrator for details. E. If you plan to retire in the near future, we suggest that you consult your financial advisor. Enrolment form 8